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Indian borrower reviewing loan papers at home, NBFC personal loan for low CIBIL score

Debt Settlement

NBFC Personal Loan for Low CIBIL Score: What You Need to Know

An NBFC personal loan for low CIBIL score is an unsecured loan given by a Non-Banking Financial Company (a lender that is not a bank) to people whose CIBIL score is below what most banks accept. NBFCs look at your income, your bank statements, and your job stability along with your score, so approval is possible even with a weak credit history, usually at a higher interest rate.

By FREED India | 6 August 2026

Illustration explaining what a loan moratorium period means, with key benefits and examples

Debt Management

What Is a Moratorium Period? Meaning, Benefits and Examples

Moratorium meaning explained simply: a pause on your EMIs that does not stop your interest. See real examples, benefits, hidden costs, and when to use it.

By FREED India | 6 August 2026

Credit Card Settlement Percentage and Negotiation Tips

Debt Management

Credit Card Settlement Percentage and Negotiation Tips

Learn credit card settlement percentages in India, how banks negotiate, risks to CIBIL score, and smart tips to settle safely.

By FREED India | 5 August 2026