{"id":1209,"date":"2026-02-27T10:25:20","date_gmt":"2026-02-27T10:25:20","guid":{"rendered":"https:\/\/www.ecscredit.com\/blogs\/?p=1209"},"modified":"2026-10-26T12:50:30","modified_gmt":"2026-10-26T12:50:30","slug":"how-to-close-personal-loan-early","status":"publish","type":"post","link":"https:\/\/www.ecscredit.com\/blogs\/how-to-close-personal-loan-early\/","title":{"rendered":"How to Close Personal Loan Early and Improve Your CIBIL Score"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1209\" class=\"elementor elementor-1209\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df158e4 e-flex e-con-boxed e-con e-parent\" data-id=\"df158e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9f54c04 elementor-widget elementor-widget-text-editor\" data-id=\"9f54c04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Debt is one of the most intelligent financial choices that can be taken. Many borrowers in India often wonder <\/span><b>How to Close Personal Loan Early<\/b><span style=\"font-weight: 400;\"> and whether it can actually help improve their credit score. The positive thing is -Yes, an early loan closure may have a favorable effect on your financial profile as long as it is done the right way.<\/span><\/p><p><span style=\"font-weight: 400;\">If you are someone looking for a <\/span><a href=\"https:\/\/www.ecscredit.com\/personal-loan.php\"><b>Personal Loan<\/b><\/a><span style=\"font-weight: 400;\"> or already repaying one, this guide will help you understand the process, benefits, charges, and smart strategies to improve your credit health.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-535af63 e-flex e-con-boxed e-con e-parent\" data-id=\"535af63\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae30dfc elementor-widget elementor-widget-heading\" data-id=\"ae30dfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to Close Personal Loan Early \u2013 Step-by-Step Process<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-703fa20 e-flex e-con-boxed e-con e-parent\" data-id=\"703fa20\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92b12f0 elementor-widget elementor-widget-text-editor\" data-id=\"92b12f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you are planning How to Close Personal Loan Early, follow these simple steps:<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c20e2df e-flex e-con-boxed e-con e-parent\" data-id=\"c20e2df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe2844d elementor-widget elementor-widget-heading\" data-id=\"fe2844d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Check Your Loan Agreement\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-075f531 e-flex e-con-boxed e-con e-parent\" data-id=\"075f531\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad2d496 elementor-widget elementor-widget-text-editor\" data-id=\"ad2d496\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Check: Ahead of any payment make:<\/span><\/p><p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">1. Prepayment charges<\/span><\/p><p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">2. Foreclosure penalty<\/span><\/p><p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">3. Lock-in period<\/span><\/p><p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">4. Excellent principal amount.<\/span><\/p><p><span style=\"font-weight: 400;\">Other banks permit part pre56 payment after 6 &#8211; 12 months.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5893bd9 e-flex e-con-boxed e-con e-parent\" data-id=\"5893bd9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22dd369 elementor-widget elementor-widget-heading\" data-id=\"22dd369\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Calculate Total Savings<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bad1f39 e-flex e-con-boxed e-con e-parent\" data-id=\"bad1f39\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-607e65a elementor-widget elementor-widget-text-editor\" data-id=\"607e65a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Compare:<\/span><\/p><ul><li><span style=\"font-weight: 400;\">Remaining EMI interest<\/span><\/li><li><span style=\"font-weight: 400;\">Prepayment penalty<\/span><\/li><li><span style=\"font-weight: 400;\">Net savings after closure<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">In case the interest saved exceeds the penalty then it is best to close down early.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1837265 e-flex e-con-boxed e-con e-parent\" data-id=\"1837265\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1aaf86 elementor-widget elementor-widget-heading\" data-id=\"f1aaf86\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Table of Calculation (as an example, to be understood better).<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b69b093 e-flex e-con-boxed e-con e-parent\" data-id=\"b69b093\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d123c2e elementor-widget elementor-widget-text-editor\" data-id=\"d123c2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Here\u2019s a simple comparison chart to understand savings when deciding <\/span><b>How to Close Personal Loan Early<\/b><span style=\"font-weight: 400;\">:<\/span><\/p><p>\u00a0<\/p><table><tbody><tr><td><p><b>Details<\/b><\/p><\/td><td><p><b>Normal Closure<\/b><\/p><\/td><td><p><b>Early Closure<\/b><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Loan Amount<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u20b93,00,000<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u20b93,00,000<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Remaining Tenure<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">24 Months<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">24 Months<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Total Interest Payable<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u20b960,000<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u20b925,000<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Prepayment Charges<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u20b90<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u20b96,000<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Net Savings<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u2014<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u20b929,000<\/span><\/p><\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3792999 e-flex e-con-boxed e-con e-parent\" data-id=\"3792999\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2db83c elementor-widget elementor-widget-heading\" data-id=\"c2db83c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Does Early Closure Enhance CIBIL Score?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b1132db e-flex e-con-boxed e-con e-parent\" data-id=\"b1132db\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e8ac11 elementor-widget elementor-widget-text-editor\" data-id=\"7e8ac11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yes, understanding How to Close Personal Loan Early can directly help your credit profile.<\/span><\/p><p><span style=\"font-weight: 400;\">Here is the way it affects your score:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduces debt-to-income ratio<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Enhances the use of credit.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Demonstrates responsible payment patterns.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Increases loan eligibility<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Following <\/span><a href=\"https:\/\/www.ecscredit.com\/blogs\/useful-tips-to-improve-cibil-score\/\"><b>Tips to Improve CIBIL Score<\/b><\/a><span style=\"font-weight: 400;\"> such as timely EMI payments and reducing outstanding debt will further boost your credit profile.<\/span><\/p><p><span style=\"font-weight: 400;\">Nevertheless, make sure your lender changes the status of closure in your CIBIL report. Always collect:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loan Closure Letter<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No Due Certificate (NOC)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Revised confirmation of credit report.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2bdba1c e-flex e-con-boxed e-con e-parent\" data-id=\"2bdba1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0cac162 elementor-widget elementor-widget-heading\" data-id=\"0cac162\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Things to Consider Before Closing a Personal Loan Early<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e4226ee e-flex e-con-boxed e-con e-parent\" data-id=\"e4226ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23d539f elementor-widget elementor-widget-text-editor\" data-id=\"23d539f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Before acting on How to Close Personal Loan Early, think about these factors:<\/span><\/p><p style=\"padding-left: 40px;\"><b>1. Emergency Fund: <\/b>Do not use all your savings. Save expenses of 3-6 months.<\/p><p style=\"padding-left: 40px;\"><b>2. Investment Opportunities: <\/b>In case your returns on investments are more than the interest on loan, it may be better to continue EMIs.<\/p><p style=\"padding-left: 40px;\"><b>3. Prepayment Charges: <\/b>Other lenders charge 2-5% on the outstanding principle.<\/p><p style=\"padding-left: 40px;\"><b>4. Future Loan Plans: <\/b>If you plan for a home or car loan soon, closing your current Personal Loan can improve approval chances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-11f8a19 e-flex e-con-boxed e-con e-parent\" data-id=\"11f8a19\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b320bb0 elementor-widget elementor-widget-heading\" data-id=\"b320bb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can Early Closure Help Get a 5000 Loan Without CIBIL Score?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e5ca20 e-flex e-con-boxed e-con e-parent\" data-id=\"2e5ca20\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc1a469 elementor-widget elementor-widget-text-editor\" data-id=\"dc1a469\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Many borrowers look for a <\/span><a href=\"https:\/\/www.ecscredit.com\/blogs\/5000-loan-without-cibil-score-easy-approval-options-explained\/\"><b>5000 Loan Without CIBIL Score<\/b><\/a><span style=\"font-weight: 400;\">, especially when their credit history is weak.<\/span><\/p><p><span style=\"font-weight: 400;\">Although small personal loan applications could give you a low approval with a low score, proper closing of your current loan will enhance your profile in the long run. No more emergency small loans with a revolving door, concentrate on:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clearing active loans<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Minimizing the use of credit cards<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Avoiding late payments<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reviewing your credit report on a regular basis.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Understanding <\/span><b>How to Close Personal Loan<\/b><span style=\"font-weight: 400;\"> Early is a smarter financial step compared to depending on quick short-term credit.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ccea253 e-flex e-con-boxed e-con e-parent\" data-id=\"ccea253\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7474769 elementor-widget elementor-widget-heading\" data-id=\"7474769\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Partial Prepayment and Full Foreclosure\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fbf5a28 e-flex e-con-boxed e-con e-parent\" data-id=\"fbf5a28\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9579a92 elementor-widget elementor-widget-text-editor\" data-id=\"9579a92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">When researching How to Close Personal Loan Early, you will come across two options:<\/span><\/p><p><b>Partial Prepayment<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay a lump sum<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">EMI stays unchanged, tenure decreases.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest savings increase<\/span><\/li><\/ul><p><b>Full Foreclosure<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Payment of all amounts owed.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loan account closes<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No further EMIs<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Select it depending on your budget.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d881f4 e-flex e-con-boxed e-con e-parent\" data-id=\"2d881f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-225bb27 elementor-widget elementor-widget-heading\" data-id=\"225bb27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Common Mistakes to Avoid<\/h4>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95cc4fe e-flex e-con-boxed e-con e-parent\" data-id=\"95cc4fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-439cc0b elementor-widget elementor-widget-text-editor\" data-id=\"439cc0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">While planning How to Close Personal Loan Early, avoid:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disregarding concealed foreclosure fees.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Failure to take written proof of closure.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Borrowing in the form of loans without crises savings.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loss of memory to review CIBIL update.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Check your credit report 30-45 days after the close.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1618caf e-flex e-con-boxed e-con e-parent\" data-id=\"1618caf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e51c9fb elementor-widget elementor-widget-heading\" data-id=\"e51c9fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Smart Tips to Improve CIBIL Score After Loan Closure<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9182406 e-flex e-con-boxed e-con e-parent\" data-id=\"9182406\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29a392f elementor-widget elementor-widget-text-editor\" data-id=\"29a392f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">After learning How to Close Loan Early, take these extra steps:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay bills using credit cards on time.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep the use of credit at less than 30 percent.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Do not take on several loan applications.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maintain old credit accounts.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check your credit report once a year.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">These practical Tips to Improve CIBIL Score will help you secure better interest rates in future.<\/span><\/p><p><span style=\"font-weight: 400;\">Also Read our latest blog: <\/span><a href=\"https:\/\/www.ecscredit.com\/blogs\/urgent-cash-loan-in-bangalore\/\"><b><i>Urgent Cash Loan in Bangalore<\/i><\/b><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-619b1da e-flex e-con-boxed e-con e-parent\" data-id=\"619b1da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e3f220 elementor-widget elementor-widget-heading\" data-id=\"5e3f220\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Final Thoughts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60b3c88 e-flex e-con-boxed e-con e-parent\" data-id=\"60b3c88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-073a3bd elementor-widget elementor-widget-text-editor\" data-id=\"073a3bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Understanding How to Close Personal Loan Early is not just about saving interest \u2014 it\u2019s about improving financial discipline and strengthening your credit score.<\/span><\/p><p><span style=\"font-weight: 400;\">In the case of Indian borrowers, early closure of loan can:<\/span><\/p><p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">1. Reduce stress<\/span><\/p><p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">2. Improve loan eligibility<\/span><\/p><p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">3. Boost CIBIL score<\/span><\/p><p style=\"padding-left: 40px;\"><span style=\"font-weight: 400;\">4. Increase financial freedom<\/span><\/p><p><span style=\"font-weight: 400;\">When it is used sensibly, it is a potent move towards financial sustainability in the long run.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c35f05 e-flex e-con-boxed e-con e-parent\" data-id=\"9c35f05\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ddba5ba elementor-align-center elementor-widget elementor-widget-button\" data-id=\"ddba5ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.ecscredit.com\/apply-now.php?utm_source=Blogs\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"><b>Apply for Personal Loan<\/b><\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b800086 e-flex e-con-boxed e-con e-parent\" data-id=\"b800086\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df0c9fa elementor-widget elementor-widget-text-editor\" data-id=\"df0c9fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4 data-start=\"87\" data-end=\"126\">Frequently Asked Questions (FAQ)<\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7627d93 e-flex e-con-boxed e-con e-parent\" data-id=\"7627d93\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f7c6ab elementor-widget elementor-widget-n-accordion\" data-id=\"7f7c6ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1330\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1330\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is it good to close a personal loan early? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1330\" class=\"elementor-element elementor-element-6e3af80 e-con-full e-flex e-con e-child\" data-id=\"6e3af80\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fd65e8 elementor-widget elementor-widget-text-editor\" data-id=\"6fd65e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yes, if interest savings are higher than prepayment charges, it is beneficial.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1331\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1331\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Does early loan closure increase CIBIL score? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1331\" class=\"elementor-element elementor-element-c647650 e-con-full e-flex e-con e-child\" data-id=\"c647650\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ab3a6b elementor-widget elementor-widget-text-editor\" data-id=\"2ab3a6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yes, it can improve your credit profile if reported correctly.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1332\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1332\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Are there charges for early foreclosure? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1332\" class=\"elementor-element elementor-element-576ccdb e-con-full e-flex e-con e-child\" data-id=\"576ccdb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36a2f73 elementor-widget elementor-widget-text-editor\" data-id=\"36a2f73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Most Indian banks charge 2%\u20135% of the outstanding amount.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1333\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1333\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How many months before I can close my loan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1333\" class=\"elementor-element elementor-element-8972940 e-flex e-con-boxed e-con e-child\" data-id=\"8972940\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-278dc10 elementor-widget elementor-widget-text-editor\" data-id=\"278dc10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Usually after 6\u201312 months, depending on lender policy.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1334\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1334\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I get a 5000 Loan Without CIBIL Score? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1334\" class=\"elementor-element elementor-element-2548a1a e-flex e-con-boxed e-con e-child\" data-id=\"2548a1a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-76f98b3 elementor-widget elementor-widget-text-editor\" data-id=\"76f98b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Some apps offer small loans, but improving your score is safer long-term.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8c5c22b e-flex e-con-boxed e-con e-parent\" data-id=\"8c5c22b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91db480 elementor-widget elementor-widget-text-editor\" data-id=\"91db480\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><em><strong>Disclaimer:<\/strong><\/em><\/p><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"c7695ae0-b1d5-473c-862c-1ebd4bc68d37\" data-message-model-slug=\"gpt-5-2\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\"><p data-start=\"0\" data-end=\"627\" data-is-last-node=\"\" data-is-only-node=\"\"><strong>This article is for informational purposes only and does not constitute financial advice. Loan foreclosure policies, prepayment charges, and CIBIL score impacts vary depending on the lender and individual financial profile. Readers are advised to consult their bank, NBFC, or certified financial advisor before making any loan repayment or foreclosure decision. The examples provided are hypothetical and for educational reference only. Loan approval and credit score improvements are subject to eligibility criteria and credit bureau reporting policies applicable in India.<\/strong><\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Debt is one of the most intelligent financial choices that can be taken. Many borrowers in India often wonder How to Close Personal Loan Early and whether it can actually help improve their credit score. The positive thing is -Yes, an early loan closure may have a favorable effect on your financial profile as long [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":1946,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_ppma_block_editor_authors":""},"categories":[55],"tags":[118,164,52,103],"ppma_author":[213],"class_list":["post-1209","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-loan","tag-5000-loan-without-cibil-score","tag-how-to-close-personal-loan-early","tag-personal-loan","tag-tips-to-improve-cibil-score"],"authors":[{"term_id":213,"user_id":4,"is_guest":0,"slug":"saurabh-jha","display_name":"Saurabh Jha","avatar_url":{"url":"https:\/\/www.ecscredit.com\/blogs\/wp-content\/uploads\/2026\/07\/cropped-cropped-Saurabh-jha.jpg-1.jpeg","url2x":"https:\/\/www.ecscredit.com\/blogs\/wp-content\/uploads\/2026\/07\/cropped-cropped-Saurabh-jha.jpg-1.jpeg"},"author_category":"5","first_name":"Saurabh","last_name":"Jha","user_url":"https:\/\/www.linkedin.com\/in\/saurabh-jha-243b5b177\/","job_title":"","description":"Saurabh Jha is a technical graduate and seasoned writer, and he has been working as a content writer and research scholar. With more than five years of writing experience in fintech, finance, arts and humanities."}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.ecscredit.com\/blogs\/wp-json\/wp\/v2\/posts\/1209","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ecscredit.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ecscredit.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ecscredit.com\/blogs\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ecscredit.com\/blogs\/wp-json\/wp\/v2\/comments?post=1209"}],"version-history":[{"count":10,"href":"https:\/\/www.ecscredit.com\/blogs\/wp-json\/wp\/v2\/posts\/1209\/revisions"}],"predecessor-version":[{"id":2380,"href":"https:\/\/www.ecscredit.com\/blogs\/wp-json\/wp\/v2\/posts\/1209\/revisions\/2380"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ecscredit.com\/blogs\/wp-json\/wp\/v2\/media\/1946"}],"wp:attachment":[{"href":"https:\/\/www.ecscredit.com\/blogs\/wp-json\/wp\/v2\/media?parent=1209"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ecscredit.com\/blogs\/wp-json\/wp\/v2\/categories?post=1209"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ecscredit.com\/blogs\/wp-json\/wp\/v2\/tags?post=1209"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.ecscredit.com\/blogs\/wp-json\/wp\/v2\/ppma_author?post=1209"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}