Banks provide personal loans to those who showcase a strong credit record and a repayment capacity to back their loan request. But what if you don't have a credit score or a zero score? Well, in situations like this, you can explore other loan products offered by the bank. Options to explore in case of a zero credit scoreThere are a number of options you can explore with your bank when your credit score is zero or low. Let's take a look at them one by one. 1. Loan against fixed depositIf you hold a fixed deposit with the bank, you are allowed to borrow 70-80 per cent of the deposit amount as a loan. Do remember the interest rate will be 2-3% above your FD rate, depending on your bank.2. Overdraft facilityThe bank provides an overdraft facility to both current and savings account users. In this, you can withdraw money from your current or savings account even if your account has a zero balance or is in the minus. The bank gives you an overdraft (OD) limit up to which you can withdraw an amount at a nominal interest rate, depending on how much you've used from the OD limit. 3. Loan against propertyIf you own a property and need a lump sum cash but have a zero credit score, use your asset and pledge the same to borrow the necessary funds. The loan amount and interest rate will be based on your income, repayment capacity and property value. 4. Cash advance using credit cardsCredit card users have the option to withdraw cash using their cards at a nominal charge. So if your loan requirement is not much and you can bear the cash advance fee of your card, use this option instead of applying for a loan. Don't overutilise your credit card as it will impact your credit score negatively, which is already 0. 5. Gold loanOwn gold assets, such as jewellery, gold coins, etc. and don't have the ideal credit score to apply for a personal loan, use them to borrow money. Once the loan is paid off, you can collect your gold assets from the bank. Check your credit score before applying for any of the alternative personal loan options. And do consult with your financial advisor before applying for credit; these safe practices secure you from making rash financial decisions. (Disclaimer: The above article is meant for informational purposes only, and should not be considered as any investment advice. ET NOW DIGITAL suggests its readers/audience to consult their financial advisors before making any money related decisions.)