This Bad CIBIL Loan App List is for people who need a loan but keep getting rejected because of a low credit score.
Nowadays, most companies only provide loans to individuals with a CIBIL score above 800.
However, some Very bad CIBIL loan app and 7-day loan apps allow you to borrow small amounts without a CIBIL score. These Personal loan App also have low interest rates and are easily available through an online process.
People often download apps like Navi, MoneyTap, and Moneyview to get personal loans, but these apps typically require salary proof and a CIBIL score of 800+ for self-employed individuals.
For those with low credit history, a new bad cibil loan app like Branch, SmartCoin or mPokket works much better as they approve loans without strict CIBIL requirements.
But even when you are unemployed, there are many RBI approved Apps List available even for people with a low CIBIL score. Today, in this post, I am sharing the complete Bad CIBIL Loan App List.
You can download this app on your phone and get up to ₹10,000 bad cibil loan, which you can repay at a low interest rate over a convenient period. Even those with a very poor credit score can get a loan through the apps mentioned below.
Very Bad Cibil Loan App
Most banks reject loan applications with a CIBIL score below 650. But these bad cibil loan app list apk, including a 500 CIBIL loan app, use alternative scoring based on your bank statement and income, not just your credit score. Even with a 300 to 500 CIBIL score, you can get a loan from ₹1,000 to ₹1,00,000 instantly through a trusted 7 days loan app.
Note: I had to put in a lot of effort to collect the Bad CIBIL Loan App List given below and their details so that I could share accurate information. Here, I have mentioned only those CIBIL loan apps through which anyone can get a loan even with a low CIBIL score.
Bad CIBIL Loan App List
At present, many loan apps are offering loans even without a CIBIL score. Below, we are sharing a list of the best loan apps along with their details and download links.
Download the app suitable for bad CIBIL, apply for a loan carefully by considering the EMI and interest, and get the loan easily.
| # | Loan Apps | Loan Amount | Interest Rate | CIBIL Required |
|---|---|---|---|---|
| 1 | Branch | ₹1,000 – ₹50,000 | 24% – 48% | Low / No |
| 2 | mPokket | ₹500 – ₹50,000 | 0% – 48% | No |
| 3 | KreditBee | ₹6,000 – ₹10,00,000 | 12% – 28.5% | Low Accepted |
| 4 | StuCred | ₹1,000 – ₹15,000 | 0% | No |
| 5 | PayRupik | ₹1,000 – ₹50,000 | Up to 35% | Bad / Low |
| 6 | CASHe | ₹5,000 – ₹4,00,000 | 18% – 30% | Low Accepted |
| 7 | MoneyTap | ₹3,000 – ₹5,00,000 | 13% – 24% | Low / Bad |
| 8 | RupeeRedee | ₹1,000 – ₹25,000 | 28% – 36% | Low Accepted |
| 9 | SmartCoin | ₹1,000 – ₹70,000 | 18% – 30% | No / Low |
| 10 | NIRA | Up to ₹1,00,000 | 15% – 36% | Low Allowed |
| 11 | Stashfin | ₹1,500 – ₹5,00,000 | 11.99% – 59.9% | Low Accepted |
| 12 | Kreditzy | ₹1,000 – ₹1,00,000 | 0% – 29.95% | No CIBIL |
| 13 | Yuva | Up to ₹20,000 | 33% – 42% | No CIBIL |
| 14 | Zype | ₹1,000 – ₹50,000 | 18% – 30% | Low Accepted |
| 15 | RapidRupee | ₹500 – ₹20,000 | 12% – 36% | No CIBIL |
| 16 | Fibe (EarlySalary) | ₹8,000 – ₹5,00,000 | 16% – 30% | Low Accepted |
| 17 | IBL Finance | ₹2,000 – ₹50,000 | 15% – 36% | Low / Bad |
| 18 | FlexSalary | ₹4,000 – ₹3,00,000 | 18% – 36% | Low Accepted |
Top 18 Bad CIBIL Loan Apps & Low CIBIL Personal Loan App List
You can install any of these loan apps that offer loans on low CIBIL on your phone and get a loan from ₹1,000 to ₹50,000 even without a CIBIL score.
These loan apps follow a few simple steps, after which the money is credited directly to your bank account.
You only need to provide some basic documents so your profile can be verified, and within minutes the amount is transferred to your bank. However, their repayment time and interest rates may vary, which you can easily check before applying.
For your convenience, I have shared a complete bad CIBIL loan app list below with full details, offering lower interest rates and longer repayment options, where everything is explained clearly.
Urgent Loan Without CIBIL in India List - 7 Days Loan App Low CIBIL Score
Getting an urgent loan without CIBIL in India is now possible through these 7 days loan app low CIBIL score options. All apps below approve loans within minutes using just Aadhaar and PAN.
1. Branch — Very Bad CIBIL Loan App
Branch is a fasted instant loan app that provides instant loans of ₹500 even with a very poor CIBIL score, using only your Aadhaar card. Branch offers loans at low interest rates, and I recommend it because I have used it myself.You too can download this loan app to meet your immediate needs. It gives you 7 days to repay a loan of ₹500, and no one else will offer you a better deal.
This application allows you to take out loans up to 5 lakh rupees. It's also a 500 rupee loan app; it guarantees a loan of at least 500 rupees to everyone.
This app has been downloaded by over 50M+ people and has a rating of 4.6.
| Branch Loan | Details |
|---|---|
| Loan Amount | ₹1000 - ₹50,000 |
| Interest Rate | 2%-4% monthly |
| Cibil Score | Low Cibil Score Accepted |
| Tenure | 90 day to 12-month |
| Age | 18+ |
2. mPokket — Bad CIBIL Loan App
mpokket is designed for students and employees, allowing them to get loans with a CIBIL score of 600, and it provides loans to students without checking their CIBIL score.
To get a loan from here, students have to provide their school or college ID, and employees have to upload their bank statements.
After this, your details will be reviewed after 30 minutes, and then the money will be sent directly to your bank account. This is a very good application for loans at a very low interest rate.
This application has been downloaded by over 50M+ people and has a rating of 4.7.
| mPokket Loan | Details |
|---|---|
| Loan Amount | ₹500-₹50,000 |
| Interest Rate | 0% to 4% per month |
| Cibil Score | No Needed |
| Tenure | 61 to 120 days |
| Age | 18+ |
3. KreditBee — Bad CIBIL Loan App in India
KreditBee is a professional loan company where you get a personal loan at best personal loan interest rates.
This company provides loans even with a low CIBIL score, but the interest rate can go up to 45% annually. However, having a score of 750 or higher increases the chances of getting a larger loan at a lower interest rate.
The KreditBee app also offers a free CIBIL score check facility. Loans are available to individuals aged 21 and above. The app has over 100M+ downloads and a rating of 4.6.
| Kreditbee Loan | Details |
|---|---|
| Loan Amount | ₹6,000 to ₹10 Lakhs |
| Interest Rate | 12% to 28.5% p.a. |
| Cibil Score | 750+ |
| Tenure | 6 to 60 month |
| Age | 21+ |
4. StuCred — Urgent Loan Without CIBIL
If you need more than ₹10,000 but are unable to get a loan due to a poor CIBIL score, download the StuCred app.
They provide loans ranging from ₹1,000 to ₹15,000 without requiring a CIBIL score, which is great. And surprisingly, they offer loans to students at 0% interest.
After thoroughly examining it, I found out that it is designed only for providing small loans, and repayment has to be done within 30 days.
To get a loan from here without a CIBIL score, you need these 4 things: PAN Card, Aadhaar Card, Student ID Card, and Bank Account Details. StuCred has a rating of 4.5 and over 1M+ downloads.
| StuCred Loan | Details |
|---|---|
| Loan Amount | ₹1,000 to ₹15,000 |
| Interest Rate | 0% p.a. |
| Cibil Score | No Need |
| Tenure | 1 Months |
| Age | 18+ |
5. PayRupik — Bad CIBIL Loan Provider
PayRupik helps meet immediate financial needs, solving money problems ranging from ₹1,000 to ₹50,000. It is an RBI-registered NBFC loan app that understands customer needs, even with a CIBIL score as low as 400.
If you need a loan, this is a reliable application that I have personally used. People over 18 years of age can apply for a loan online here.
Like other great apps, PayRupik also has over 10M+ downloads and a rating of 4.5.
| PayRupik Loan | Details |
|---|---|
| Loan Amount | ₹1,000 to ₹50,000 |
| Interest Rate | Up to 35% P.a |
| Cibil Score | below 600 |
| Tenure | 91–365 day |
| Age | 18+ |
6. CASHe — Bad CIBIL Loan App List in India
CASHe is one of the most trusted bad CIBIL loan apps in India, especially built for salaried professionals who have been rejected by banks due to a low credit score.
It operates under RBI-registered NBFC Bhanix Finance and Investment Ltd. and uses its own Social Loan Quotient (SLQ) system to check your eligibility based on income and repayment capacity, not your credit history.
It offers loans from ₹7,000 up to ₹4,00,000 through a fully digital and paperless process. Approval takes just 15 to 20 minutes and the amount gets transferred on the same day.
It also comes with a BNPL (Buy Now Pay Later) feature which is useful for short-term purchases. This makes it a solid pick in any 600 CIBIL score loan app list. CASHe has over 10M+ downloads and a rating of 4.5.
| CASHe Loan | Details |
|---|---|
| Loan Amount | ₹7,000 to ₹4,00,000 |
| Interest Rate | 18% to 30% P.A. |
| Cibil Score | 550+ (Low Accepted) |
| Tenure | 9 to 18 Months |
| Age | 23+ |
7. MoneyTap — 7 Days Loan App Low CIBIL Score
MoneyTap is India's first app-based personal credit line platform and it works differently from a regular loan app.
Instead of giving a one-time loan, it gives you a revolving credit limit from which you can withdraw any amount as and when needed. Interest is charged only on the amount you actually use, not on the full limit.
You can borrow anywhere from ₹3,000 to ₹5,00,000 and the entire process is 100% paperless with approval in just 4 minutes.
It works in partnership with RBI-registered banks and NBFCs, making it a trustworthy 600 CIBIL score loan app for anyone with a low or bad credit score.
MoneyTap has over 10M+ downloads and a rating of 4.5.
| MoneyTap Loan | Details |
|---|---|
| Loan Amount | ₹3,000 to ₹5,00,000 |
| Interest Rate | 13% to 24% P.A. |
| Cibil Score | Low / Bad Accepted |
| Tenure | 2 to 36 Months |
| Age | 23+ |
8. RupeeRedee — Urgent Loan Without CIBIL in India
RupeeRedee is a straightforward option for anyone looking for a bad CIBIL loan app that approves small loans quickly without a long application process.
The app evaluates your eligibility based on bank transactions and income stability rather than your credit score, so even people with a very low CIBIL score can get approved.
It offers loans from ₹1,000 to ₹25,000 which is perfect for handling short-term emergencies like medical bills, utility payments or any sudden expense.
Documents required are minimal: just PAN card, Aadhaar card and a recent bank statement. For first-time borrowers searching for a very bad CIBIL loan app, this is one of the easiest options to start with.
RupeeRedee has over 10M+ downloads and a rating of 4.5.
| RupeeRedee Loan | Details |
|---|---|
| Loan Amount | ₹1,000 to ₹25,000 |
| Interest Rate | 28% to 36% P.A. |
| Cibil Score | Low Accepted |
| Tenure | 62 to 180 Days |
| Age | 21+ |
9. SmartCoin — Bad CIBIL Loan App Apk
SmartCoin is one of the few bad CIBIL loan apps that does not check your CIBIL score at all. Instead it analyses your daily digital transactions, bank statement and spending patterns to decide your loan eligibility. This makes it a strong choice for freelancers, gig workers and self-employed individuals who have irregular income but a clean repayment intent.
The app offers loans from ₹1,000 to ₹70,000 with interest starting at 1.5% per month. Approval takes just a few minutes and money lands in your bank account the same day.
SmartCoin has over 10M+ downloads and a rating of 4.4 on Play Store.
| SmartCoin Loan | Details |
|---|---|
| Loan Amount | ₹1,000 to ₹70,000 |
| Interest Rate | 1.5% to 2.5% per month |
| Cibil Score | No CIBIL Required |
| Tenure | 2 to 24 Months |
| Age | 21+ |
10. NIRA — Very Bad CIBIL Loan App
NIRA is a reliable 600 CIBIL score loan app that gives salaried and self-employed individuals access to a personal credit line of up to ₹1,00,000. What makes NIRA different is its flexible withdrawal system. Once your credit line is approved, you can withdraw any amount anytime without reapplying.
Interest is charged only on the amount you actually use, not on the full credit limit. This keeps your repayment cost low even if you borrow multiple times in a month. The entire process from application to disbursal is online and takes under 10 minutes.
NIRA has over 5M+ downloads and a rating of 4.3 on Play Store.
| NIRA Loan | Details |
|---|---|
| Loan Amount | Up to ₹1,00,000 |
| Interest Rate | 15% to 36% P.A. |
| Cibil Score | Low / 600 Accepted |
| Tenure | 3 to 12 Months |
| Age | 21+ |
What is a CIBIL Score and Why Does It Matter?
A CIBIL score is a 3-digit number between 300 and 900 that shows how responsible you are with loans and credit cards. It is calculated by TransUnion CIBIL, India's most trusted credit bureau, based on your repayment history, outstanding debt, and credit usage.
Banks and NBFCs check your CIBIL score before approving any loan. A score below 650 leads to rejection in most cases. But here's the good news: the bad CIBIL loan apps listed below do not rely only on this score. They use your bank statement, income, and repayment behaviour to decide your loan, giving everyone a fair chance.
Advantages and Disadvantages of Bad CIBIL Loan Apps
Before applying on any bad CIBIL loan app, it helps to know both sides. On the positive side, these apps give instant approval in 5 to 15 minutes, require only Aadhaar and PAN, work 100% online and approve loans even with no CIBIL score.
Timely repayment also helps improve your credit score over time. On the downside, interest rates are higher than banks, repayment tenure is short, late payment penalties are heavy and loan amounts are limited for first-time borrowers. Always verify RBI registration before applying on any app.
How to Choose the Right Loan App for Low CIBIL Score
With so many options in the bad CIBIL loan app list picking the wrong one can cost you extra money. Keep these points in mind before you apply on any low CIBIL personal loan app.
- Check RBI registration — Only apply on apps backed by RBI registered NBFCs. Never share Aadhaar with unverified apps.
- Compare interest rates — Rates vary from 12% to 48% annually. Even a small difference adds up over the loan tenure.
- Check processing fees — Some apps charge 2% to 10% upfront. Factor this into your actual cost before accepting.
- Start with small loan amount — First-time borrowers get lower limits. Repay on time to unlock higher amounts.
- Apply on one app at a time — Multiple applications in one week create hard inquiries that further lower your CIBIL score.
How to Improve CIBIL Score for Personal Loan
If your score is low today, it will not stay low forever. These steps genuinely work to improve your CIBIL score for personal loan within 6 to 12 months.
- Pay all EMIs and credit card bills on time every month — this alone counts for 35% of your score.
- Keep credit card utilization below 30% of your total limit.
- Do not apply to multiple lenders in the same month — each application is a hard inquiry.
- Check your CIBIL report for errors and raise a dispute if any wrong information is listed.
- Take a small loan from a very bad CIBIL loan app and repay it fully on time — this builds positive repayment history fast.
- Keep old credit accounts open even if unused — older credit history improves your score.
Bad CIBIL Loan App List Related FAQs
1. Which is the best loan app for bad CIBIL score?
Best loan apps for bad CIBIL score are Branch, mPokket, KreditBee and CASHe. These apps use alternative credit scoring based on bank statements instead of relying only on CIBIL score.
2. Can a CIBIL defaulter get a loan?
Yes, a CIBIL defaulter can get a small loan through apps like Branch and SmartCoin which use AI-based credit assessment. Loan amount will be limited and interest rate higher than normal borrowers.
3. Can I get a loan with 500 CIBIL score?
Yes, you can get a loan with 500 CIBIL score through Branch and mPokket. These apps approve loans based on income and bank statement analysis rather than just the CIBIL score.
4. What is the minimum CIBIL score for instant loan apps?
Most instant loan apps require minimum 650 CIBIL score. But apps like Branch, mPokket and SmartCoin approve loans with scores as low as 300 to 500 using alternative scoring methods.
5. How to get loan with bad CIBIL score without rejection?
Apply on only one app at a time to avoid multiple hard inquiries. Choose apps that use alternative scoring like Branch or mPokket. Start with a small loan amount to build repayment history first.
Conclusion -
A low credit score does not have to stop you from getting a loan. The bad CIBIL loan app list above has options for every situation whether you are salaried, self-employed or a student. Pick one app, compare the interest rate, and apply carefully. Repay on time and your CIBIL score will improve on its own.
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