If you want that the loan lender offers you a personal loan without any hassle, you need to have a good CIBIL Score. The value of this score varies from one state to another. For example the CIBIL Score value for the Delhi- NCR is 750. However, in many cases there are NBFCs which can approve the loan application when your CIBIL Score is between 710 and 730. However in such an event, the processing fee and interest rate is on the higher side.