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

The low CIBIL score loan apps list for 2025 features trusted apps such as NoBroker Instacash, MoneyTap, CASHe, Kreditbee, EarlySalary, and Nira, which offer loans to users with credit scores between 300 and 650. These platforms prioritise income stability and repayment potential for quick approvals. Such instant loan apps for low CIBIL score services help manage emergencies, pay bills, or consolidate debt effortlessly. With transparent rates, minimal documentation, and flexible repayment options, they promote financial access and help users gradually rebuild their credit profiles. 

List of Top Latest Low CIBIL Score Loan Apps for 2025

Finding quick financial help is easier than ever with low-credit-score loan apps in 2025. These apps offer instant personal loans with simple documentation, fast approval and flexible repayment options, even with poor credit. 

Name of Loan Apps	Ratings [1]
NoBroker Instacash	4.9 (⭐)
CASHe	4.4 (⭐)
KreditBee	4.6 (⭐)
PaySense	3.0 (⭐)
EarlySalary (known as Fibe)	4.5 (⭐)
MoneyTap	3.9 (⭐)
NIRA	4.3 (⭐)
LazyPay	4.4 (⭐)
HomeCredit	4.5 (⭐)
Fullerton India	4.3 (⭐)
IndiaLends	4.2 (⭐)
LoanTap	3.0 (⭐)
SmartCoin	4.6 (⭐)
StashFin	4.3 (⭐)
Dhani	3.3 (⭐)
Bajaj Finserv	4.8 (⭐)
mPokket	4.6 (⭐)
MoneyView	4.8 (⭐)
Kreditzy	2.0 (⭐)
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 4.9 (⭐)

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. [2]

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

Pros: 

• Instant disbursal within minutes
• Simple online process with minimal documents
• Suitable for students and working professionals

Cons:

• Available only in select cities
• High interest rate
• Strict penalty for late payments

2. CASHe 4.4 (⭐)

Designed for salaried workers, CASHe provides quick approval and disbursal of short-term loans and is one of the best loan apps for low CIBIL score. CASHe is the greatest credit line and personal loan app in India, and it works on many different platforms.For millions of working millennials who are underserved and unserved, he is opening up economic potential, development, and financial benefits.[3]

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

Pros:

• Instant approval & same-day disbursal
• Suitable for salaried professionals
• Offer cashback and referral rewards

Cons:

• Higher interest rate
• Short repayment tenure
• Require stable income proof

3. KreditBee 4.6 (⭐)

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. [4]

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

Pros:

• 10-minute disbursal
• 100% online process & KYC verification
• Direct bank transfer

Cons:

• High processing fee
• Frequent app updates required
• Limited customer service

4. PaySense 3.0 (⭐)

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 [5]

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

Pros: 

• Instant personal loan of up to ₹5 lakh
• Affordable EMI plans available
• Quick approvals and disbursals

Cons:

• High interest for low credit score
• Processing charge applied
• Limited to salaried users

5. EarlySalary (Known as Fibe) 4.5 (⭐)

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 a ₹30000 loan urgently. [6]

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

Pros:

• Instant approval within 2 minutes
• 0 foreclosure charges
• Easy EMIs option available

Cons:

• Only for salaried professionals
• Higher late payment charges
• Small loan limits for beginners

6. MoneyTap 3.9 (⭐)

With a personal credit line provided by MoneyTap, individuals can borrow only what they need and pay interest on the amount used. 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. [7]

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

Pros:

• Flexible credit line for repeated users
• Quick disbursal
• Builds credit score gradually

Cons:

• Not suitable for self-employed users
• Charges on inactive accounts
• Moderate processing time for the first loan

7. NIRA 4.3 (⭐)

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 an Urgent 50000 Loan in no time using the app. [8]

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

Pros:

• Fast disbursal and loans approved within 24 hours
• Interest rates as low as 2% per month
• Loan available for low CIBIL users

Cons:

• Limited app support hours
• Lower loan limits initially
• High processing fees

8. LazyPay 4.4 (⭐)

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. [9]

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

Pros:

• Instant BNPL and personal loan option
• Zero physical paperwork
• Easy repayment via the app

Cons:

• High penalties for missed payments
• Small loan amount for new users
• Not ideal for long-term loans

9. HomeCredit 4.5 (⭐)

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-Day Loan Apps List that offers cash loans and low-interest products! [10]

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

Pros:

• Minimal documentation needed
• Loans for both salaried and self-employed
• EMI flexibility

Cons:

• Longer approval time
• High interest for small loans
• Requires detailed verification

10. Fullerton India 4.3 (⭐)

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. [11]

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

Pros:

• Large loan amount availability
• Reliable NBFC brand
• Builds credit history with regular EMIs

Cons:

• Higher eligibility criteria
• Longer processing time
• Heavy penalty for delay

11. IndiaLends 4.2 (⭐)

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. [12]

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

Pros:

• Flexible repayment options
• Short-term personal loan available
• Quick online applications

Cons:

• Approval depends on the lender’s policy
• Charges differ among partners
• Limited instant disbursal options

12. LoanTap 3.0 (⭐)

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. [13]

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

Pros:

• Quick approval and disbursal
• No hidden charges
• Minimal documentation

Cons:

• Interest depends on the employer category
• Service available in limited cities
• Not for self-employed applicants

13. SmartCoin 4.6 (⭐)

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. [14]

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

Pros:

• Suitable for small instant loans
• Simple KYC process
• Improves credit with timely payments

Cons:

• High interest for short-term loans
• Limited loan amount range
• Frequent app verification is required

14. StashFin 4.3 (⭐)

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 an 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 [15]

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

Pros:

• Quick approval and low documentation
• Up to 30 days interest-free period
• Builds repayment history

Cons:

• High interest for new users
• Processing charge applicable
• Customer support delays at times

15. Dhani 3.3 (⭐)

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. [16]

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

Pros:

• Instant loan approval via the app
• Rewards and cashback on Dhani services
• Easy repayment via wallet or UPI

Cons:

• High interest rates
• Limited loan amount for first-time borrowers
• Customer service response delay

16. Bajaj Finserv 4.8 (⭐)

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. [17]

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

Pros:

• Trusted NBFC with a wide reach
• Large loan limits
• Improve credit records with timely EMIs

Cons:

• Strict eligibility check
• Penalty for late payments
• Longer documentation process

17. mPokket 4.6 (⭐)

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 to consumers fresh to credit, especially. The 30-Day Loan App can be directly deposited into bank accounts or digital wallets; repayment conditions are negotiable. [18]

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

Pros:

• Ideal for students and new professionals
• Instant small ticket loans
• Quick transfer to bank or wallet

Cons:

• Short tenure (up to 3 months)
• High processing charge
• Small loan limit initially

18. MoneyView 4.8 (⭐)

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. [19]

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

Pros:

• Quick approval with just three documents
• AI-based credit evaluation
• Helps build credit history

Cons:

• Interest varies by risk profile
• Not for very low-income applicants
• Processing time for a higher loan amount

19. Kreditzy 2.0 (⭐)

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. [20]

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

Pros:

• Simple mobile app for instant loans
• Quick disbursal with minimal steps
• Available for low CIBIL users

Cons:

• Small loan limits
• High late payment fees
• App glitches sometimes

20. Loan Bazaar 4.2 (⭐)

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.  [21]

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

Pros:

• Compares offers from multiple lenders
• Helps find suitable loan plans
• User-friendly interface

Cons:

• Loan depends on partner approval
• Slightly slower processing
• Limited direct disbursal options

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-credit 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.

Documents Required For Low CIBIL Score Loan Apps

When applying through a low CIBIL loan app, having the right documents ensures quick approvals. These apps need basic identity, income and bank details to verify eligibility and process instant loans. Below is the list of documents required:

• Proof of Identity: Aadhaar Card, PAN Card or voter ID.
• Proof of Address: Utility bill, rent agreement or driving license.
•  Income proof: Salary slips, bank statements or ITR for self-employment.
• Photograph: Recent passport-size photo for verification.
• Bank Details: Active account for loan disbursement.

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 ensure reliability and transparency.
• 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, EMIs 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.

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
• 600 CIBIL Score Loan App
• 500 CIBIL Score Loan App
• 650 CIBIL Score Loan App
• 550 CIBIL Score Loan App
• 700 CIBIL Score Loan App

Tips to Improve Your CIBIL Score

Improving your CIBIL score helps you qualify for better loans, even from an instant loan app with low CIBIL. Follow these easy steps to boost your credit score quickly.

• Pay EMIs and bills on time: Timely payments build trust with lenders and steadily improve your CIBIL score over months.
• Reduce outstanding debts: Keep your credit card usage below 30% of the limit and clear the pending balances regularly.
• Check credit reports regularly: Monitor errors or mismatches in your report and have them corrected immediately to maintain a healthy score.

What you should know?

Before applying, always verify the lender’s credibility and terms. Many RBI-approved loan apps without a CIBIL score provide safe, instant loans with transparent interest rates. Check eligibility, repayment period, and hidden charges carefully. Timely repayments can improve your credit score, helping you qualify for larger loans and better interest rates in the future.

How Can NoBroker Help?

NoBroker helps users find a trusted online loan app for low CIBIL score options with transparent terms and verified lenders. It guides borrowers in comparing interest rates, eligibility, and repayment flexibility. With expert support and secure digital processing, NoBroker ensures a smooth loan experience, helping users access quick funds and improve their financial credibility over time.

Frequently Asked Questions