Low CIBIL Score Loan Apps – Quick Financial Help for Bad Credit
Life can bring unexpected financial challenges, and when savings fall short, taking a loan becomes a necessity. However, a low CIBIL score often makes loan approval difficult. Fortunately, several digital lending platforms now offer loans even with a poor credit history.
Here’s a list of 2025’s best loan apps for low CIBIL scores, eligibility criteria, benefits, and how to apply.
List of Loan Apps for Low CIBIL Score (2025)
- FlexSalary
- Bajaj Finserv
- PayMe India
- PaisaBazaar
- MoneyTap
- KreditBee
- CASHe
- MoneyView
- Dhani
- India Dhani (BharatPe Loan)
- EarlySalary
- SmartCoin
- LoanTap
- Amazon Pay Later
- Rupifi
- StashFin
- Home Credit
- LazyPay
- mPokket
Benefits of Low CIBIL Score Loan Apps
✅ No High CIBIL Score Needed – Loans available even with poor credit.
✅ Quick Approval – Funds disbursed within 30 minutes.
✅ Small to Medium Loans – ₹2,000 to ₹50,000 available.
✅ Minimal Documentation – Only Aadhaar & PAN Card required.
✅ No Collateral Needed – Unsecured personal loans.
✅ Easy Online Process – Apply from home via mobile app.
✅ RBI/NBFC Registered – Many apps are legally approved.
✅ Available for All – Both salaried & self-employed can apply.
Disadvantages of Low CIBIL Score Loans
❌ High-Interest Rates – Ranging from 12% to 48%.
❌ Short Repayment Tenure – Usually up to 6 months.
❌ Processing Fees – Up to 10% charges.
❌ Low Loan Amounts – Limited compared to traditional loans.
❌ Penalties for Late Payment – Additional fines apply.
❌ 18% GST – Extra tax on loan processing.
Eligibility Criteria
✔ Indian Resident
✔ Age: 18 – 55 years
✔ Stable Income Source (Salary or Business)
Required Documents
- Salary Slip (for salaried) / Bank Statements (last 6 months)
- Aadhaar & PAN Card
- Address Proof (Utility Bill/Rental Agreement)
- Passport-size Photo or Selfie
- E-Signature
How to Apply for a Low CIBIL Score Loan?
- Download any loan app from the list above.
- Register & enter personal & bank details.
- Select Loan Amount & repayment tenure.
- Submit Documents for verification.
- Get Approval within minutes & receive funds directly in your bank account.
Final Thoughts
If you need urgent funds but have a low CIBIL score, these apps provide quick solutions. However, always compare interest rates & repayment terms before borrowing.
🔗 Apply Now & Get Instant Loan Approval!