Which app gives a loan with a bad CIBIL score?
There is no universal app that accepts every low-score applicant. Check each provider’s requirements and available offer. This directory does not predict approval.
Low CIBIL Score Loan Apps in India
Looking for a loan with a low CIBIL score? Compare personal loan apps by amount, rate and repayment period, then check the provider’s eligibility criteria. Available offers depend on your full application.
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 low CIBIL score?
A low score can limit your options, but it is only one part of an application. Lenders may also assess income, existing repayments and your credit report. Requirements differ between providers, so start with their published eligibility criteria.
Bad CIBIL loan app list: what to compare
The list above is our shared directory of personal loan apps. Inclusion does not confirm acceptance of a low score. Compare the amount you need, the repayment period and the cost of an actual offer before proceeding.
For costs, check the annual rate or APR, processing fees, money credited after deductions and total repayment. A lower monthly EMI may come with a longer term.
Find information for your credit score
Use the 500 and 600 score guides for a more specific starting point. If your report shows NA or NH, read the guide to borrowing without an established credit history. No history and a history of missed payments are different situations.
What if you have current overdue payments?
A score alone does not describe your current obligations. Review your report and outstanding repayments before taking on another commitment. If an entry is incorrect, use the bureau’s dispute process; if a payment is overdue, contact the existing lender about your options.
Questions, answered
Are low CIBIL and no CIBIL the same?
No. A low numeric score reflects scored credit history. NA or NH can mean there is insufficient history to produce a score.
Can I get an instant loan with a very bad CIBIL score?
An instant application does not remove the lender’s assessment. Approval, amount and transfer time depend on the provider and your application.
Does browsing these apps affect my CIBIL score?
Browsing this directory does not request your credit report. A lender may check it when you proceed with an application; read the provider’s consent and assessment terms.