Loans for every need — even with a low credit score
Low CIBIL? We still find you a lender.
Business loan, home loan, loan against property, car loan, used car loan and personal loans. We compare offers from multiple banks and NBFCs — including lenders that consider applicants with a low credit score — and handle the paperwork for you.
- No upfront fees, ever
- Multiple banks & NBFCs compared
- Options for low credit scores
- Support until disbursement
Our loans
One place for every kind of loan
Business Loan
Working capital, expansion and machinery finance for MSMEs, traders and self-employed professionals.
DetailsHome Loan
Buy, build or renovate your home — plus balance transfer to cut your EMI.
DetailsLoan Against Property
Unlock the value of your home, shop or office for business or personal needs.
DetailsNew Car Loan
Drive home your new car with financing on the on-road price and quick processing.
DetailsUsed Car Loan
Finance a pre-owned car from a dealer or individual seller, with help on valuation.
DetailsPersonal Loan
Unsecured funds for weddings, medical needs, travel or debt consolidation.
DetailsEducation Loan
Collateral and non-collateral loans for studies in India and abroad.
Details Low credit score?See your optionsHow it works
From enquiry to disbursement in four steps
- 1
Share your needs
Tell us the loan you need, your income and your credit score range.
- 2
We match lenders
We compare banks and NBFCs that fit your profile — including low-CIBIL options.
- 3
Documents & application
We prepare a complete file and submit it to the right lender.
- 4
Sanction & disbursement
We follow up with the lender until the money reaches you.
Low credit score?
A low score doesn’t have to mean no loan
Many banks and NBFCs look beyond your CIBIL score. We know which lenders consider lower scores, and how to present your application so your strengths are clear.
Stable income
Regular salary credits or business turnover can outweigh a lower score.
Collateral
Secured loans like LAP or gold-backed options widen your choices.
Co-applicant
Adding a family member with a good score can improve eligibility.
Approval, interest rate and terms are always decided by the lender.
We never ask for upfront fees
Meca Finance will never ask you to pay money to “approve”, “guarantee” or “release” a loan. Any processing fee is charged by the lender and shown in your sanction letter. If someone asks you to pay in our name, don’t — report it to us immediately.
FAQ
Questions borrowers ask us
Honest answers, no jargon.
Can I get a loan with a low CIBIL score?
Often, yes. We work with banks and NBFCs that look beyond the score — at income stability, collateral, co-applicants and banking history. Approval, rate and terms are always decided by the lender.
Do you charge any fee upfront?
No. We never ask for money to “approve” or “guarantee” a loan. Any processing fee is charged by the lender and shown clearly in your sanction letter.
Will checking eligibility affect my credit score?
Submitting this form does not affect your credit score. A lender may run a credit check when you formally apply — we’ll tell you before that happens.
Are you a bank?
No. Meca Finance is a loan facilitation service. We help you choose the right lender and manage the application; the loan itself is given by the bank or NBFC.
How long does the process take?
It depends on the loan type and lender. Personal loans can be quick; home loans and loans against property take longer because of property checks. We’ll give you a realistic timeline up front.
Partner with Meca Finance
Loan agents, CAs, real estate and insurance advisors: refer clients who need a loan and earn a commission on every loan disbursed.
Find out what you’re eligible for
Free check, no effect on your credit score, and a real person to guide you.