Bad CIBIL Loan App List 2025: 25+ Bad CIBIL Loan Apps. A low CIBIL score can make it difficult for you to obtain credit, such as loans or credit cards, and if you do, it could result in higher interest rates or unfavorable terms. It may also make it hard to find a job, rent an apartment, or get cheap insurance.
Responsible financial management is typically required to raise a low CIBIL score, including timely payments, debt repayment, and a reduction in credit requests. Your CIBIL score may steadily rise as you exhibit better credit behavior over time. To keep track of your progress and rectify any inaccuracies or anomalies that might be harming your score, it’s critical to routinely check your credit report and score.
Bad Cibil Loan App List 2025
| App Name | Interest Rate |
| mPokket | 0% To 4% p.m. |
| LazyPay | The rate ranges from 16% to 32% per annum. |
| Money View | The percentage ranges from 16% to 39% per annum. |
| Bajaj Finserv | The interest rate ranges from 12% to 34% per annum. |
| Home Credit | 18% to 56% p.a. |
| SmartCoin | to 30% |
| CASHe | to 30.42% |
| NIRA | 24% To 36% |
| KreditBee | to 29.95% |
| PaySense | The income ranges from 16% to 36% per annum. |
| MoneyTap | 13% p.a. |
| PayMeIndia | The rate ranges from 18% to 36% per annum. |
| Dhani | The interest rate can reach up to 42% per annum. |
| Early Salary | The salary ranges from 15% to 40% per annum. |
| India Lends | The interest rate ranges from 10.25% to 25% per annum. |
| Paytm Pay Later | The rate increased by 10.5% to 485 p.a. |
| ZestMoney | 3% to 36% p.a. |
| DigiMoney | The percentage ranges from 19% to 34% per annum. |
| IndusMobile: Digital Banking | The percentage ranges from 18% to 39% per annum. |
| Mystro Loans & Neo Banking App | The interest rate ranges from 15% to 36% per annum. |
| Kissht | 18% p.a. onwards |
| Prefer | The rate ranges from 18% to 36% per annum. |
| Fair Money | The interest rate ranges from 12% to 36% per annum. |
| Pay With Ring | 14% to 28% p.a. |
| Bueno Loans | The rate ranges from 20% to 52% per annum. |
| Pocketly | The rate ranges from 14% to 39% per annum. |
| Bajaj Markets | 14% to 52% p.a. |
| lands | The interest rate ranges from 10.25% to 25% per annum. |
What is a bad CIBIL score?
A negative CIBIL score, often referred to as a low or poor CIBIL score, is a credit score that falls significantly below the desired range. In India, the Credit Information Bureau (India) Limited, or CIBIL, is one of the major credit bureaus that assesses and maintains credit scores for individuals and businesses. A CIBIL score is a three-digit number that typically ranges from 300 to 900, with higher scores indicating better creditworthiness.
Here’s a general breakdown of CIBIL score ranges:
- Excellent: 750 and above
- Good: 700–749
- Fair: 650–699
- Poor: 550–649
- Bad: Below 550
A bad CIBIL score, which falls below 550, indicates a poor credit history and may result from various factors, including
- There are late or missing loan or credit card payments.
- You are failing to make credit card or loan payments on time.
- You are experiencing high credit usage or making heavy use of your credit lines.
- Multiple credit card or loan applications are submitted quickly (which points to financial trouble).
- has a track record of paying off debts for less than the entire amount due.
- instances of accounts being written off as unacceptable debt or sent to collections.
Eligibility Criteria for Bad CIBIL Loan Apps:
Following are the minimum eligibility criteria for bad CIBIL loan apps in India. To get a loan from these apps, you need to fulfill minimum eligibility. Check all the required information given below.
- You must be an Indian citizen
- You must be above the age of 21
- Your Income proof
- Minimum monthly salary of Rs.15,000–Rs.18,000 (based on Metro or non-Metro cities)
How do I apply for personal loans on the Bad CIBIL Loan Apps?
You can follow this process to get an instant loan from these loan apps if you have a bad credit score.
- First You need to visit Google Store
- Now Search Loan App Name
- Now Download the mobile application for the lender directly from the Google Play Store or App Store.
- Next, register as a new user.
- After the process, you will provide information, such as your name, address, ID proof, mobile number, and email.
- After completing the entire process, upload your KYC documents for the personal loan agreement.
- Now enter your bank details to get a personal loan.
- Please complete an application form.
- Once your loan application is approved, the money will be sent to your account directly.
Read Also:Â List Of Fake Loan Apps In Nigeria
What Problems Can You Face If You Have a Bad CIBIL Score?
A poor credit score, commonly referred to as a negative CIBIL score, can have serious financial repercussions. One of the key credit agencies in India that evaluates and stores credit information for people is called CIBIL, or the Credit Information Bureau (India) Limited. Here are some consequences of having a low CIBIL score:
- Financial Obstacles: A low CIBIL score can create several financial obstacles
- Higher Interest Rates
- Limited Credit Options
- Difficulty in Renting a Home
- Employment Concerns
- Impact on Insurance Premiums
- Collection Calls and Legal Action
- Longer Credit Recovery Time
- Difficulty in Financial Planning
Bad CIBIL Loan Apps: How to Improve Your Bad CIBIL Score?
It takes time and effort to raise a low CIBIL score (or credit score), but with careful money management, it is doable. Lenders evaluate your creditworthiness based on your CIBIL score to decide whether to approve your credit applications. To boost a low CIBIL score, consider the following actions:
- Check Your Credit Report
- Pay Your Bills on Time
- Reduce Outstanding Debt
- Avoid Maxing Out Credit Cards
- Don’t Apply for Too Much Credit
- Maintain a Mix of Credit Types
- Length of Credit History
- Limit Credit Inquiries
- Financial Discipline
- Seek Professional Help if Necessary:
FAQ: Bad Cibil Score Loan Apps List
I have a low CBIL score. Can I still get a loan?
Ans: Yes, obtaining a loan can be challenging if your CBIL score is low, as lenders frequently reject applications.
Is it possible to improve my CBIL score?
Ans: You can raise your CBIL score, yes. Success is possible, but it might take some time.
Are all loan requests risky?
Ans: No, not all loan requests involve risk. It is vital to be careful and assess credibility.
Can I apply for a loan online?
Ans: You can apply for loans online, but only if you pick a secure and reputable platform.
Can I discover my CBIL score on any website?
Ans: Yes, a lot of websites offer the tools to check your CIBIL score online.
