Personal Loan with Low CIBIL Score — EMI Calculator

A low CIBIL score doesn't have to stop you. GoCredit's AI matching finds lenders who work with CIBIL scores as low as 550 — or even no CIBIL at all.

Loan Amount

₹

₹5,000₹5,00,000

Interest Rate (p.a.)

10.0%36.0%

Loan Tenure

3 Mo60 Mo

Monthly EMI

₹11,077

Total Interest

₹35,499

Total Payment

₹2,87,999

Monthly EMI

₹11,077

Principal Amount

₹2,52,500 (87.7%)

Total Interest

₹35,499 (12.3%)

Amortization Schedule

Year	Principal	Interest	Total Paid	Balance
Year 1	₹1,08,461	₹24,463	₹1,32,924	₹1,44,039
Year 2	₹1,22,216	₹10,708	₹1,32,924	₹21,823
Year 3	₹21,823	₹328	₹22,154	₹0

₹2,52,500 Loan EMI at Different Rates & Tenures

Monthly EMI for a ₹2,52,500 personal loan across common interest rates and repayment periods.

Rate ↓ / Tenure →	12 mo	24 mo	36 mo	48 mo	60 mo
10%	₹22,199	₹11,652	₹8,147	₹6,404	₹5,365
12%	₹22,434	₹11,886	₹8,387	₹6,649	₹5,617
14%	₹22,671	₹12,123	₹8,630	₹6,900	₹5,875
16%	₹22,910	₹12,363	₹8,877	₹7,156	₹6,140
18%	₹23,149	₹12,606	₹9,128	₹7,417	₹6,412
24%	₹23,876	₹13,350	₹9,906	₹8,232	₹7,264

EMI Example: ₹2,52,500 at 15.96% for 26 Months

Loan Amount: ₹2,52,500

Interest Rate: 15.96% p.a.

Tenure: 26 months

Monthly EMI: ₹11,551

Total Interest: ₹47,826

Total Payment: ₹3,00,326

Key Features

✓CIBIL 550-650 considered

✓NTC accepted

✓Alternate credit scoring

✓Build credit with smaller loans

Recommended Lenders for Personal Loan with Low CIBIL Score

MoneyView

Rate: 15.96%-39.99%

Amount: up to ₹10,00,000

CIBIL: 600+

Disbursal: 24 hours

Calculate EMI →|View Details

KreditBee

Rate: 17%-29.95%

Amount: up to ₹5,00,000

CIBIL: Not required

Disbursal: 10 minutes

Calculate EMI →|View Details

Fibe (EarlySalary)

Rate: 16%-30%

Amount: up to ₹5,00,000

CIBIL: Not required

Disbursal: 24 hours

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IIFL Finance

Rate: 12.75%-44%

Amount: up to ₹5,00,000

CIBIL: 600+

Disbursal: 24 hours

Calculate EMI →|View Details

Home Credit

Rate: 19%-56%

Amount: up to ₹2,00,000

CIBIL: Not required

Disbursal: 48 hours

Calculate EMI →|View Details

CASHe

Rate: 27%-33%

Amount: up to ₹4,00,000

CIBIL: Not required

Disbursal: 8 minutes

Calculate EMI →|View Details

Frequently Asked Questions

What is the EMI for a personal loan with low cibil score?

For a ₹2,52,500 personal loan with low cibil score at 15.96% interest for 26 months, the EMI is approximately ₹11,551 per month. Total interest: ₹47,826. Adjust the calculator above to match your specific needs.

What is the typical loan amount for personal loan with low cibil score?

Personal Loan with Low CIBIL Score amounts typically range from ₹5,000 to ₹5,00,000, with the most common tenure being 3-48 months. The exact amount you qualify for depends on your income, credit score, and existing obligations.

Which lender is best for personal loan with low cibil score?

Top recommended lenders include MoneyView (from 15.96%), KreditBee (from 17%), Fibe (EarlySalary) (from 16%). The best lender for you depends on your credit profile — GoCredit compares 55+ lenders simultaneously.

Do I need collateral for personal loan with low cibil score?

No. Personal loans are unsecured — you do not need to pledge any property, gold, or assets as collateral. Approval is based on your income, credit score, and repayment capacity. This makes personal loans faster to get than secured loans like home or gold loans.

How fast can I get a personal loan with low cibil score?

Many lenders disburse personal loans within 24-48 hours. Among recommended lenders, MoneyView offers disbursal in 24 hours. Digital lenders often have same-day disbursal for approved applicants.