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Payday Loan with CIBIL Score below 600
A score below 600 usually comes from missed EMIs, a settled loan or high credit card dues. It makes approval harder, but a steady salary and a clean recent record still count.
Get Loans up to
₹2,00,000 Get cash directly in your bank account.
Apply Now
We will send you a one-time password to verify your mobile number.
- 1Enter basic details
- 2Lender offer
- 3Complete KYC
- 4Disbursal
Finding the best offer for you…
We are matching your details with our lending partners to find a suitable loan offer.
100% online processKYC is done online with the lender – no branch visit.
No advance feeNever pay anyone before you receive a loan.
Direct to your bankIf approved, the lender sends the money to your account.
Your data is safe256-bit encryption; your PAN is stored encrypted.
Thank you!
About this Payday Loan
A payday loan is a short-term loan for salaried people that you repay in one go on your next salary date. Indifunds connects you with RBI-regulated lending partners; the lender checks your profile and decides the amount, interest and tenure.
Who can apply
- Salaried employees with salary credited to a bank account
- Monthly in-hand salary of ₹15,000 or more
- Age 21 to 55 years
- Home pincode in an area our lending partner serves
Documents
- PAN card
- Aadhaar card (for online KYC with the lender)
- The lender may ask for a salary slip or bank statement
How it works
- Verify your mobile number with the OTP
- Enter your salary, pincode, PAN and name
- We share your application with our lending partner
- Complete KYC on the lender's secure page; if approved, the money is sent to your bank account
Fees and charges
- Indifunds charges you no fee to apply
- Interest, processing fee and other charges are set by the lender and shown in the Key Fact Statement (KFS) before you sign
- Never pay anyone in advance to get a loan
Stay safe
- We never ask for your OTP, PIN or password on a call
- Read the loan agreement and KFS before you accept
- Borrow only what you can repay on your salary date
Questions?
Call 8595702470 (Mon–Sat, 10 AM – 7 PM) or write to grievance@indifunds.com. Terms · Privacy
Devdhan Narayana Finserv Pvt. Ltd. (Indifunds) is a loan facilitation platform, not a lender. Loans are subject to the lender's eligibility and approval.
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OTP Verification
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What lenders look at
- Whether the missed payments are old or recent
- Any loan or card still overdue today
- Your current salary and existing EMIs
Before you apply
If you have an overdue account, paying it or agreeing a plan with that lender often helps more than anything else. Apply for a small amount you can repay without strain.
Rebuilding your score
- Pay every EMI and card bill on time from now on.
- Keep credit card use below about a third of the limit.
- Check your CIBIL report once a year for mistakes and raise disputes with the bureau.
Frequently asked questions
Is approval guaranteed with a score below 600?
No. Lenders assess each profile; approval is never guaranteed.
Will a settled loan stop me?
A “settled” status lowers your score and some lenders decline it. Others look at how long ago it was and your current salary.
Important: Loan approval, amount, interest rate and tenure are subject to the lender’s eligibility criteria, verification and final approval. All terms and charges are governed by the relevant loan documents. Submitting an application does not guarantee approval.
