Loans for Lower CIBIL

Personal loans ranked by real approval odds for a fair-CIBIL applicant — not just headline rate — using the same engine behind Find My Loan.

The Top 10

Methodology

Ranked by approval odds, not by rate

A low rate you can't actually get approved for is worse than useless — it costs you a hard credit inquiry for nothing. This list is scored for a representative applicant with a fair CIBIL band (640–699), ranking by real approval probability first and rate second, and drops any lender scored "unlikely" entirely.

A "+" after a rate means that lender only discloses a floor rate with no published ceiling — your actual rate could land higher depending on your specific profile.

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Loans for a low CIBIL score in India

A CIBIL score below roughly 650 makes approval harder and raises the interest rate, but some lenders, mostly non-bank finance companies, do lend to applicants with a weaker credit history, often at a higher cost or with a guarantor or collateral.

This list shows loans where a low score is not an automatic rejection. Compare the interest rate, processing fee and tenure carefully, since a high-cost loan can deepen the problem it was meant to solve, and avoid applying to many lenders at once because each hard enquiry can lower your score.

The ranked list, in plain text

  1. Bajaj Finance Personal Loan: approval outlook: excellent · estimated rate 10%. A highly flexible personal loan offering unique withdrawal features and interest-only EMI options.
  2. L&T Finance Personal Loan: approval outlook: excellent · estimated rate 10.5%. A widely accessible digital NBFC loan offering flexible part-prepayment options and terms accommodating both salaried and self-employed applicants.
  3. PaySense Personal Loan: approval outlook: excellent · estimated rate 14%. A highly convenient and transparent digital loan platform connecting borrowers to leading NBFCs and banks for funds up to ₹5 Lakhs.
  4. mPokket Instant Personal Loan: approval outlook: excellent · estimated rate 19%. A highly flexible micro-loan app designed to bridge short-term cash gaps for low-income professionals and the self-employed.
  5. Navi Personal Loan: approval outlook: excellent · estimated rate 9.9%. An ultra-fast, fee-free digital personal loan catering to young urban borrowers comfortable with an app-only experience.
  6. Fibe Instant Personal Loan (Fibe (formerly EarlySalary)): approval outlook: excellent · estimated rate 18%. An ultra-fast, zero-foreclosure digital loan designed for young salaried professionals, welcoming new-to-credit applicants.
  7. Moneyview Personal Loan: approval outlook: excellent · estimated rate 14%. A fully digital, quick-disbursal personal loan offering tailored solutions for both salaried and self-employed applicants with a CIBIL score above 650.
  8. SBI Personal Loan (State Bank of India): approval outlook: excellent · estimated rate 10%. Affordable personal loans from India's largest bank with no guarantor requirements.
  9. Everyday Personal Loan (CASHe): approval outlook: excellent · estimated rate 27%. A high-speed, alternative-credit-scored personal loan exclusively for salaried individuals offering rapid access to short-term funds.
  10. Home Credit Personal Loan: approval outlook: excellent · estimated rate 19.2%. An inclusive NBFC personal loan providing high accessibility for lower-income applicants and offering completely fee-free foreclosure.

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