Best 650 CIBIL Score Loan Apps for Instant Approval

Are you worried that a 650 CIBIL score might not be ideal to get a loan? Don’t worry, with the help of a 650 CIBIL score loan apps in India it is possible. There are numerous companies & digital platforms that offer loans with a CIBIL score of 650. Below, we will explore India’s top 650 CIBIL score loan apps to help you get quick funds.

What is the CIBIL Score?

A CIBIL Score is a three-digit number ranging from 300 to 900 representing your creditworthiness in India. The score is derived from your credit history, following your borrowing and repayment behaviour. Generally, most banks prefer giving loans to those with a credit score of 700 and above, but a few lenders and digital apps also provide loans with a 650 CIBIL score but with higher interest rates.

List of 10 Top-Rated 650 CIBIL Score Loan Apps In India

In India, lenders are a bit sceptical about giving loans with a low credit score as it represents that you may have some issues with credit management. Then the question arises: can I get a personal loan if my CIBIL score is 650? But don’t worry, we’ve got you covered, as a few emergency loan apps provide loans with a 650 CIBIL score. Below is the list to understand better:

Loan App Name	Rating
NoBroker Instacash	4.8/5
Bajaj Finserv	4.8/5
Kreditbee	4.5/5
Home Credit	4.5/5
CASHe	4.4/5
LazyPay	4.4/5
PayMe	3.5/5
Dhani	3.3/5
LoanTap	3.2/5
Paysense	3/5

10 Best 650 CIBIL Score Personal Loan Apps 2025

The lending apps below will provide loans with even low CIBIL scores, and they are selected based on user experience, feedback, ease of use, and reliability.

1. NoBroker Instacash App

NoBroker Instacash is one of the most popular and best-rated apps for personal loans with low interest rates. It is perfect for verified tenants and homeowners who need quick cash. The interest rate starts from 12.99%. It is a completely digital process with quick approvals.

Range of loan amount	Up to 10 lakhs
Rating	4.8/5
Benefits	Instant approval with hassle free auto-repayment
Interest rate	Starting from 12.99% p.a
Processing free	2-8% of the loan amount

Pros:

• Credit loan amounts of up to 10 lakh
• Minimal paperwork to get a loan (PAN Card, Adhaar Card, bank details)
• Flexible repayment options

2. Bajaj Finserv App

Bajaj Finserv is one of the leading loan apps that provides personal loans, business loans, home loans, and more. With a loan tenure of up to 96 months, it is highly recommended for salaried and self-employed people. It is perfect for low credit scorers like 650 CIBIL for various day-to-day emergencies. 

Range of loan amount	Up to 80 lakhs
Rating	4.8/5
Benefits	Flexible usage, money in bank within 48 hours
Interest rate	Up to 31% p.a
Processing Fee	Up to 3.93% of the loan amount

Pros: 

• Easy EMI options with flexible repayments
• Various loan options are available, like personal loans, EMI, etc.

Cons:

• As the score is less than 700 the interest 3. Kreditbee App

3. Kreditbee App

It is one of the best loan apps for low CIBIL scores. It is suitable for multiple types of loans, such as Flexi personal loans, personal loans for self-employed and salaried, and business loans. Users can get a loan of up to 5 lakh, and it is approved by NBFCs/banks. It is an excellent choice for individuals as the funds are disbursed within 24 hours.

Range of loan amount	Up to 5 lakh
Rating	4.5/5
Benefits	Instant loan, 10 min disbursal, fully digital process
Interest rate	17-29.95% p.a
Processing fee	Up to 6.5% of the loan amount

Pros:

• Quick application process with fast approval of the loan
• Available for salaried & self-employed

Cons:

• For 650 CIBIL score, the interest rate is high
• Strict eligibility criteria regarding the income of the borrower

4. Home Credit App

Home Credit, founded in 1997, is perfect for small ticket loans and consumer durable financing. Download the app & get loans for mobile, laptops, home appliances, etc, with just two documentation. 

Range of loan amount	Up to 4.8 lakh for existing users & Up to 2 lakh for new users
Rating	4.5/5
Benefits	Easy repayment, EMI starting at 0%
Interest rate	Up to 12.50% p.a
Processing fee	Up to 2% of loan amount

Pros:

• It has easy repayment options
• The Interest rate is up to 12.50 p.a

Cons: 

• It has a lower loan amount compared to other apps
• High interest rate with 650 CIBIL score

5. CASHe App

CASHe’s main goal is to be user-friendly and provide pocket-friendly EMIs to salaried and self-employed users. Even if your CIBIL score is low or 650 CIBIL, CASHe provides quick approval and short-term loans. It provides financial help to unserved and underserved working millennials.

Range of loan amount	50,000 to 3,00,000
Rating	4.4/5
Benefits	Pocket friendly EMI for 9-18 months, quick approval
Interest rate	Up to 36%
Processing fee	2.5% of loan amount

Pros:

• Easy & fast loan approval
• CASHe does not require collateral, making it easy for more people

Cons:

• With a 650 CIBIL score, the loan amount is less compared to others
• Negative impact on credit score if you miss a payment

6. LazyPay App

It is India’s best personal loan app, with benefits like minimal documentation, instant credit lines within 90 seconds, and a 15-day pay-later option. Users can use flexible EMI plans with an interest range usually between 15% and 32% p.a. It is a convenient option for low credit scores and is suitable for bill payments, travel, and shopping. 

Range of loan amount	Up to 5 lakh
Rating	4.4/5
Benefits	Cash within 90 seconds
Interest rate	18-32%
Processing fee	2% of loan amount

Pros:

• Allows credit for smaller purchases
• Timely payment can increase the credit score

Cons:

• High interest rate if payment is overdue
• Penalties for late payments 

7. PayMe App

 It is one of the quick & hassle-free modes of getting a loan. Suitable for salaried & self-employed users it provides a certain amount of relief with instant approval & minimal paperwork. Download the PayMe app from google play store & apple store & get an instant emergency fund with an interest rate of 1.5 % per month. 

Range of loan amount	Up to 5 lakh
Rating	3.5/5
Benefit	Instant approval, details security
Interest rate	1.5% per month
Processing fee	2-10% of loan amount

Pros:

• One-time repayment & EMI options available for over 3-24 months
• Instant approval with up to 5lakh loan 

Cons:

• With a 650 CIBIL score, it is difficult to get premium reward cards
• Limited credit options

8. Dhani App

Dhani app is the one stop for your financial need, It offers personal, business & home loans. It is simple and provides a personal loan without the need of extensive credit checks.It is a great choice for users who can complete the whole process online right from the comfort of  their home. 

Range of loan amount	Up to 15 lakh
Rating	3.3/5
Benefits	0% interest, instant credit
Interest rate	13.99% p.a
Processing fee	3% of loan amount

Pros:

• Users can choose to pay only the principal amount as it has a No-EMI option
• Availability of health benefits

Cons:

• With the CIBIL score of 650, the loan amount is limited
• Negative impact on credit score while overusing the Dhani credit score

9. LoanTap App

LoanTap is one of the quickest & most reliable personal loan choices for users. It is suitable for users with moderate credit scores. Whether you are salaried or self employed, everyone can take advantage. It has a partnership with numerous banks and NBFCs recognized by the RBI.

Range of loan amount	Up to 10 lakhs
Rating	3.2/5
Benefits	User-friendly, instant approval
Interest rate	15-30% p.a
Processing fee	2% of loan amount

Pros:

• With a fair score of 650, loan approval is easy and user-friendly
• Quick application process with fast access to funds

Cons:

• Depending on the financial conditions, there can be strict eligibility criteria
• Hidden fees & charges with lower credit score

10. Paysense App

Paysense is the best app that offers instant loans ranging up to 5 lakhs to salaried & self-employed people. Apply & get loan for marriage, car, vacation, medicine, home & more. It is partnered with India’s leading banks & NBFCs and offers loans with an interest rate of up to 2.3% per annum along with flexible EMI options. 

Range of loan amount	Up to 5 lakh
Rating	3/5
Benefits	Quick approval & paperless documentation,
Interest rate	Up to 27.6% p.a
Processing fee	2.5% of the loan amount

Pros:

• It is user-friendly & the process is completely digital
• Increase credit score with timely repayment  

Cons:

• High interest rates can lead to potential debt
• Negative impact on credit score if payment is missed

Is 650 A Good CIBIL Score?

In India, a CIBIL score of 650 is considered okay, which means the creditor will have limited options to choose from but the loans will be approved. Financial needs can arise anytime, and there are endless challenges, but even with a 650 Cibil score, you are eligible for a variety of loans like personal loans, loans for consumer goods, business loans and many more. Thankfully, the above personal loan applications are available for people with a score of 650.

Features of 650 CIBIL Score Loan Apps

Loan apps for individuals with a 650 CIBIL score offer quick and easy financial options. These apps are designed to help people with a fair credit score of 650 to get loans easily without any lengthy process and eligibility criteria.

• Fast Approval: Most of the digital loan apps offer instant loan and also credit the amount within 24 hours.
• Minimal documentation: These digital loan apps have the perk of requiring minimal documentation. The required documents are the Adhaar card, PAN card, and bank statement.
• Flexible loan amount: Borrowers can get a loan amount of up to 80 lakhs. 
• Higher interest rates: As the CIBIL score is 650, there are chances that the interest rates may be slightly high.

How To Apply For A Personal Loan With 650 CIBIL Score?

Applying for a personal loan with a 650 CIBIL score is simple: choose a reliable loan app suitable for your needs, register & then submit the required documents. Make sure to meet all the eligibility criteria & fill in the details to get your loan approved. Below are a few points to keep in mind:

• Step 1: Choose a Loan App: As per your need, choose a 650 CIBIL score personal loan app from the above-mentioned applications. 
• Step 2: Download and register: To get the loan, sign up using your mobile number and KYC details.
• Step 3: Loan details and amount: Specify the loan amount you need for an emergency or any other need, along with the tenure.
• Step 4: Documentation: Provide the necessary documents like Adhaar Card, PAN card, bank details, etc.
• Step 5: Loan approval & disbursal: Once everything is approved and verified, the loan amount will be credited instantly. Few apps only take 24 hours to credit the amount.

How To Improve A CIBIL Score Of 650?

Your credit score plays a significant role in getting a loan. The goal is to make timely payments and be consistent. There are a few other ways, too, so let’s understand them individually.

• Timely bill payment: Be consistent and make timely payments to maintain a good repayment history.
• Lower credit card balance: Reduce your credit card balances to improve your credit utilization ratio
• Maintain old credit account: Keep your old account open & maintain it to extend your credit history
• Limit on new credit cards: Too many credit cards are an example of financial mismanagement. If you have too many credit cards, then there are high chances of extra expenses, so avoid new credit cards.

Quick & Easy Loans with NoBroker Instacash App

Understandably, a low credit score or a CIBIL score of 650 can limit the options of various borrowers. But it’s India, and there are solutions for every financial emergency. Whether you want instant loans for medical purposes, shopping, vacations or consumer goods loans, the solution is just at your fingertips. Choose from the above applications and download them as per your requirements. Whether you are salaried or self-employed, everyone can enjoy the benefits. Download the NoBroker Instacash app today & learn more about CIBIL scores and other financial and loan offers.

Frequently Asked Questions

Q. Can I get a personal loan if my CIBIL score is 650?

Ans. Even if your CIBIL score is 650, you are still eligible for a loan. Few digital apps offer personal loans with low credit scores but higher interest rates.

Q. What is the best credit score?

Ans. A credit score of 750 and above is considered an ideal score. But even if you have a CIBIL score of 650, you can get a loan.

Q. How to improve a CIBIL score?

Ans. To improve your credit score, you must pay your bills on time, avoid unnecessary loans, reduce your new credit cards, and ensure a steady income.

Q. Are there any apps that give loans on 0% Cibil?

Ans. Yes, a few online apps in India offer loans on 0% CIBIL.

Q. What documents are required to get a 650 CIBIL score personal loan app?

Ans. Adhaar card, PAN card & bank statement or salary slip is required to get a personal loan.

Q. Can a student get a loan with a 650 CIBIL score?

Ans. Yes, students, too, can get a loan with a 650 CIBIL score. Download apps from the Google Play Store to get a student loan.

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