Short answer: Lenders that state flexible score rules include KreditBee, BharatLoan, FlexSalary, Fibe and PaySense. Moneyview, Bajaj Finance and Freo state 650; banks and large NBFCs usually want 700 to 750+. A low score usually means a higher rate, so compare the APR.
Last verified: 12 October 2026 from each lender’s official website and, where marked, its Google Play listing. FundsTiger does not rank lenders; tables are sorted by the figure in question, and the right choice is the one with the lowest APR you are actually offered.
| App or lender | Stated credit score rule | Starting rate | Type |
|---|---|---|---|
| KreditBee | Says low-CIBIL applicants may qualify | 12% to 27.5% a year | App |
| Fibe | New-to-credit applicants accepted | From 18% a year | App |
| PaySense | No credit history accepted | 1.4% to 2.3% a month | App |
| LazyPay | Based on your LazyPay history | Usually 15% to 32% a year | App |
| BharatLoan | Targets lower credit scores | Fixed 35% a year, depending on profile | App |
| FlexSalary | Says a low score is not a deal-breaker | 18% to 42% a year | App |
| Branch | Reviewed holistically; no salary slip needed | 12% to 66% a year | App |
| Moneyview | 650 | From 14% a year | App |
| Freo (MoneyTap) | 650 | From 12% a year | App |
| Bajaj Finance | 650+ | 10% to 30.5% a year | NBFC |
| Kotak Mahindra Bank | 685 to 750+ | From 10.99% a year | Bank |
| Poonawalla Fincorp | 700+ | From 9.99% a year | NBFC |
| Aditya Birla Capital | 700 to 750+ | From 10.99% a year | NBFC |
| ICICI Bank | 700 to 750+ preferred | From 9.99% a year | Bank |
| IDFC FIRST Bank | 710+ | From 9.99% a year | Bank |
| Hero FinCorp | 725+ preferred | From 17.9% a year | NBFC |
| Tata Capital | 725+ preferred | From 10.99% a year | NBFC |
| Stashfin | 730 (700 to 729 possible) | 11.99% to 36% a year after a 0% first 30 days | App |
| L&T Finance | 750+ for low rates; below 650 likely declined | From 10.5% a year | NBFC |
Rules without a number are sorted first. Scores are as each lender states them; most decide case by case.
Options that do not depend on your score
Gold loans (Manappuram says no CIBIL requirement) and loans against mutual funds (Volt Money says no CIBIL criteria) are secured, so the score matters less. See our guides for CIBIL 600, CIBIL 650 and improving your score.
Compare them side by side
KreditBee vs Moneyview · Moneyview vs Fibe · KreditBee vs Fibe · Kissht vs KreditBee · PaySense vs Moneyview · Bajaj Finance vs Tata Capital · Tata Capital vs Poonawalla Fincorp · Poonawalla Fincorp vs Bajaj Finance · InCred vs Moneyview · True Balance vs KreditBee · mPokket vs KreditBee · CASHe vs Fibe · All comparisons
Before you apply
- Find the lender’s name in the app and check it on RBI’s list of digital lending apps or our RBI-registered NBFC search.
- Read the Key Fact Statement (KFS) before you accept. It must show the APR, every fee and the total you will repay.
- Never pay a fee before the loan is disbursed. Regulated lenders deduct fees from the loan or add them to the EMI.
- Apply to one or two lenders, not ten. Each application is a hard enquiry on your credit report.
- Check that the EMI fits your budget with our FOIR calculator.
Want to see offers from several RBI-regulated lenders in one place?
Frequently asked questions
What is the minimum CIBIL score for a loan app?
There is no single rule. Moneyview and Freo state 650; Stashfin 730; banks often want 700 to 750+. Some apps say they consider low scores, usually at higher rates.
Will applying to many apps lower my score?
Yes. Each application is a hard enquiry. Check eligibility with apps that use a soft check first, such as Fibe.
More guides: Which Loan App for Self-Employed · Which Loan App Without a Salary Slip · Which Loan App for First-Time Borrowers · Which Loan App for Low CIBIL Score · Which Loan App Has No Foreclosure Charges · Which Loan App Has the Lowest Processing Fee · Which Loan App Has the Lowest Interest Rate · Which Loan App Gives the Longest Tenure · Which Loan App for a Short-Term Loan · Which Loan App Gives a Credit Line · Which Loan App for ₹1 lakh · Which Loan App for ₹2 lakh · Which Loan App for ₹5 lakh · Which Loan App for ₹10 lakh · Which Loan App for Age Above 55 · Which Gold Loan App · Which App for Loan Against Mutual Funds · All guides
Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.