Financial emergencies don’t knock before arriving. Whether it’s a medical bill, an urgent home repair, or managing month-end cash flow, personal loans are often the go-to solution. But what if your CIBIL score isn’t so great?
Thankfully, in 2025, India’s booming fintech ecosystem has made borrowing easier and faster than ever. Several loan apps now offer instant personal loans even to those with low or no CIBIL scores. These platforms use alternate credit assessment methods, require minimal documentation, and disburse funds quickly—often within a few hours.
Below is a curated list of the best personal loan apps in India that offer quick approvals with flexible terms, especially for low-credit-score users.
1. EarlySalary (Now Fibe)
EarlySalary, now known as Fibe, is a trusted platform for salaried individuals who need fast credit. With a focus on speed and convenience, it doesn’t rely heavily on your CIBIL score to approve loans.
- Loan Amount: ₹5,000 to ₹5 lakh
- Tenure: Up to 24 months
- Interest Rate: Starts at 12% p.a.
- Approval Time: Instant approval, same-day disbursal
It’s ideal for salaried professionals with a stable income but a limited or poor credit score.
2. KreditBee
KreditBee is a popular choice among millennials and first-time borrowers. Whether you’re fresh out of college or have recently joined a job, KreditBee gives you quick access to funds.
- Loan Amount: ₹1,000 to ₹5 lakh
- Tenure: 3 to 24 months
- Interest Rate: 16% to 30% p.a.
Documentation is minimal, and even those with a low credit score can qualify.
3. MoneyTap
MoneyTap is different from traditional loan apps—it provides a personal credit line. You can borrow as needed and pay interest only on what you use, making it extremely cost-effective.
- Loan/Credit Line: ₹3,000 to ₹5 lakh
- Tenure: 2 to 36 months
- Interest Rate: Starts from 13% p.a.
This is a good choice if you want borrowing flexibility without committing to a full loan upfront.
4. mPokket
For students and new earners, mPokket offers small, short-term loans with minimal eligibility checks. If you’re facing an urgent need for ₹500 to ₹45,000, this app is worth checking out.
- Loan Amount: ₹500 to ₹45,000
- Tenure: 61 days to 12 months
- Interest Rate: Up to 48% p.a.
It’s fast, simple, and doesn’t require a good credit score.
5. FlexSalary
FlexSalary is a unique offering that works like a personal overdraft. It’s especially helpful if you need flexibility in repayments, since it doesn’t follow the traditional EMI structure.
- Loan Amount: Up to ₹2 lakh
- Tenure: Open-ended, based on repayment
- Interest Rate: 18% – 30% p.a.
This is ideal for salaried individuals with fluctuating expenses and irregular financial obligations.
Final Thoughts
Having a low CIBIL score doesn’t mean you’re out of options. Thanks to these new-age loan apps, getting a personal loan in India is now simpler, faster, and less stressful. Each of the platforms above has its strengths—from instant approvals and flexible repayment options to leniency toward credit scores.
Just remember: while these apps offer easy access to credit, it’s essential to borrow responsibly. Always read the terms and conditions carefully, check the interest rates and processing fees, and make sure you have a solid plan for repayment.
With the right approach, a personal loan—even with a low credit score—can help you regain control of your finances and build a better credit history for the future.