Last Updated: October 29, 2026
CIBIL take you to remain to eye your favorite new smartphone for a while now? But it simply seems too expensive and out of your reach? You are not alone. Also, with the world becoming extra technologically advanced, top mobile phone brands release top-class smartphones every year. And even the most basic model can start at nothing less than 15,000 Rupees.
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However, today, you can buy the smartphone on EMI, for which you can require a debit and credit card. But the next question you were probably asking yourself is, “My CIBIL score is meager, and “I did not even take a credit card! What do I do?”
Also, it’s not easy to get an instant loan without a credit card and a low CIBIL score. Here’s diving deeper.
A CIBIL score is a three-digit number ranging from 300 to 900 that determines whether you can get a loan. Anything above 750 considers too good.
But taking a low score or not taking one at all can severely hamper your chances of getting any loan. Also, banks and financial institutions find it difficult to trust you to pay back your dues in time.
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So how do you get an instant loan without CIBIL?
1. Find lenders:
It thoroughly researches lenders and companies willing to offer you credit without a credit card or a low score. And make sure that the company is trustworthy and not a virtual loan shark. Check how transparent they are and ideally talk to people who have used their services.
2. Be careful about interest rates:
Some fraudulent online and offline companies entice you with their offerings on instant loans without CIBIL. But charge a very high interest rate on your loan. Be wary of these conditions and, as a general rule, avoid institutions that charge exorbitant amounts of interest.
Also, it financially drains you out as you start paying back your EMIs. If you want to buy a zero down payment mobile phone online, always check out interest rates and then take a call.
3. Check out online lenders:
Left are the days when you physically visit a bank or a money lender to get a loan. In today’s data-driven, AI world, several fintech companies take made it very easy for people to get an instant loan without a CIBIL score. One such company is Zest Money.
Here’s how it works:
1. Sign up on Zest
2. Fill out your details and submit KYC documents
3. Use Zest credit that you receive to buy whatever you want
4. Also, payback in flexible periods through no-cost EMI
So, the next time you are looking for zero down payment mobile phones online, consider ZestMoney! Buy now, pay later!
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