Refinance Loan with Low CIBIL EMI Calculator

Refinance Loan with Low CIBIL EMI is ₹807/month at 10% for 36 months. Calculate exact EMI at your rate and tenure. Compare offers from 100+ lenders.

Loan Amount

₹

₹10,000₹1,25,000

Interest Rate (p.a.)

10.0%36.0%

Loan Tenure

12 Mo60 Mo

Monthly EMI

₹830

Total Interest

₹4,893

Total Payment

₹29,893

Get Money for this ₹25,000 loan →No app download · Zero CIBIL impact

Monthly EMI

₹830

Principal Amount

₹25,000 (83.6%)

Total Interest

₹4,893 (16.4%)

Amortization Schedule

Year	Principal	Interest	Total Paid	Balance
Year 1	₹7,358	₹2,602	₹9,960	₹17,642
Year 2	₹8,290	₹1,670	₹9,960	₹9,352
Year 3	₹9,340	₹620	₹9,960	₹12

By Gaurav Gupta, Credit SpecialistUpdated 24 Jul 2026

₹25,000 Loan EMI at Different Rates & Tenures

Monthly EMI for a ₹25,000 personal loan across common interest rates and repayment periods.

Rate ↓ / Tenure →	12 mo	24 mo	36 mo	48 mo	60 mo
10%	₹2,198	₹1,154	₹807	₹634	₹531
12%	₹2,221	₹1,177	₹830	₹658	₹556
14%	₹2,245	₹1,200	₹854	₹683	₹582
16%	₹2,268	₹1,224	₹879	₹709	₹608
18%	₹2,292	₹1,248	₹904	₹734	₹635
24%	₹2,364	₹1,322	₹981	₹815	₹719

EMI Example: ₹25,000 at 10% for 36 Months

Loan Amount: ₹25,000

Interest Rate: 10% p.a.

Tenure: 36 months

Monthly EMI: ₹807

Total Interest: ₹4,052

Total Payment: ₹29,052

Key Features

✓Balance transfer option

✓550+ CIBIL accepted

✓Save 4-8% interest

Best Lenders for a Refinance Loan with Low CIBIL

State Bank of India

Rate: 10%-15%

Amount: up to ₹20,00,000

CIBIL: 650+

Disbursal: 3-5 working days

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MoneyView

Rate: 14%-36%

Amount: up to ₹10,00,000

CIBIL: 650+

Disbursal: 24 hours

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KreditBee

Rate: 12%-27.5%

Amount: up to ₹10,00,000

CIBIL: Not required

Disbursal: 10 minutes

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Navi

Rate: 9%-29.96%

Amount: up to ₹20,00,000

CIBIL: 650+

Disbursal: 5 minutes

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Fullerton India (now SMFG India Credit)

Rate: 12.5%-30%

Amount: up to ₹10,00,000

CIBIL: 700+

Disbursal: 24-48 hours

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Fibe (EarlySalary)

Rate: 18%-30%

Amount: up to ₹10,00,000

CIBIL: Not required

Disbursal: 24 hours

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Home Credit

Rate: 21%-39.5%

Amount: up to ₹4,80,000

CIBIL: Not required

Disbursal: 48 hours

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CASHe

Rate: 72%-72%

Amount: up to ₹3,00,000

CIBIL: Not required

Disbursal: 8 minutes

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Popular with borrowers

₹50,000 loan without CIBIL →₹2,000 loan without CIBIL →Loan apps for low CIBIL score →Loan apps for 400 CIBIL score →

Frequently Asked Questions

What is the EMI for a refinance loan with low cibil?

For a ₹25,000 personal loan at 10% annual interest for 36 months, the monthly EMI is approximately ₹807. Total interest payable would be ₹4,052. Use the calculator above to check EMI at different rates and tenures.

Which bank offers the lowest interest rate for a refinance loan with low cibil?

Among popular lenders, State Bank of India offers rates starting from 10% p.a. for personal loans. Your actual rate depends on your CIBIL score, income, and employment type. GoCredit compares 100+ lenders to find your best match.

What CIBIL score is needed for a refinance loan with low cibil?

Most banks require a CIBIL score of 700+ for a refinance loan with low cibil. However, several NBFCs and fintech lenders approve loans with scores as low as 550 or even no CIBIL history — typically at higher interest rates. A score of 750+ gets you the best rates.

What is the best tenure for a refinance loan with low cibil?

The typical tenure for a refinance loan with low cibil is 12-60 months. A shorter tenure means higher EMI but less total interest. For example, at 12% interest: a 12-month tenure gives an EMI of ₹2,221, while a 36-month tenure gives ₹830 — but you pay more interest overall.

Can I get a refinance loan with low cibil without salary slip?

Yes. Several lenders accept bank statements, ITR, or alternate income proof instead of salary slips. Fintech lenders like MoneyView and KreditBee have flexible documentation requirements. GoCredit's AI automatically matches you with lenders that accept your available documents.