Best for Low / New Credit Score in India (2026)

A thin or low CIBIL score makes loans harder to get. These lenders are more flexible on credit history — expect higher rates, and borrow carefully.

Our top pick for this is moneyview — A popular instant-loan app with flexible eligibility, lending from ₹5,000 to ₹10 lakh quickly even to borrowers with a limited credit history — handy for small to mid-sized needs.

#NameScoreInterest Rate (p.a.)Loan AmountProcessing FeeDisbursal
4moneyview8.5/1014%–36%₹5k–₹10L2%–8%Instant–24 hrs
5KreditBee8.3/1012%–29.95%₹6k–₹10L₹85–6.5%~10 min
10Stashfin7.5/1011.99%–59.99%₹1k–₹5LUp to 10%Instant
4

moneyview

A popular instant-loan app with flexible eligibility, lending from ₹5,000 to ₹10 lakh quickly even to borrowers with a limited credit history — handy for small to mid-sized needs.

8.5
/ 10
Interest Rate (p.a.)
14%–36%
Loan Amount
₹5k–₹10L
Processing Fee
2%–8%
Disbursal
Instant–24 hrs
  • Flexible eligibility & quick approval
  • Wide loan range
  • Good for limited credit history
  • Higher rates for weak profiles
  • Processing fee can be steep
  • App-based servicing
Check rate Official site
5

KreditBee

A small-ticket specialist that disburses in minutes, lending from ₹6,000 up to ₹10 lakh — particularly accessible for young and new-to-credit borrowers needing fast cash.

8.3
/ 10
Interest Rate (p.a.)
12%–29.95%
Loan Amount
₹6k–₹10L
Processing Fee
₹85–6.5%
Disbursal
~10 min
  • Very fast small-ticket loans
  • Accessible to new-to-credit users
  • Fully digital
  • High APR on small loans
  • Fees vary by product
  • Short tenures on small amounts
Check rate Official site
10

Stashfin

A credit-line app that lends to a wide range of profiles, including thinner credit files, from ₹1,000 up to ₹5 lakh — accessible, but read the rate carefully as it can run high.

7.5
/ 10
Interest Rate (p.a.)
11.99%–59.99%
Loan Amount
₹1k–₹5L
Processing Fee
Up to 10%
Disbursal
Instant
  • Accessible to varied credit profiles
  • Small minimum ticket
  • Instant credit line
  • APR can be very high
  • Fees can be steep
  • Read terms carefully
Check rate Official site

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Rates and fees indicative as of June 2026 and depend on your profile — confirm with the lender before borrowing. Borrow only from RBI-registered lenders and only what you can repay. Information only, not financial advice.