Loan for Low CIBIL Score
Personal loan even with a low CIBIL score
A low or missing credit score doesn't mean you can't repay. We underwrite on your salary credits and banking behaviour as well as your bureau report.
- ₹8,000 – ₹75,000
- 7–365 day tenure
- Decision in ~10 minutes
- No prepayment charges
Soft check only: your score stays untouched
Apply for your loan
Check your offer in 2 minutes.
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Loans by Salora Capital Limited, RBI-registered NBFC (CoR N-13.01855).
Estimate the cost firstCalculator
Price your low cibil loan
Move the sliders or type a figure. Every cost updates live.
Your estimate
- Principal Amount
- ₹20,000
- Interest AmountSimple interest on the principal
- ₹334
Estimate only. GST on the processing fee and your exact figures are shown in your Key Fact Statement before you accept.
What is a loan for low cibil score?
Banks often reject applicants below a fixed score cut-off. We take a wider view: how regularly your salary is credited, how you manage your account balance, and whether existing EMIs fit comfortably in your income.
Repaying a small loan on time is reported to credit bureaus and can help rebuild your score. Many customers start with a smaller first limit that grows with each on-time repayment.
Best for
First-time borrowers with no credit history
Applicants with a past late payment who now have stable income
Young professionals in their first or second job
Key facts
Loan for Low CIBIL Score at a glance
The same transparent pricing applies to every product.
- Loan amount
- ₹8,000 – ₹75,000
- Tenure
- 7 – 365 days
- Interest
- 1.67% per month
- Processing fee
- 1.18% (incl. GST)
- Prepayment charge
- ₹0
- Min. salary
- ₹30,000/month
The process
How the low cibil loan works
- Step 1 · ~1 min
Confirm your number
A one-time code checks it’s really you. Then add your salary and employer name.
- Step 2 · ~3 min
Prove it’s you, digitally
Aadhaar eKYC, a quick live selfie, and three months of salary credits shared through Account Aggregator.
- Step 3 · Decision ~10 min
Read the KFS, then sign
Your Key Fact Statement lists the rupee cost, APR and due date. Happy with it? E-sign in one tap.
- Step 4 · Same day
Funds land, payday settles it
The lender pays into your salary account. On payday, one UPI payment or auto-debit closes the loan.
Eligibility & documents
Do you qualify?
Who can apply
- Indian resident, 21–55 yearsWith a valid PAN and Aadhaar
- Salaried, full-timePrivate company, PSU or government. Self-employed not yet supported.
- Net salary ₹30,000+ per monthCredited to your bank account, not paid in cash
- Serviceable pincodeMajor metros and Tier 1–2 cities. We'll confirm at sign-up.
What to have on hand
- PAN cardVerified instantly, no upload needed
- Aadhaar-linked mobileFor paperless eKYC by OTP
- 3 months' salary statementFetched securely via Account Aggregator, or a PDF upload
- A live selfieTaken in the browser, for your security
FAQs
Loan for Low CIBIL Score FAQs
What is the minimum CIBIL score required?
There's no single cut-off. Your salary, banking history and existing obligations are assessed together. A low score is not an automatic rejection.
Will checking my eligibility lower my score further?
No. Checking your offer uses a soft enquiry. A hard enquiry happens only if you proceed with the loan.
Can this loan improve my credit score?
Yes. On-time repayments are reported to credit bureaus, which can help build a positive history over time.
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Your salary, a little early.
Check your offer in 2 minutes. It’s free and won’t affect your credit score. Once your loan is disbursed, Salora Capital Limited reports it to the credit bureaus every month.
Loans by Salora Capital Limited, RBI-registered NBFC (CoR N-13.01855).