{"id":901,"date":"2026-05-12T04:09:15","date_gmt":"2026-05-12T04:09:15","guid":{"rendered":"https:\/\/www.creditinline.com\/blogs\/?p=901"},"modified":"2026-05-12T04:09:15","modified_gmt":"2026-05-12T04:09:15","slug":"bad-cibil-score-loan","status":"publish","type":"post","link":"https:\/\/www.creditinline.com\/blogs\/bad-cibil-score-loan\/","title":{"rendered":"Bad CIBIL Score Loan: 7 Lenders in India Who Don&#8217;t Check Credit"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"901\" class=\"elementor elementor-901\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9c0b41 e-flex e-con-boxed e-con e-parent\" data-id=\"d9c0b41\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-680bcf9 elementor-widget elementor-widget-text-editor\" data-id=\"680bcf9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Are you facing a financial crisis and looking for an instant solution through a personal loan? You are also facing eligibility issues, such as a lower CIBIL score. In such cases, you can try a <\/span><b>bad CIBIL score loan, <\/b><span style=\"font-weight: 400;\">which is easier and can help you manage cash for your needs. However, for getting a loan with a low CIBIL score, there are some criteria, such as your income must be good or higher, and you must not have any serious default history. In some cases, like continuous delay, the credit score can go down, or when you don\u2019t have any loan history, you can have a lower score. In such cases, you can explore the app where there is flexibility. So, to apply for a <\/span><b>low CIBIL score loan, <\/b><span style=\"font-weight: 400;\">you must check the eligibility criteria on the following app. The loan amount and charges might be different.\u00a0<br \/><em><strong>Go Through Our Latest Blog :- <a href=\"https:\/\/www.creditinline.com\/blogs\/loan-applications-and-their-effect-on-cibil-score\/\">CIBIL score drops after loan application<\/a><\/strong><\/em><\/span><\/p><h2><b>List of Apps where you can get a bad CIBIL Score Loan<\/b><\/h2><p><span style=\"font-weight: 400;\">There are multiple loan Apps from where you can get a loan, depending on your eligibility criteria like income, credit score and others like residential status. A couple of loan apps are as follows. However, after verifying all the criteria and being affordable, you can<strong><a href=\"https:\/\/www.creditinline.com\/apply-now?utm_source=blog_seo\"> apply for a personal loan<\/a><\/strong>. <\/span><b>\u00a0<\/b><\/p><table><tbody><tr><td><p><b>Lender Name<\/b><\/p><\/td><td><p><b>Best For<\/b><\/p><\/td><td><p><b>Loan Amount<\/b><\/p><\/td><td><p><b>Interest Rate (Approx)<\/b><\/p><\/td><td><p><b>Key Approval Factor<\/b><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Moneyview<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Steady income with low CIBIL<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u20b95,000 &#8211; \u20b910 Lakhs<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">From 1.33% p.m.<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Bank statements &amp; repayment behavior<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">KreditBee<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Urgent small-ticket cash<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u20b91,000 &#8211; \u20b94 Lakhs<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Up to 29.95% p.a.<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Social &amp; professional stability<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">mPokket<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Students &amp; Freshers (Zero CIBIL)<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u20b9500 &#8211; \u20b930,000<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">2% &#8211; 4% p.m.<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Student ID \/ Income proof<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">CASHe<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Social profile-based borrowing<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u20b91,000 &#8211; \u20b94 Lakhs<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">From 2.25% p.m.<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Social Loan Quotient (SLQ)<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">NIRA<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Credit-starved salaried staff<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Up to \u20b91 Lakh<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">2% &#8211; 3% p.m.<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">3-month banking history<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">Stashfin<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Revolving credit line needs<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u20b91,000 &#8211; \u20b95 Lakhs<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">11.99% &#8211; 59.99% p.a.<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Revolving credit assessment<\/span><\/p><\/td><\/tr><tr><td><p><span style=\"font-weight: 400;\">PayMe India<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Corporate employee advances<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">\u20b9500 &#8211; \u20b92 Lakhs<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">2% &#8211; 3% p.m.<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Employer &amp; salary verification<\/span><\/p><\/td><\/tr><\/tbody><\/table><h2><b>Application Process for the loan through Apps<\/b><\/h2><p><span style=\"font-weight: 400;\">To apply for a bad CIBIL score loan through the app, you need to go through multiple steps, and these are downloading the app, especially after checking the details, completing KYC with your registered mobile number and getting approval and disbursal. So, if you are willing to apply for the loan, the steps are as follows.\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Download the loan app<\/b><span style=\"font-weight: 400;\">: Install the lender\u2019s app from the Play Store or App Store, especially the platform or lender you have selected to borrow from.<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Register your account<\/b><span style=\"font-weight: 400;\">: Sign up using your registered mobile number, which is linked to the account.\u00a0<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Complete KYC verification<\/b><span style=\"font-weight: 400;\">: Upload your documents, especially the Aadhaar, PAN, and a selfie for identity verification.<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Enter income details<\/b><span style=\"font-weight: 400;\">:\u00a0 Provide employment details with your salary slip and bank account statement.\u00a0<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Select loan amount<\/b><span style=\"font-weight: 400;\">: Select your required loan amount and repayment tenure.\u00a0<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Submit the application: <\/b><span style=\"font-weight: 400;\">After reviewing all details, apply directly through the app.<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Get instant approval<\/b><span style=\"font-weight: 400;\">: If you are eligible, the app automatically verifies eligibility and shares the approval status.<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Receive loan disbursal<\/b><span style=\"font-weight: 400;\">: Once the loan amount is approved, the amount is transferred to your bank account directly.<\/span><\/li><\/ul><h2><b>The Beneficial Features of Getting a Personal Loan Through\u00a0<\/b><\/h2><p><span style=\"font-weight: 400;\">Getting a personal loan through an app is beneficial for multiple reasons, like an easy online application process, easy and fast approval, minimal documentation, affordable fees and fast disbursal. Some specific features are as follows.\u00a0<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Easy and online application<\/b><span style=\"font-weight: 400;\">: The application process is easy, which can be accomplished in an online mode. The availability for loan application is all the time, which makes the application process easy.<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Instant approval process:<\/b><span style=\"font-weight: 400;\"> Get faster loan approval with automated verification systems. However, it is only possible when you are eligible with the income and credit score.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Minimal documentation<\/b><span style=\"font-weight: 400;\">: You can apply for a personal loan by uploading digital KYC documents and income documents without any physical paperwork.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Flexible loan amounts<\/b><span style=\"font-weight: 400;\">: You can choose the flexible loan amounts based on your financial requirements. However, it is approved based on your monthly income and credit score.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fast loan disbursal<\/b><span style=\"font-weight: 400;\">: The approved loan amount is transferred shortly to your linked account. So it helps you manage the cash on time.\u00a0\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Easy EMI management:<\/b><span style=\"font-weight: 400;\"> Depending on the repayment tenure, you can get the personal loan on EMI. However, before applying, you need to check the tenure and repayment conditions.\u00a0<\/span><\/li><\/ul><h2><b>Conclusion\u00a0<\/b><\/h2><p><span style=\"font-weight: 400;\">Now getting a personal loan or a <\/span><b>bad CIBIL score loan<\/b><span style=\"font-weight: 400;\"> is easier if your income is good. In different situations, your credit score becomes lower, but you can get the loan. There are multiple loan apps which are providing personal loans with a lower score also. But before applying, you must check the eligibility, especially the income, documents, and other factors. If you are eligible, you can select the app where you are getting it at an affordable price. After checking all details, get the approval and disbursal for <\/span><b>without CIBIL score personal loan<\/b><span style=\"font-weight: 400;\">. In future, with the timely repayment, you can enhance your CIBIL score also, especially for ensuring multiple beneficial features.\u00a0<br \/><\/span><\/p><h2>FAQs<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8815baf elementor-widget elementor-widget-elementskit-accordion\" data-id=\"8815baf\" data-element_type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a0563a182131\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-8815baf\">\n                        <a href=\"#collapse-a406e216a0563a182131\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-a406e216a0563a182131\" aria-expanded=\"true\" aria-controls=\"Collapse-a406e216a0563a182131\">\n                            \n                            <span class=\"ekit-accordion-title\">Q1. Can I get a personal loan without a CIBIL score?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-a406e216a0563a182131\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-8815baf\" data-parent=\"#accordion-6a0563a182131\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Yes, some loan apps provide personal loans without a CIBIL score by checking your income, bank statements, and repayment capacity.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-8815baf\">\n                        <a href=\"#collapse-6da04016a0563a182131\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-6da04016a0563a182131\" aria-expanded=\"false\" aria-controls=\"Collapse-6da04016a0563a182131\">\n                            \n                            <span class=\"ekit-accordion-title\">Q2. Which loan apps offer loans for low CIBIL scores?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-6da04016a0563a182131\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-8815baf\" data-parent=\"#accordion-6a0563a182131\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Apps like Moneyview, KreditBee, CASHe, and Stashfin offer loans for applicants with low or limited credit history.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-8815baf\">\n                        <a href=\"#collapse-e7fb37b6a0563a182131\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-e7fb37b6a0563a182131\" aria-expanded=\"false\" aria-controls=\"Collapse-e7fb37b6a0563a182131\">\n                            \n                            <span class=\"ekit-accordion-title\">Q3. Can I get a loan with a 500 CIBIL score?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-e7fb37b6a0563a182131\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-8815baf\" data-parent=\"#accordion-6a0563a182131\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Yes, some lenders may approve a loan with a 500 CIBIL score if you have stable income, good banking history, and meet their eligibility criteria.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-8815baf\">\n                        <a href=\"#collapse-7da73436a0563a182131\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7da73436a0563a182131\" aria-expanded=\"false\" aria-controls=\"Collapse-7da73436a0563a182131\">\n                            \n                            <span class=\"ekit-accordion-title\">Q4. What documents are required for a bad CIBIL score loan?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7da73436a0563a182131\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-8815baf\" data-parent=\"#accordion-6a0563a182131\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">Usually, Aadhaar Card, PAN Card, bank statements, salary slips, and a selfie are required for KYC and verification.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-8815baf\">\n                        <a href=\"#collapse-1d3be396a0563a182131\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-1d3be396a0563a182131\" aria-expanded=\"false\" aria-controls=\"Collapse-1d3be396a0563a182131\">\n                            \n                            <span class=\"ekit-accordion-title\">Q5. How can I improve my CIBIL score after taking a loan?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-1d3be396a0563a182131\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-8815baf\" data-parent=\"#accordion-6a0563a182131\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p><span style=\"font-weight: 400\">You can improve your CIBIL score by paying EMIs on time, avoiding missed payments, and maintaining a good repayment history.<\/span><\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2cab94 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c2cab94\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.creditinline.com\/apply-now?utm_source=blog_seo\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply for Personal Loan <\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71a1b91 elementor-widget elementor-widget-text-editor\" data-id=\"71a1b91\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><em><strong>Disclaimer<\/strong><\/em><\/p><p><em><strong>This blog is for information purposes only. We do not promote or endorse any specific loan app or financial institution. Borrowers are advised to carefully review terms and conditions, check RBI registration of lenders, and evaluate repayment capability before availing any loan. Instant cash loans come with higher interest rates and risks, so exercise due diligence before making financial decisions.<\/strong><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Are you facing a financial crisis and looking for an instant solution through a personal loan? You are also facing eligibility issues, such as a lower CIBIL score. In such cases, you can try a bad CIBIL score loan, which is easier and can help you manage cash for your needs. However, for getting a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":902,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[135,38],"tags":[125,136],"class_list":["post-901","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bad-cibil-score-loan","category-personal-loan","tag-apply-for-personal-loan","tag-bad-cibil-score-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bad CIBIL Score Loan<\/title>\n<meta name=\"description\" content=\"Get complete details about bad CIBIL score loan apps, eligibility criteria, approval process, required documents, and tips to improve your credit score.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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