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Payday Loan with Low CIBIL Score
A low CIBIL score does not always mean a no. Lenders on Indifunds also look at your current salary and how much you can repay. The score still matters: it affects whether you are approved and how much you are offered.
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₹2,00,000 Get cash directly in your bank account.
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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.
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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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How CIBIL scores work
Your CIBIL score runs from 300 to 900 and is built from your repayment history, how much of your credit you use, the age of your accounts and recent enquiries. A score of 750 or more is generally seen as good; below 650 lenders become more careful.
What we do not do
We do not promise loans “without a CIBIL check”. Regulated lenders check your credit report before lending. Be careful with apps or callers who promise a loan with no checks and ask for a fee first.
Find your score range
Each page below explains what a lender usually thinks at that score, what you can expect and what helps.
Frequently asked questions
Can I get a payday loan with a CIBIL score below 600?
It is harder, but lenders assess low CIBIL profiles with a regular salary. A smaller amount is more likely.
Does the lender check my CIBIL?
Yes. With your consent the lender checks your credit report to decide on the loan.
I have no credit history (new to credit). Can I apply?
Yes. New-to-credit applicants are assessed on salary and banking history.
Will repaying a payday loan improve my score?
Repaying on time is reported to credit bureaus and can help your score over time.
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.
