Low CIBIL Score Loan Apps List: Best Apps for Instant Loans with Bad Credit for 2025

Features like quick approvals, flexible loan periods, and little paperwork help people who need financial aid the most. Thanks to low CIBIL score loan apps that focus on income and repayment capability rather than just credit scores, these applications are meant to provide borrowers with low credit histories with fast, hassle-free loans. Depending on the app, loan interest rates for borrowers with poor CIBIL scores might range from 1.02% monthly to 54% annually. Loan apps for low cibil score make borrowing more inclusive and easier, whether for paying unanticipated costs, medical crises, or accomplishing personal goals. 

List of Top Latest Low CIBIL Score Loan Apps for 2025

Most loan apps for low credit scores provide loans for those with poor CIBIL scores, as mentioned below. Fast processing, flexible loan terms, and inclusive eligibility rules are top priorities on these sites. Below is the Emergency Loan App List:

NoBroker Instacash	4.5
CASHe	4.3
KreditBee	4.2
PaySense	4.0
EarlySalary	4.1
MoneyTap	4.0
NIRA	4.2
LazyPay	4.0
HomeCredit	3.9
Fullerton India	4.3
IndiaLends	4.1
LoanTap	4.0
SmartCoin	4.1
StashFin	4.0
Dhani	3.7
Bajaj Finserv	4.8
mPokket	4.4
MoneyView	4.8
Kreditzy	3.9
Loan Bazaar	4.2

Top 15 Low CIBIL Score Loan Apps for Instant Cash in 2025

The low cibil score personal loan apps have become well-known for their dependability in offering consistent financial help to those with poor CIBIL scores. Let’s see the best RBI Approved Loan Apps in India: 

1. NoBroker

Focusing on income stability above credit score, NoBroker is a Low cibil score loan app that provides quick personal loans with reasonable rates. One of the quickest instant loan apps is NoBroker InstaCash, a dependable and effective partner for people needing quick cash. With lending rates starting at ₹12.99%, it offers quick approval. 

Loan Amount Range	₹10,000 – ₹10,00,000
Interest Rate	12.99 -24% p.a.
Processing Fee	1-2% of loan amount
Eligibility	Salaried/Self-Employed
Disbursal Time	24 hours
Rating	4.5
Pros	Quick process, no guarantor
Cons	Limited city availability

2. CASHe

Designed for salaried workers, CASHe provides quick approval and disbursal of short-term loans and is one of the best loan app for low cibil score. CASHe is the greatest credit line and personal loan app in India, and it works on many different platforms.CASFor millions of working millennials who are underserved and unserved, he is opening up economic potential, development, and financial benefits.

Loan Amount Range	₹7,000 – ₹3,00,000
Interest Rate	15-30% p.a.
Processing Fee	₹500-₹1,500
Eligibility	Salaried professionals
Disbursal Time	Within minutes
Rating	4.3
Pros	No guarantor, quick approval
Cons	High-interest rates

3. KreditBee

KreditBee is the best personal loan app for low cibil score and provides quick personal loans for self-employed and salaried people. An Urgent Rs 10000 Loan is possible with KreditBee, which makes it easier for borrowers and banks or other NBFCs to transact for personal loans. Young professionals can use Direct Transfer to their bank account with our Instant Personal Loans. 

Feature	Details
Loan Amount Range	₹1,000 – ₹2,00,000
Interest Rate	18-36% p.a.
Processing Fee	2.5% of the loan amount
Eligibility	Salaried/Self-Employed
Disbursal Time	15 minutes
Rating	4.2
Pros	Digital process, quick loans
Cons	High processing fees

4. PaySense

PaySense is an app for Instant Cash Loans that offers pre-approved loans with less paperwork for salaried and self-employed borrowers. For all your personal needs, including marriage, a car, a vacation, medical care, and more, PaySense provides instant personal loans online up to ₹5 lakh. Personal loans from ₹5,000 to ₹5,00,000 are available through the PaySense quick personal loan app offers flexible EMI options, no collateral, and reasonable interest rates.  

Loan Amount Range	₹5,000 – ₹5,00,000
Interest Rate	16-24% p.a.
Processing Fee	2-2.5% of loan amount
Eligibility	Salaried/Self-Employed
Disbursal Time	2 days
Rating	4
Pros	Easy process, pre-approved limits
Cons	Slower disbursal
Cons	High processing fees

5. EarlySalary

Early Salary is a quick cash loan specialising in short-term personal loans with flexible payback terms for salaried workers. The weighted average cost of capital, client acquisition costs, and administrative and operational expenses are some elements that determine the interest rate. In addition to promptly disbursing your loans, EarlySalary protects your data, and you can even get 30000 Rupees Loan Urgently..  

Loan Amount Range	₹8,000 – ₹5,00,000
Interest Rate	18-24% p.a.
Processing Fee	₹500-₹2,000
Eligibility	Salaried professionals
Disbursal Time	10 minutes
Rating	4.1
Pros	Instant disbursal, easy EMI options
Cons	Limited to salaried only

6. MoneyTap

With a personal credit line provided by MoneyTap, individuals can borrow only what they need and pay interest on the used amount. For personal loans up to Rs 5 lakh, MoneyTap provides interest rates as low as 1.08% per month or 13% annually. Through partnerships with numerous banks and NBFCs recognized by the RBI, MoneyTap provides credit cards and personal loans.

Loan Amount Range	₹3,000 – ₹5,00,000
Interest Rate	13-24% p.a.
Processing Fee	2% of the loan amount
Eligibility	Salaried/Self-Employed
Disbursal Time	24 hours
Rating	4
Pros	Flexible usage: pay only for what you use
Cons	Higher eligibility requirements

7. NIRA

Emphasizing middle-class consumers, NIRA is an instant loan app for low cibil score that offers small-ticket loans for pressing needs. For a simple loan application process, the Nira loan app provides competitive interest rates and tailored financial solutions. You can even avail Urgent 50000 Loan in no time using the app. 

Loan Amount Range	₹5,000 – ₹1,00,000
Interest Rate	20-36% p.a.
Processing Fee	2.5% of the loan amount
Eligibility	Salaried professionals
Disbursal Time	24 hours
Rating	4.2
Pros	Quick funds for small needs
Cons	High processing fees

8. LazyPay

LazyPay is a low-cost personal loan app that offers easy, minimal documentation-based, quick personal loans to salaried people and freelancers. You can use a free credit limit of up to Rs. 10,000 with LazyPay at more than 45,000 online retailers. The greatest personal loan and pay-later option in India is LazyPay, which is accepted on over 25,000 sites. Obtain quick, easy, and immediate express loans. 

Loan Amount Range	₹1,000 – ₹1,00,000
Interest Rate	18-30% p.a.
Processing Fee	₹250-₹1,000
Eligibility	Salaried/Freelancers
Disbursal Time	5 minutes
Rating	4.0
Pros	Superfast approval, no collateral
Cons	Smaller loan range

9. HomeCredit

Offering loans with less paperwork, HomeCredit is a fast personal loan app that serves consumers with poor credit ratings. With Home Credit, you can easily obtain consumer loans, mobile loans, laptop loans, home appliance loans, and more by downloading the app. It is in the 15 Days Loan Apps List list that offers cash loans and low-interest products!

Loan Amount Range	₹10,000 – ₹2,00,000
Interest Rate	24-36% p.a.
Processing Fee	₹500-₹2,000
Eligibility	Salaried/Self-Employed
Disbursal Time	48 hours
Rating	3.9
Pros	Inclusive eligibility, low documentation
Cons	Higher interest rates

10. Fullerton India

Emphasizing salaried and self-employed people, Fullerton India is one of the best loan apps in India, offering personal loans to low credit score customers. The mConnect mobile app from Fullerton, India, may be found in the App Store and Google Play Store. You may check the status of your loan using the app. 

Loan Amount Range	₹25,000 – ₹10,00,000
Interest Rate	12-24% p.a.
Processing Fee	₹2,000 onwards
Eligibility	Salaried/Self-Employed
Disbursal Time	48 hours
Rating	4.3
Pros	Large loan amounts, transparent terms
Cons	Longer processing time

11. IndiaLends

Acting as an aggregator, IndiaLends links borrowers to lenders for loans fit for low CIBIL levels. The most trustworthy online marketplace in India for personal loan offers from over 70 banks and NBFCs with RBI approval is IndiaLends. This implies that you can use a single online platform to obtain and apply for the best pre-qualified personal loan offers with the least amount of paperwork.

Loan Amount Range	₹10,000 – ₹50,00,000
Interest Rate	10-25% p.a.
Processing Fee	Varies
Eligibility	Salaried/Self-Employed
Disbursal Time	48 hours
Rating	4.1
Pros	Multiple loan options, easy comparisons
Cons	Disbursal depends on the lender

12. LoanTap

For salaried and self-employed people, LoanTap offers customized personal loans with flexible payback terms. One of the most dependable choices for personal loans is LoanTap, an NBFC regulated by the RBI that provides flexible repayment plans, clear qualifying requirements, and little paperwork.

Loan Amount Range	₹50,000 – ₹10,00,000
Interest Rate	14-24% p.a.
Processing Fee	2% of the loan amount
Eligibility	Salaried/Self-Employed
Disbursal Time	24-36 hours
Rating	4
Pros	Flexible repayment, high limits
Cons	Higher eligibility requirements

13. SmartCoin

Overview
SmartCoin is great for modest ticket financial demands as it specializes in microloans. You can quickly and easily obtain 100% digital loans with Olyv (previously SmartCoin) that are deposited straight into your bank account and don't require any paperwork. The greatest online loan app in India that may simplify your life is called SmartCoin.

Loan Amount Range	₹1,000 – ₹70,000
Interest Rate	20-36% p.a.
Processing Fee	₹100-₹500
Eligibility	Salaried/Self-Employed
Disbursal Time	24 hours
Rating	4.1
Pros	Perfect for microloans, quick process
Cons	High rates for short loans

14. StashFin

Overview
For consumers with low CIBIL scores, StashFin provides a personal line of credit, allowing flexible borrowing and repayment. Stashfin operates in over 30 Indian locations and offers small, fast personal loans ranging from Urgent 20000 Personal Loan to ₹500,000. Interest rates for Stashfin Personal Loans start at 11.99% for loans up to Rs 5 lakh and for terms up to 4 years.

Loan Amount Range	₹1,000 – ₹5,00,000
Interest Rate	11.99-36% p.a.
Processing Fee	2% of the loan amount
Eligibility	Salaried/Self-Employed
Disbursal Time	24 hours
Rating	4
Pros	Flexible borrowing, large credit range
Cons	Higher processing fees
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15. Dhani

Dhani offers credit line services and fast personal loans with simple payback terms. The Dhani app is your one-stop app for handling your daily financial requirements. You can obtain various loans with Dhani Loan, such as business, wedding, education, and personal loans. 

Loan Amount Range	₹1,000 – ₹5,00,000
Interest Rate	13-24% p.a.
Processing Fee	₹500-₹1,500
Eligibility	Salaried/Self-Employed
Disbursal Time	5 minutes
Rating	3.8
Pros	Instant loans, flexible usage
Cons	Lower app ratings

16. Bajaj Finserv 

As a leading supplier of quick personal loans, Bajaj Finserv offers large loan amounts and various tenures ranging from 12 to 60 months. The software is well-known for its clear conditions, easy UI, and fast approval system. It is flexible for different financial demands as it serves salaried and self-employed people.

Loan Amount Range	₹20,000 – ₹40,00,000
Interest Rate	14-26% p.a.
Processing Fee	₹500-₹1,500
Eligibility	Salaried/Self-Employed
Disbursal Time	24 Hrs
Rating	4.4
Pros	Instant loans, flexible usage
Cons	More disbursal time

17. mPokket 

Designed for young professionals and students, mPokket provides modest-ticket personal loans ranging in value from ₹500. The app's quick approval procedure and low verification requirements appeal for consumers fresh to credit especially. The 30 Days Loan App can be directly deposited to bank accounts or digital wallets; repayment conditions are negotiable. 

Loan Amount Range	₹500 – ₹30,000
Interest Rate	24-48% p.a.
Processing Fee	₹34-₹203 plus GST
Eligibility	College students, young professionals
Disbursal Time	10 minutes
Rating	4
Pros	Quick loans for students, no collateral
Cons	High interest rates, limited loan amount

18. MoneyView 

Through a completely digital approach, MoneyView offers fast personal loans and lets consumers instantly verify their eligibility. It is accessible to a larger audience as it supports a broad credit score range. Loan lengths of up to 60 months and affordable interest rates mean that loan amounts range from ₹10,000 to ₹5,00,000.

Loan Amount Range	₹1,000 – ₹5,00,000
Interest Rate	13-24% p.a.
Processing Fee	₹500-₹1,500
Eligibility	Salaried/Self-Employed
Disbursal Time	5 minutes
Rating	3.8
Pros	Instant loans, flexible usage
Cons	Lower app ratings

19. Kreditzy

Offering quick loans with a flawless online application, Kreditzy targets paid professionals. Loan amounts go from ₹10,000 to ₹2,00,000; approval usually comes in minutes. It is a dependable solution with flexible EMI choices and low qualifying criteria for quick financial demands.

Loan Amount Range	₹1,000 – ₹2,00,000
Interest Rate	15-36% p.a.
Processing Fee	2-5% of the loan amount
Eligibility	Salaried/Self-Employed
Disbursal Time	15 minutes
Rating	4
Pros	Instant approval, easy documentation
Cons	High-interest rates

20. Loan Bazaar 

Loan Bazaar is among the best Quick Loan Apps List. It focuses on commercial and personal loans. It offers appealing interest rates and a quick and easy loan application procedure. The program guarantees customized loan solutions for its customers, serving many financial demands, including company development, education, and medical situations. 

Loan Amount Range	₹10,000 – ₹50,00,000
Interest Rate	10-36% p.a.
Processing Fee	Varies by lender
Eligibility	Salaried/Self-Employed
Disbursal Time	24-48 hours
Rating	4.1
Pros	Multiple loan options, easy comparison
Cons	Disbursal time depends on lender

Benefits of Low CIBIL Score Loan Apps

Low CIBIL score loan applications have transformed the lending procedure for those with bad credit histories. Using these applications has these main advantages:

• Loans Accessibility: These low-cibil loan apps especially target those with poor credit ratings and provide a solution when conventional banks might refuse applicants.
• Instant Loan Approvals: Low CIBIL score loan applications guarantee that customers may handle financial crises without delays by instantly approving, typically within minutes.
• Minimal Recording: Simplified application procedures save time and effort by requesting minimal evidence, such as identification proof, residence proof, and income verification.
• Alternate eligibility criteria: Unlike conventional lenders, these applications assess eligibility using criteria such as income stability, type of work, and repayment capability rather than solely on credit ratings.
• Customizable Loan Terms and Amounts: Borrowers can take out loans ranging from a few thousand to lakhs, which they may modify to suit their financial situation by varying their tenures.
• Open Mechanisms: Reputable lending applications explicitly state interest rates, processing costs, and loan conditions to help users make educated judgments.
• Raises the credit score: Timely repayments made via these applications are recorded to credit bureaus, enabling borrowers to raise their CIBIL ratings gradually.
• Easy Online Experience: The whole digital procedure makes the experience easy because consumers may apply, submit paperwork, and monitor loans from the comfort of their homes.
• Collateral Not Required: For those without large assets, most low CIBIL score loan applications provide unsecured loans, removing the necessity for collateral.
• Availability of EMI Alternatives: Borrowers can lessen the financial burden of lump-sum payback by repaying the loan in reasonable EMIs.

How to Choose the Right Low CIBIL Score Loan App?

Choosing the correct low CIBIL score loan app calls for comprehensive research to guarantee you get the greatest bargain free from any hidden risks. Here's how to choose wisely:

• Evaluate charges and interest rates: Compare the interest rates among many applications to choose one with reasonable rates. Do not ignore processing costs and late payment penalties that affect the overall loan cost.
• Review Eligibility Standards: Ensure the software has flexible qualifying criteria that fit low CIBIL score debtors. Some applications give income stability top priority over credit history.
• Analyze Tenure and Loan Amount: Select an app with loan amounts and tenures that fit your ability to pay back and financial situation.
• Check Consistency and Reviews: Research the app's reputation by reading user reviews and ratings on app stores or financial forums to guarantee dependability and openness.
• Search for open language: To prevent surprises, choose applications with well-stated terms and conditions explaining interest rates, processing fees, and payback schedules.
• Evaluate disbursement speed: If you need money right now, prioritise applications recognized for swift or immediate disbursals, usually within 24 hours.
• Give customer service priority: Effective resolution of questions or problems depends on a responsive customer support system.
• Guarantee Data Security: To protect your financial and personal data, use applications with robust privacy policies and data encryption.
• Review Extra Features: Some apps include value-added services like credit score improvement advice, E MI calculators, or pre-approved loans.
• Evaluate Overall advantages: Finally, consider the advantages and drawbacks of many applications to choose the one with the greatest features, price range, and adaptability.

How to Apply for a Low CIBIL Score Loan Using These Apps?

Using low CIBIL score loan applications makes applying for a loan easy and quick. Use these instructions to get going:

• Step 1: Choose the Correct App: Investigate and choose a respectable app that fits your loan criteria, such as loan amount, interest rates, and terms.
• Step 2: Get and Register: Get the selected software straight from the official app store. Register using your phone number and email address to ensure the information matches your official records.
• Step 3: All KYC Verification: For identification and residence verification, upload required documentation, including Aadhaar, PAN, and income proofs—salary slips or bank statements.
• Step 4: Send Loan Details: Indicate your intended loan amount and payback term. The software will compute the E MI and show related expenses.
• Step 5: Send Income Reports: Specify your income source—salaried or self-employed. Certain apps may need evidence of consistent income.
• Step 6: Get Approved Wait: The software assesses your application based on qualifying criteria like income consistency and debt capacity. Usually, approval takes a few minutes to many hours.
• Step 7: Accept loan terms: Once accepted, review the loan offer, including interest rate, term, and costs. Then, accept the conditions.
• Step 8: Get Loan Amount: Within a few hours after approval, the loan money is deposited into your bank account.
• Step 9: Track and Recon Payment: The app tracks loan information, including E MI dates and outstanding amounts. Pay back on time to raise your credit score and prevent fines.

What you should know?

Low CIBIL score loan applications have changed credit availability, facilitating the acquisition of money for those with little credit background. Designed to appeal to a broad spectrum of borrowers, a low cibil personal loan app provides speedy approvals, little paperwork, and flexible terms. They address the void created by conventional lenders by emphasizing elements like income stability and repayment capabilities instead of just credit ratings. Low CIBIL score loan applications provide a sensible and quick answer for those in great need of financial help so they may properly handle their financial problems and build their basis for better creditworthiness.

Frequently Asked Questions