Low CIBIL Approved

Personal Loan with Low CIBIL Score

A low CIBIL score doesn't mean no loan. 9+ lenders on GoCredit approve personal loans for borrowers with CIBIL scores of 600 or lower — including no-minimum options.

Compare lenders, check eligibility without hurting your score, and apply only where you're likely to be approved.

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Lenders That Accept Low CIBIL Score

Sorted by minimum CIBIL score (lowest first)

Lender	Min CIBIL	Interest Rate	Type
KreditBee	No Min	From 17% p.a.	Fintech
Fibe (EarlySalary)	No Min	From 16% p.a.	Fintech
Home Credit	No Min	From 19% p.a.	NBFC
CASHe	No Min	From 27% p.a.	Fintech
MoneyView	600+	From 15.96% p.a.	Fintech
IIFL Finance	600+	From 12.75% p.a.	NBFC
State Bank of India	650+	From 11.05% p.a.	Bank
Navi	650+	From 9.9% p.a.	Fintech
Fullerton India	650+	From 11.99% p.a.	NBFC

Rates are indicative and subject to lender approval. GoCredit matches you to the best available offer for your profile.

How to Improve Your Chances

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Use GoCredit's AI matching

Our AI identifies the lenders most likely to approve you based on your specific profile — before you apply, so no hard enquiry wasted.

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Reduce credit card utilisation

If you use more than 30% of your credit limit, paying it down can improve your score in as little as 30 days.

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Apply for a smaller amount first

Lenders are more likely to approve smaller loan amounts for low CIBIL borrowers. Build trust, repay on time, then upgrade.

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Add a co-applicant

Adding a family member with a good CIBIL score as co-applicant dramatically improves approval odds and can lower your interest rate.

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Don't apply to multiple lenders

Each application is a hard enquiry that lowers your score further. Use GoCredit to identify one right lender and apply once.

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Pay existing EMIs on time

Your payment history is 35% of your CIBIL score. Even one missed payment can drop it 50–100 points. Set up auto-debit.

Frequently Asked Questions

Can I get a personal loan with a CIBIL score of 600?

Yes. Fintech lenders like KreditBee, Fibe (EarlySalary), CASHe, and Home Credit approve personal loans with CIBIL scores below 600 — some with no minimum. NBFCs like MoneyView and IIFL Finance accept from 600. Interest rates will be higher, typically 16–30% per annum.

What is the minimum CIBIL score for a personal loan?

There is no universal minimum. Banks like HDFC, ICICI, and Axis typically require 700+. NBFCs like Bajaj Finserv, Fullerton, and Navi accept 650+. Fintechs like KreditBee, Fibe, and CASHe have no stated minimum CIBIL requirement.

How can I improve my chances of getting a loan with low CIBIL?

Apply through GoCredit — our AI matches you to lenders most likely to approve your specific profile, avoiding unnecessary hard enquiries that further hurt your score. Also consider adding a co-applicant with good credit, or applying for a smaller amount first.

Will applying for a loan hurt my CIBIL score further?

Each loan application triggers a "hard enquiry" which can reduce your score by 5–10 points. GoCredit's eligibility check is a soft enquiry — it shows you likely matches before you apply, so you only apply where you're likely to be approved.

What interest rate will I get with a low CIBIL score?

Expect 16–30% per annum with a low CIBIL score, compared to 10.5–14% for high CIBIL borrowers. The key is to borrow only what you need, repay on time, and refinance at a lower rate once your score improves in 6–12 months.

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