Low CIBIL Loan

A Low Score Shouldn't Be A Closed Door

Credit support for borrowers with a low or limited credit history, assessed on income and repayment behaviour, not score alone.

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Live Estimate

₹0/mo

Estimated EMI for the loan below

Loan Amount

Tenure

₹0

Total Interest

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Total Payment

Features & Benefits

What you get with the Low CIBIL Loan

Key Features

✓Designed specifically for CIBIL scores below 650
✓Income and bank-statement based assessment
✓Smaller loan tickets to build repayment history
✓Available for salaried and self-employed applicants

Benefits

✓A genuine path back into mainstream credit
✓No automatic rejection for a single missed payment in the past
✓Transparent terms despite higher-risk profile
✓Option to graduate to better rates with good repayment

Eligibility & Documents

Who can apply, and what you'll need

Eligibility Criteria

✓Age 21–58 years
✓Minimum monthly income of ₹15,000
✓Stable income source for past 6+ months
✓Valid KYC and bank account

Documents Required

✓PAN Card and Aadhaar Card
✓6 months' bank statements
✓Latest income proof
✓Passport-size photograph

The Process

How to get your low cibil loan

Check Eligibility

Share basic details to see your estimated eligibility instantly.

Submit Documents

Upload KYC and income proof securely through WhatsApp or our portal.

Profile Review

Our credit team reviews your profile and shares offer terms.

Disbursal

Approved funds are transferred directly to your bank account.

Apply For Low CIBIL Loan

Tell us a little about your requirement and we'll get back on WhatsApp.

FAQs

Common questions about the Low CIBIL Loan

Can I really get a loan with a low CIBIL score?+

Yes. We assess income stability and current obligations alongside your score, which allows many low-CIBIL applicants to qualify.

Will applying affect my CIBIL score further?+

No, our initial eligibility check is a soft enquiry and does not impact your score.

Are interest rates higher for low CIBIL loans?+

Typically yes, reflecting the higher risk profile, but all rates and charges are disclosed transparently upfront.

Can timely repayment improve my future loan terms?+

Yes, a consistent repayment record can improve your eligibility and rates on future applications.