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And how Omozing’s NBFC-backed loans can help you get approved faster
An urgent loan is a fast-disbursal credit option meant for situations like medical needs, bill payments, salary delays, or emergency expenses.
But when you have a bad CIBIL score (below 650), most banks and traditional lenders reject the application instantly.
You can still get an urgent loan with a low CIBIL score through:
Banks rely heavily on traditional bureau scoring. A low score signals risk due to:
Banks usually require CIBIL 700+, stable employment, and 0 recent delinquencies. This is why many salaried professionals with genuine emergencies fail to qualify.
Modern NBFCs like Omozing (powered by Aparampaar Finance) consider much more than just CIBIL:
This helps borrowers with bad CIBIL but stable income get approved.
YES — especially if the lender uses alternative data and modern underwriting.
Urgent loans depend more on current repayment ability than past mistakes.
Unexpected health expenses
Bridge the gap until payday
Urgent maintenance needs
Avoid late payment penalties
Support loved ones in need
Cover academic expenses
Omozing is powered by Aparampaar Finance, a fully RBI-registered NBFC. This means: Compliant, Safe, Transparent, and Regulated.
No collateral required. Borrow solely based on income stability.
Even if your CIBIL score is low, the AI underwriting checks salary credits, spending patterns, employer type, bounce history, and bank statement behaviour. This increases your chance of approval.
Most urgent-loan applicants receive decisions within minutes to hours, not days.
If your score is too low for immediate approval, Omozing helps with identifying wrong entries, dispute resolutions, guidance to improve scores, and structured repayment correction. Many borrowers upgrade eligibility within 30–45 days.
If you have a steady job with income ₹18,000+ in metros or ₹15,000+ in non-metros, you can still apply.
No hidden fees, no misleading terms. Everything is NBFC-compliant.
Very simple:
Fill online form
Upload KYC & income docs
AI + human underwriting
Approval & agreement
Money disbursed to your bank
Yes. Omozing evaluates income, employer category, bank behaviour, and repayment capacity—not just CIBIL.
Frequently same-day, depending on documentation and eligibility.
Yes. Omozing is powered by Aparampaar Finance, an RBI-registered NBFC.
Yes, depending on your current income and stability.
No. Enquiries have minimal short-term impact; urgent needs are usually unaffected.
Yes, depending on your FOIR and income.
Even with a low score, you can still get a quick, urgent, unsecured loan if you choose the right NBFC partner.
Omozing focuses on your current repayment ability, your income stability, your intent to repay, and your recent banking behaviour.
Your past does not define your future eligibility.
If you need an urgent loan with bad CIBIL, Omozing can be a fast, safe, and transparent solution.
Apply Today