Below are lenders that are known to consider applicants with low or average credit scores.
⚠️ Interest rates may be slightly higher — this is normal for low-CIBIL loans.
| Lender | Min CIBIL | Loan Amount | Approval Time | Apply |
|---|---|---|---|---|
| MoneyTap Personal Loan | 550+ | ₹3L – ₹5L | 24–48 hrs | Check Eligibility |
| PaySense Personal Loan | 600+ | ₹5K – ₹5L | Same Day | Apply Now |
| CASHe Instant Loan | 550+ | ₹10K – ₹4L | Few Hours | Get Loan |
| KreditBee Personal Loan | 500+ | ₹1K – ₹5L | Minutes | View Offers |
| EarlySalary (Fibe) | 600+ | ₹8K – ₹5L | Same Day | Check Offers |
Low CIBIL? Check your eligibility instantly
Free | No credit score impact
You have better chances if you are:
Salaried (₹20,000+ monthly income)
Self-employed with bank statements
Working in a stable company
Not currently defaulting on active loans
Even if banks reject you, NBFCs and fintech lenders may approve your loan.
If your CIBIL score is low, follow these tips before applying:
Lower loan amounts = higher approval probability.
Each rejection lowers your score further.
Upload salary slips or bank statements clearly.
Even partial settlements help.
If you still face rejection, consider these safer alternatives:
Gold Loan – No CIBIL dependency
Salary Advance Apps
Co-applicant Loan (spouse or family)
Employer-backed loans
Avoid illegal money lenders — high interest can trap you in debt.
Yes. Some NBFCs and loan apps approve loans starting from 500 CIBIL, but interest rates may be higher.
Several digital lenders provide same-day approval, especially for salaried users.
No. Eligibility checks do not impact your credit score.
With timely repayments, improvement can be seen in 3–6 months.
A low CIBIL score doesn’t mean the end of your financial options.
With the right lender and smart approach, getting a personal loan is still possible.
Compare trusted lenders and check eligibility for free.
You can also check credit cards for first-time users
Good one. Informative.
thanks 🙂