{"id":760,"date":"2025-06-30T07:44:03","date_gmt":"2025-06-30T07:44:03","guid":{"rendered":"https:\/\/www.daytodayloan.com\/blogs\/?p=760"},"modified":"2025-06-30T07:56:53","modified_gmt":"2025-06-30T07:56:53","slug":"how-to-get-loan-with-low-cibil-score","status":"publish","type":"post","link":"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/","title":{"rendered":"How to Get Loan with Low CIBIL Score in India?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"760\" class=\"elementor elementor-760\">\n\t\t\t\t<div class=\"elementor-element elementor-element-272540e e-flex e-con-boxed e-con e-parent\" data-id=\"272540e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-259bcae elementor-widget elementor-widget-text-editor\" data-id=\"259bcae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"461\" data-end=\"741\">Getting a loan with a low CIBIL score might seem difficult, but it\u2019s not impossible. If your credit score is below 650, many banks may reject your application. But don\u2019t worry \u2014 there are alternative ways and lenders who still offer loans to people with low or poor credit scores.<\/p><p data-start=\"743\" data-end=\"889\">In this article, we\u2019ll explain <strong data-start=\"774\" data-end=\"814\">how to get loan with low CIBIL score<\/strong>, even <strong data-start=\"821\" data-end=\"843\">without collateral<\/strong>, and how to improve your chances of approval.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#What_is_a_Low_CIBIL_Score\" >What is a Low CIBIL Score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#How_to_Get_Loan_with_Low_CIBIL_Score\" >How to Get Loan with Low CIBIL Score<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#1_Apply_with_an_NBFC_Instead_of_a_Bank\" >1. Apply with an NBFC Instead of a Bank<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#2_Try_Peer-to-Peer_P2P_Lending_Platforms\" >2. Try Peer-to-Peer (P2P) Lending Platforms<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#3_Show_Proof_of_Stable_Income\" >3. Show Proof of Stable Income<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#4_Apply_for_a_Low_Loan_Amount\" >4. Apply for a Low Loan Amount<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#5_Get_a_Co-Applicant_or_Guarantor\" >5. Get a Co-Applicant or Guarantor<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#How_to_Get_Loan_with_Low_CIBIL_Score_Without_Collateral\" >How to Get Loan with Low CIBIL Score Without Collateral<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#1_Use_Loan_Apps_Offering_Unsecured_Loans\" >1. Use Loan Apps Offering Unsecured Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#2_Apply_for_Salary_Advance_Loans\" >2. Apply for Salary Advance Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#3_Gold_Loan_or_Secured_Credit_Line\" >3. Gold Loan or Secured Credit Line<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#Tips_to_Improve_Your_Chances\" >Tips to Improve Your Chances<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#FAQs_How_to_Get_Loan_with_Low_CIBIL_Score\" >FAQs: How to Get Loan with Low CIBIL Score<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#1_Can_I_get_a_loan_if_my_CIBIL_score_is_below_600\" >1. Can I get a loan if my CIBIL score is below 600?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#2_What_is_the_minimum_CIBIL_score_for_a_personal_loan\" >2. What is the minimum CIBIL score for a personal loan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#3_Can_I_get_a_loan_without_CIBIL_score\" >3. Can I get a loan without CIBIL score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#4_How_to_get_loan_with_low_CIBIL_score_without_collateral\" >4. How to get loan with low CIBIL score without collateral?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#5_Will_taking_a_small_loan_help_improve_my_CIBIL_score\" >5. Will taking a small loan help improve my CIBIL score?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 data-start=\"896\" data-end=\"928\"><span class=\"ez-toc-section\" id=\"What_is_a_Low_CIBIL_Score\"><\/span>What is a Low CIBIL Score?<span class=\"ez-toc-section-end\"><\/span><\/h2><p data-start=\"930\" data-end=\"991\">CIBIL score ranges from 300 to 900. Here\u2019s a basic breakdown:<\/p><ul data-start=\"993\" data-end=\"1209\"><li data-start=\"993\" data-end=\"1045\"><p data-start=\"995\" data-end=\"1045\"><strong data-start=\"995\" data-end=\"1008\">750 \u2013 900<\/strong>: Excellent \u2013 High approval chances<\/p><\/li><li data-start=\"1046\" data-end=\"1102\"><p data-start=\"1048\" data-end=\"1102\"><strong data-start=\"1048\" data-end=\"1061\">650 \u2013 749<\/strong>: Good \u2013 Can get loan with better terms<\/p><\/li><li data-start=\"1103\" data-end=\"1157\"><p data-start=\"1105\" data-end=\"1157\"><strong data-start=\"1105\" data-end=\"1118\">550 \u2013 649<\/strong>: Average \u2013 Approval may be difficult<\/p><\/li><li data-start=\"1158\" data-end=\"1209\"><p data-start=\"1160\" data-end=\"1209\"><strong data-start=\"1160\" data-end=\"1173\">Below 550<\/strong>: Poor \u2013 High chances of rejection<\/p><\/li><\/ul><p data-start=\"1211\" data-end=\"1372\">If your score is below 650, you are considered a <strong data-start=\"1260\" data-end=\"1282\">high-risk borrower<\/strong>. But some lenders offer <strong data-start=\"1307\" data-end=\"1336\">loans for low CIBIL score<\/strong> individuals based on other factors.<\/p><p data-start=\"1379\" data-end=\"1421\"><em><strong>Also Read: <a href=\"https:\/\/www.daytodayloan.com\/blogs\/how-much-cibil-score-is-required-for-a-personal-loan\/\">How Much CIBIL Score is Required for a Personal Loan<\/a><\/strong><\/em><\/p><h2 data-start=\"1379\" data-end=\"1421\"><span class=\"ez-toc-section\" id=\"How_to_Get_Loan_with_Low_CIBIL_Score\"><\/span>How to Get Loan with Low CIBIL Score<span class=\"ez-toc-section-end\"><\/span><\/h2><p data-start=\"1423\" data-end=\"1496\">Here are some practical steps to get a loan even with a low credit score:<\/p><h3 data-start=\"1498\" data-end=\"1547\"><span class=\"ez-toc-section\" id=\"1_Apply_with_an_NBFC_Instead_of_a_Bank\"><\/span>1. <strong data-start=\"1507\" data-end=\"1547\">Apply with an NBFC Instead of a Bank<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p data-start=\"1549\" data-end=\"1721\">Banks follow strict credit norms. But <strong data-start=\"1587\" data-end=\"1630\">Non-Banking Financial Companies (NBFCs)<\/strong> are more flexible and often approve <strong data-start=\"1667\" data-end=\"1686\">low CIBIL loans<\/strong> at slightly higher interest rates.<\/p><h3 data-start=\"1723\" data-end=\"1776\"><span class=\"ez-toc-section\" id=\"2_Try_Peer-to-Peer_P2P_Lending_Platforms\"><\/span>2. <strong data-start=\"1732\" data-end=\"1776\">Try Peer-to-Peer (P2P) Lending Platforms<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p data-start=\"1778\" data-end=\"1962\">P2P platforms connect borrowers directly with individual lenders. These platforms consider other factors like income, job stability, and repayment capacity \u2014 not just your CIBIL score.<\/p><h3 data-start=\"1964\" data-end=\"2004\"><span class=\"ez-toc-section\" id=\"3_Show_Proof_of_Stable_Income\"><\/span>3. <strong data-start=\"1973\" data-end=\"2004\">Show Proof of Stable Income<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p data-start=\"2006\" data-end=\"2132\">If you can prove that you have a regular salary or stable income, lenders may approve your loan even with a poor credit score.<\/p><h3 data-start=\"2134\" data-end=\"2174\"><span class=\"ez-toc-section\" id=\"4_Apply_for_a_Low_Loan_Amount\"><\/span>4. <strong data-start=\"2143\" data-end=\"2174\">Apply for a Low Loan Amount<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p data-start=\"2176\" data-end=\"2292\">If you need a <b><a href=\"https:\/\/www.daytodayloan.com\/short-term-loan.php\">small loan<\/a><\/b> (like \u20b95,000 to \u20b950,000), some apps and platforms offer it <strong data-start=\"2260\" data-end=\"2291\">without strict CIBIL checks<\/strong>.<\/p><h3 data-start=\"2294\" data-end=\"2338\"><span class=\"ez-toc-section\" id=\"5_Get_a_Co-Applicant_or_Guarantor\"><\/span>5. <strong data-start=\"2303\" data-end=\"2338\">Get a Co-Applicant or Guarantor<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p data-start=\"2340\" data-end=\"2428\">Having a <strong data-start=\"2349\" data-end=\"2390\">co-applicant with a good credit score<\/strong> can boost your loan approval chances.<\/p><h2 data-start=\"2435\" data-end=\"2496\"><span class=\"ez-toc-section\" id=\"How_to_Get_Loan_with_Low_CIBIL_Score_Without_Collateral\"><\/span>How to Get Loan with Low CIBIL Score Without Collateral<span class=\"ez-toc-section-end\"><\/span><\/h2><p data-start=\"2498\" data-end=\"2600\">Many people ask, <strong data-start=\"2515\" data-end=\"2577\">\u201chow to get loan with low CIBIL score without collateral?\u201d<\/strong> Here are your options:<\/p><h3 data-start=\"2602\" data-end=\"2651\"><span class=\"ez-toc-section\" id=\"1_Use_Loan_Apps_Offering_Unsecured_Loans\"><\/span>1. <strong data-start=\"2609\" data-end=\"2651\">Use Loan Apps Offering Unsecured Loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p data-start=\"2653\" data-end=\"2811\">Several <strong data-start=\"2661\" data-end=\"2683\">loan apps in India<\/strong> offer small personal loans (\u20b91000 to \u20b91 lakh) <strong data-start=\"2730\" data-end=\"2763\">without asking for collateral<\/strong> or perfect credit score. Some examples include:<\/p><ul data-start=\"2813\" data-end=\"2864\"><li data-start=\"2813\" data-end=\"2826\"><p data-start=\"2815\" data-end=\"2826\">SmartCoin<\/p><\/li><li data-start=\"2827\" data-end=\"2838\"><p data-start=\"2829\" data-end=\"2838\">mPokket<\/p><\/li><li data-start=\"2839\" data-end=\"2853\"><p data-start=\"2841\" data-end=\"2853\">RupeeRedee<\/p><\/li><li data-start=\"2854\" data-end=\"2864\"><p data-start=\"2856\" data-end=\"2864\">Paysense<\/p><\/li><\/ul><blockquote data-start=\"2866\" data-end=\"2952\"><p data-start=\"2868\" data-end=\"2952\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/15.1.0\/svg\/2705.svg\" alt=\"\u2705\" \/> These are short-term, unsecured loans. You just need basic KYC and a bank account.<\/p><\/blockquote><h3 data-start=\"2954\" data-end=\"2995\"><span class=\"ez-toc-section\" id=\"2_Apply_for_Salary_Advance_Loans\"><\/span>2. <strong data-start=\"2961\" data-end=\"2995\">Apply for Salary Advance Loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p data-start=\"2997\" data-end=\"3122\">If you&#8217;re a salaried employee, some fintech companies provide <strong data-start=\"3059\" data-end=\"3083\">salary advance loans<\/strong> without checking your CIBIL in detail.<\/p><h3 data-start=\"3124\" data-end=\"3167\"><span class=\"ez-toc-section\" id=\"3_Gold_Loan_or_Secured_Credit_Line\"><\/span>3. <strong data-start=\"3131\" data-end=\"3167\">Gold Loan or Secured Credit Line<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p data-start=\"3169\" data-end=\"3370\">While not completely without collateral, gold loans require gold instead of credit score. If that\u2019s not an option, try secured credit lines (some fintech firms offer them against FD or wallet balance).<\/p><h2 data-start=\"3377\" data-end=\"3411\"><span class=\"ez-toc-section\" id=\"Tips_to_Improve_Your_Chances\"><\/span>Tips to Improve Your Chances<span class=\"ez-toc-section-end\"><\/span><\/h2><ul data-start=\"3413\" data-end=\"3626\"><li data-start=\"3413\" data-end=\"3447\"><p data-start=\"3415\" data-end=\"3447\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/15.1.0\/svg\/1f4c8.svg\" alt=\"\ud83d\udcc8\" \/> <strong data-start=\"3418\" data-end=\"3447\">Pay existing EMIs on time<\/strong><\/p><\/li><li data-start=\"3448\" data-end=\"3485\"><p data-start=\"3450\" data-end=\"3485\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/15.1.0\/svg\/1f4ca.svg\" alt=\"\ud83d\udcca\" \/> <strong data-start=\"3453\" data-end=\"3485\">Lower your credit card usage<\/strong><\/p><\/li><li data-start=\"3486\" data-end=\"3531\"><p data-start=\"3488\" data-end=\"3531\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/15.1.0\/svg\/1f4c3.svg\" alt=\"\ud83d\udcc3\" \/> <strong data-start=\"3491\" data-end=\"3531\">Dispute errors in your credit report<\/strong><\/p><\/li><li data-start=\"3532\" data-end=\"3576\"><p data-start=\"3534\" data-end=\"3576\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/15.1.0\/svg\/1f9fe.svg\" alt=\"\ud83e\uddfe\" \/> <strong data-start=\"3537\" data-end=\"3576\">Show income proofs, bank statements<\/strong><\/p><\/li><li data-start=\"3577\" data-end=\"3626\"><p data-start=\"3579\" data-end=\"3626\"><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/15.1.0\/svg\/1f4bc.svg\" alt=\"\ud83d\udcbc\" \/> <strong data-start=\"3582\" data-end=\"3626\">Avoid multiple loan applications at once<\/strong><\/p><\/li><\/ul><h2 data-start=\"4536\" data-end=\"4552\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2><p data-start=\"4554\" data-end=\"4950\">While a <strong data-start=\"4562\" data-end=\"4581\">low CIBIL score<\/strong> can reduce your chances of getting a <b><a href=\"https:\/\/www.daytodayloan.com\/blogs\/personal-loan-and-its-types\/\">personal loan<\/a><\/b> from traditional banks, you still have plenty of options. Focus on <strong data-start=\"4691\" data-end=\"4741\">NBFCs, P2P lenders, and small-ticket loan apps<\/strong> that allow borrowing <strong data-start=\"4763\" data-end=\"4785\">without collateral<\/strong> and don\u2019t solely rely on your credit score. Always borrow responsibly, repay on time, and start rebuilding your credit score for better opportunities in the future.<\/p><h2 data-start=\"3633\" data-end=\"3684\"><span class=\"ez-toc-section\" id=\"FAQs_How_to_Get_Loan_with_Low_CIBIL_Score\"><\/span>FAQs: How to Get Loan with Low CIBIL Score<span class=\"ez-toc-section-end\"><\/span><\/h2><h3 data-start=\"3686\" data-end=\"3741\"><span class=\"ez-toc-section\" id=\"1_Can_I_get_a_loan_if_my_CIBIL_score_is_below_600\"><\/span>1. Can I get a loan if my CIBIL score is below 600?<span class=\"ez-toc-section-end\"><\/span><\/h3><p data-start=\"3743\" data-end=\"3881\">Yes, some NBFCs and loan apps offer loans even if your score is below 600. You may need to show income proof or apply with a co-applicant.<\/p><h3 data-start=\"3883\" data-end=\"3942\"><span class=\"ez-toc-section\" id=\"2_What_is_the_minimum_CIBIL_score_for_a_personal_loan\"><\/span>2. What is the minimum CIBIL score for a personal loan?<span class=\"ez-toc-section-end\"><\/span><\/h3><p data-start=\"3944\" data-end=\"4038\">Most banks prefer a score above 700, but NBFCs may approve loans for scores as low as 550\u2013600.<\/p><h3 data-start=\"4040\" data-end=\"4084\"><span class=\"ez-toc-section\" id=\"3_Can_I_get_a_loan_without_CIBIL_score\"><\/span>3. Can I get a loan without CIBIL score?<span class=\"ez-toc-section-end\"><\/span><\/h3><p data-start=\"4086\" data-end=\"4189\">Yes. If you are new to credit (NTC), some lenders provide loans based on income, employer, or location.<\/p><h3 data-start=\"4191\" data-end=\"4254\"><span class=\"ez-toc-section\" id=\"4_How_to_get_loan_with_low_CIBIL_score_without_collateral\"><\/span>4. How to get loan with low CIBIL score without collateral?<span class=\"ez-toc-section-end\"><\/span><\/h3><p data-start=\"4256\" data-end=\"4367\">Use trusted loan apps, P2P platforms, or salary advance services that offer unsecured loans without collateral.<\/p><h3 data-start=\"4369\" data-end=\"4429\"><span class=\"ez-toc-section\" id=\"5_Will_taking_a_small_loan_help_improve_my_CIBIL_score\"><\/span>5. Will taking a small loan help improve my CIBIL score?<span class=\"ez-toc-section-end\"><\/span><\/h3><p data-start=\"4431\" data-end=\"4529\">Yes. Timely repayment of small loans or credit cards can help improve your credit score over time.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b8149ce e-flex e-con-boxed e-con e-parent\" data-id=\"b8149ce\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c99172 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"8c99172\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.daytodayloan.com\/apply-now.php?utm_source=blogs\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply For Personal Loan<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-671cd29 e-flex e-con-boxed e-con e-parent\" data-id=\"671cd29\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d0b073 elementor-widget elementor-widget-text-editor\" data-id=\"3d0b073\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"4957\" data-end=\"4973\"><strong>Disclaimer<\/strong><\/p><p data-start=\"4975\" data-end=\"5318\"><strong>This blog is for informational purposes only. We do not offer loans or endorse any particular lender or app. Please read all terms and conditions carefully before applying for any loan. Loan approval is subject to the lender\u2019s eligibility criteria, credit assessment, and risk evaluation. Borrow only if you are confident of repayment.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Getting a loan with a low CIBIL score might seem difficult, but it\u2019s not impossible. If your credit score is below 650, many banks may reject your application. But don\u2019t worry \u2014 there are alternative ways and lenders who still offer loans to people with low or poor credit scores. In this article, we\u2019ll explain [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":761,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46,40],"tags":[132,133,134],"class_list":["post-760","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cibil-score","category-personal-loan","tag-how-to-get-loan-with-low-cibil-score","tag-how-to-get-loan-with-low-cibil-score-in-india","tag-how-to-get-loan-with-low-cibil-score-without-collateral"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Get Loan with Low CIBIL Score in India? - DayToDayLoan<\/title>\n<meta name=\"description\" content=\"Wondering how to get loan with low CIBIL score? Discover smart ways to secure a loan even with a bad credit score. No collateral?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Get Loan with Low CIBIL Score in India? - DayToDayLoan\" \/>\n<meta property=\"og:description\" content=\"Wondering how to get loan with low CIBIL score? Discover smart ways to secure a loan even with a bad credit score. No collateral?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/\" \/>\n<meta property=\"og:site_name\" content=\"DayToDayLoan\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/daytodayloan\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-30T07:44:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-30T07:56:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.daytodayloan.com\/blogs\/wp-content\/uploads\/2025\/06\/How-to-Get-Loan-with-Low-CIBIL-Score.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"DTD\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"DTD\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/\",\"url\":\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/\",\"name\":\"How to Get Loan with Low CIBIL Score in India? - DayToDayLoan\",\"isPartOf\":{\"@id\":\"https:\/\/www.daytodayloan.com\/blogs\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.daytodayloan.com\/blogs\/wp-content\/uploads\/2025\/06\/How-to-Get-Loan-with-Low-CIBIL-Score.jpg\",\"datePublished\":\"2025-06-30T07:44:03+00:00\",\"dateModified\":\"2025-06-30T07:56:53+00:00\",\"author\":{\"@id\":\"https:\/\/www.daytodayloan.com\/blogs\/#\/schema\/person\/12c73dc3caf27ac5109432e58586f59c\"},\"description\":\"Wondering how to get loan with low CIBIL score? Discover smart ways to secure a loan even with a bad credit score. No collateral?\",\"breadcrumb\":{\"@id\":\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#primaryimage\",\"url\":\"https:\/\/www.daytodayloan.com\/blogs\/wp-content\/uploads\/2025\/06\/How-to-Get-Loan-with-Low-CIBIL-Score.jpg\",\"contentUrl\":\"https:\/\/www.daytodayloan.com\/blogs\/wp-content\/uploads\/2025\/06\/How-to-Get-Loan-with-Low-CIBIL-Score.jpg\",\"width\":1200,\"height\":628,\"caption\":\"How to Get Loan with Low CIBIL Score\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Blogs\",\"item\":\"https:\/\/www.daytodayloan.com\/blogs\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to Get Loan with Low CIBIL Score in India?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.daytodayloan.com\/blogs\/#website\",\"url\":\"https:\/\/www.daytodayloan.com\/blogs\/\",\"name\":\"DayToDayLoan\",\"description\":\"Everything About Personal Loans\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.daytodayloan.com\/blogs\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.daytodayloan.com\/blogs\/#\/schema\/person\/12c73dc3caf27ac5109432e58586f59c\",\"name\":\"DTD\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.daytodayloan.com\/blogs\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/34a9da96ec6ab18f065822931aed13533d318cfe9050a71cb6b75c5b2cc265dc?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/34a9da96ec6ab18f065822931aed13533d318cfe9050a71cb6b75c5b2cc265dc?s=96&d=mm&r=g\",\"caption\":\"DTD\"},\"description\":\"DayToDayLoan: Get collateral-free personal loans up to \u20b91 lakh for travel, shopping, home renovation, or medical emergencies\u2014no hidden charges. Enjoy quick approval, minimal paperwork, and flexible repayments. Our digital process ensures funds hit your account within hours! Affordable, transparent, and tailored for your needs.\",\"sameAs\":[\"https:\/\/www.daytodayloan.com\/blogs\",\"https:\/\/www.facebook.com\/daytodayloan\",\"https:\/\/www.instagram.com\/daytodayloan\/\",\"https:\/\/www.linkedin.com\/company\/daytodayloan\/\",\"https:\/\/soundcloud.com\/daytodayloanindia\"],\"url\":\"https:\/\/www.daytodayloan.com\/blogs\/author\/dtd\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to Get Loan with Low CIBIL Score in India? - DayToDayLoan","description":"Wondering how to get loan with low CIBIL score? Discover smart ways to secure a loan even with a bad credit score. No collateral?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/","og_locale":"en_US","og_type":"article","og_title":"How to Get Loan with Low CIBIL Score in India? - DayToDayLoan","og_description":"Wondering how to get loan with low CIBIL score? Discover smart ways to secure a loan even with a bad credit score. No collateral?","og_url":"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/","og_site_name":"DayToDayLoan","article_author":"https:\/\/www.facebook.com\/daytodayloan","article_published_time":"2025-06-30T07:44:03+00:00","article_modified_time":"2025-06-30T07:56:53+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/www.daytodayloan.com\/blogs\/wp-content\/uploads\/2025\/06\/How-to-Get-Loan-with-Low-CIBIL-Score.jpg","type":"image\/jpeg"}],"author":"DTD","twitter_card":"summary_large_image","twitter_misc":{"Written by":"DTD","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/","url":"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/","name":"How to Get Loan with Low CIBIL Score in India? - DayToDayLoan","isPartOf":{"@id":"https:\/\/www.daytodayloan.com\/blogs\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#primaryimage"},"image":{"@id":"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#primaryimage"},"thumbnailUrl":"https:\/\/www.daytodayloan.com\/blogs\/wp-content\/uploads\/2025\/06\/How-to-Get-Loan-with-Low-CIBIL-Score.jpg","datePublished":"2025-06-30T07:44:03+00:00","dateModified":"2025-06-30T07:56:53+00:00","author":{"@id":"https:\/\/www.daytodayloan.com\/blogs\/#\/schema\/person\/12c73dc3caf27ac5109432e58586f59c"},"description":"Wondering how to get loan with low CIBIL score? Discover smart ways to secure a loan even with a bad credit score. No collateral?","breadcrumb":{"@id":"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#primaryimage","url":"https:\/\/www.daytodayloan.com\/blogs\/wp-content\/uploads\/2025\/06\/How-to-Get-Loan-with-Low-CIBIL-Score.jpg","contentUrl":"https:\/\/www.daytodayloan.com\/blogs\/wp-content\/uploads\/2025\/06\/How-to-Get-Loan-with-Low-CIBIL-Score.jpg","width":1200,"height":628,"caption":"How to Get Loan with Low CIBIL Score"},{"@type":"BreadcrumbList","@id":"https:\/\/www.daytodayloan.com\/blogs\/how-to-get-loan-with-low-cibil-score\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Blogs","item":"https:\/\/www.daytodayloan.com\/blogs\/"},{"@type":"ListItem","position":2,"name":"How to Get Loan with Low CIBIL Score in India?"}]},{"@type":"WebSite","@id":"https:\/\/www.daytodayloan.com\/blogs\/#website","url":"https:\/\/www.daytodayloan.com\/blogs\/","name":"DayToDayLoan","description":"Everything About Personal Loans","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.daytodayloan.com\/blogs\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.daytodayloan.com\/blogs\/#\/schema\/person\/12c73dc3caf27ac5109432e58586f59c","name":"DTD","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.daytodayloan.com\/blogs\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/34a9da96ec6ab18f065822931aed13533d318cfe9050a71cb6b75c5b2cc265dc?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/34a9da96ec6ab18f065822931aed13533d318cfe9050a71cb6b75c5b2cc265dc?s=96&d=mm&r=g","caption":"DTD"},"description":"DayToDayLoan: Get collateral-free personal loans up to \u20b91 lakh for travel, shopping, home renovation, or medical emergencies\u2014no hidden charges. Enjoy quick approval, minimal paperwork, and flexible repayments. Our digital process ensures funds hit your account within hours! Affordable, transparent, and tailored for your needs.","sameAs":["https:\/\/www.daytodayloan.com\/blogs","https:\/\/www.facebook.com\/daytodayloan","https:\/\/www.instagram.com\/daytodayloan\/","https:\/\/www.linkedin.com\/company\/daytodayloan\/","https:\/\/soundcloud.com\/daytodayloanindia"],"url":"https:\/\/www.daytodayloan.com\/blogs\/author\/dtd\/"}]}},"_links":{"self":[{"href":"https:\/\/www.daytodayloan.com\/blogs\/wp-json\/wp\/v2\/posts\/760","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.daytodayloan.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.daytodayloan.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.daytodayloan.com\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.daytodayloan.com\/blogs\/wp-json\/wp\/v2\/comments?post=760"}],"version-history":[{"count":7,"href":"https:\/\/www.daytodayloan.com\/blogs\/wp-json\/wp\/v2\/posts\/760\/revisions"}],"predecessor-version":[{"id":769,"href":"https:\/\/www.daytodayloan.com\/blogs\/wp-json\/wp\/v2\/posts\/760\/revisions\/769"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.daytodayloan.com\/blogs\/wp-json\/wp\/v2\/media\/761"}],"wp:attachment":[{"href":"https:\/\/www.daytodayloan.com\/blogs\/wp-json\/wp\/v2\/media?parent=760"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.daytodayloan.com\/blogs\/wp-json\/wp\/v2\/categories?post=760"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.daytodayloan.com\/blogs\/wp-json\/wp\/v2\/tags?post=760"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}