Best Online Loan Apps for Low CIBIL Score in 2025
Introduction
Getting a loan with a low CIBIL score has always been difficult, especially when applying through banks and NBFCs that rely heavily on credit history. But in 2025, the rise of instant loan apps in India has made it possible for individuals with bad credit scores or no CIBIL history to get quick approvals.
These loan apps for low CIBIL don’t just depend on your credit report. Instead, they assess your income, employment stability, UPI transactions, and repayment capacity, making them more accessible. Whether you need money for emergencies, education, or bills, these apps provide instant loans without heavy documentation.
In this article, we list the best online loan apps for low CIBIL score in 2025, their features, interest rates, and eligibility to help you choose wisely.
Why Choose Loan Apps for Low CIBIL Score?
- ✅ Instant approval – Get loans approved within minutes.
- ✅ Quick disbursal – Money credited to your bank in 24–48 hours.
- ✅ Minimal documentation – PAN, Aadhaar, and salary proof are usually enough.
- ✅ No strict CIBIL requirement – Apps use alternative scoring models.
- ✅ Credit score improvement – Timely repayments can rebuild your credit.
Best Loan Apps for Low CIBIL Score in India (2025)
1. KreditBee – Best for Quick Approval
- Loan Amount: ₹1,000 – ₹3,00,000
- Tenure: 3 – 24 months
- Interest Rate: 15% – 29.95% p.a.
- Why Choose: KreditBee is one of the most popular instant personal loan apps without CIBIL check. It is ideal for salaried and self-employed individuals needing fast cash.
2. MoneyTap – Best Credit Line for Low CIBIL
- Loan Amount: ₹3,000 – ₹5,00,000
- Tenure: 2 – 36 months
- Interest Rate: Starting at 13% p.a.
- Why Choose: MoneyTap offers a flexible credit line where you pay interest only on the amount you use. Perfect for people with a bad credit score who want revolving credit access.
3. PaySense – Best for Longer Tenure
- Loan Amount: ₹5,000 – ₹5,00,000
- Tenure: 3 – 60 months
- Interest Rate: 16% – 36% p.a.
- Why Choose: PaySense provides personal loans without CIBIL with longer repayment options, making EMIs affordable.
4. Nira Finance – Best for Small Short-Term Loans
- Loan Amount: ₹5,000 – ₹1,00,000
- Tenure: Up to 12 months
- Interest Rate: 18% – 36% p.a.
- Why Choose: Great for salaried professionals with a low score who need small-ticket personal loans instantly.
5. CASHe – Best for Non-CIBIL Borrowers
- Loan Amount: ₹7,000 – ₹4,00,000
- Tenure: 3 – 18 months
- Interest Rate: 25% – 35% p.a.
- Why Choose: CASHe uses its Social Loan Quotient (SLQ) instead of just CIBIL score, making it one of the best loan apps for bad credit in India.
6. mPokket – Best for Students & Freshers
- Loan Amount: ₹500 – ₹30,000
- Tenure: Up to 4 months
- Interest Rate: 24% – 48% p.a.
- Why Choose: A student-friendly loan app offering instant microloans for education, bills, and small emergencies.
7. Slice – Best Loan App with Card Facility
- Loan Amount: ₹2,000 – ₹10,00,000
- Tenure: Up to 24 months
- Interest Rate: 12% – 24% p.a.
- Why Choose: Slice provides a credit line and card with flexible EMIs, even for people with low or no CIBIL score.
Comparison Table: Instant Loan Apps for Low CIBIL 2025
| Loan App | Loan Amount Range | Interest Rate (p.a.) | Tenure | Best For |
|---|---|---|---|---|
| KreditBee | ₹1,000 – ₹3,00,000 | 15% – 29.95% | 3 – 24 months | Quick low-CIBIL loans |
| MoneyTap | ₹3,000 – ₹5,00,000 | From 13% | 2 – 36 months | Credit line flexibility |
| PaySense | ₹5,000 – ₹5,00,000 | 16% – 36% | 3 – 60 months | Long-term loans |
| Nira | ₹5,000 – ₹1,00,000 | 18% – 36% | Up to 12 months | Short-term needs |
| CASHe | ₹7,000 – ₹4,00,000 | 25% – 35% | 3 – 18 months | Non-CIBIL borrowers |
| mPokket | ₹500 – ₹30,000 | 24% – 48% | Up to 4 months | Students & freshers |
| Slice | ₹2,000 – ₹10,00,000 | 12% – 24% | Up to 24 months | Credit card + EMI loans |
Tips Before Applying for Online Loans with Low CIBIL
- Check Interest & Fees – Apps for low CIBIL often charge higher interest. Compare before applying.
- Borrow Only What You Need – Avoid large amounts that may strain repayment.
- Repay on Time – Helps you improve your CIBIL score.
- Choose RBI-Registered Lenders – Ensure safety and data privacy.
Conclusion
If you have a low CIBIL score in 2025, you don’t need to worry—many instant loan apps in India like KreditBee, MoneyTap, PaySense, and CASHe are providing quick personal loans without strict credit checks. These apps offer flexibility, minimal paperwork, and faster approval compared to traditional banks.
However, since these loans come at higher interest rates, borrow responsibly and repay on time. Not only will this help you meet your urgent financial needs, but it will also improve your CIBIL score for future loans.
👉 For anyone searching for the best loan app for bad credit in India, these platforms are the most reliable choices in 2025.
FAQs: Best Loan Apps for Low CIBIL Score in 2025
1. Which loan app gives money without CIBIL check?
Apps like KreditBee, CASHe, and mPokket provide loans without strict CIBIL checks. They use alternative scoring models like income and transaction history.
2. Can I get a loan with a 500 CIBIL score?
Yes. While banks may reject, apps like PaySense, Nira, and MoneyTap often approve loans even with a 500–600 CIBIL score, provided you meet income criteria.
3. What is the best loan app for bad credit in India?
For 2025, CASHe (with SLQ scoring) and KreditBee are considered the best loan apps for bad credit scores in India.
4. Do these apps help improve CIBIL score?
Yes. If you take a loan from these apps and repay EMIs on time, your repayment history gets reported to credit bureaus, improving your CIBIL score.
5. Are these loan apps safe to use?
Always choose RBI-registered NBFC loan apps like KreditBee, MoneyTap, and PaySense. Avoid unregistered apps as they may misuse personal data.
6. Can students get loans without CIBIL score?
Yes. Apps like mPokket and Slice cater specifically to students and first-time borrowers with no credit history.