Get ₹80,000 Loan Without CIBIL Score – Apply Online Instantly
2–3 minutes
Think you can’t get a loan without a good CIBIL score?
The truth is – you can. Whether your score is low or you’re a first-time borrower, getting ₹80,000 is still possible. While banks may say no, today’s digital lenders and apps are more flexible. If you need fast cash for urgent expenses, this guide explains how you can get started.
What Does “Loan Without CIBIL” Mean?
A CIBIL score is a three-digit number that shows your credit history. Banks usually rely on it to decide whether you are eligible for a loan. But if you have no credit history or a low score, getting approved becomes tough.
That’s where loans without CIBIL come in. These loans are offered by fintech lenders, NBFCs, and digital platforms that check other factors like:
- Your monthly income
- Employment type (salaried or self-employed)
- Bank statements
- Repayment capacity
This way, you can still access funds even without a strong credit background.
Benefits of ₹80,000 Loan Without CIBIL
Instant Approval – Many lenders approve loans within minutes through online apps.
No Credit History Needed – Perfect for first-time borrowers.
Flexible Usage – Can be used for medical emergencies, education, home needs, or travel.
Quick Disbursement – Money is credited to your account within 24–48 hours.
Digital Process – Apply from home without visiting a bank branch.
Eligibility Criteria
While CIBIL is not mandatory, lenders still check basic eligibility:
- Age: 21 to 58 years
- Minimum monthly income: ₹15,000 – ₹20,000
- Employment: Salaried or self-employed
- Valid documents: Aadhaar, PAN, bank statement, salary slip (if salaried)
Documents Required
To apply for an ₹80,000 personal loan without a CIBIL score, you generally need:
- Aadhaar Card
- PAN Card
- Bank account details
- Latest 3–6 months bank statement
- Salary slip or income proof
Where Can You Get an ₹80,000 Loan Without CIBIL?
There are multiple options available today:
- NBFCs (Non-Banking Financial Companies) – NBFCs are more flexible than banks and often provide loans to borrowers with low or no CIBIL.
- Fintech Loan Apps – Many digital apps offer instant personal loans after checking your income and repayment ability. Examples include WeCredit, Kreditbee, Moneyview
- Peer-to-Peer (P2P) Lending Platforms – These connect you directly with individual lenders, making it easier to borrow without strict CIBIL checks.
Example Loan Breakdown (₹80,000 Loan)
| Particulars | Details |
| Loan Amount | ₹80,000 |
| Tenure | 6 – 24 months |
| Interest Rate (Approx.) | 18% – 30% p.a. |
| EMI (12 months, 24% p.a.) | Around ₹7,600 |
| Processing Fee | 2% – 4% |
Tips to improve Approval chances
- Maintain a steady income flow in your bank account.
- Provide accurate documents to avoid delays.
- Keep your loan amount realistic (₹80,000 is usually manageable).
- If possible, start with a smaller loan and repay on time to build a credit history.
Conclusion
Getting an ₹80,000 loan without a CIBIL score is possible in today’s digital lending space. With the rise of fintech platforms and NBFCs, borrowers with no credit history or low scores can still access funds for their needs. If you maintain a steady income and submit proper documents, you can get instant approval and build your credit profile for future loans.
