Low Cibil Score Loan Apps 2024: कम सिबिल पर लोन आज सोचा, अभी मिला, न लगेगा कोई कागज न इनकम प्रूफ

Low Cibil Score Loan Apps 2024: In today’s digital age, obtaining a personal loan without visiting a bank branch or having a high credit score is no longer a challenge. With the rise of smartphone apps, individuals can now apply for loans online without undergoing a credit check. Many such apps are affiliated with Non-Banking Financial Companies (NBFCs) and offer the convenience of applying for loans and submitting KYC documents from the comfort of your home. Once your ों; loan will be approved by the administration, the amount of the loan will be directly transferred into your bank account.

If your credit score is low and you need a loan, then you can apply for the below loan applications, these apps are RBI-approved loan apps, which is why you don’t need to worry about the security of the loan app, even if your details will also remain confidential. These Low Cibil Score Loan Apps 2024 will provide you loan without asking for a good credit score, so not wait more, if you need a loan apply now!

Low Cibil Score Loan Apps 2024 List

RapidRupee Loan App

RapidRupee makes it easy to bridge your financial gaps. You don’t need a credit score, just a minimum income of Rs. 10,000 to apply, this app is the only instant loan apps that welcome both salaried and self-employed applicants. This ensures quick access to loans in India.

Loan Amount, Repayment Period, and Extra Information:

  • Maximum Annual Percentage Rate (APR) including interest rate and fees: 35.9%.
  • Monthly Interest Rate: 1% (equivalent to an annual rate of 12%).

Features of RapidRupee loan app

  • You can avail an Instant personal loan of rupees ₹1,000 to ₹60,000
  • Approval in just 30 minutes
  • No credit score required
  • Repayment period from 3 to 12 months
  • Processing fee starting from just ₹349
  • No membership or upfront fees

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Let’s Understand It With An Example

If you apply online for an instant loan with a principal amount of ₹60,000 at an interest rate of 12% per annum, a processing fee of 4,499, and a duration of 365 days, the total cost of the loan would be ₹60,000 x 12 /100 + ₹4,499 = ₹11,699.

MoneyTap loan App

MoneyTap is designed for those who need easy, flexible access to financial assistance. MoneyTap loan offers you a personal loan starting from Rs. 3000 up to Rs. 5 lakhs, with an interest rate of 21.6% per annum. MoneyTap is here to fulfill your financial needs. Whether big or small, MoneyTap provides flexible loan tenure options from 2 to 36 months.

Interest Rate and Tenure of The Loan

  • Personal Loan Interest Rate: 1.08% per month
  • Loan amount: ₹3000/- to ₹5,00,000/-
  • Tenure: 2 to 36 months

Eligibility Criteria for MoneyTap Personal Loan

Here blow we have provided you the eligibility criteria for MoneyTap personal loan, check the table below:

Age of the candidateAt least 23 years old
Income LevelMinimum of 30,000
EmploymentEmployed or self-employed

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Navi Loan App

Navi offers personal loans at an initial interest rate of 9.9% per year. They provide digital personal loans for up to 20 lakh rupees for 6 years. You can apply for a personal loan through the Navi App without paying any processing fees. No documents are required for the loan; the entire process is based on your PAN number and Aadhaar number. Approval for Navi personal loans is quick, usually within 10 minutes, and the loan amount is transferred directly to your bank account.

Details about Navi loan application

Interest Rate9.9% – 45% per year
Loan AmountUp to ₹20 lakh
Loan DurationUp to 6 years
Processing FeeZero

Eligibility Criteria for Loan

To qualify for an instant personal loan from Navi FinServ, you need to meet the following eligibility criteria:

  • Age of Indian citizen: Between 21 to 65 years old
  • Minimum Income: Annual income of ₹3 lakh or more for both salaried and self-employed applicants

FlexPay loan application

FlexPay is an app that gives customers the ability to borrow up to 2 lakh rupees online. It’s provided by FlexPay, from Vivifi India Finance Pvt. Ltd. With this app, you can get a loan for a duration ranging from 10 months to 36 months. FlexPay provides loans to salaried employees.

Information about Flexpay Loan

Loan AmountUp to 2 lakhs
Loan TypePersonal Loan
Loan Repayment Time10 to 36 months
Interest RateAnnual: 18% to 36.5%
Certified ByNBFC and RBI

Let’s understand Flexpay loan by an example

For a loan amount of ₹50,000 for 36 months at an annual interest rate of 29%, the maximum Annual Percentage Rate (APR) would be 31.16%. There will be a one-time processing fee of ₹1,000 for the loan at the time of the first disbursement. The flexible monthly installments have a minimum due amount of ₹2,054. Therefore, at the end of 36 months, a total payment of ₹74,872 will be required.

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