Built for thin files: scores from around 650 and income from ₹13,500
Figures published by Moneyview as of 3rd August 2026. Indicative, not an offer.
Moneyview is an NBFC-led digital lender that prices from 14.00% p.a. and sanctions up to ₹10 lakh over terms to 60 months, with a processing fee from 2%. It exists for applicants the banks decline: a bureau score around 650 is workable, net monthly income of ₹13,500 is enough, and the whole journey runs inside an app with money often landing within twenty-four hours.
The cost of that access is the rate. Starting 4 percentage points above the bank floor, a Moneyview loan is materially more expensive than an HDFC or ICICI equivalent — which makes it a sensible route when the alternative is no loan at all, and a poor one when a bank would say yes.
The panel above is the wider NBFC market Moneyview competes in, for context. Rates in the 30% range are common at the app end of that market — annualise any monthly figure before comparing.
| Product or borrower segment | Interest rate |
|---|---|
| Moneyview personal loan | 14.00% p.a. onwards |
| Poonawalla Fincorp | 9.99% p.a. onwards |
| Kissht | 12.00% p.a. onwards |
| DMI Finance | 11.90% p.a. onwards |
| KreditBee | 12.00% p.a. onwards |
| Zype | 1.5% per month onwards |
| mPokket | Up to 36.00% p.a. |
| PaySense | 1.4% - 2.3% per month |
Opens at 14% p.a., the lowest rate Moneyview publishes. Raise it to see what a weaker bureau score would cost you.
Reducing-balance interest, the same basis the lender quotes on. The interest figure is what the loan adds to the amount you borrow.
Early instalments are mostly interest. The principal only starts falling quickly in the closing years, which is why prepaying early saves so much more than prepaying late.
| Year | Principal paid | Interest paid | Balance |
|---|
Where banks on this panel start at 710 to 750, Moneyview will assess from around 650 — often the difference between an offer and a decline.
At ₹13,500 net a month, the bar sits well under the ₹25,000 most banks ask for.
Approval and disbursal usually complete within twenty-four hours of a clean application, with no branch visit.
A ₹60,000 requirement gets underwritten seriously rather than being pushed towards a card or a much larger loan.
Processing and foreclosure charges routinely outweigh a small difference in rate. Read these against the rate table above.
Meeting these is what gets the file assessed. Where you land inside the rate band is decided separately, by your bureau record.
Every rate you check and every offer you compare credits coins to your wallet, and they convert 1:1 into rupees.
Usually not. Starting at 14% against a bank floor near 10%, a ₹5 lakh five-year loan costs roughly ₹60,000 more in interest. Try the banks on this panel first.
Around 650. Below 600 an approval is unlikely anywhere, and the useful step is to fix the bureau record before applying again.
The processing fee and documentation charges are deducted at disbursal. On ₹5 lakh with a 2% fee, roughly ₹4.88 lakh reaches the account while EMIs are computed on the full ₹5 lakh.
9.99% onwards
Up to ₹40 lakh · fee Up to 2%
Read the terms →10.00% - 30.00%
Up to ₹55 lakh · fee Up to 3.93%
Read the terms →12.00% - 22.50%
Up to ₹25 lakh · fee Up to 2%
Read the terms →9.99% onwards
Up to ₹50 lakh · fee Up to ₹6,500
Read the terms →