Getting a Personal loan with a Bad or low CIBIL score can be challenging. Traditional banks usually reject applications when the credit score is below 650. However, many NBFCs and loan apps offer instant personal loans even if your credit score is low. These apps provide quick approvals, minimum documentation, and fast disbursal—making them ideal for urgent financial needs.
Top 15 Loan App List for Personal Loan (Bad CIBIL Friendly)
| Loan App Name | Loan Amount | Interest Rate | CIBIL Required | Disbursal Time |
|---|---|---|---|---|
| KreditBee | ₹1,000 – ₹2 Lakhs | 12% – 30% | Low/Bad accepted | 10 minutes |
| MoneyTap | ₹3,000 – ₹5 Lakhs | 13% – 28% | 580+ | Same day |
| CashBean | ₹1,000 – ₹60,000 | 18% – 32% | No CIBIL required | 5–10 minutes |
| Nira | ₹5,000 – ₹1 Lakh | 15% – 36% | Low score allowed | Same day |
| KreditOne | ₹2,000 – ₹25,000 | 20% – 35% | Bad CIBIL allowed | 10 minutes |
| PaySense | ₹5,000 – ₹5 Lakhs | 14% – 26% | 580+ | 2–4 hours |
| mPokket | ₹500 – ₹45,000 | 18% – 36% | Not needed for students | 10 minutes |
| Dhani Loan | ₹2,000 – ₹1 Lakh | 14% – 28% | Low CIBIL accepted | Instant |
| Fibe (EarlySalary) | ₹8,000 – ₹2 Lakhs | 16% – 36% | Depends on salary | Same day |
| TrueBalance | ₹1,000 – ₹50,000 | 18% – 36% | Low CIBIL accepted | 5 minutes |
| Kissht | ₹5,000 – ₹2 Lakhs | 16% – 30% | 550+ | Same day |
| SmartCoin | ₹4,000 – ₹70,000 | 20% – 35% | No CIBIL needed | 10 minutes |
| Rupeelend | ₹10,000 – ₹1 Lakh | 18% – 36% | Bad/Low CIBIL ok | Same day |
| FlexSalary | ₹5,000 – ₹2 Lakhs | 18% – 36% | Low credit ok | Instant |
| BadaBro | ₹3,000 – ₹1 Lakh | 18% – 35% | Low CIBIL accepted | Fast approval |
Advantages and Disadvantages of Loan Apps for Low CIBIL Score
| Category | Points |
|---|---|
| Advantages | ✔ Quick disbursal within minutes |
| ✔ Easy online application | |
| ✔ Minimum documentation | |
| ✔ CIBIL score flexibility | |
| ✔ Good for emergencies | |
| ✔ Can improve credit score with timely repayment | |
| Disadvantages | ✘ Higher interest rates compared to banks |
| ✘ Short loan tenure | |
| ✘ Late payment charges are high | |
| ✘ Some apps may not be RBI-regulated | |
| ✘ Limited loan amounts |
Features of Loan Apps for Personal Loan
Instant Approval: 5–15 minutes processing.
KYC-Based Lending: Aadhaar + PAN only.
No CIBIL Dependency: Many apps accept low or negative credit score.
Flexible Tenure: 62 days to 24 months.
24×7 Access: Apply anytime through mobile.
Salary-Based Loans: Some apps rely on income rather than CIBIL.
Tips to Improve Your CIBIL Score for Personal Loan
Pay your EMIs and credit card bills on time
Maintain low credit utilization (below 30%)
Avoid applying to too many lenders
Check and correct CIBIL report errors
Keep old loan accounts open
Maintain a balanced credit mix
Take small loans and repay on time to build history
Also Read This Blog :- Personal loan for Low Cibil Score
Best Loan App for Low CIBIL Score in India (2025)
| Rank | Loan App | Why Recommended |
|---|---|---|
| 1 | KreditBee | Best for quick approval |
| 2 | SmartCoin | Best for no CIBIL |
| 3 | Nira | Best for salaried with low score |
| 4 | Kissht | Flexible EMIs |
| 5 | CashBean | Fast approval for emergencies |
7 Days Loan App List for Quick ₹50,000
These apps offer short-term loans for 7–30 days and can disburse up to ₹50,000 instantly:
| App Name | Loan Tenure | Max Loan |
|---|---|---|
| KreditBee | 7–90 days | ₹50,000 |
| SmartCoin | 7–60 days | ₹45,000 |
| CashBean | 7–30 days | ₹50,000 |
| Rupeelend | 7–30 days | ₹50,000 |
| TrueBalance | 7–60 days | ₹35,000 |
Also Read this Blog – 7 Days Loan App List
How to Choose the Best Loan App List for Personal Loan
Check whether the app is RBI-registered
Compare interest rates
Check processing fees
Look for transparent terms & conditions
Compare customer reviews
Choose apps with secure KYC
Prefer apps with good customer support
Frequently Asked Questions (FAQs)
1. Can I get a personal loan with a bad CIBIL score?
Yes, many NBFC-based loan apps offer personal loans to users with low or bad CIBIL scores.
2. Which is the best loan app for poor CIBIL?
KreditBee, SmartCoin, Nira, and Kissht are considered best for low CIBIL loans.
3. Is it safe to take loans from mobile apps?
Yes, if the app is RBI-registered or partnered with NBFCs. Avoid unauthorized apps.
4. How much loan can I get with a low CIBIL score?
You can get anywhere between ₹1,000 to ₹2,00,000 depending on the app and your income.
5. Does taking a small loan improve my CIBIL score?
Yes, timely repayments help improve your score significantly.
Disclaimer
All the information provided in this blog is based on general research and is meant only for informational purposes. Loan app features, charges, and eligibility criteria may vary for each user and may change over time. Readers are advised to verify details from the official loan app or website before making any financial decision. This blog does not provide financial advice or guarantee loan approval of any kind.
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