Top 2 Loan App For Bad Cibil Score 2025: Best Loan App
Aaj ke time mein, financial needs kabhi bhi aur kisi ke liye bhi aa sakti hain. Chaahe sudden medical expenses ho, kids ki school fees ho, ya koi personal zarurat, paiso ki need jaldi pad sakti hai. Lekin agar aapka CIBIL score low hai, toh traditional banks se loan lena mushkil ho jata hai. Par tension mat lo! 2025 mein technology ne is problem ka solution nikaal diya hai. Kaafi saare digital loan apps available hain jo low CIBIL score waalon ko bhi instant loan dete hain. Is article mein hum baat karenge 2025 ke do best loan apps—Loan App 1 aur Loan App 2—jo bad CIBIL score waalon ke liye awesome financial help dete hain. Hum in apps ki features, eligibility, interest rates, aur application process ko detail mein cover karenge, taaki aap apni needs ke liye best option choose kar sako.
Bad CIBIL Score Kya Hai Aur Loan Lene Mein Kaise Asar Daalta Hai?
CIBIL score ek 3-digit number hai (300 se 900 ke beech) jo aapki credit history aur financial reliability ko show karta hai. 750 ya usse zyada score ko good maana jata hai, lekin 600 se kam score ko bad ya poor consider kiya jata hai. Low CIBIL score waalon ko banks aur traditional financial institutions se loan milna tough hota hai, kyunki yeh risk ka sign hai. But, kuch loan apps income stability aur doosre factors ko priority dete hain aur low CIBIL score waalon ko bhi loan offer karte hain.
2025 mein, digital loan apps ne low CIBIL score waalon ke liye financial solutions ko super easy bana diya hai. Yeh apps fast loan approval, minimum documentation, aur flexible repayment options dete hain. Chalo, ab dekhte hain Loan App 1 aur Loan App 2 ki details.
Loan App 1: Low CIBIL Score Ke Liye Ek Solid Option
Loan App 1 ek badi non-banking financial company (NBFC) dwara chalaaya jaata hai, jo low CIBIL score waalon ke liye different types ke loans offer karta hai. Yeh app apni transparency, quick loan approval, aur user-friendly interface ke liye famous hai. Agar aapko urgent financial help chahiye—personal expenses ya business needs ke liye—yeh app perfect hai.
Loan App 1 Ki Features
- Loan Types:
- Instant Small Personal Loan: Chhoti needs ke liye, starting from ₹50,000.
- Personal Loan: Bina kisi security ke up to ₹50 lakh, medical bills, shaadi, ya personal expenses ke liye.
- Business Loan: Business expansion, working capital, ya equipment purchase ke liye up to ₹50 lakh.
- Professional Loan: Doctors, chartered accountants, aur doosre professionals ke liye up to ₹50 lakh.
- Pre-Owned Car Loan: Up to ₹75 lakh, with funding up to car ka full value.
- Loan Against Property: Up to ₹25 crore, with 80% loan-to-value (LTV) ratio.
- Medical Equipment Loan: Medical professionals ke liye up to ₹10 crore.
- Interest Rates:
- Personal Loan: Starting from 9.99% per year.
- Business Loan: Starting from 15% per year.
- Professional Loan: Starting from 9.99% per year.
- Pre-Owned Car Loan: Starting from 11% per year.
- Loan Against Property: Starting from 9% per year.
- Medical Equipment Loan: Starting from 9.99% per year. Note: Interest rates aapke credit profile, income, aur doosre factors ke basis pe 9.99% se 36% tak ho sakti hain.
- Processing Fees:
- Personal Loan: Loan amount ka 2% tak + GST.
- Business Loan: Approved amount ka 3% tak + GST.
- Professional Loan: Approved amount ka 2% tak + GST.
- Pre-Owned Car Loan: Approved amount ka 1% + GST.
- Loan Against Property: Approved amount ka 1% tak + GST.
- Medical Equipment Loan: Approved amount ka 1% tak + GST.
- Repayment Tenure:
- Personal Loan: Up to 5 years.
- Business Loan: Up to 3 years.
- Professional Loan: Up to 60 months.
- Pre-Owned Car Loan: Flexible tenure.
- Loan Against Property: Up to 15 years.
- Medical Equipment Loan: Up to 84 months.
- No Hidden Charges: Yeh app fully transparent hai, koi chhupi fees nahi.
- Minimal Documentation: Bas KYC documents (PAN card, Aadhaar), income proof (bank statement, salary slip), aur address proof.
- Free CIBIL Score Check: Is app pe aap free mein apna CIBIL score check kar sakte ho.
- 100% Digital Process: Application se leke disbursement tak sab online.
Eligibility Criteria
- Age: 21 se 60 years loan maturity ke time pe.
- Citizenship: Indian citizen.
- Income: Minimum monthly income ₹30,000.
- Work Experience: Kam se kam 1 year ka experience aur current employer ke saath 1 month ka continuity.
- CIBIL Score: 750+ score preferred, lekin low CIBIL score waalon ko bhi income stability ke basis pe loan mil sakta hai.
Application Process
- App Download Karo: Google Play Store ya Apple App Store se app download karo.
- Login Karo: Apne mobile number aur date of birth ke saath login karo.
- Loan Select Karo: Apni need ke hisaab se loan type choose karo.
- Details Fill Karo: PAN number, income details, aur KYC info daalo.
- Documents Upload Karo: Zaroori documents upload karo aur ‘Apply Now’ pe click karo.
- Loan Approval: Verification ke baad, loan amount kuch hi ghanton mein aapke bank account mein transfer ho jata hai.
Loan App 1 Ke Benefits
- Super fast loan approval aur disbursement.
- Flexible repayment options.
- No prepayment ya foreclosure charges (agar khud ke funds se pay kiya toh).
- Data security aur privacy ka full dhyan.
- Customer Support: 1800-266-3201 pe call ya customercare@poonawallafincorp.com pe email.
Low CIBIL Score Ke Liye Suitability
Loan App 1 low CIBIL score waalon ke liye ekdam perfect hai kyunki yeh income stability aur doosre financial factors ko zyada importance deta hai. Iska digital platform aur minimal documentation process isse emergency needs ke liye top choice banata hai.
Loan App 2: Microloans Ke Liye Fast Aur Easy Solution
Loan App 2 ek aisa app hai jo specially microloans (chhote loans) pe focus karta hai, jo low CIBIL score waalon ke liye ideal hai. Yeh app apni super fast process, 100% digital loan delivery, aur minimal documentation ke liye jaana jata hai. Agar aapko urgent chhoti amount chahiye, jaise ₹1,000 se ₹1 lakh tak, toh yeh app best hai.
Loan App 2 Ki Features
- Microloans: Chhoti amounts (₹1,000 se ₹1 lakh) jo emergency needs ke liye perfect hain.
- Interest Rates: 12% se 36% per year, depending on credit profile aur loan amount.
- Repayment Tenure: 3 months se 12 months tak.
- 100% Digital: No paperwork; loan direct bank account mein aata hai.
- Minimal Documentation: Bas KYC documents (Aadhaar, PAN) aur bank statement.
- Quick Approval: Application ke kuch minutes mein loan approval.
- Flexible Repayment: Monthly ya weekly EMI options.
Eligibility Criteria
- Age: 21 se 55 years.
- Citizenship: Indian citizen.
- Income: Minimum monthly income ₹15,000 (salaried ya self-employed).
- CIBIL Score: Low CIBIL score acceptable, agar income stable ho.
- Bank Account: Active bank account aur UPI enabled hona chahiye.
Application Process
- App Download Karo: Android ya iOS pe available.
- Register Karo: Mobile number aur OTP ke saath sign up karo.
- KYC Verification: Aadhaar aur PAN details daalo.
- Loan Amount Choose Karo: Apni need ke hisaab se loan amount aur tenure select karo.
- Bank Details Daalo: Loan transfer ke liye bank account link karo.
- Loan Receive Karo: Verification ke baad, amount kuch minutes mein account mein aata hai.
Loan App 2 Ke Benefits
- Chhoti amounts ke liye sabse fast process.
- No paperwork, fully digital.
- Low CIBIL score waalon ke liye flexible eligibility.
- User-friendly app interface.
- Urgent needs ke liye perfect.
Low CIBIL Score Ke Liye Suitability
Loan App 2 low CIBIL score waalon ke liye specially banaya gaya hai, jo short-term, small-amount loans deta hai. Yeh un logon ke liye best hai jinhe instant cash chahiye aur long-term loans se bachna chahte hain.
Loan App 1 Aur Loan App 2 Ki Comparison
| Feature | Loan App 1 | Loan App 2 |
|---|---|---|
| Loan Amount | ₹50,000 se ₹25 crore | ₹1,000 se ₹1 lakh |
| Interest Rate | 9.99% se 36% per year | 12% se 36% per year |
| Repayment Tenure | 3 months se 15 years | 3 months se 12 months |
| Loan Types | Personal, Business, Professional, Car, Property | Microloans |
| Documentation | Minimal (KYC, income proof) | Minimal (KYC, bank statement) |
| Approval Time | Kuch ghante | Kuch minutes |
| CIBIL Score Requirement | 750+ preferred, low score acceptable | Low CIBIL score acceptable |
Low CIBIL Score Ke Liye Loan App Chunte Waqt Tips
- Apni Needs Check Karo: Agar chhoti amount ki urgent need hai, toh Loan App 2 better hai. Badi amount ya long-term ke liye, Loan App 1 best hai.
- Interest Rates Compare Karo: Dono apps ki rates credit profile pe depend karti hain. Low rates ke liye apni credit history improve karo.
- Repayment Capacity: Ensure karo ki EMI aapki monthly income ke hisaab se manageable ho.
- RBI-Registered Apps: Dono apps RBI-regulated NBFCs se linked hain, jo reliability guarantee karta hai.
- Security: Data privacy aur secure transactions ka dhyan rakho.
Conclusion
2025 mein, low CIBIL score hona ab financial freedom mein rukavat nahi hai. Loan App 1 aur Loan App 2 jaise digital loan apps ne financial solutions ko super easy aur accessible bana diya hai. Loan App 1 badi amount aur long-term loans ke liye perfect hai, jabki Loan App 2 chhoti, urgent needs ke liye ideal hai. Dono apps minimal documentation, fast approval, aur flexible repayment options dete hain, jo inhe low CIBIL score waalon ke liye top choice banata hai.
Apni financial needs ke hisaab se right app choose karo, aur time pe repayment karke apna CIBIL score improve karo. Agar aur help chahiye, toh dono apps ki customer support teams aapke liye available hain. Aaj hi in apps ko try karo aur apni financial journey ko smooth banao!
