Fibe Personal Loan Interest Rates

Fibe personal loan starts from 18% p.a. onwards However, the NBFC has not disclosed the differential personal loan interest rates based on factors such as monthly income, credit score, etc. for its personal loan schemes, most lenders consider these factors while setting interest rates.

Personal Loan Interest Rates by Other Banks/NBFCs

*Paisabazaar special rates
Note: Rates as of 13th January, 2026

The NBFC claims to set its personal loan interest rates based on factors like weighted average cost of funds, administrative and operational costs, customer acquisition cost, risk premium profit margin, etc. However, many lenders also consider the following parameters when setting the interest rates for their personal loan applicants.

Income

Lenders, usually consider monthly income when setting personal loan interest rates for their applicants. Applicants with higher income reduce the credit risk for the lender as they usually have higher repayment capacity. This benefit is passed on to the applicant in the form of a lower interest rate.

Credit Scores

Fibe has not disclosed differential personal loan interest rates on the basis of the credit scores of loan applicants. Most lenders generally consider credit scores of 750 and above as good credit score. Thus, personal loan applicants having such credit scores are more likely to get loans at lower interest rates as compared to those with lower credit score. Following sound financial habits such as maintaining a minimum credit utilisation ratio, paying credit card bills on time, avoiding frequent loan applications helps to improve or maintain higher credit scores, and thereby, improves personal loan eligibility.

Moreover, review your credit at regular intervals as any misinformation in your credit report can also lower your credit score. Therefore, report to credit bureaus in case any errors or discrepancies are found.

Employer Profile

Banks or NBFCs usually offer personal loans to salaried applicants at lower interest rates due to their higher income certainty. Salaried applicants working in PSUs and government entities are offered differential interest rates considering their higher job and income security. Applicants working for multinational companies or reputed private sector organizations are also loan at lower interest rates as such companies can effectively tackle economic crises compared to those working for other private sector organisations.

Existing relationship with the lender

Many lenders offer personal loans at concessional interest rates to applicants who have existing lending or deposit accounts with them. Hence, those planning to avail personal loans should always contact the bank or NBFC with whom the concerned applicant already has an existing lending or banking relationship to get personal loan at lower interest rates.