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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.

Check My Eligibility Free →

Lenders That Accept Low CIBIL Score

Sorted by minimum CIBIL score (lowest first)

LenderMin CIBILInterest Rate
KreditBeeNo MinFrom 17% p.a.
Fibe (EarlySalary)No MinFrom 16% p.a.
Home CreditNo MinFrom 19% p.a.
CASHeNo MinFrom 27% p.a.
MoneyView600+From 15.96% p.a.
IIFL Finance600+From 12.75% p.a.
State Bank of India650+From 11.05% p.a.
Navi650+From 9.9% p.a.
Fullerton India650+From 11.99% p.a.

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

How to Improve Your Chances

🎯
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.

💳
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.

📋
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.

👥
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.

🚫
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.

📈
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. Several fintech lenders available on GoCredit have flexible eligibility criteria and approve personal loans with CIBIL scores below 600, assessing your overall profile beyond just CIBIL. NBFCs on GoCredit's platform accept from 600+. Interest rates will be higher (typically 16–30% p.a.), but GoCredit's AI matches you with the lender offering the best terms for your profile.
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+. Several fintech lenders on GoCredit have flexible eligibility criteria and assess your overall financial profile rather than relying on CIBIL alone. Check your eligibility on GoCredit to see which lenders match your score.
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.
← Back to CIBIL Score Guide
India's 1st AI Credit Score Booster

Your Score Can Recover

Every point you gain unlocks cheaper loans. At below 500, you're paying 24-36% interest. At 650, it drops to 12-15%. That's ₹3,000-8,000 saved per year on a ₹3L loan.

50–100
points improvement possible in 3-6 months
3–5%
lower interest rates with every 50-point jump
₹15,000+
saved per year by improving from 600 to 750
🎯See exactly which actions will move your score fastest
🔮Know the real impact on your CIBIL before taking any loan or card
📋Get a personalised step-by-step improvement roadmap
📈Track your score climb month over month
Boost Your CIBIL Score Now →
Every day you wait at a low score costs you money in higher interest rates

Find Loans That Match Your CIBIL Score

GoCredit's AI finds the right lender for your exact CIBIL score — no rejections, no wasted hard enquiries.

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