Bad CIBIL score? Don’t worry – How to get personal loan even with low credit in 2025
Sometimes in life, we suddenly require money for emergency such as paying hospital bills or managing household expenses. In such situations, many of us think of applying for personal loans. But if your CIBIL score is low, you may feel worried that banks will reject your loan application.
If it looks like your situation, do not worry. In 2025, the low cibil score automatically does not mean that you cannot get a Bad CIBIL score loan. There are many reliable financial forums and NBFCs (non-banking financial companies) that also provide loans to people with poor credit scores. They make the process accelerated and simple with low paperwork, especially for those looking for a Bad CIBIL score personal loan.
Why does a low score of Cibil cause problems in obtaining a loan?
Before entering the loan options, it is essential to understand why a low score of Cibil can be a problem for loan approval. Here’s why:
Greater risk of creditors:
A low score of Cibil indicates previous financial issues, such as lost payments or defaults, which makes creditors see it as a higher risk of reimbursement.
Reduced loan amount:
Even if a creditor takes advantage of your registration, the loan amount can be significantly lower than you really need. For example, if you request ₹ 7 lakhs, you can only get approval by ₹ 2-3 lakhs.
More documentation and warranty:
Creditors may apply for more paperwork, including income proof, employment history or even warranty to ensure the loan.
Higher interest rates:
One of the most significant disadvantages of a low credit score is the highest interest rates. Although a borrower with a good score may receive an interest rate of 10 to 12%, someone with a bad score can be charged from 18 to 30%.
Loan options for those with low scores of Cibil
Now the good news. Even with a low score of Cibil, you still have options. Here are some creditors who can help:
Cashe – Focuses on the Social Loan
Cashe evaluates candidates based on their social loans (SLQ) quotient, instead of relying only on their score at Cibil. This approach opens the door to many borrowers who may have a lower score, but a good financial history in another way.
• Loan Amount: ₹7,000 to ₹4,00,000
• Interest Rate: 15% to 30%
• Requirements: Minimum documentation, application-based application and fast disbursement.
Cashe is also considered a popular Bad CIBIL score loan app among young borrowers.
Paysense – Flexible EMI Options for Low Credit
Paysense provides personal loans to small and large quantities, even for those with low score of Cibil. It also offers flexible EMI options that make reimbursement easier.
• Loan Amount: ₹5,000 to ₹5,00,000
• Interest Rate: 16% to 24%
• Requirements: Basic documentation such as PAN, AADHAAR and income proof.
Paysense is known as a trusted Bad CIBIL score loan app with easy EMIs.
MoneyTap – Credit Line with Instant Access
MoneyTap offers an exclusive line of credit instead of a traditional loan, offering more flexibility to lend what you need when you need it. You only pay interest on the amount you use, not all the limit.
• Credit Limit: Up to ₹5,00,000
• Interest Rate: 13% to 24%
• Advantages: Pre-approved offers and easy access to funds as needed.
It also supports users applying for a Bad CIBIL score personal loan.
LazyPay – Fast Loans with Simple Approvals
LazyPay is known for offering loans with simple applications and quick approval. It is an ideal choice for borrowers who need immediate funds with minimal documentation.
• Loan Amount: Up to ₹1,00,000
• Interest Rate: 18% to 30%
• Requirements: Basic documentation, application-based application.
It is among the fastest growing Bad CIBIL score loan apps in India.
Fullerton India – Reliable NBFC for CIBIL-Affected Borrowers
Fullerton India provides loans for individuals with low credit scores. It provides quick approval and minimum paperwork, making it a reliable option in emergency.
• Loan Amount: Up to ₹10,00,000
• Interest Rate: 12% to 24%
• Eligibility: Available to salaried and self-employed persons.
A strong choice for a secured or unsecured Bad CIBIL score loan.
Bajaj Finserv – Flexi Loan for Large Expenditure
Bajaj Finserv is one of the largest and most reliable names in financial services. They provide flexi loans, which allow you to borrow as required and pay interest only on the amount used.
• Loan Amount: Up to ₹40,00,000
• Interest Rate: 14% to 26%
• Benefits: Flexible repayment options, including the ability to reduce EMI burden by paying interest only on the amount used.
Ideal for those who need a large Bad CIBIL score personal loan amount.
How to Improve the Possibility of Loan Approval with a Low CIBIL Score
If your CIBIL score is not very good, then there are some strategies that can improve your chances of being approved:
• Consider a secure loan: Offering a collateral such as gold or property can greatly improve your possibility of your approval.
• Get a co-applicant or guarantor: If a person with a better credit score co-integrate your debt, the lender may be more inclined to approve it.
• Show stable income: Lenders look at your ability to repay, so frequent income is a large plus.
• Avoid many applications: Applying for loans from various lenders in a short time can cause more damage to your credit score. Choose lenders carefully.
These strategies are essential when applying for a Bad CIBIL score personal loan.
Questions to Ask
Q: Can I get a loan with a CIBIL score less than 600?
Yes, many lenders are ready to work with borrowers who have less than 550–600 scores. Non-banking financial companies (NBFCs) and digital lenders often have more flexible criteria than traditional banks.
This makes it possible to get a Bad CIBIL score loan from trusted platforms.
Q: Will I Have to Pay Higher Interest Rates with a Low CIBIL Score?
Yes, normally. However, the rates will be lower if you offer warranties or have a co-application with a good credit score.
Q: Can I Get a Loan Without a Score from CIBIL?
Some creditors do not require a score from CIBIL. Instead, they use other methods to evaluate financial health, such as income, employment history, and spending habits.
Conclusion
Although getting a personal loan with a low score of CIBIL may seem a challenge, it is not impossible. There are many alternative loan options that serve people in situations like yours.
The key is to:
• Choose the right lender
• Be aware of the terms of the loan
• Ensure that you pay your loan on time to improve your financial situation
Remember, even a Bad CIBIL score can be overcome with the correct approach. Start improving your credit score today, and soon you will find even better options available to you — including a Bad CIBIL score personal loan through a Bad CIBIL score loan app.
Disclaimer
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The information provided on this site is not a substitute for professional financial, legal, or other advice. Before making financial decisions or using any product/service, we encourage you to read the relevant documents or terms and conditions carefully. If you want guidance regarding your personal situation you should speak to a qualified advisor. If you find any errors, please contact us.
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Vikas Saini: Published on 18/07/2025
