Quick Approval Process
Fast and hassle-free loan processing with minimum waiting time.
Krishna Consultancy was started in 2011 with the aim of helping a CIBIL Defaulters to get loans again. Krishna consultancy is an authorized intermediary connecting individuals and businesses with top Banks and NBFCs. We act as a bridge between the CIBIL Defaulter and the Financial Institution. We guide CIBIL Defaulters on when and how they will get a secured loan based on their CIBIL Score. We provide Home Loan, Mortgage Loan, Balance Transfer-Topup Loan, Commercial Vehicle Loan and Car Loan to CIBIL Defaulter. We also provide guidance on how to improve CIBIL SCORE. Krishna Consultancy is a financial distributor operating across GUJARAT.
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Securing a Home Loan with CIBIL DEFAULTER tag is tough but possible through our guidance. Be prepared for Higher Down Payments, Higher Interest Rates and lower Loan to Value(LTV) ratio. After studying your CIBIL Report, we will guide you, which financial institution will sanction your home loan and we'll provide complete guidance and support from initial login to final disbursement.
Getting a Mortgage Loan or Loan Against Property (LAP) as a CIBIL defaulter is difficult but possible. Because the loan is secured by collateral, lenders focus more on your property value, income stability, and repayment capacity rather than just your credit score. Expect to pay higher interest rates and get a lower LTV ratio.
A Balance Transfer + Top-up loan allows you to transfer your existing loan (like a home, personal, or property loan ) to a new lender for borrowing additional funds. Securing a Balance Transfer(BT) with a top-up loan as a CIBIL DEFAULTER is extremely difficult without collateral. Your best options are secured balance transfers (like Home or LAP).
Getting a car or commercial vehicle loan with a poor credit history or CIBIL default is challenging but possible. Lenders classify this as high-risk, so you must rely on secured loans(where vehicle act as collateral), larger down payments(typically 30% to 50%).
Improving your CIBIL score requires consistent financial discipline over 6 months or 12 months. The most impactful steps include paying all your EMIs on time, keeping your credit card usage below 30% of your limit and avoiding multiple loan or credit card applications. We can update your past paid or settled loan in your CIBIL Report. We can also update the loan or credit card which does not belongs to you.
Years Experience
We provide reliable and fast loan assistance with expert guidance, low documentation process, and solutions specially designed for CIBIL defaulters.
Fast and hassle-free loan processing with minimum waiting time.
Professional financial guidance with complete transparency.
Simple documentation process for easy and smooth approval.
Expert support to improve your credit profile and eligibility.