Best Personal Loans for CIBIL Score Below 700 – Instant Approval Options in 2025
If your CIBIL score is under 700, getting a personal loan might seem challenging, but it’s not impossible. In 2025, several top financial institutions and fintech platforms are offering personal loans for bad credit borrowers with fast approval, minimal documentation, and competitive interest rates.
Can You Get a Personal Loan with a Low CIBIL Score?
Yes, many NBFCs and digital lenders offer low CIBIL score loans by analyzing alternate data like salary slips, bank statements, job stability, and cash flow. These loans without CIBIL score dependency are ideal for salaried professionals, freelancers, and self-employed individuals facing rejections from traditional banks.
Top Platforms Offering Personal Loans Below 700 CIBIL Score
1. PaySense Personal Loan
- Loan Amount: ₹5,000 to ₹5 Lakh
- Interest Rate: Starts at 13%
- CIBIL Requirement: Minimum 580
- Approval: Instant with Aadhaar & PAN
- USP: Ideal for new-to-credit users
2. MoneyTap Credit Line
- Credit Limit: Up to ₹5 Lakh
- CIBIL Requirement: 600+
- Unique Benefit: Only pay interest on used amount
- Best For: Flexi EMI personal loans for low credit holders
3. CASHe App
- Loan Tenure: 3 to 12 months
- Approval Time: Within 10 minutes
- Target Users: Salaried professionals with low credit scores
- CPC Keywords Targeted: emergency loan, instant personal loan, low credit loan
4. KreditBee Personal Loan
- Loan Amount: ₹1,000 to ₹4 Lakh
- CIBIL Not Mandatory: Uses alternative risk models
- Eligibility: Minimum salary ₹10,000/month
- Best For: Fast loans for students and freshers
Eligibility Tips to Increase Approval Chances
Even with a CIBIL score under 700, you can boost your chances of approval by:
- Maintaining consistent salary credits
- Avoiding recent loan defaults
- Applying with a loan guarantor or co-applicant
- Submitting latest 3-month bank statements
- Using platforms that offer pre-approved personal loans
Interest Rates for Low CIBIL Personal Loans
| Lender | Min Interest Rate | Max Loan Amount | CIBIL Needed |
|---|---|---|---|
| Navi App | 9.9% | ₹20 Lakhs | 650+ |
| Dhani Loans | 12% | ₹5 Lakhs | No CIBIL |
| EarlySalary | 18% | ₹5 Lakhs | 600+ |
| Bajaj Finserv | 13.5% | ₹25 Lakhs | 685+ |
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- how to get a loan with 600 cibil
- emergency personal loan
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Should You Go for Secured Loans Instead?
If your credit score is low and EMI rejection is a concern, consider loan against fixed deposit, gold loan, or loan against insurance policy. These are secured personal loan alternatives with better approval rates.
Final Thoughts
Getting a personal loan with a CIBIL score under 700 isn’t as difficult as it once was. With the right approach and lender selection, you can still access funds without heavy paperwork or high rejection rates. Choose wisely based on tenure, interest rate, and credibility.