Personal loans are becoming more accessible to a wider section of borrowers, but lenders still prefer salaried individuals due to the stability of their income. The share of borrowers from non-metros seeking credit has increased, with tier-2 and -3 towns showing a rise in credit score inquiries. However, there is a disparity between salaried and self-employed individuals in terms of credit access, with salaried borrowers having more active credit accounts and higher approval rates for home loans.