1. Home
  2. OneScore: The Smarter Way to Secure a Personal Loan

OneScore: The Smarter Way to Secure a Personal Loan

Business Desk
June 18, 2025

onescore.jpg

When in urgent need of funds, securing a personal loan quickly and smoothly can be a lifesaver. If you have a good CIBIL score, then you can secure a better offer and faster approval. Once approved, you can use the loan amount to cover everything from medical bills to education or home repair costs.

Digital lending has made waiting weeks for approval a thing of the past. Applying for personal loan on the OneScore App is one such option that gets you personalized loan offers with minimal paperwork and simple eligibility checks. 

Why Your CIBIL Score Matters for Personal Loans

A CIBIL score, issued by TransUnion CIBIL, is India’s most widely used credit score model. It reflects your credit health based on your borrowing and repayment history. Lenders use it to assess your eligibility for personal loans.

A score above 750 signals strong creditworthiness and boosts your chances of quick approval. It also helps you secure lower interest rates. Lenders see high scores as a mark of a low-risk borrower and may offer better terms.

Moreover, a good score increases your loan amount eligibility and opportunity to get a longer repayment tenure. This way, you could borrow more and repay over a longer period. On the other hand, a low score may lead to rejections or stricter terms like higher rates and smaller loan amounts.

Build a Strong Credit Profile with OneScore

Before applying for a personal loan, having a healthy CIBIL score is essential. OneScore helps you monitor and manage your credit all in one place, so you can confidently approach lenders and unlock better loan offers. 
●    You can check your CIBIL score anytime for free and stay updated on your credit health. Regular monitoring helps you spot changes early and avoid surprises when applying.
●    It also helps detect and report any fraudulent or incorrect loan accounts. Fixing these errors enables you to maintain a strong credit profile.
●    Based on your credit behaviour, you can receive tips on how to improve your CIBIL score over time. These suggestions help you build a healthy credit profile. 

How OneScore Simplifies Personal Loan Applications 

On one hand, OneScore helps you build and maintain a strong CIBIL score. On the other hand, you can use it to unlock personalised and instant loan offers. Here’s how OneScore’s Personal Loan facility simplifies the process:

●    Tailored Loan Offers
Get loan options curated specifically for you, based on your CIBIL score and other details. This helps you avoid any unnecessary delays and improves your chances of approval.

●    Fast Eligibility Check
Quickly check your CIBIL score and assess your loan eligibility in seconds. It doesn’t impact your score, require a formal application or change hefty fees. 

●    Minimal Paperwork
Complete your loan application with basic documentation. The process is 100% digital, saving you time and eliminating hassles.

●    Instant Loan Access
Once you are approved for financing, you can enjoy instant loan disbursal to meet urgent financial needs.

●    Track Applications in Real Time
Keep tabs on your loan status directly through the app. From application to approval and disbursal, there is no need for follow-ups on phone calls.

●    Safety Without Spam
Your data stays safe and secure and there are no ads, which means you can focus on what is truly important - your creditworthiness and finances. 

●    Competitive Interest Rates
When your CIBIL score is strong, you can unlock better deals. Get loans with interest rates starting at just 12.5% on the app. 

Easy Steps to Apply for a Loan Using OneScore

Just follow these simple steps to check your CIBIL score and explore personalised offers through OneScore’s Personal Loan. 

1.    Get the OneScore App
Get the OneScore app from the Play Store or App Store. Sign up using your mobile number, then enter basic details like your name, email, and date of birth. You will also need to share your PAN details. Your personal details are secure and only used to help fetch your CIBIL score.

2.    See and Boost Your CIBIL Score
Once your account is ready, OneScore shows your CIBIL score. This score impacts your loan eligibility and interest rates. If it needs improvement, OneScore offers helpful tips to boost it.

3.    Check Personal Loan Offers
Go to the Personal Loan section in the app to see personalised loan offers based on your CIBIL score. You will be eligible for them once your score reaches 730. Review the approved loan amount and click ‘Accept and Continue’ to proceed.

4.    Choose The Terms
Pick from EMI options based on loan amount, tenure, and interest rate. When you find terms you like, tap ‘Proceed’ and review your selection.

5.    Finish the KYC Process
Verify your identity by linking your DigiLocker account to confirm your Aadhaar details. Don’t have DigiLocker? The app guides you to create one easily.

6.    Confirm Account Information
Confirm your bank details with a small ₹1 deposit, which will be refunded to you. This step completes your KYC and ensures your loan is linked to the correct account.

7.    Create a Mandate for Repayment
Enable auto-debit from the same bank account. This keeps your EMIs on track without any hassle.

8.    Receive Your Loan Amount
Review all terms and conditions carefully on the final screen. Once confirmed, your loan amount is disbursed directly to your bank account. This usually takes around 24 hours.

Using OneScore, you can check your CIBIL score for free anytime. Once you have a good score, the app allows you to secure loans up to ₹5 lakhs at competitive rates. 

OneScore also helps you detect and report fraudulent loan accounts that could hurt your credit. Clearing these errors is key to maintaining a strong credit profile. Moreover, you can manage your loans, calculate EMIs, and set reminders all in one app.

Comments

Add new comment

About text formats
  • Coastaldigest.com reserves the right to delete or block any comments.
  • Coastaldigset.com is not responsible for its readers’ comments.
  • Comments that are abusive, incendiary or irrelevant are strictly prohibited.
  • Please use a genuine email ID and provide your name to avoid reject.
News Network
November 27,2025

Bengaluru, Nov 27: Karnataka Chief Minister Siddaramaiah’s camp is reportedly on alert as the Congress leadership tussle in the state intensifies, particularly amid speculation over the potential promotion of Deputy Chief Minister D.K. Shivakumar. Siddaramaiah is said to be in a “wait-and-watch” mode after admitting to “confusion” earlier this week and urging the party to “put a full stop” to it.

Sources say his supporters are ready to act if senior leaders — including party chief Mallikarjun Kharge, Sonia Gandhi, and Rahul Gandhi — give any indication of backing Shivakumar. If the party insists on a leadership change, Siddaramaiah’s camp has a list of alternatives, underscoring the deep rift between the two leaders. One possible candidate is Home Minister G. Parameshwara, a Siddaramaiah loyalist and influential Dalit leader.

The strategy was reportedly finalized at a meeting led by PWD Minister Satish Jarkiholi, another Siddaramaiah supporter, who stressed that Delhi leaders need to resolve the issue. Kharge and the Gandhis are expected to meet soon, after which Siddaramaiah and Shivakumar may be summoned to Delhi.

Shivakumar has largely stayed non-confrontational, publicly endorsing Siddaramaiah and downplaying speculation about his own ambitions. However, he has made pointed comments emphasizing the importance of honoring promises, directed at Siddaramaiah.

The feud traces back to the 2023 state election, when Siddaramaiah was chosen as Chief Minister while Shivakumar, who led the party’s campaign, was made Deputy CM and state party chief — a departure from the Congress’ usual “one post per person” rule.

There were also hints of a prior understanding that Siddaramaiah would step down midway through the term. As the halfway mark passed last week, Shivakumar-aligned lawmakers have ramped up pressure on the party for a leadership change, with Shivakumar himself hinting at stepping down as state party chief to pursue the top job.

Comments

Add new comment

About text formats
  • Coastaldigest.com reserves the right to delete or block any comments.
  • Coastaldigset.com is not responsible for its readers’ comments.
  • Comments that are abusive, incendiary or irrelevant are strictly prohibited.
  • Please use a genuine email ID and provide your name to avoid reject.
News Network
November 27,2025

DKSvokkaliga.jpg

Bengaluru: The Vokkaligara Sangha on Thursday issued a stern warning to the Congress, saying the party could face serious electoral repercussions if Deputy Chief Minister D.K. Shivakumar is not appointed as Chief Minister.

The warning follows the public backing of Shivakumar’s chief ministerial ambition by top Vokkaliga pontiff Nirmalanandanatha Swami, who urged the Congress high command to honor his claim.

“The community supported Congress in the 2023 Assembly elections only because Shivakumar had a real chance to become CM. If he is cheated, we’ll teach the party a big lesson,” said newly elected Sangha president L. Srinivas. He added that Vokkaligas would organize protests under the guidance of community leaders.

General Secretary C.G. Gangadhar pointed out that Congress won more seats in the Vokkaliga-dominated Old Mysuru region due to Shivakumar’s influence, adding, “If Congress wants to retain power, Shivakumar should be made the CM.”

Outgoing president Kenchappa Gowda emphasized Shivakumar’s contribution to Congress’ victory. “Our community voted for Congress thinking he would become CM. Siddaramaiah has also served the party well, but Shivakumar should now be given a chance,” he said.

Former general-secretary Konappa Reddy appealed to Sonia and Rahul Gandhi to recognize Shivakumar’s loyalty and service, saying, “Congress is known to keep its promises. We hope it won’t break the promise made to him.”

Comments

Add new comment

About text formats
  • Coastaldigest.com reserves the right to delete or block any comments.
  • Coastaldigset.com is not responsible for its readers’ comments.
  • Comments that are abusive, incendiary or irrelevant are strictly prohibited.
  • Please use a genuine email ID and provide your name to avoid reject.
News Network
December 4,2025

Mangaluru: Chaos erupted at Mangaluru International Airport (MIA) after IndiGo flight 6E 5150, bound for Mumbai, was repeatedly delayed and ultimately cancelled, leaving around 100 passengers stranded overnight. The incident highlights the ongoing country-wide operational disruptions affecting the airline, largely due to the implementation of new Flight Duty Time Limitations (FDTL) norms for crew.

The flight was initially scheduled for 9:25 PM on Tuesday but was first postponed to 11:40 PM, then midnight, before being cancelled around 3:00 AM. Passengers expressed frustration over last-minute communication and the lack of clarity, with elderly and ailing travellers particularly affected. “Though the airline arranged food, there was no proper communication, leaving us confused,” said one family member.

An IndiGo executive at MIA cited the FDTL rules, designed to prevent pilot fatigue by limiting crew working hours, as the cause of the cancellation. While alternative arrangements, including hotel stays, were offered, about 100 passengers chose to remain at the airport, creating tension. A replacement flight was arranged but also faced delays due to the same constraints, finally departing for Mumbai around 1:45 PM on Wednesday. Passengers either flew, requested refunds, or postponed their travel.

The Mangaluru delay is part of a broader crisis for IndiGo. The airline has been forced to make “calibrated schedule adjustments”—a euphemism for widespread cancellations and delays—after stricter FDTL norms came into effect on November 1.

While an IndiGo spokesperson acknowledged unavoidable flight disruptions due to technology issues, operational requirements, and the updated crew rostering rules, the DGCA has intervened, summoning senior airline officials to explain the chaos and outline corrective measures.

The ripple effect has been felt across the country, with major hubs like Bengaluru and Mumbai reporting numerous cancellations. The Mangaluru incident underscores the systemic operational strain currently confronting India’s largest carrier, leaving passengers nationwide grappling with uncertainty and delays.

Comments

Add new comment

About text formats
  • Coastaldigest.com reserves the right to delete or block any comments.
  • Coastaldigset.com is not responsible for its readers’ comments.
  • Comments that are abusive, incendiary or irrelevant are strictly prohibited.
  • Please use a genuine email ID and provide your name to avoid reject.