Personal Loan for Salaried with Low CIBIL Score 2025

ZetLoan offers personal loans for salaried individuals with low CIBIL scores, providing fast approval, quick disbursal, and a 100% paperless application process.

Whether your CIBIL score is below 650 or even under 600, we help you explore customized loan options designed to support your financial journey.

At ZetLoan, we look beyond just your credit score, if you have a stable income, we focus on your repayment capability today, not your past.

Apply online through our fully digital platform in just a few simple steps.

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Happy customer applying for small loan again

Features of Personal Loan for Salaried with Low CIBIL Score

Struggling with a low CIBIL score but have a steady income? ZetLoan helps salaried individuals get instant personal loans without hassle in 2025.

  1. Low CIBIL Score Accepted
    Apply even if your CIBIL score is below 650. We focus on your income and ability to repay, not just your past credit record.
  2. Instant Approval & Disbursal
    Get loan approval in minutes and funds in your account within 24-48 hours, ideal for emergencies or urgent needs.
  3. 100% Digital & Paperless
    Apply online from your phone or laptop. No physical documents, no office visits, just a quick and secure digital process.
  4. Flexible Loan Options
    Loan amounts from ₹25,000 to ₹5,00,000 with repayment tenures up to 60 months and affordable EMIs.

Get the financial support you need without letting a low credit score hold you back. Apply with ZetLoan today and take control of your finances!

Eligibility Criteria for Personal Loan for Salaried with Low CIBIL Score

Looking for a personal loan with a low CIBIL score? Our NBFCs and digital lenders in India now offer personal loans to salaried individuals even with a credit score below 650. If you have a stable income and meet some basic requirements, you may still qualify.

Here are the key eligibility criteria for salaried applicants with a low credit score:

  • Employment Type: You must be a salaried employee, working in either the private or government sector.
  • Monthly Income: Your net monthly salary should be ₹15,000 or higher. Some lenders may require more based on the city or employer.
  • Age Limit: The applicant’s age should be between 23 and 55 years.
  • Job Stability: Minimum of 3 to 6 months of continuous employment in the current organization is required.
  • Low CIBIL Score Accepted: Applicants with a CIBIL score below 650 can apply. Lenders consider income, not just credit history.
  • Indian Residency: Must be an Indian citizen and a resident of India.

Zetloan Personal Loan Documents for Salaried with Low CIBIL

Applying for a personal loan through Zetloan? Even if your CIBIL score is below 650, you can still get approved based on your income and employment stability provided you have the right documents ready.

Required Documents for Salaried Applicants

DocumentPurpose
PAN CardFor identity verification and tracking your financial profile
Aadhaar CardServes as both identity and residential address proof
Salary Slips (Last 3 Months)Confirms income consistency and job status
Bank Statements (Last 3–6 Months)Used to assess salary credit and financial behavior
Employee ID Card or Offer LetterVerifies your employment status and organization
Passport-size PhotographRequired for loan file and processing
Signed Loan Application FormMust include accurate personal, employment, and income details

Why Zetloan Needs These Documents

At Zetloan, we believe in helping salaried individuals with low credit scores get access to hassle-free financing. These documents help us:

  • Evaluate your repayment capacity
  • Verify your job stability
  • Ensure fast and transparent loan processing

With Zetloan, your loan eligibility is based more on your current income and job stability than your past credit score. As long as you meet the basic requirements and submit the necessary documents, approval is quick and easy.

How to Apply for Personal Loan for Salaried with Low CIBIL Score

Applying for a personal loan with Zetloan is quick, simple, and hassle-free  even if you have a low CIBIL score. We focus on your income and employment stability to help you get the funds you need fast.

Steps to Apply for Zetloan Personal Loan

  1. Visit the Zetloan Website or App:
    Open the Zetloan platform on your mobile or desktop browser. You can also download the Zetloan App directly.
  2. Fill the Application Form:
    Enter accurate personal, employment, and income details to begin the loan process.
  3. Upload Required Documents:
    Submit digital copies of your PAN card, Aadhaar card, salary slips, bank statements, and other documents.
  4. Get Instant Verification:
    Our system verifies your details within minutes  focusing more on your income and job stability than your credit score.
  5. Loan Approval & Disbursal:
    Once approved, the loan amount is credited to your bank account within 24-48 hours.
  6. Repay Conveniently:
    Choose a flexible repayment tenure from 7 days to 3 months with affordable EMI options.

Apply now and get financial support when you need it most only with Zetloan!

Ready to Get Started?

Join thousands of satisfied customers who have transformed their financial journey with ZetLoan

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Do you have any question? Well, we'll help to get answers.

We take pride in assisting you by providing answers to all your queries. You can find some of them here.

Can I get a personal loan with a low CIBIL score?

 

Yes, Zetloan offers personal loans to salaried individuals even with CIBIL scores below 650 by focusing on your income and job stability.

What is the minimum salary required to apply?

 

You need a minimum monthly income of ₹15,000 to be eligible for a personal loan with Zetloan.

How quickly will I receive the loan amount?

 

Most loans are disbursed within 24 to 48 hours after approval, ensuring fast access to funds.

What documents do I need to apply?

 

You’ll need PAN card, Aadhaar card, salary slips, bank statements, and proof of employment.

Is collateral or guarantor required for these loans?

 

No, Zetloan offers unsecured personal loans, so no collateral or guarantor is needed.

Can I improve my CIBIL score by repaying this loan?

 

Yes, Zetloan reports timely repayments to credit bureaus every 15 days, which can help improve your CIBIL score.

What is the loan repayment tenure?

 

Repayment options range from 7 days up to 3 months, offering flexibility based on your salary cycle.