10 Best 600 CIBIL Score Loan Apps: Application Process, Eligibility and Safety Tips in 2025

Are you worried about your 600 CIBIL score? A 600 CIBIL score loan app helps individuals with moderate credit scores secure quick personal loans. Traditional banks may hesitate to lend to those with a 600 CIBIL score, but these apps offer flexible eligibility, fast approvals, and minimal paperwork. Whether for emergencies or personal needs, they provide convenient financing solutions tailored for low-credit borrowers. In this article, we'll learn more about loan apps for individuals with a 600 CIBIL score, exploring the benefits, eligibility criteria, and top options available.

10 Latest 600 CIBIL Score Loan Apps in India 2025

In 2025, many fintech companies in India will provide personal loans to individuals with CIBIL scores of around 600. Here are the 10 latest 600 CIBIL score loan apps in India 2025: 

App Name	Rating
NoBroker InstaCash	4.9 ⭐
Pocketly	4.1 ⭐
KreditBee	4.6 ⭐
Bajaj Finserv	4.8 ⭐
mPokket	4.6 ⭐
Moneyview	4.8 ⭐
NIRA	4.3 ⭐
CASHe	4.4 ⭐
Kissht	4.6 ⭐
Navi	4.5 ⭐

Best 600 Cibil Score Loan Apps in India - Detailed Info. 

A CIBIL score of 600 in India is considered moderate, making it challenging to secure personal loans. However, some fintech companies offer personal loans to borrowers with low CIBIL scores. Here are the best 600 CIBIL score loan apps in India: 

1. NoBroker InstaCash App (4.9⭐)

NoBroker InstaCash is the best loan app in India. This convenient financial solution offers individuals instant personal loans. With a secure online application process, individuals can instantly apply for loans and receive approvals. This 600 cibil loan app provides flexible repayment options, competitive interest rates, and minimal documentation, making it an attractive option for those needing quick access to credit [1]. 

Information	Details
Loan amount range	₹10 lakhs
Interest rate	12.99% p.a.
Processing fee	2% to 8% of the total loan amount
Eligibility	Between 21-60 years
Disbursal time	Instant
Rating	4.9
Repayment time	60 months

Pros

• Quick disbursal with funds being credited in 45 seconds
• Flexible repayment time, i.e. 60 months
• No collateral

2. Pocketly App (4.1⭐)

Pocketly is one of India’s best instant personal loan apps. With Pocketly, users can apply for loans ranging from ₹5,000 to ₹50,000 and receive approvals within minutes. The app offers a simple, secure online application process, flexible repayment options, and competitive interest rates, making it a great option for those seeking quick, easy access to credit [2].

Information	Details
Loan amount range	₹5000 - ₹50,000
Interest rate	14%-16 p.a.
Processing fee	2.5% of the total loan amount
Eligibility	Indian citizen aged 21-65 years
Disbursal time	Instant
Rating	4.8
Repayment time	2-6 months

Pros

• Flexible EMI options
• Quick loan approval and disbursal

Cons

• Interest rates are high compared to other loan apps
• Late payment penalties

3. KreditBee App (4.6⭐)

KreditBee is a popular digital lending platform that provides instant personal loans to individuals through its user-friendly mobile app. With KreditBee, users can apply for loans ranging from ₹6,000 to ₹10 lakhs and receive approvals within minutes. The app boasts a simple and secure online application process, flexible repayment options, and competitive interest rates [3]. 

Information	Details
Loan amount range	₹6,000 - ₹10,00,000
Interest rate	12% to 28.5% p.a.
Processing fee	5% of the total loan amount
Eligibility	An Indian citizen aged 21-60 years
Disbursal time	10 minutes
Repayment time	6-60 months
Rating	4.6

Pros

• Zero hidden charges
• 100% paperless
• Easy repayment options

Cons

• High interest rates and processing fees
• Not available in all cities
• Strict eligibility criteria

4. Bajaj Finserv App (4.8⭐)

Bajaj Finserv is a top 600 credit score personal loan app that provides instant access to personal loans with a paperless application process. With loan amounts ranging from ₹40,000 to ₹55 lakhs, users can choose a repayment tenure that suits their needs. The app’s quick approval and disbursal process ensures that individuals receive the funds they need promptly, making it a reliable option for those seeking personal loans [4].

Information	Details
Loan amount range	₹40,000 - ₹55,00,000
Interest rate	10% - 31% p.a.
Processing fee	3.93% of the total loan amount
Eligibility	An Indian citizen of 21-80 years of age
Disbursal time	Instant
Repayment time	12-96 months
Rating	4.8

Pros

• Collateral-free loans up to ₹55 lakhs 
• Approval in just 5 minutes
• No hidden charges

Cons

• High processing fees and charges
• High interest rates on personal loans 
• Late payment penalties
• Strict eligibility criteria for larger loans

5. mPokket App (4.6⭐)

mPokket is a digital lending platform that provides instant personal loans to students and young professionals through its mobile app. Individuals can apply for loans up to ₹50,000 and receive approvals quickly, helping them cover unexpected expenses, education fees, or other financial needs [5]. 

Information	Details
Loan amount range	₹500-₹50,000
Interest rate	14% p.a.
Processing fee	₹50 - ₹200 + 18% GST
Eligibility	An Indian citizen with 18+ years
Disbursal time	Instant
Repayment time	6-12 months
Rating	4.6

Pros 

• Paperless process
• Easy repayment and no collateral required
• Quick approval

Cons

• High interest rates 
• Small loan amounts 
• Strict repayment schedule 

6. Moneyview App (4.8⭐)

Moneyview is the best loan app for individuals with a 600 CIBIL score, offering instant personal loans to promote financial flexibility and stability. With Moneyview, users can apply for loans up to ₹10 lakhs and receive approvals within minutes. The app features a simple and secure online application process, making it a reliable option for those seeking personal apps [6]. 

Information	Details
Loan amount range	₹5,000 - ₹10 lakhs
Interest rate	14% p.a.
Processing fee	2.5% of the total loan amount
Eligibility	An Indian citizen of 21-57 years of age
Disbursal time	Instant
Repayment time	3-60 months
Rating	4.8

Pros 

• Quick online process
• Quick approval and disbursal
• Flexible repayment tenure
• Minimal documentation

Cons 

• Not available in all locations
• Late payment penalties
• Strict eligibility criteria for higher loan amounts

7. NIRA App (4.3⭐)

NIRA is a digital lending platform that provides instant personal loans to individuals, focusing on affordability and flexibility. With NIRA, users can access loans ranging from ₹5,000 to ₹1.5 lakh, repayable over 3-24 months. With its user-friendly interface and rapid approval process, NIRA aims to provide stress-free access to credit, empowering users to manage unexpected expenses or achieve their financial goals [7]. 

Information	Details
Loan amount range	₹5,000 - ₹1.5 lakh
Interest rate	24% p.a.
Processing fee	2%-7% of the total loan amount
Eligibility	An Indian citizen of age 21-55
Disbursal time	Disbursal in 24 hours
Repayment time	3-24 months
Rating	4.3

Pros 

• No hidden costs 
• Online loan process
• Loans for low CIBIL score
• Small loan amount for emergencies

Cons 

• High interest rates
• Short repayment tenure
• Late payment penalties
• Strict eligibility criteria

8. CASHe App (4.4⭐)

CASHe is a popular digital lending platform that provides instant personal loans to young professionals and individuals through its user-friendly mobile app. With CASHe, users can apply for loans ranging from ₹45,000 to ₹3 lakhs and receive approvals within minutes. This 600 CIBIL score loan app in India is a viable option for those seeking quick, easy access to credit [8].

Information	Details
Loan amount range	₹45,000 - ₹3 lakhs
Interest rate	2.79% p.m.
Processing fee	2.5% of the total loan amount
Eligibility	An Indian citizen of 21-55 years of age
Disbursal time	Instant
Repayment time	18 months
Rating	4.4

Pros 

• Zero paperwork and flexible EMI options
• Instant loan approval and disbursal
• 100% digital process
• No collateral required

Cons 

• High interest rate
• Short repayment tenure
• Late payment penalties

9. Kissht App (4.6⭐)

Kissht is a digital lending platform that offers instant personal loans to individuals through its mobile app. This loan app for a 600 CIBIL score provides quick access to credit for unexpected expenses, medical emergencies, or other financial needs. With loan amounts ranging up to ₹5 lakhs, Kissht's loan app is designed to cater to diverse financial requirements, offering flexible repayment options and competitive interest rates [9].

Information	Details
Loan amount range	₹5 lakhs
Interest rate	6%-36% p.a.
Processing fee	3-7% of the total loan amount
Eligibility	An Indian citizen of 21-60 years of age
Disbursal time	Instant
Repayment time	24 months
Rating	4.6

Pros 

• Completely online process
• Flexible loan amounts
• 24/7 customer support

Cons

• High interest rates
• Late payment penalties

10. Navi App (4.5⭐)

Navi's loan app offers a range of benefits, including flexible loan tenure, part-payment options, and no prepayment charges. Additionally, the app provides a secure and transparent lending experience, with clear terms and conditions and regular updates on loan status and repayment schedules, ensuring that borrowers are always in control of their finances [10].

Information	Details
Loan amount range	₹20 Lakhs
Interest rate	12.06% p.a.
Processing fee	Nil
Eligibility	An Indian citizen of 18–65 years of age
Disbursal time	Instant
Repayment time	3-84 months
Rating	4.5

Pros 

• 100% paperless process
• Minimal documentation
• Reliable and secure payments 

Cons 

• Strict eligibility criteria
• No customer support helpline
• Late payment penalties

Benefits of 600 CIBIL Score Loan Apps

A 600 CIBIL score is considered a decent credit score, and having it can provide several benefits when applying for loans through loan apps:

• Better Loan Options: A 600 CIBIL score provides access to a wide range of loan options, including personal loans and credit cards.
• Higher Loan Amounts: Loan apps may offer higher loan amounts to individuals with a 600 CIBIL score, providing more financial flexibility.
• Flexible Repayment Terms: A good credit score leads to more flexible repayment terms, including longer loan tenures or part-payment options.
• Faster Approval: Loan apps may offer faster approval times for individuals with a 600 CIBIL score, providing quick access to credit when needed.
• Lower Processing Fees: Some loan apps may charge lower processing fees or offer fee waivers for individuals with a good credit score.
• Improved Credit Limit: A 600 CIBIL score can also lead to an improved credit limit on your credit cards or other credit facilities.

Factors to Consider Before Choosing a Loan App

Here are the considerations before choosing a loan app: 

Eligibility Criteria

• Age: Check the minimum and maximum age requirements.
• Income: Ensure you meet the minimum income criteria.
• Credit Score: Understand the required credit score and its impact on interest rates.

Loan Terms

• Loan Amount: Check the minimum and maximum loan amounts offered.
• Interest Rate: Compare interest rates among different loan apps.
• Repayment Tenure: Ensure the repayment tenure aligns with your financial goals.
• Fees and Charges: Understand all fees, including processing fees, late payment fees, and prepayment charges.

Security and Trust

• Regulatory Compliance: Verify if the loan app is registered with the Reserve Bank of India (RBI) or other relevant regulatory bodies.
• Data Security: Ensure the app uses robust encryption and security measures to protect your personal and financial data.
• Reviews and Ratings: Check the app's ratings and reviews on app stores and online forums.

Customer Support

• Availability: Ensure the loan app offers customer support through multiple channels (e.g., phone, email, chat).
• Response Time: Measure the time to respond to customer queries and concerns.

How to Apply for a 600 CIBIL Score Loan on These Apps?

Here is how to apply for a 600 CIBIL score loan on these apps: 

General Requirements

• Age: 21-65 years
• Income: ₹15,000-₹50,000 per month (varies across apps)
• CIBIL Score: 600+
• KYC Documents: ID proof, address proof, and income proof

Application Process

• Step 1: Download and Install: Download the loan app from the Google Play Store or Apple App Store.
• Step 2: Register: Sign up with your mobile number, email ID, and password.
• Step 3: Fill out the Application Form. Provide personal, professional, and financial details.
• Step 4: Upload Documents: Submit the required KYC documents and proof of income.
• Step 5: Credit Score Check: The app will check your CIBIL score (may require OTP verification).
• Step 6: Loan Offer: Receive a loan offer with terms, interest rate, and repayment tenure.
• Step 7: Accept and Disburse: Accept the loan offer, and the loan amount will be disbursed to your bank account.

Tips to Improve Your CIBIL Score

Maintaining a healthy credit profile is crucial to qualify for a loan with a CIBIL score of 600 or higher. A good score increases your loan approval chances and helps you get better interest rates.

• Pay EMIs and credit card bills on time to build trust with lenders.
• Keep credit utilisation below 30% to maintain a healthy credit ratio.
• Avoid multiple loan applications, as they can reduce your score temporarily.
• Check your credit report regularly. 
• Keep old credit accounts active, since a longer credit history positively impacts your score.

Safety Tips Before Applying for the Loan

Before applying for any loan, check your financial readiness and verify the lender’s credibility to avoid hidden charges.

• Always borrow from verified NBFCs or RBI-approved banks.
• Check terms, processing fees, and prepayment penalties carefully.
• Avoid sharing sensitive data such as OTPs, PAN numbers, or Aadhaar details with unknown sources.
• Use loan comparison tools to find the best deal for your needs.
• Avoid over-borrowing to maintain financial stability.
• Ensure the lender provides transparent communication and customer support.

Explore Loan Options for Low or No CIBIL Score

• Urgent Loan for CIBIL Defaulters
• ₹50,000 Loan Without CIBIL Score
• ₹5,000 Loan Without CIBIL Score
• ₹30,000 Loan Without CIBIL Score
• Low CIBIL Score Loan Apps
• 550 CIBIL Score Loan App
• 700 CIBIL Score Loan App

List of Best Personal Loan App Posts:

Best Loan Apps in India
Instant Loan Apps in India	Best Instant Loan App Without Salary Slip
7 Days Loan Apps List	Best Loan Apps in India
Quick Loan Apps List	15 Days Loan Apps
30 Days Loan Apps List in India	Low CIBIL Score Loan Apps List
RBI Approved Loan Apps in India	Emergency Loan App List
Aadhaar Card Loan App List	NBFC Loan App List
Small Loan App Without Income Proof	Loan App Without PAN Card
Best Personal Loan App List	Small Loan App List
Fastest Instant Loan Apps	600 CIBIL Score Loan App
500 CIBIL Score Loan App	650 CIBIL Score Loan App

Get Instant Loans with NoBroker InstaCash Loan App

A 600 CIBIL score loan app can significantly improve one's chances of securing a loan through various loan apps. For individuals seeking instant loan disbursal, NoBroker InstaCash is a top choice, offering a lightning-fast lending experience. With this app, users can enjoy instant loan disbursal, minimal documentation, competitive interest rates, and flexible repayment terms, making it an ideal solution for those needing quick credit access to tackle financial emergencies or achieve their goals. Download the NoBroker app today!

Frequently Asked Questions