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Getting personal loan sanctioned can be a daunting task amid Covid 19

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I need a personal loan but I want to take a loan from the bank as they provide loan at minimal rates.

However, banks are denying granting me a loan as currently, my credit score is low but it will improve once I repay my EMIs by September.

Should I wait or take it from NBFCs?-Name withheld as requestedIt is, of course, nearly not as bad as last year, where most borrowers struggled to get a loan for several months.

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