OneScore: The Smarter Way to Secure a Personal Loan

Business Desk
June 18, 2025

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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.

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News Network
January 23,2026

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The Voice of Hind Rajab, inspired by the tragic final moments of a young Palestinian girl killed by Israeli fire in Gaza, has been nominated for an Academy Award in the Best International Feature Film category.

Directed by Tunisian filmmaker Kaouther Ben Hania, the film recounts the true story of five-year-old Hind Rajab, who lost her life in January 2024 while fleeing Israeli bombardment with her family.

The film features the real audio of Hind’s desperate call to the Palestinian Red Crescent Society, where she pleaded for help moments before the vehicle she was in was struck by 355 bullets.

The haunting narrative begins with a brief call made from the besieged Tel al-Hawa neighborhood of Gaza, where gunfire and armored vehicles drowned out every sound.

After witnessing the brutal killing of her family, she made a trembling call, her voice reduced to a whisper as she spoke of the massacre and her unbearable loneliness as the sole survivor.

Premiering at the Venice International Film Festival in September 2025, The Voice of Hind Rajab garnered widespread acclaim, receiving a record-setting 23-minute standing ovation and the Silver Lion Grand Jury Prize, the festival’s second-highest honor.

In her acceptance speech, Ben Hania dedicated the film to humanitarian workers and first responders in Gaza, emphasizing that Hind's voice symbolizes countless civilians affected by war.

She aims to give voice to victims often reduced to mere statistics, highlighting the broader suffering of civilians in war zones.

The film’s Oscar nomination underscores its powerful storytelling and ethical approach to depicting real-life tragedy, making it a crucial piece of contemporary cinema.

It serves not only as a narration of individual tragedy but also as an artistic and documentary response to the silence and censorship that often overshadow West Asian struggles and wars.

Using an innovative method she calls docufiction, Ben Hania bridges unvarnished reality and narrative structure, creating a work that is both artistically valuable and socially impactful.

Born in 1977 in Sidi Bouzid—later the epicenter of the Arab revolution—her background profoundly influenced her worldview and artistic approach.

She is a graduate of the Higher School of Audiovisual Arts of Tunis, Pantheon-Sorbonne University, and La Fémis in Paris, where her studies equipped her with the technical and theoretical tools needed to address complex subjects. 

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News Network
January 19,2026

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Donald Trump has linked his repeated threats to seize Greenland to his failure to win the Nobel Peace Prize, in a letter to Norwegian Prime Minister Jonas Gahr Støre.

The authenticity of the letter, in which Trump says he no longer feels obligated to “think purely of peace,” was confirmed by Støre to the Norwegian newspaper VG.

“Considering your country decided not to give me the Nobel Peace Prize for having stopped eight wars plus, I no longer feel an obligation to think purely of peace,” Trump wrote, adding he can now “think about what is good and proper for the United States.”

Støre said Trump’s letter was in response to a short message he had sent earlier, on behalf of himself and Finland’s President Alexander Stubb.

Trump has escalated rhetoric toward Greenland, a self-governing Danish territory, insisting the US will take control “one way or the other.” Over the weekend, he tweeted: “Now it is time, and it will be done!!!”

On Saturday, Trump threatened a 10% tariff on imports from Denmark, Norway, Sweden, France, Germany, the UK, the Netherlands, and Finland from 1 February until the US is allowed to purchase the island. EU diplomats met for emergency talks on possible retaliatory tariffs and sanctions.

In his letter, Trump argued Denmark “cannot protect” Greenland from Russia or China, questioning Danish ownership: “There are no written documents; it’s only that a boat landed there hundreds of years ago.” He added that NATO should support the US, claiming the world is “not secure unless we have complete and total control of Greenland.”

Trump’s stance has unsettled the EU and NATO, as he refused to rule out military action to take control of the mineral-rich island.

The Nobel Peace Prize is awarded by the independent Norwegian Nobel Committee, not the government. Trump had campaigned for last year’s prize, which went to Venezuelan opposition leader María Corina Machado, who dedicated her award to him.

Støre reiterated that the Nobel Prize decision rests solely with the committee.

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News Network
January 19,2026

New Delhi: Setting speculation to the rest, the CPI(M) has made it clear that it is open to have an electoral understanding with the Congress “to defeat” the Trinamool Congress and the BJP in West Bengal Assembly election even as it is all set to take on the grand old party in Kerala accusing it of “found wanting” in fighting the Hindutva forces.

The CPI(M) also said that it will contest the Tamil Nadu election “with DMK and its allies to defeat the BJP and its allies”, amid a section in the Congress triggering confusion about its participation in the M K Stalin-led coalition over demand over power-sharing and more seats. It is also willing to join hands with Congress and others in Assam and Puducherry to defeat the BJP.

The decisions came at a three-day meeting of the CPI(M) Central Committee in Thiruvananthapuram, which ended on Sunday after reviewing the poll preparations in the poll-bound states.

The CPI(M)'s decision came even as a section led by West Bengal Congress president Subhankar Sarkar is averse to tying up with the Left Front, claiming that their party is not benefitted by the electoral understanding. Both Congress and CPI(M)-led Left Front had electoral understanding in 2016 and 2021 Assembly elections and 2024 Lok Sabha polls.

Congress and the Left Front fought together for the first time in 2016 when Congress won 44 seats and the CPI(M) got 26. In 2021, the Left Front and the Congress drew a blank. In the 2024 Lok Sabha polls, Congress managed to win one seat while the Left did not win any. In the 2019 Lok Sabha polls, both fought against each other with Congress winning two and the Left none.

“In Bengal, the party will work for the defeat of both the TMC and the BJP, which are trying to polarise the society. We will try to rally all the forces that are ready to work against them,” the CPI(M) said in a statement without naming Congress by name. Senior leaders said there is no change in its strategy of pooling all non-BJP, non-TMC votes.

However, the party was critical of the Congress in Kerala where both will fight against each other.

The CPI(M) said it would "expose the BJP-led Union government’s denial of rightful dues to Kerala, the fiscal constraints imposed and the overall attack on federalism" as also "expose the failure of the Congress to effectively counter this attack on federalism, as the largest opposition party in the Parliament".

"The Congress, especially in Kerala, was found wanting in the fight against communal RSS-BJP, ideologically and this will also be exposed before the people," it added.

In Assam, it said, the CPI(M) will work for the mobilisation of all the anti-BJP parties and forces and defeat the rabidly communal and divisive BJP government. The Left parties are cooperating with Congress in the north-eastern state. In Puducherry, it said it will work for the defeat of the BJP alliance government.

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