Best Loan Apps for Low CIBIL Score (400, 500, 550, 600)
Low CIBIL score doesn't mean no loan. Multiple RBI-registered fintech lenders approve loans for scores as low as 400-500. The key is applying to the RIGHT lender — not all of them. GoCredit's AI matches your exact score to lenders that will actually approve you.
Lenders That Accept Low CIBIL (6 options)
| Lender | Min CIBIL | Rate | Max Amount | Type |
|---|---|---|---|---|
| KreditBee | Any | 17%–29.95% | ₹5,00,000 | FINTECH |
| Fibe (EarlySalary) | Any | 16%–30% | ₹5,00,000 | FINTECH |
| Home Credit | Any | 19%–56% | ₹2,00,000 | NBFC |
| CASHe | Any | 27%–33% | ₹4,00,000 | FINTECH |
| MoneyView | 600+ | 15.96%–39.99% | ₹10,00,000 | FINTECH |
| IIFL Finance | 600+ | 12.75%–44% | ₹5,00,000 | NBFC |
Loan Options by CIBIL Score
CIBIL 400-500: Very Limited but Possible
At this score, only fintech lenders with flexible criteria will approve. Expect ₹5,000-₹50,000 at 24-36% interest. Focus on rebuilding your score — 3-6 months of on-time payments can push you above 550.
Detailed guide: Below 500 CIBIL →CIBIL 500-600: Fintech + Select NBFCs
More options open up here. KreditBee, Fibe, Home Credit, and some NBFCs will approve. Loan amounts up to ₹2-5 lakh possible. Rates 15-30%.
Detailed guide: 550-600 CIBIL →CIBIL 600-650: Most NBFCs Approve
At 600+, you qualify for most NBFCs and even SBI. Rates drop to 12-24%. You're just 50-100 points from unlocking the best bank rates.
Detailed guide: 600-650 CIBIL →Check Your Loan Eligibility
Instant result — no signup, no CIBIL impact
Why Compare Manually When AI Can Do It in 60 Seconds?
GoCredit's AI Loan Agent — India's first — automatically scans 100+ lenders, matches your profile (salary, CIBIL, loan amount), and applies to the best-fit lenders on your behalf. No forms to fill, no calls to take, no rejections to face.