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.
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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
AI Se Baat Karo. Real Offers. Sabse Sasta Choose Karo.
GoCredit's AI Loan Agent tumhara credit profile samajhta hai aur matched lenders ko tumhari taraf se apply karta hai. Real approved offers minutes mein — estimated nahi, actual. No redirect, no form filling. CIBIL pe zero impact.