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Blogs > How to Get a Personal Loan with a Low CIBIL Score – A Complete Guide by IndiaLends
How to Get a Personal Loan with a Low CIBIL Score – A Complete Guide by IndiaLends
Is your CIBIL score low but you urgently need a personal loan? You're not alone. Many individuals face loan rejections due to a low or bad credit score, but the good news is—you still have options. At IndiaLends, we help people like you get the financial help you need, even when your CIBIL score is low.
Quick Matrix: Your Loan Journey with a Low CIBIL Score
Step | Problem | Solution |
1 | Low CIBIL Score (Below 700) | Understand reasons for low score |
2 | Loan Rejections | Choose fintech lenders like IndiaLends |
3 | Urgent Cash Need | Apply for instant loan with low CIBIL |
4 | High Interest Rates | Compare loans using IndiaLends tools |
5 | Repayment Worries | Use IndiaLends EMI options + timely alerts |
Why Your CIBIL Score Matters
Your CIBIL score, ranging from 300 to 900, reflects your creditworthiness. A score below 700 is considered low and can reduce your chances of loan approval.
Common Reasons for a Low CIBIL Score:
Missed EMIs or credit card dues
High credit utilization
Loan defaults
Too many loan inquiries in a short time
Knowing why your score is low is the first step in learning how to get loan with low CIBIL.
How to Get a Loan with a Low or Bad CIBIL Score
Here’s how you can still get a loan—even with a low or very low CIBIL score:
1. Choose the Right Lending Partner
Traditional banks may reject your application, but fintech platforms like IndiaLends specialize in helping borrowers with:
Bad credit history
No credit history (new to credit)
Low CIBIL score applicants
2. Apply for Instant Loans via IndiaLends
Need urgent funds? Here's how to get instant loan with low CIBIL score:
Minimal documentation (PAN, Aadhaar, bank statements)
Fast approvals—some within 24 hours
Flexible EMI and tenure options
3. Compare Loan Offers Wisely
Even with a low CIBIL score, interest rates and fees vary by lender.
At IndiaLends, you can:
Use the EMI calculator to plan repayments
Choose the best offer from multiple lenders
Avoid high-interest traps
4. Improve Your Credit While Borrowing
Getting a loan is one part; repaying it properly will help rebuild your score.
Tips to improve:
Set auto-debit for EMIs
Keep credit card usage below 30%
Avoid multiple loan applications
Check credit report regularly for errors
🔗 Learn more: How to Improve Your CIBIL Score
FAQs – Personal Loans with Low or Bad CIBIL
Q1. How can I get a personal loan with a low CIBIL score?
A: Apply via IndiaLends—our partner lenders consider income, job stability, and other factors beyond credit scores.
Q2. How to get an instant loan with low credit score?
A: IndiaLends offers instant loan approval and disbursal based on minimal documentation and alternative credit assessment.
Q3. What if my CIBIL score is very low? Can I still get a loan?
A: Yes, you may still qualify—especially for small-ticket loans or secured loans.
Q4. Will the interest be higher if I have a bad CIBIL score?
A: Usually yes, but IndiaLends helps you compare and choose the most affordable option available.
Q5. Can I apply again if I was rejected before?
A: Yes. We recommend checking your score and applying through IndiaLends after improving your profile or choosing a new lender.
Final Tips – How to Get Loan on Low CIBIL Score
Use IndiaLends to find CIBIL-friendly lenders
Provide complete and accurate information
Consider secured loans if unsecured isn’t available
Rebuild credit while repaying current loan
Ready to Apply?
Whether your CIBIL score is low, very low, or you're recovering from a bad credit history, IndiaLends can help you get a personal loan fast.
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