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Low CIBIL loan · Loan without credit history

Can you get a personal loan with a low CIBIL score?

Yes, it is possible, but you will usually see fewer offers, smaller amounts or higher interest. Most lenders prefer a CIBIL score of 700 or more; some also consider lower scores or first-time borrowers with a steady income. Finriseo shows you only the RBI-registered lenders whose criteria match your profile, so you do not apply blindly and collect rejections.

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Free to compare · No impact on your credit score · हिन्दी में पढ़ें

How lenders look at a low score

  • Score 750+: the widest choice and best rates
  • Score 650–750: many lenders, rates vary
  • Below 650 or no history: fewer lenders, smaller amounts, higher cost
  • A stable income and low existing EMIs can make up for part of a weak score

Improve your chances

  • Ask for a smaller amount first and repay on time
  • Clear overdue EMIs or credit card dues before applying
  • Avoid applying to many lenders at once — each hard enquiry counts
  • Check your free credit report for errors and dispute them

How to apply on Finriseo

  1. Enter your mobile number and verify it with an OTP
  2. Add the amount you need, your income and PAN
  3. Compare the offers you match
  4. Apply to the lender you choose — they complete KYC and pay into your bank account

Avoid “guaranteed loan” offers

No genuine lender guarantees approval regardless of your score. Anyone who promises that and asks for an upfront fee is likely a fraud. Borrow only from RBI-registered banks and NBFCs.

Frequently asked questions

What is the minimum CIBIL score for a personal loan?

There is no single minimum; each lender sets its own. Many look for 700 or more, while some accept lower scores at a higher rate.

Can I get a loan with no CIBIL score?

Some lenders lend to first-time borrowers with a verifiable income, usually starting with a smaller amount. Repaying it on time builds your score.

Will applying hurt my score further?

Comparing on Finriseo does not involve a bureau enquiry. A lender you choose may run a hard check, so apply only where you match.

Is Finriseo a lender?

No. Finriseo is a loan comparison platform. The loan is given by the RBI-registered NBFC you choose; they set the rate, fees and terms. Comparing is free for you.

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Finriseo is a loan comparison platform, not a lender. Loans are given by RBI-registered NBFCs and are subject to their approval, rates and terms.

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