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Get a Personal Loan via Upwards in case of Low CIBIL/Bad Credit Score

Apply for a quick personal loan today to fulfill your dreams with minimum documentation!


Happy Customers

Rs. 50+ crore

Loans Disbursed

>1 Million


The Upwards Advantage


EMI as low as Rs. 1500 for a loan of Rs. 50,000

Quick Approvals

Get approval within 24 hours and disbursal within 48 hours

Fully Digital

Comes with auto-debit e-NACH and EMI facility

CIBIL Score for Personal Loan

Unexpected events such as an accident, home renovation or even a sudden travel plan not just disturb your peace of mind, but also require your financial assistance. In such cases, getting a personal loan seems to be an ideal option for many. A personal loan is a type of unsecured loan that helps you take care of the important and unexpected events in your life by providing you with instant access to funds. However, before lending, financial institutions do a thorough check of your financial history to determine your eligibility. One of the most important factors that is considered at the time of loan approval is your CIBIL Score.

What is CIBIL Score?

CIBIL Score is a three-digit numeric score that determines your eligibility for getting a loan. This score ranges between 300-900 with 300 being the lowest and 900 being the highest. This score is generated by CIBIL i.e. an RBI authorized credit agency. CIBIL takes into consideration an individual’s credit behaviour. A higher CIBIL score suggests a good credit history and ensures that the individual has repaid his loans on time. The score is generated taking into account an individual’s past 6 months of financial history. The score is generated based on algorithms that track the records of past payment, income, loan equities and others.

How it Works?

Fill in Application Form

Download the Upwards app and complete KYC and submit your documents.

Get Instant Approval

On successful submission of the application, wait for us to update the status of your application.

Digital Signature

On approval of the loan amount, complete digital signature and set up e-NACH online.

Documents Required for Low Cibil Loan

Address Proof
Bank Statement
PAN Card
Last 3 Months Salary Slip

Flexible Loans For All Pocket Sizes!

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Benefits of Availing Low Cibil Loan

  • Competitive interest rates
  • Student loan ranging from INR 20,000- INR 2,00,000
  • Tenure ranging from 12-36 months
  • Convenient EMI rates

Eligibility Criteria for Low Cibil Loan

You don’t have to necessarily have a high credit score or a high income to get a loan from Upwards. Fulfilling the below eligibility criteria is enough!

You are a citizen of India
More than 21 years of age
Minimum Salary of Rs. 15,000

Personal Loan EMI Calculator

EMI is: 2952
Total Amount
Tenure (in months)
Rate of Interest (Monthly)
% Monthly

Loan Terms

Loan AmountRanging from Rs. 20,000- Rs. 2,00,000
Annualised Interest RateRanging from 12% to 30%
Repayment TenureRanging from 12 to 36 months
Processing Fees3% of the loan amount

Low Cibil Loan FAQs

What is the minimum CIBIL score required for getting a personal loan?
The minimum CIBIL score required for getting a personal loan in India is 650.
Is CIBIL the only criteria checked by the lenders when processing loans?
No, CIIBIL score is not the only factor that is considered important. Lenders also check your age, income, location and other factors.
How Can I know my CIBIL score?
You can check your CIBIL score online in India through CIBIL’s official website.
Can I get a personal loan without CIBIL verification?
No, you cannot get a personal loan without CIBIL verification.
What is the maximum loan amount I can avail from Upwards?
Maximum loan amount you can avail from Upwards is Rs. 2 lakh.

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