Top Features and Benefits of Personal Loan


Flexible Loan Amount

Money View offers personal loans of up to Rs. 5 lakhs based on your requirements


Quick Eligibility Check

Imagine checking for your eligibity within just 2 minutes! This is possible if you are applying for a personal loan MoneyView.


Collateral Free Loans

To apply for a personal loan through Money View, you don’t have to pledge any asset or arrange for a guarantor


Affordable Interest Rates

We understand how important affordable personal loans are. Therefore, Money View interest rates start at 1.33% p.m.


Completely Paperless

You can apply for a personal loan from Money View at any time from anywhere. No more travelling to a bank and waiting for days


Flexible Repayment Term

Choose repayment term of upto 60 months


Loans on Low Credit Score

Money View provides personal loans to anyone with a CIBIL score of 600 or Experian score of 650 and above. We have our own in-house credit model that helps us assess the creditworthiness of our customers


24 Hour Disbursal

Our personal loan is disbursed to your bank account within 24 business hours after the approval.

Do you have a low CIBIL score but still require a loan urgently? Money View provides personal loans for low CIBIL score applicants.

Personal loan can be a tremendous help if you are ever in need of instant funds. But, you will have to meet the necessary eligibility criteria and go through various checks before your loan is approved. Among your checkpoints, CIBIL score plays the most important role and is the decisive factor for your loan approval. 

So what is CIBIL score and how is it important?

What is CIBIL score?

Credit rating or credit score is a number that represents a borrower’s creditworthiness. The number varies from 300 to 900, with higher credit scores representing lower risk. Credit score depends upon the data gathered by credit bureaus after considering many factors such as repayment history, utilization ratio, past due payments etc.

Banks or independent lenders generally favor applicants with higher credit scores of 750 and above, and issue low-interest personal loans to them. On the other hand, stringent eligibility conditions and higher interest rates are common for borrowers with CIBIL scores below 700. 

Personal Loan for Low CIBIL Score from Money View

While most lenders require borrowers to have a CIBIL score of over 750, our in-house credit rating model at Money View uses multiple data points in addition to regular bureau scores to determine the applicants’ creditworthiness.

Even with a CIBIL score as low as 600, you can avail an instant personal loan from Moneyview. For instance, if your CIBIL score is 550, it may be difficult to secure a personal loan. 

  • Our eligibility check takes less than 2 minutes
  • After your loan application is approved, the loan amount will be disbursed within 24 hours
  • All our application and documentation process is 100% digital
  • Avail a loan from anywhere in India without having to travel to banks or to agents

If you are looking for a ‘low CIBIL loan’ or ‘personal loan for low CIBIL score’, you can avail one from Money View as long as you meet the eligibility criteria given below -

  • Applicants must be between 21 years and 57 years
  • Applicants must receive an income of Rs. 13,500 or more*
  • Income must be credited directly to the applicants’ bank account
  • Credit score must be a minimum CIBIL score of 600 or minimum Experian score of 650
Salaried Individuals Minimum In-Hand Income Area of Residence CIBIL Credit Score Requirement
Rs 13,500 Any CIBIL Score of 600 /Experian Score of 650 and above
Rs 20,000 Mumbai/Thane or the NCR region (Delhi, Noida, Gurgaon, Ghaziabad, Faridabad, etc.) New to Credit or CIBIL Score of 600 /Experian Score of 650 and above
Rs 15,000 Metro City other than Mumbai and NCR CIBIL Score of 600 /Experian Score of 650 and above
Self-Employed Individuals Rs. 15,000 Any CIBIL Score of 600 /Experian Score of 650 and above


  • After your documents are verified, you will receive a NACH form which needs to be printed, signed, scanned, and sent back to Money View.
  • This step will enable the auto-debit facility from your bank account and allow you to pay your EMIs on time automatically without the need for any manual intervention.
  • On receiving your NACH form, you will need to review the loan agreement on the app. Please submit the application after reviewing all the terms and conditions thoroughly

It’s difficult to obtain a personal loan when you have a low CIBIL score. Even though Money View provides loans to those who have a lower credit score, it is important to improve it.

Here are certain things you can do in order to increase your CIBIL score.

  1. Avoid delays in EMI payments and pay the outstanding debt on time. When you miss an EMI payment, you are forced to pay a penalty, and your CIBIL score decreases.
  2. Old credit card accounts show a long and strong credit history, therefore it is important to avoid closing it. If you do not have other long-standing good credit accounts, your score will drop as credit history is also a factor determining your credit score.
  3. Always choose comfortable tenures to repay your loan. That way you’ll be able to pay the EMIs on time. When you don’t delay EMI payments, your CIBIL score will increase gradually.
  4. Make sure you have minimal loans during a fixed period. When you keep applying for credit again and again in a short period of time, the number of credit inquiries against you increases, thereby pulling down your credit score.
  5. Check your CIBIL report thoroughly from time to time and correct mistakes if any.

Once you’ve understood and implemented the points mentioned above, you can confidently apply for a loan again. A lesser-known fact is that with a higher CIBIL score you may always approach your lender to reduce the interest rates. Yes, that’s a possibility! Ensure that your EMI payments are made on time and reap the benefits of a higher CIBIL score.

  • Credit Worthiness:

The score helps lenders determine how trustworthy the borrower is. It demonstrates the borrower’s capacity to repay the loan amount based on previous repayment history and patterns. CIBIL score is the most important and accurate metric to gauge the applicant’s creditworthiness. And, borrowers with high CIBIL scores avail attractive loan benefits. 

  • Lower Interest Rates:

Borrowers have to pay a small interest for taking out the loan. Based on the CIBIL score, each bank or lending institution charges different rates to the individuals. While higher CIBIL scores attract lower interest rates and minimal paperwork, lower scores incur the opposite. At times, applicants with lower scores might get rejected as well. So, a good score is pivotal for a personal loan.

  • Faster Loan Approval:

The time it takes to get your loan approved and your CIBIL score are parallelly proportional. Therefore, higher scores lead to quick document processing and fast disbursement. Lower scores, on the contrary, incur strict scrutiny from the lenders.

  • Higher Loan Limits with Longer Tenure:

Another advantage of having a high CIBIL score is that you can always negotiate for a higher loan amount. Since your high score speaks of your trustworthiness, lending agencies are often ready to offer high quantum amounts.

Additionally, individuals with a high score can avail loans with longer tenure. 

The table below will give a better idea of a good and a bad credit score.

Credit score

Is it good or bad?

Chances of approval

Less than 600

Very bad

Extremely low










Over 750

Very good

Extremely high

A good credit score can help you attract lenders and creditors. Since it impacts your ability to borrow money, getting a sound credit score will help you in times of financial hardships. However, if your score is low, you need to first understand why it has dropped so low. Once this is done, work on improving it using the factors responsible for lowering it. Below, we have mentioned the factors that can lower your credit score:

  • A bad credit utilization ratio (exceeding credit limit on credit card)

  • Increased number of hard enquiries in the recent period

  • Missed or late payments (delayed EMI, missed EMIs, non-payment of other dues)

  • Unhealthy credit mix (a greater number of unsecured loans as compared to secured loans)

  • Errors in credit report (fix the errors so as to improve score)

A higher credit score does open doors in times of financial crisis. But, there are financial lenders such as Money View, who lend to individuals with lower credit scores.

How to Apply for An Instant Personal Loan for Low CIBIL Score


Check Eligibility

Provide the required details and find out if you’re eligible for a loan in just 2 minutes.


Select Loan Tenure

Choose the loan amount and repayment term of your choice based on the options provided.


Upload Documents

You’ll have to upload all the relevant documents after which they will be verified


Amount Disbursed

Post verification and submission of loan agreement, the loan amount will be credited to your account within 24 hours



Getting a loan for low CIBIL score applicants is no longer a distant dream. You can now get personal loans from Money View at competitive rates, minimal documentation, and other advantages as long as you have a CIBIL score of over 600. Visit the Money View website or download the app and apply now!

Low CIBIL Personal Loan Related FAQs

Currently we only provide loans to those individuals who get their salary directly credited to their bank account from their employer. We will not be able to give loans to applicants who get their salaries in cash.

Our personal loans are extremely versatile. You can use for a number of purposes such as -

  • To fund a wedding
  • For Home-repairs
  • Medical expenses
  • For vacation
  • For a loan down payment
  • Education purposes
  • To buy the latest gadget
  • To fund a business venture
  • To pay off credit card bills or build credit score

Yes, self-employed applicants can get a personal loan from Money View if they meet the following eligibility criteria -

  • Monthly income of Rs. 15,000 or more
  • Income must be credited directly to the applicant’s bank account
  • Applicant must have a minimum CIBIL score of 600 or minimum Experian score of 650
  • Applicant must be between 21 years to 57 years old


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