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❗ The Reality: Millions of Indians Have a CIBIL Score Under 600
In 2025, over 40% of loan applicants in India have a CIBIL score below 600. Traditional banks reject them instantly. But financial emergencies don’t wait for your credit score to improve.
If you’re one of them, here’s the good news: you still have legit, safe loan options — especially with fintech platforms like Vizzve Financial, which use AI and alternate data to approve loans.
🔍 Why CIBIL Score Drops Below 600
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Missed EMIs or credit card dues
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Overdependence on short-term credit
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No credit history (new-to-credit users)
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Multiple rejected loan inquiries
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Closed cards or inactive accounts
✅ Top Loan Options for People with CIBIL < 600
| Platform | Approval Criteria | Score Flexibility | Disbursal Time | Trusted? |
|---|---|---|---|---|
| Vizzve Financial | PAN + Aadhaar + Bank Activity | ✅ Very flexible | ✅ 10 mins | ✅ RBI-tied |
| KreditBee | Salary slip + PAN | Moderate | 30–60 mins | Yes |
| CASHe | Income + app usage history | Moderate | Same day | Yes |
| NIRA | Bank flow + limited docs | ✅ Flexible | 24–48 hrs | Yes |
| MoneyTap | Existing card + KYC | Medium | 2–3 days | Yes |
💡 Vizzve stands out by using UPI, bank behavior, and employment patterns instead of just your credit score.