Low CIBIL Score? 6 Best Loan Apps to Get Approved in 2026
Money emergencies can come without warning, and having a low CIBIL score makes the situation even harder. Banks usually reject loan applications if your credit score is weak. This is why loan apps have become extremely popular in the last few years. The approval is based on your income, bank statement, and basic KYC details. Even if your score is not perfect, these apps may still approve you if they feel you can repay the loan on time.
However, you must choose the right app. Not all loan apps are genuine. Here are some of the best loan apps for low CIBIL scores in India.
What Is a CIBIL Score?
A CIBIL score is a three-digit number that shows how well you handle credit. It usually ranges from 300 to 900. A high score means you repay on time. A low score means you have delayed or missed payments or used too much of your credit limit. When your score is low, most banks hesitate to offer a loan. This is why low CIBIL score loan apps become useful alternatives, as they look at your real-time income behavior instead of only judging your past mistakes.
Best Loan Apps for Low CIBIL Score in India (2025)
LazyPay
LazyPay offers small to medium personal loans with simple eligibility rules. The platform has 6 crore+ eligible users and has successfully credited around Rs 21,574.57 crore. Xpressloan, newly launched by LazyPay, offers credit in just 90 seconds. It also offers personal loans up to Rs. 5 lakh in your bank account with zero physical paperwork and instant approval. You can apply for the loan in three steps: enter your details and check your eligibility, finish your application online, and get Xpresscash instantly. Repayment tenure options range from 3-24 months.
- Loan Amount : up to Rs 5 lakhs - Interest Rate : Typically ranges from around 12% to 36% per annum (depending on your credit profile, loan amount, and tenure). - Tenure Options : 3 to 24 months - Eligibility : You must be an Indian resident with an age range of 22-55 years old and preferably a salaried or self-employed individual with steady income from Tier-I and Tier-II cities. A minimum credit score between 670 and 739 is expected but it’s not necessary. - Other Benefits (time taken by bank to transfer the loan amount) : Instant credit if paid directly through app. Other credits take up to 24 hours (depending on your credit profile, loan amount).
NoBroker InstaCash
InstaCash by NoBroker is known for quick disbursal and simple checks. It offers up to ₹10 Lakh instantly in your bank account. It has the feature of hassle-free, auto-repayment with an interest rate starting from 12.99% p.a. based on the amount and time period. The disbursal time is generally 24 hours.
- Loan Amount : up to Rs. 10 lakhs - Interest Rate : 12.99% – 29.99% p.a. - Tenure Options : 3 months to 60 months (5 Years) - Eligibility : You must be an Indian citizen, salaried people with stable income between 21 and 60 years old - Other Benefits (time taken by bank to transfer the loan amount) : Up to 24 hours
KreditBee
KreditBee is popular for facilitating personal loans and small cash loans. The app has 61 lakh active users and has distributed over Rs ₹62,000 Crores total credits. You can apply for a personal loan starting from ₹6,000 to Rs 10 lakh depending on your requirements. Not only personal loans, they also offer business loans, two-wheeler loans, and loans against property. The disbursal time is generally 10 minutes. People with no credit history or low credit score can also apply for loans here. It has a relatively lower interest rate with easy tenure options.
- Loan Amount : Starting from ₹6,000 to ₹10 Lakhs - Interest Rate : 12%-28.5% p.a. - Tenure Options : 6 to 60 months - Eligibility : Salaried workers and self-employed individuals - Other Benefits (time taken by bank to transfer the loan amount) : 10 minutes
MoneyTap
MoneyTap offers a 24/7 personal credit line. You can borrow only what you need and pay interest on that amount. You can avail loan up to Rs 5 lakh for a maximum tenure of 3 to 36 months with a monthly interest around 1% to 3%. The processing fee is 2% + GST. You can apply for the loan in simple three steps by downloading the app, completing the KYC, and receiving the money instantly.
- Loan Amount : up to Rs. 5 lakhs - Interest Rate : Starting from 12%-36% p.a. - Tenure Options : 3 to 36 months - Eligibility : A self-employed or salaried individual with a min. Income of Rs.20,000. Must be an Indian resident of at least 23 years old. The app claims to have no impact on CIBIL.
Bajaj Finserv App
Bajaj has been a well-known and trusted lender since 2017. One of the highly trusted platforms for loans and insurance services. It provides salary-based loans for a self-employed or salaried person up to Rs 55 lakh at a reasonable interest rate starting at 10%-31% p.a. Processing fee is up to 3.93% of the loan amount. Flexi facility charge around Rs 1,999 to 12,999 will be deducted from the loan amount. Penal charge is up to 36% p.a. per installment.
- Loan Amount : up to Rs 55 lakhs - Interest Rate : Starting from 10%-31% p.a. - Tenure Options : 12 to 96 months - Eligibility : The applicant must be a salaried or self-employed Indian citizen with an age limit of 21-80 years. A CIBIL score of 650 or higher is preferred. - Other Benefits (time taken by bank to transfer the loan amount) : 24 hours
mPokket
mPokket is a small-ticket loan app with 50M+ users. It is useful for beginners, students, and young earners that offers loans up to Rs 50,000 in 7-10 minutes with a flexible repayment. All you need to do is to follow a few simple steps: register your mobile number, provide bank account details, select the loan amount and tenure, and get the loan within a few minutes.
- Loan Amount : up to Rs 50,000 - Interest Rate : 15% - 36% p.a. - Tenure Options : 1 to 12 months - Eligibility : Indian citizens aged 18-55 years with a stable income source - Other Benefits (time taken by bank to transfer the loan amount) : 7-10 minutes
