Need a loan but not sure where to start? Credit Insights shows indicative loan ranges by lender type. Pick an amount to see your approval chance.
See which type of lender may suit the amount you need
Check the approval chance for a selected loan amount
Understand what in your credit report may affect that chance
Opening Credit Insights is a soft check. As per TransUnion CIBIL, soft enquiries are not used to calculate your score. Loan ranges are indicative, as on September 2026, and are not offers from any lender. Your approval chance is an estimate, not a loan approval or a final quote. A lender makes the final decision when you apply. For the score number, go to CIBIL Score. For a question about your report, use AI Credit Chat.
Explore Credit Insights
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Users love us - Rated 4.6 on Google PlayAfter you give consent, Credit Insights shows lender categories and loan ranges based on recent app data from similar users. It also helps you understand your CIBIL report before you apply. It is not a loan offer or a promise that your score will improve by a certain date.
You see the CIBIL score from your report. It matters, but it is not the only thing lenders look at. Two people with the same score can get different results because their repayment and borrowing history can be different.
For the number itself, see CIBIL Score.
These are details from your report. Credit Insights does not compare lenders or recommend cards, funds, or insurance.
Repayment (DPD)Days past due on a loan or card. Recent or repeated late payments can make lenders cautious.
Credit utilisationHow much of your card limit you are using. Using most of your limit can matter even with a good score.
EnquiriesRecent loan or card applications. Applying many times in a short period can be a concern.
Open loans and cardsAccounts still marked open. An account you closed may still show as open on your report.
Little or no historyNot enough borrowing history. No history is not a bad score; it means lenders have less to go on.
Credit Insights shows indicative loan ranges by lender type, so you can see which type of lender may match the amount you need.*
Use the loan-amount slider to choose the amount you need. The app then shows an approval chance for that amount. This is an estimate based on your profile, not a guaranteed approval. Your final rate, amount, and approval come from the lender when you apply.
*Indicative, as on September 2026. Not offers from any lender.
Download True Balance.
Sign in with your registered mobile number.
Open Credit Insights from the home card.
Give your consent for the credit check.It is a soft pull.
Choose a loan amount.See your approval chance and the lender categories that may fit.
Your own result appears in the app after you sign in and give consent. For your score, use CIBIL Score. To ask a question, use AI Credit Chat.
A higher score can help, but it does not guarantee a loan. Common reasons include:
A recent late payment or bounced EMI
A loan or card that still shows as open after closure
Several applications made within a few weeks
An amount that may be harder to approve with your current profile
Little or no credit history
Your score is only one part of the picture. See the details in Credit Insights or ask AI Credit Chat about your report.
You want to know where you may be able to borrow and how much.
You want to check your approval chance before applying.
You have a score but want to know what else lenders may see.
You have little credit history and want to understand what that means.
Comparing credit cards or lenders side by side.
Investment, insurance, or settlement advice.
Asking about your own report. That is what AI Credit Chat is for.
Credit Insights reads the report. These help you check the number and ask about it.
See your score on the 300–900 scale. Soft check, with no score impact as per TransUnion CIBIL.
Know MoreAsk why a loan was rejected or how much you may be eligible for, based on your own report.
Know MoreReady to apply? A personal loan from True Credits or a lending partner, fully digital.
Know MoreThis page is general information about a True Balance app feature. Loan ranges and approval chances are estimates, not a credit facility or a personalised offer. It is not investment, insurance, or settlement advice. CIBIL® is a registered trademark of TransUnion CIBIL Limited. True Balance is not the official CIBIL bureau. True Balance is a platform; loans are from True Credits Private Limited or other RBI-registered partners. Your final eligibility, amount, rate, and fees are decided by the lender and shown before you accept.