how to get loan without credit score

Getting a loan without a credit score is possible, but options are generally limited, and terms may be less favorable. Lenders may consider alternative factors like a steady income and employment history. Consider the following options:

• Opt for a secured personal loan by offering collateral like fixed deposits or gold.
• Apply with a co-signer or guarantor who has a strong credit history to assure the lender.
• Approach Non-Banking Financial Companies (NBFCs) or smaller lenders who might use alternative data, such as your bank transaction history, to assess your creditworthiness.
• Start by applying for a small loan amount to establish a positive repayment track record.