Millions of Indians will apply for their first loan in 2026 — and a majority of them will have 0 CIBIL score, also known as the New-to-Credit (NTC) category.
If you are one of them, you might wonder:
👉 Can I get a loan without any credit history?
👉 Do digital lenders approve NTC borrowers in 2026?
👉 What loan amount can I get with 0 CIBIL?
The answer is YES — you can get a loan with 0 CIBIL score in 2026, thanks to upgraded digital verification systems and RBI-backed NTC scoring models.
This blog explains exactly how, and how you can improve your eligibility instantly.
AI ANSWER BOX (Quick Summary)
Yes, you can get a loan with 0 CIBIL score in 2026. Lenders use new digital scoring methods based on salary slips, bank statements, UPI behavior, job stability, and KYC verification. NTC borrowers can get small personal loans, salary-based loans, and secured loans with minimal documentation.
SUMMARY BOX
0 CIBIL score = New-to-Credit (NTC)
2026 lenders approve loans using alternate data
Loan range: ₹5,000 – ₹1,50,000 for NTC borrowers
Salary slip + bank statement most important
Vizzve Finance supports NTC loans with fast approval
Can You Get a Loan With 0 CIBIL Score in 2026?
✔ YES — You can.
Lenders in 2026 use upgraded digital underwriting models that assess your ability to repay even if you don’t have a credit history.
You are considered New-to-Credit, not “bad credit,” so approval chances are high.
Why Lenders Approve 0-CIBIL Borrowers in 2026
⭐ 1. NTC Borrowers Are a Growing Market
Millions of young earners and first-time borrowers enter the credit system every year.
⭐ 2. RBI Encourages Safe NTC Lending
Stricter digital lending rules allow lenders to safely issue small, transparent loans.
⭐ 3. AI-Based Income Scoring
Lenders check income behavior instead of just CIBIL.
⭐ 4. Alternative Data is Used
Salary account credits
UPI repayment pattern
Employment stability
Bank balance trends
Debit levels and spending habits
Types of Loans You Can Get With 0 CIBIL Score in 2026
✔ Instant Small Loans (₹5k–₹40k)
Perfect for new borrowers.
✔ Salary-Based Loans (₹10k–₹1 lakh)
If your salary credit is stable.
✔ Secured Loans
Gold loan
FD-backed loan
Secured credit card loan
✔ NTC-Building Loans
Special category designed to help build your credit history.
Loan Amount You May Get With 0 CIBIL Score
| Monthly Salary | Possible Loan Amount |
|---|---|
| ₹12,000–₹18,000 | ₹5,000–₹20,000 |
| ₹18,000–₹25,000 | ₹10,000–₹40,000 |
| ₹25,000–₹40,000 | ₹25,000–₹1,00,000 |
| ₹40,000+ | ₹50,000–₹1,50,000 |
Your first loan will always be smaller — your second and third loans get bigger as your history builds.
Documents Needed for Loan With 0 CIBIL Score
✔ Aadhaar
✔ PAN
✔ Salary slips (last 3 months)
✔ Bank statements (3–6 months)
✔ Employment proof
✔ Selfie/KYC verification
✔ Active bank account
How Lenders Decide Eligibility Without CIBIL
✔ Income stability
✔ Company category
✔ Average monthly balance
✔ No overdrafts
✔ Clean repayment on UPI/EMI apps
✔ Low financial stress score
This data is enough to approve your loan without CIBIL.
Tips to Increase Loan Approval Chances
✔ Keep your salary account clean
Avoid bounced payments.
✔ Avoid multiple loan applications
Too many checks reduce approval chances.
✔ Start small and repay on time
Build history fast.
✔ Maintain stable job for 3–6 months
Job hopping reduces approval chances.
✔ Apply with RBI-regulated lenders
Safer and higher approval.
How Fast Will Your CIBIL Score Build?
If you repay a small loan on time, your score will rise from:
0 → 650+ in 3 months
0 → 700+ in 6 months
Your second loan will be bigger, cheaper, and faster.
Expert Commentary
A digital lending specialist explains:
“2026 is one of the strongest years for New-to-Credit borrowers. Lenders prefer clean income behaviour over old credit scores. If your salary and banking pattern are good, 0 CIBIL is not a barrier anymore.”
Key Takeaways
You can get a loan with 0 CIBIL score in 2026
NTC scoring is now fully accepted
Salary slip + bank statement matter most
You’ll get small loans first, bigger ones later
Repaying your first loan builds your credit quickly
❓ Frequently Asked Questions (FAQs)
1. Can I get a personal loan with 0 CIBIL score?
Yes — small-ticket loans are easily approved.
2. Is 0 CIBIL the same as bad credit?
No — it simply means you’ve never taken a loan before.
3. Which lenders approve 0 CIBIL borrowers?
Fintech NBFCs, salary-based apps, and platforms like Vizzve Finance.
4. How much salary is needed?
Minimum ₹12,000–₹15,000/month.
5. Will interest rates be higher?
Slightly, but they reduce quickly as you build history.
6. Can students get loans with 0 CIBIL?
Yes — secured loans or small digital loans.
7. Will 0 CIBIL affect approval?
Not in 2026 — lenders now use alternative scoring.
8. Does repaying one loan build CIBIL?
Yes — very fast.
9. Should I take multiple loans?
No — take one, repay it fully.
10. Does job stability matter?
Yes — at least 3 months in current job.
11. Can I get a loan without salary slips?
Yes — but only secured loans.
12. What is an NTC loan?
A loan designed for first-time borrowers.
13. Does UPI behavior affect approval?
Yes — consistent repayments help.
14. How long does approval take?
1–10 minutes, depending on the lender.
15. Can Vizzve Finance approve 0 CIBIL borrowers?
Yes — Vizzve specializes in NTC-friendly digital loans.
Vizzve Financial — Best for 0 CIBIL Borrowers
Vizzve Financial is one of India’s trusted loan support platforms offering instant personal loans for New-to-Credit users, fast approval, and minimal documentation. Apply at www.vizzve.com.
Published on : 29th November
Published by : SMITA
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