Kharab Cibil Score Loan | सिबिल स्कोर खराब होने के बावजूद घर बैठे मिलेगा 2 लाख का लोन, ऐसे करें अप्लाई

Kharab Cibil Score Loan – Complete Guide for Borrowers with Low Credit Scores

About Kharab Cibil Score Loan

A Kharab Cibil Score Loan refers to personal loans offered to individuals whose CIBIL score falls below the ideal range of 750‑900. Even with a low credit score (typically below 750), borrowers can obtain financing through non‑bank lenders and mobile‑app platforms that assess eligibility on broader criteria such as income, bank account history, and documentation.

Key Features

Eligibility Criteria

• Indian citizenship proof
• Age between 21 and 55 years
• Regular source of income
• Active bank account

Required Documents

How to Apply – Step‑by‑Step Using Mobile Apps (Example: KreditBee)

1. Download and install the KreditBee app.
2. Select language and tap Continue.
3. Choose Personal Loan from the loan types.
4. Tap Login/Signup with Mobile and enter your mobile number.
5. Verify the OTP sent to your phone.
6. Read partner information and accept.
7. If asked for a reference number, select No, I don’t have.
8. Enter your PAN number and accept the policy.
9. Provide employee type and salary details, then agree to the terms.
10. Complete the three‑step eligibility check and click Continue to Apply.
11. Select the desired loan amount and click Apply Now.
12. Review loan amount, EMI, and tenure; adjust if needed.
13. View summary & charges, then proceed to repayment schedule.
14. Specify loan purpose and add your savings bank account details.
15. Confirm a ₹1 verification transaction sent to your bank.
16. Sign the loan agreement electronically and verify via OTP.
17. Complete facial ID verification (selfie) and a short video verification.
18. Submit the application; funds are typically disbursed within an hour.

Why Choose a Low CIBIL Score Loan?

• Quick online approval without traditional bank paperwork.
• Flexible documentation focused on income and bank activity.
• Fast disbursal—often within a few hours of approval.

Official Links & Resources

For the latest updates on low‑CIBIL loan providers, visit the respective app stores or official lender websites.

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• Govt Jobs
• Results
• Admit Card
• Answer Key

FAQ

• What is the minimum CIBIL score required? Lenders typically accept scores below 750; exact thresholds vary by provider.
• Can I apply without a PAN? No, PAN is mandatory for identity verification.
• Is there any processing fee? Processing fees are included in the GST (18 %).
• How long does disbursal take? Most app‑based lenders credit the amount within 1 hour after approval.
• What is the maximum loan tenure? Tenure depends on the lender’s policy, usually up to 36 months.
• Do I need a credit history? Lenders consider income, bank transactions, and existing liabilities more than traditional credit history.
• Can I refinance an existing loan? Some platforms allow refinancing; check the specific app’s terms.
• Are there any hidden charges? Review the summary & charges page before confirming; GST is the primary statutory charge.

Conclusion

Even with a poor CIBIL score, obtaining a personal loan is feasible through digital lenders that prioritize income proof and bank activity over traditional credit ratings. By meeting the basic eligibility, preparing the required documents, and following a straightforward mobile‑app process, borrowers can secure funds quickly and manage repayment with transparent terms.