Meta Description: Agar aapka CIBIL score low hai aur banks loan nahi de rahe to ye article padho. Low CIBIL par loan dene wale instant loan apps aur websites ki list, eligibility, docs, interest, real examples aur tips cover kiye gaye hai.
Introduction
Yaar honestly, bahut log bank se loan nahi le paate kyunki unka CIBIL score weak hota hai. Score 650 nichhe ho to bank turant mana bol deta hai. Par ab digital world me low CIBIL par loan milna impossible nahi raha. Kaafi apps aur websites aise hai jo alternative ways se aapko loan dila dete hai, bas thoda patience aur understanding chahiye hota hai.
Is article me main detail me bataunga ki kaun kaun se platforms hai jo low CIBIL score holders ko loan provide karte hai, unkaise interest rates, kya eligibility chahiye, kya docs lagte hai, aur thoda sa example bhi dunga ki real log kaise use kar rahe hai. Clear samajh lo, bina kisi polish wali AI tone ke, bilkul normal real life style.
Low CIBIL Par Loan Apps Aur Websites – Overview
Aaj jab banks logon ko CIBIL score ke basis par reject karte hai, to kuch Loan apps aur NBFC partners milte hai jo alternative credit models ko use karte hai. Matlab salary pattern, bank statement, digital behaviour dekh ke loan approve karte hai — CIBIL ko primary condition nahi bana dete. Kuch niche jitne platforms list kiye hai, ye frequently users ke beech mention hue hai and known hai ke low score me bhi consider karte hai:
- Vizzve Financial
- KreditBee
- MoneyTap
- StashFin
- Navi
- CASHe
- mPokket
- LazyPay
- MoneyView
- Freo Money
- PaySense
- NIRA
- HomeCredit
- NoBroker Instacash
Ye list koi official RBI list nahi hai, par latest digital finance sources me ye baar bar mention ho rahe hai aur loan offer kiye ja rahe hai low CIBIL score users ko bhi.
Eligibility – Kaun Apply Kar Sakta Hai?
Ye baat yaad rakhna ki low CIBIL ka matlab ye nahi ki koi loan nahi dega. Lekin eligibility har platform me thoda alag hota hai. General pattern niche likha hai:
- Age: 21 se 60 years ke beech
- Indian citizen hona chahiye
- Active bank account with regular salary / income
- Aadhaar + PAN for KYC
- Mobile number, email
- Bank statement last 6 months
Kuch apps CIBIL ko check to karte hai lekin agar aapki salary pattern strong hai ya bank transactions regular hai to wo low score ko ignore bhi kar sakte hai. Example ke liye CASHe aur mPokket apna alternate score system use karte hai.
Required Documents – Fast Loan Ke Liye
Dhyan rahe, loan lene ke liye basic documentation chahiye hota hai. Bank se alag, ye digital apps usually ye documents maangte hai:
| Document | Use / Reason |
|---|---|
| Aadhaar Card | Identity aur address proof |
| PAN Card | TAX identity, credit check |
| Bank statement (6 months) | Salary / fund flow check |
| Salary slip / ITR | Income confirmation |
| Mobile number + Email | KYC, contact |
| Video KYC | Digital identity verify |
Kuch apps jaise mPokket ya LazyPay chhota loan bina salary slip ke bhi dete hai agar bank transactions strong ho.
Personal Loan Apps – Detailed List
1. Vizzve Financial
Ye ek relatively naya app hai par specifically low CIBIL score ko target karta hai. Alternate data points use karke loan approve karta hai, matlab CIBIL bas ek factor hai — salary flow, PAN, Aadhaar aur bank behaviour dekh ke fast processing. Loan range generally ₹10,000 – ₹5,00,000 tak milta hai, aur approval minutes me aata hai.
Real baat ye hai ki agar aapka past weak credit history hai par aaj income stable hai to chances hai ki Vizzve aapko consider karega.
2. KreditBee
KreditBee instant personal loan ke liye popular app hai. Sabse achhi baat ye ki wo salary aur transaction behaviour ko zyada weightage dete hai aur strict CIBIL cut off nahi rakhte. Salary ya business walk in case dono consider hote hai. Loan ₹1,000 – ₹3,00,000 tak mil sakta hai.
Main real life example me suna hai logon ne bata hai ke unka score 600 se niche tha fir bhi KreditBee ne sikke wale docs se loan approve kar diya tha, bas regular salary proof zaruri tha.
3. MoneyTap
MoneyTap ek credit line type app hai jahan aap jo chahiye utna borrow kar sakte ho. Ye bhi sometimes strict CIBIL score nahi mangta balki bank statement aur regular salary dekh ke decide karta hai. Loan upto ₹5,00,000 tak ho sakta hai, and repayment flexible hota hai.
Bahut log isko credit card alike consider karte hai kyunki interest tabhi lage jab use karein. Lekin careful rehna chahiye, high utilisations se credit score aur hurt ho sakta hai.
4. StashFin
StashFin personal loan app also known for minimal credit checks. Salary aur bank behaviour dekh ke approval hota hai. Loan ranges high, upto ₹10 lakh possible bhi hai, but interest rate us hisab se thoda zyada bhi ho sakta hai.
Yaha bhi low CIBIL score wale ko chance milta hai agar other factors strong hai.
5. NAVI
NAVI app full digital process ke saath kaam karta hai, aur CIBIL check ke sath sath alternate credit models dekhte hai. Usually salary aur bank statement strong honge to fair chance hota hai. Loan upto ₹20 lakh tak mil sakta hai lekin approval stricter profile pe hota hai.
6. CASHe
CASHe ek unique app hai jo proprietary scoring system use karta hai jise Social Loan Quotient (SLQ) bolte hai. Isme CIBIL bas ek factor hai, aur bank data, transaction behaviour aur other trends dekh ke loan approve karte hai. This is useful for salaried people with low CIBIL.
Loan amount ₹7,000 – ₹3,00,000 tak ho sakta hai, disbursement fast hota hai aur repayment short tenure me flexible rehta hai.
7. mPokket
mPokket beginners, students aur low score holders ke liye friendly loan app hai. Loan range chota hota hai (₹500 – ₹30,000), lekin approval aasaan hota hai aur docs simple hote hai.
Ye loan small emergency cash ke liye useful hota hai, aur repayment bhi short term me hota hai to burden kam rehta hai.
8. LazyPay
LazyPay BNPL (Buy Now Pay Later) aur small personal loan options deta hai jise log bhi use karte hai. CIBIL check toh hota hai par strict cutoff nahi rakhta, income aur repayment pattern ko dekhte hai. Loan upto ₹5 lakh tak milta hai.
9. MoneyView
MoneyView personal loan platform customized credit offers deta hai aur transaction/behavior data ke basis par low-score users ko bhi loan provide karta hai. Loan upto ₹10 lakh tak milta hai.
10. Freo Money
Freo Money personal loan app flexible repayment aur low credit score par apply option deta hai. Loan ₹3,000 – ₹5 lakh tak milta hai aur approval relatively fast hota hai. :contentReference[oaicite:12]{index=12}
11. PaySense
PaySense bhi popular app hai jo CIBIL ke sath sath alternate data dekh ke decision deta hai. Loan ₹5,000 – ₹5 lakh tak milta hai, repayment tenure 3–60 months tak available hai.
12. NIRA
NIRA loan app primarily salaried employees ko target karta hai, lekin low/weak CIBIL score par bhi short term loans offer karta hai. Loan ₹5,000 – ₹1 lakh aur repayment flexible rehta hai.
13. HomeCredit
HomeCredit consumer loan app hai jo low credit profile users ko bhi consider karta hai, aur different product loans provide karta hai like appliance loans, mobile loans etc.
14. NoBroker Instacash
NoBroker Instacash ek interesting option hai jo rental/household related finance aur personal loan options deta hai, aur low CIBIL profiles ko bhi consider karta hai.
Interest Rates Aur Charges – Samajhna Zaruri Hai
Yeh apps generally NBFC based hoti hai aur interest rates bank se zyada hote hai — kyunki risk high hai aur CIBIL low hai.
| App | Interest Rate Approx | Loan Range |
|---|---|---|
| Vizzve Financial | 18% – 36% p.a. | ₹10,000 – ₹5,00,000 |
| KreditBee | 18% – 36% p.a. | ₹1,000 – ₹3,00,000 |
| MoneyTap | 13% – 24% p.a. | ₹3,000 – ₹5,00,000 |
| StashFin | 16% – 36% p.a. | ₹1,000 – ₹10,00,000 |
| CASHe | 15% – 30% p.a. | ₹7,000 – ₹3,00,000 |
| mPokket | Monthly % based | ₹500 – ₹30,000 |
| LazyPay | 15% – 30% p.a. | ₹3,000 – ₹5,00,000 |
| MoneyView | 16% – 39% p.a. | ₹5,000 – ₹10,00,000 |
| Freo Money | 12% – 36% p.a. | ₹3,000 – ₹5,00,000 |
| PaySense | 14% – 36% p.a. | ₹5,000 – ₹5,00,000 |
| NIRA | 24% – 36% p.a. | ₹5,000 – ₹1,00,000 |
| HomeCredit | Varies | Varies |
| NoBroker Instacash | Depends on offer | Varies |
How Approval Works – Real Practical Baatein
Low CIBIL par bhi loan tab milta hai jab lender aapke alternate financial behaviour ko dekhte hai:
- Regular salary credit
- Bank account transactions (in / out)
- Age aur stability
- Work sector
- Past loan repayment pattern (agar koi repay history hai)
Example: Ek friend ka CIBIL 620 tha, banks ne mana kiya, par mPokket ne bank statement aur salary pattern dekh ke ₹15,000 loan same day de diya. Isme sirf PAN, Aadhaar aur bank statement chahiye tha — CIBIL score strictly nahi pucha gaya.
Precautions Aur Warnings – Bina Soch Samjhe Nahi!
Ye important hai, ki sab apps safe nahi hote. Kuch fake apps bhi PlayStore / internet par mil jayenge jo bina kisi license ke loan promise karte hai. Unse bachna zaruri hai:
- Advance processing fee lene wale apps se dur raho
- Permission requests note karo (contacts/photos unnecessary na ho)
- PlayStore rating aur reviews check karo
- Official KYC and RBI regulations ka dhyan rakho
Agar koi app se paise lene ke baad spam calls aa rahe hai ya data misuse ho raha hai, to immediately complaint file karo RBI ombudsman ya consumer helpline par. Scams bhi bahut hai aise world me.
Related Topics (SEO Interlinking)
- Step-by-Step YouTube Monetization Guide
- CIBIL Score Kaise Improve Karein
- Best Personal Loan Apps 2026
- RBI Loan Guidelines 2026
Conclusion
Low CIBIL score ka matlab ye nahi ki aapko loan ka access nahi mil sakta. Digital loan apps aur alternate credit models ne ye path easy kar diya hai. Bas samajh ke, docs sahi se ready rakh ke aur apne repayments time par karke, aap short term urgent money ko manage kar sakte ho. Lekin hamesha safe aur trustworthy platforms ko hi choose karo. Loan lene se pehle terms & conditions dhang se padho.