Top 10 Personal Loan Apps for Low CIBIL Score in India (2026)

Yes, you heard that right! You can still get a personal loan in India even with a low CIBIL score with top personal loan apps. Many RBI-regulated NBFCs and fintech apps now assess eligibility using alternate data such as income, repayment behaviour, and employment stability; not just your credit score. Apps like Bajaj Finserv, Fibe and others offer quick digital loans with flexible criteria for such borrowers. 

Getting rejected for a loan because of a low CIBIL score can feel stressful but here’s the good news: the lending landscape in India has evolved. Today, several loan apps go beyond just your credit score and evaluate your overall financial profile. 

With the rise of digital lending and RBI’s push for financial inclusion, borrowers with limited or poor credit history now have access to quick, paperless loans.  
In this blog, we break down the top 10 personal loan apps for low CIBIL score in India (2026), along with how to choose the right one. 

Top Personal Loan Apps for Low CIBIL Score in India – Quick Comparison 

Loan App	Loan Amount	Interest Rate (p.a.)	Tenure	Key Highlight
Bajaj Finserv	₹20,000 – ₹40 lakhs	Starting ~13%	Up to 96 months	High loan amount, trusted NBFC
Fibe	Up to ₹10 lakhs	Starting ~18% on reducing balance basis	6 – 36 months	Quick approval, minimal documentation
Navi	Up to ₹20 lakhs	Starting ~9.9%	Up to 72 months	Fully digital, instant disbursal
PaySense (now LazyPay)	₹5,000 – ₹5 lakhs	~16% onwards	Flexible	Good for thin credit profiles
CASHe	₹1,000 – ₹4 lakhs	Higher range	Short-term	AI-based underwriting
TruBalance	₹1,000 – ₹2 lakhs	~24% onwards	Short-term	Easy access for low-income users
ZestMoney	₹5,000 – ₹2 lakhs	Varies	Short-term	No credit score required in some cases
KreditBee	₹1,000 – ₹5 lakhs	~17%+	Up to 24 months	Good for first-time borrowers
moneyview	Up to ₹10 lakhs	Starting ~14%	Up to 60 months	Personalised loan offers

Note: Interest rates and loan terms may vary based on your profile, lender policies and may change over time. 

1. Bajaj Finserv 

Top USP: High loan amount + strong trust factor 

Bajaj Finserv is one of India’s most reliable NBFCs, making it a top choice even for borrowers with slightly low CIBIL scores. While approval may still depend on your profile, they consider income stability and employer profile alongside your credit score. 

• Offers loans up to ₹40 lakhs  

• Flexible tenure up to 96 months  

• Pre-approved offers for existing customers  

• Competitive interest rates compared to fintech apps  

2. Fibe 

Top USP: Fast approval with minimal documentation 

Fibe stands out for its instant approval and quick disbursal, especially for young salaried users or those new to credit. It uses alternate data and AI-based underwriting, making it easier for low CIBIL users to qualify. 

• Loans up to ₹10 lakhs  

• Fully digital process with Aadhaar-based KYC  

• Quick disbursal (often within minutes)  

• Flexible tenure options  

3. Navi 

Top USP: 100% digital journey with low starting interest rates 

Navi has disrupted the market with its paperless and transparent loan process. It evaluates users beyond CIBIL using internal risk models. 

• Loans up to ₹20 lakhs  

• Interest rates starting from ~9.9% (profile-based)  

• Instant approval and disbursal  

• No physical documentation required  

4. PaySense (LazyPay) 

Top USP: Designed for thin or new credit profiles 

PaySense focuses on borrowers who may not have a strong credit history. It uses alternative credit scoring models to assess eligibility. 

• Loans starting from ₹5,000  

• Flexible EMI options  

• Simple eligibility criteria  

• Good approval chances for first-time borrowers  

5. CASHe 

Top USP: AI-driven credit assessment 

CASHe uses its proprietary social and behavioural scoring system instead of relying only on CIBIL. This makes it a viable option for low-score borrowers. 

• Short-term loans with quick access  

• Instant approval for eligible users  

• Focus on salaried millennials  

• Minimal documentation  

6. TrueBalance 

Top USP: Small-ticket loans with high approval chances 

TrueBalance is popular among users with low income or low CIBIL score, especially for smaller loan amounts. It focuses on financial inclusion and accessibility. 

• Loans starting from ₹1,000  

• Simple eligibility criteria  

• Quick disbursal for small-ticket loans  

7. Kissht 

Top USP: Flexible EMI financing + personal loans 

Kissht is popular for its consumer financing and EMI options, but it also offers personal loans for low CIBIL users. 

• Wide range of loan products  

• Flexible repayment structure  

• Works well for small-ticket loans  

• Minimal documentation  

8. ZestMoney 

Top USP: No strict credit score dependency 

ZestMoney is known for enabling credit access without a strong credit score, especially for online purchases and small loans. 

• Focus on affordability-based lending  

• Instant approvals for eligible users  

• EMI without credit card  

• Partnered with multiple merchants  

9. KreditBee 

Top USP: Fast loans for first-time borrowers 

KreditBee is widely used by young professionals and gig workers. It offers quick personal loans with relaxed eligibility criteria. 

• Loans starting from ₹1,000  

• Short approval time  

• Suitable for low-income or new borrowers  

• Simple digital journey  

10. moneyview 

Top USP: Personalised loan offers using AI 

moneyview uses AI-driven risk assessment to provide customised loan offers, even to users with low credit scores. 

• Loans up to ₹10 lakhs  

• Tailored offers based on profile  

• Quick digital process  

• Flexible tenure  

Factors That Affect Your Eligibility Beyond CIBIL Score 

Even if your credit score is low, lenders look at multiple other signals: 

• Monthly Income: Stable income increases trust and repayment ability  

• Employment Type: Salaried employees often get faster approvals than freelancers  

• Bank Statement Analysis: Spending patterns and balance consistency matter  

• Existing EMIs (FOIR): Fewer loan obligations improve your eligibility  

• Repayment Behaviour: Past loan repayment history (even informal or BNPL)  

• Employer Credibility: Working with a reputed company can boost approval chances  

• Location Tier: Metro and Tier 1 cities often get better loan access 

How to Choose the Right Loan App with a Low CIBIL Score? 

Not all loan apps are equal, especially when your credit score is low. Here’s how to pick wisely: 

• Check RBI Registration: Always choose RBI-regulated NBFCs or partnered apps  

• Compare APR, Not Just Interest Rate: APR includes all charges like processing fees  

• Look for Flexible Repayment Options: Choose apps offering tenure flexibility  

• Avoid Hidden Charges: Read the Key Fact Statement (KFS) carefully  

• Check Disbursal Speed: If urgent, prioritise instant loan apps  

• Evaluate Customer Reviews: App ratings and feedback matter  

• Start Small: Take a smaller loan first and repay on time to rebuild your score  

• Use Eligibility Checkers (Soft Inquiry): Avoid multiple hard inquiries that reduce your score 

The Bottom Line 

A low CIBIL score is no longer the dead-end it used to be. With the rise of fintech lending in India, you now have access to multiple personal loan apps tailored for low credit profiles. 

The key is to borrow responsibly, compare options carefully, and use these loans as a stepping stone to rebuild your credit score. Over time, disciplined repayment can help you unlock better rates and higher loan limits. 

FAQs on Personal Loan Apps for Low CIBIL Score 

1. Can I get a personal loan with a low CIBIL score in India? 

Yes, you can get a personal loan even with a low CIBIL score. Many loan apps assess your income, employment stability, and repayment behaviour instead of relying only on your credit score. 

2. What is the minimum CIBIL score required for a personal loan? 

Most lenders prefer a CIBIL score of 700+, but some apps offer loans for scores as low as 550–650 by evaluating alternative data like income and bank transactions. 

3. Which loan app is best for low CIBIL score in India? 

Apps like Bajaj Finserv, Fibe, Navi, and PaySense are among the best options as they consider factors beyond just your credit score for loan approval. 

4. Can I get an instant loan without a CIBIL check? 

Some apps offer loans with minimal or alternative credit checks, but completely skipping credit assessment is rare. Most lenders use soft checks or alternative scoring models. 

5. Do personal loan apps check bank statements? 

Yes, most loan apps analyse your bank statements to assess income consistency, spending habits, and repayment capacity before approving a loan. 

6. Will applying for multiple loan apps affect my CIBIL score? 

Yes, multiple loan applications can lead to multiple hard inquiries, which may temporarily reduce your credit score. It’s better to use eligibility checkers (soft inquiries) first. 

7. What is the safest loan app in India? 

The safest loan apps are those partnered with RBI-registered NBFCs or banks, such as Bajaj Finserv, Fibe, Navi, and moneyview. 

8. How can I improve my chances of loan approval with a low CIBIL score? 

You can improve approval chances by maintaining a stable income, reducing existing EMIs, applying for smaller loan amounts, and ensuring a clean bank statement. 

9. Are interest rates higher for low CIBIL score loans? 

Yes, loans for low CIBIL score borrowers usually come with higher interest rates due to increased risk for lenders. 

10. Can taking a loan improve my CIBIL score? 

Yes, if you repay your EMIs on time, it can help improve your credit score over time and increase your future loan eligibility.