Looking for a personal loan without a CIBIL score in 2025? Here’s how you can get up to ₹50,000 instantly through top loan apps. No credit history needed.
First, What’s a “Bad” CIBIL Score?
Let’s keep it simple:
- CIBIL scores range from 300 to 900
- A score above 700 is considered “good”
- Anything below 600 is seen as risky by most banks
- No score or 0 score? That means you’ve never taken credit before
Apps That Offer Loans Without CIBIL Score in 2025
Yes, these exist. These loan apps either don’t check your CIBIL score at all, or they give loans even if your score is poor.
Here’s a list of some popular apps and NBFCs offering loans without strict CIBIL requirements:
- Shriram Finance
- Cash App
- CreditBee
- Badi Loan
- Home Credit
- mPokket
- StarP
- JP Loan
- Bajaj Finance
- Tata Capital
- IIFL Finance
Documents You’ll Need
Keep these ready before you apply:
- Aadhaar Card
- PAN Card
- Voter ID
- Last 3 months’ bank statements
- Salary slips (if salaried)
- Passport-size photo
- Mobile number linked to Aadhaar
Who Can Apply for a Loan Without CIBIL Score?
Think you might not qualify? Don’t assume. Check the basic eligibility:
- You must be an Indian citizen
- Your age should be 18+
- You should have a monthly income of at least ₹12,000
- You must have a valid bank account
- You must not be a loan defaulter in any other bank
- And yes, Aadhar-linked mobile number is required
How to Apply for a Personal Loan Without CIBIL Score (Step-by-Step
You don’t need to go anywhere. Just follow these steps on your phone:
- Download any one of the apps listed above (like CreditBee or mPokket)
- Sign up with your phone number and basic details
- On the home screen, choose the “Personal Loan” option
- The app will show you loan options—even if your CIBIL score is low or 0
- Tap “Apply Now”
- Fill in your loan application form
- Complete KYC using Aadhaar OTP
- Upload your documents
- Set up e-mandate for repayment (auto-debit)
- Submit the application