Which app gives a loan without CIBIL?
Check each provider’s current first-time-borrower criteria. A provider considering applicants with no history may still request a credit report.
Loan Apps Without CIBIL Score in India
No CIBIL score yet? Compare personal loan apps and check their requirements for first-time borrowers. Not having a score is different from getting a loan without a credit check.
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
Without CIBIL score: no history or no check?
People searching for loan apps without CIBIL may mean two things: they have no established credit history, or they want a lender that does not check a bureau report. These are different requirements. A lender may check your report even when you have no numeric score.
What do NA, NH and “zero CIBIL” mean?
CIBIL describes a numeric score on a scale from 300 to 900. NA or NH can indicate insufficient credit history or a lack of recent credit activity. The search phrase “zero CIBIL” should not be treated as a numeric score of zero.
How to compare apps as a first-time borrower
Check whether the provider considers applicants without established credit history. Review identity, bank account, income and employment requirements for your situation. A missing salary-slip requirement does not necessarily remove income assessment.
The apps above form a general comparison list, not a verified list of lenders that skip CIBIL checks. Compare published amounts and terms, then confirm eligibility on the provider’s site.
Before accepting your first loan
Check the net amount you receive, repayment dates, fees and total amount due. Keep a copy of the lender’s offer and agreement. If you already have a low numeric score, use the low CIBIL guide for that situation.
Questions, answered
Can I get an instant loan without a CIBIL score?
Some lenders may assess a first-time borrower using other application information. You still need to meet their requirements; a fast application is not a promise of approval.
Does no CIBIL mean no documents?
No. Identity, bank account and income information may still be required. Document requirements depend on the provider.
Can someone with a bad score use this page?
You can compare the same apps, but having a low score is different from having no history. The low CIBIL page explains that scenario.