{"id":21944,"date":"2021-09-21T06:12:43","date_gmt":"2021-09-21T06:12:43","guid":{"rendered":"https:\/\/tata-blog.osian.dev\/blog\/?p=21944"},"modified":"2022-02-10T11:56:29","modified_gmt":"2022-02-10T11:56:29","slug":"can-i-get-a-wedding-loan-with-a-bad-credit-score","status":"publish","type":"post","link":"https:\/\/tata-blog.osian.dev\/blog\/loan-for-wedding\/can-i-get-a-wedding-loan-with-a-bad-credit-score\/","title":{"rendered":"Can I Get a Wedding Loan With a Bad Credit Score"},"content":{"rendered":"\n

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The pandemic may have reduced your wedding guest list, but not your expenses. Planning your D-Day with the necessary precautions is still a pricey affair. If you\u2019re considering a wedding loan to help you out, you know a good credit score<\/a>, preferably 750 or above, is crucial for approval.<\/p>\n\n\n\n

Not only does it improve your loan eligibility, but it also helps you qualify for better loan terms. However, if you have a low credit score, fret not! Here are some tips to get a loan even with a bad credit rating.<\/p>\n\n\n\n

Check your credit report to find errors<\/strong><\/h2>\n\n\n\n

Before making a loan request, make sure you meticulously review your credit report. That\u2019s because, sometimes, your credit report may show a low score despite timely debt repayments. It is due to errors in your report.<\/p>\n\n\n\n

While there\u2019s a common misconception that regularly checking your credit rating can lower your CIBIL score, soft inquiries like these don\u2019t affect the score. So, make it a practice to check your reports regularly. If you find errors or a delay in updating your report, you can contact the authorities to get them rectified at the earliest.<\/p>\n\n\n\n

Additional Read: <\/strong>Check Out the Documents Required for Getting a Wedding Loan in India<\/a><\/strong><\/p>\n\n\n\n

Request your lender for a NA or NH consideration<\/strong><\/h2>\n\n\n\n

Have you never applied for a credit card or loan and have no credit activity to show or didn\u2019t have any activity for the past 36 months? If yes, your credit report will show a NA or NH entry. NA implies your credit history is unavailable, whereas NH means you don\u2019t have a credit history.<\/p>\n\n\n\n

But, worry not! You could get a loan despite it. How? Let\u2019s see. Ask your financier to consider the NA\/NH entry citing your reasons clearly. Besides this, assure the lender of timely EMI repayments. To avail of bad credit wedding financing, you can show proof of a stable job and a steady income to your lender.<\/p>\n\n\n\n

If you expect a salary hike soon or have an additional income source like rental income, freelancing, etc., inform your lender. Moreover, if you are employed with a credible employer, it also improves your likelihood of getting the loan approved. This way, the lender may approve your loan. However, you may be charged a higher rate of interest.<\/p>\n\n\n\n

Apply for a joint loan<\/strong><\/h2>\n\n\n\n

Getting a marriage loan<\/a> for bad credit can be made easy if you apply for a joint loan. If you apply for a loan with a co-applicant who has a high CIBIL score, your chances of getting a loan approval increase. Co-applying for a loan can also make you eligible for a bigger loan amount and more competitive interest rates.<\/p>\n\n\n\n

When you get a joint loan, you and your co-applicant share the debt burden. Here, if either of you defaults on the personal loan<\/a> for a wedding, it\u2019ll negatively impact both you and your co-borrower’s CIBIL score.<\/p>\n\n\n\n

Additional Read:<\/strong> <\/strong>Avail a Personal Loan for Your Child\u2019s Wedding<\/a><\/strong><\/p>\n\n\n\n

Over to you<\/strong>  <\/h3>\n\n\n\n

Scouting the market for a reliable financier with flexible loan terms? Choose Tata Capital. Get competitive personal loan interest rates<\/a>, tailor-made EMI plans, extended tenures, and more today!<\/p>\n\n\n\n

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Apply Now<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n
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The pandemic may have reduced your wedding guest list, but not your expenses. Planning your D-Day with the necessary precautions is still a pricey affair. <\/p>\n

Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":21945,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[30],"tags":[],"class_list":["post-21944","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-for-wedding"],"yoast_head":"\nCan I Get a Wedding Loan With a Bad Credit Score - Tata Capital Blog<\/title>\n<meta name=\"description\" content=\"You might have reduced your wedding guest list, but not your wedding expenses. 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