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Personal Finance

A small loan without a CIBIL history means borrowing money when you have little or no credit history for lenders to score, common for first-jobbers or anyone who's never taken a loan or used a credit card before. Salaried borrowers in this position still have real, lender-backed options, alongside a fast-growing set of instant-loan apps that look easy but often lead straight into a debt trap.

By Mohit Juneja | 31 August 2026

Credit Score

Equifax credit report is a record of your credit history maintained by Equifax Credit Information Services, one of India's four RBI-licensed credit bureaus. It lists your loan and credit card accounts, your repayment record, and every lender enquiry (query made when checking someone's creditworthiness) against your name, alongside your Equifax score (300–900).

By Mohit Juneja | 31 August 2026

Debt Management

Six strategies to prevent overspending include keeping track of expenditures, using cash rather than credit cards, and paying off debt from impulsive purchases. Easy money advice.

By FREED India | 31 August 2026