Indian borrower checking phone after missing personal loan EMI payment

What happens if you miss a personal loan EMI?

Missing a personal loan EMI can be really worrying. Missing a personal loan EMI can be really worrying. If you’ve missed a personal loan EMI, it’s usually not because you don’t want to pay, but because of unexpected issues like

Can you get a personal loan after a job change explained with eligibility and approval factors

Is It Possible to Get a Personal Loan After Changing Jobs?

Changing jobs is common today. A move to a company with better pay, growth, or work-life balance often requires settling into another job. But if you find yourself in need of money around the same time, it raises a big question:

Credit Card EMI vs Personal Loan EMI cost comparison illustration

Credit Card EMI vs Personal Loan EMI – Which is Cheaper?

When you need quick money for a big purchase or an unexpected expense, the choice often comes down to Credit Card EMI vs Personal Loan EMI.At first glance, both options seem similar. You borrow money and repay it in monthly

Personal loan without income proof for freelancers and self-employed individuals

Personal Loan Without Income Proof: Is It Possible?

There are many people who search for a personal loan without income proof. This is a problem that freelancers, self-employed and people who are paid partly in cash encounter. Most lenders require salary slips or income statements, so you may be wondering

Checking CIBIL score effect explained with myths and facts about credit score impact

Does Checking CIBIL Score Decreases It? Myths vs Facts

Many people avoid checking their CIBIL score because they believe it will reduce their credit score. This misunderstanding around the checking CIBIL score effect is quite common. In reality, your CIBIL score plays a key role in loan approvals, credit

Personal loan rejected despite good CIBIL score

5 Reasons why your CIBIL score is good, but personal loan application can still be rejected

If your personal loan is rejected despite having a good CIBIL score, you’re not alone. Many borrowers believe that if they have an excellent CIBIL score then their personal loan application will not get rejected. GRANTED, there’s the fact that a

Hidden charges in personal loans including processing fees, GST, and prepayment penalties

Hidden Charges in Personal Loans You Should Know About

Personal loans are advertised as fast and easy. But a lot of borrowers wind up paying more than they bargained for as a result of hidden fees that are not adequately explained when the cash is applied for. These hidden charges in

How to choose the right loan company and avoid online loan scams

How to Find the Best Loan Company and Avoid Scams

If you understand how to choose the right loan company, you can avoid fraud, protect your personal data, and apply for loans with confidence.>With instant loans and digital lenders all over the place, knowing where to select a loan company

CredMart graphic showing minimum CIBIL score required for a personal loan in 2025 with approval ranges from below 650 to 750 plus.

Minimum CIBIL Score Required for a Personal Loan in 2025

When applying for a personal loan in 2025, your CIBIL score remains one of the most important factors lenders consider. It helps banks and NBFCs assess your creditworthiness and decide on loan approval, interest rate, and loan amount. At CredMart,

Personal loan vs credit card for emergency expenses

Personal Loan vs Credit Card: Which Is Better for Emergency Expenses?

When an emergency expense comes up, most people choose between a personal loan and a credit card. Both options offer quick access to funds. However, choosing the wrong one can increase long-term financial pressure.   Let’s understand which option suits