Which loan app accepts a 500 CIBIL score?
Acceptance cannot be confirmed from the score alone. Review the provider’s eligibility rules and application assessment. We do not label these apps as confirmed 500-score lenders.
500 CIBIL Score Loan Apps: Options in India
Have a CIBIL score of 500? Browse personal loan apps and compare their published terms. Check eligibility with the provider: the list does not confirm that an app accepts a score of 500.
Compare personal loan apps
KreditBee
- Up to
- ₹10L
- Rate/yr
- 12–27.5%
- Term
- 3–60 mo
Moneyview
- Up to
- ₹10L
- Rate/yr
- ≥14%
- Term
- 3–60 mo
Fibe
- Up to
- ₹10L
- APR/yr
- ≥18%
- Term
- 6–36 mo
Kissht
- Up to
- ₹5L
- APR/yr
- 17–45%
- Term
- 6–60 mo
mPokket
- Up to
- ₹2L
- APR/yr
- ≤54.2%
- Term
- 6–24 mo
CASHe
- Up to
- ₹3L
- APR/yr
- ≤48%
- Term
- 9–18 mo
PaySense
- Up to
- ₹5L
- APR/yr
- 14.5–40%
- Term
- 3–60 mo
Olyv
- Up to
- ₹5L
- Rate/yr
- ≥18%
- Term
- 2–18 mo
Navi
- Up to
- ₹20L
- Rate/yr
- ≤29.96%
- Term
- ≤84 mo
Stashfin
- Up to
- ₹5L
- APR/yr
- 10–45%
- Term
- 3–42 mo
Branch
- Up to
- ₹5L
- Rate/yr
- 12–66%
- Term
- 4–24 mo
Zype
- Up to
- ₹5L
- Rate/yr
- 18–34%
- Term
- 6–36 mo
Can you get a personal loan with a 500 CIBIL score?
A score of 500 is toward the lower end of CIBIL’s 300–900 scale. It can make approval more difficult, especially where a lender has a higher minimum score. An app’s maximum loan amount tells you nothing about whether it will accept your application.
Look beyond the number on your report
Check whether the report shows current overdue payments, older missed payments or an error. These situations need different responses. An accurate report helps you understand what a lender may see; correcting an error is different from removing accurate history.
Comparing loan apps when your score is 500
Start with the amount you actually need and a repayment you can manage. Check each lender’s stated requirements before applying. If an offer is available, compare fees, net disbursal, repayment dates and total cost.
Do not interpret a missing minimum-score requirement as confirmation that 500 is accepted. If the provider does not publish a threshold, eligibility remains subject to its assessment.
500 versus 600: why the pages are separate
A higher score can improve the starting point for an application, but neither 500 nor 600 guarantees approval. Use the 600 guide if that is your current score, or return to the low CIBIL overview for broader options.
Questions, answered
Can I borrow ₹5,000 with a 500 score?
A smaller requested amount does not override a lender’s credit criteria. The available amount depends on its assessment and product limits.
Will a higher income guarantee approval at 500?
No. Income may be considered alongside repayment obligations and credit history, but the lender decides whether to approve.
Is a 500 score the same as having no credit history?
No. A numeric score represents scored credit history. For NA or NH, see the guide to loan apps without a CIBIL score.