Personal loans starting at 10.75%

Basic details

(mentioned in your pan card)

Apply personal loan online

Personal loans starting at just 10.75% from a basket of lenders to choose from, is all that you’ll need to avoid any costly risks.

Instant Personal loan, is an unsecure and easy form of credit,It will make sure you never run out of money, especially when you are facing a temporary financial downfall. These will aid you in meeting your immediate needs and is multi-purpose in nature as well. Starting from your home renovation, till your wedding or to your travel expenses, these loans will make sure you have enough money in your wallet. Personal loan is wholly just for your personal expenses and expenditures. Just grab it, before it’s too late.Running out of money can prove to be too risky.

Benefits of personal loan interest rate

No collateral required :

Personal loans need not require any collateral for any security purposes as the loans themselves are unsecured. The alternative to collateral is your obligation to pay your interests for your loan. Need not worry, you can, at anytime, opt for a low-interest personal loan from us at ease,if you meet the eligibility criteria.

Minimal Documentation :

Documentation is mandatory for any legal purposes, especially if they involve money. Drawing a personal loan, would require only a very short period of your time to finish the verification and documentation process, as we are in the modern digital era. This benefit is applicable only for those who apply for an instant personal loan as their requirements consist of only a minimal documentation approval and a fast disbursal method.

Easy Approval:

In terms of any financial emergency in your life, personal loans are the best possible way to escape from such emergencies as they are quick and easy in approval. Being digital has made this feature of “Easy Approval” possible thereby reducing time in the over-consuming verification process.

Multipurpose in nature:

One of the most salient features of Personal loans are its ability to nurture multiple purposes apart from any investment or any illegal activities. Though they are multipurpose in nature they are for a specific purpose only and can be used only for the same purpose. For instance, if you tend to take a home loan, you can use them for purchasing a house, whereas when you take a car loan, you can use them to buy a car. However, a home loan cannot be used for purchasing acar and the vice-versa. Any personal loan withdrawn will help you meet your immediate offset requirements.

Personal Loan Eligibility:

An Eligibility marks the minimum criteria that you’ll need when applying for any type of loan in any financial institution. Different institutions have different eligibility criteria, depending upon its nature, however, few criteria are mandatory to be followed. Most of the personal loans are granted by the banks/NBFCs but with a different eligibility requirement, unlike others. The different aspects involved in meeting the eligibility criteria for an personal loan are the aspects that focus on your credibility and financial status. Following are the eligibility criteria which needs to be strictly followed.

Age Min: 18/21 years
Max: 60/65 years
Employment Type 1. Salaried
2. Self-Employed professionals
Credit score 750 or above with a good credit history
Minimum Net Income (Monthly)
  • Rs. 15,000(non-metro cities)
  • Rs. 20,000( metro cities)
Loan Amount Up to Rs. 50 lacs depending on the credit profile.
Work Experience Salaried
  • Should be working at the current company for at least 6/12 months.
Self-Employed
  • Business tenure of at least 3 years(continuous).
  • ITR of last 3 years

These requirements are all that will take you up in the ladder of getting your personal loan approved by our financial market.

Documents Required for Personal Loan

The mandatory documents that are required for the approval of your personal loan are:

For Salaried Individuals:

1. Your Identity & Age Proof are compulsory for verification.

2. Completely filled personal loan application with photograph which is the second important step which will contain all the essential details that will specify your loan requirements.

3. PAN Card is essential as we are dealing with money of quite large sum and the interference of income tax is very much expected.

4. Residence proofs like your Passport/ Driving license/ Voter ID/ Postpaid/landline bill/ your utility bills (electricity/water/gas) are required.

5. Bank statements for the last 3 months (preferably your salary account) in order to access your credit worthiness/ credibility.

6. Salary Slips of last 3 months to act as a proof for your credibility.

7. Form 16 or Income Tax Returns of last 3 years.

For Self-Employed Individuals:

1. Your Identity & Age Proof are mandatory for verification.

2. Completely filled personal loan application with photograph which is the second important step which will contain all the essential details that will specify your loan requirements.

3. PAN Card is essential as we are dealing with money of quite large sum and the interference of income tax is very much expected.

4. Residence proofs like your Passport/ Driving license/ Voter ID/ Postpaid or landline bill/ your utility bills (electricity/water/gas) are required.

5. Bank statements for the last 3 months (preferably your salary account) in order to access your credit worthiness/ credibility.

6. Salary Slips of last 3 months to act as a proof for your credibility.

7. Last 3 years Income Tax Returns with computation of Income to ensure your creditworthiness.

8. Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account for understanding your company’s functioning and in accessing your credibility.

Types of Personal Loan:

Personal loans can vary depending upon its need and utility and especially when it deals with such dynamic beings, these loans tend to stay that way as well.

1. Personal Loan For Home Improvement:

A home is always a place for betterment and growth and there’s always something that can be done to such homes to make them more sparkling. For such activities, this instant personal home loan will help you meet your needs in excellence,despite any financial crisis. Any activity, starting from remodeling your kitchen/renovating your interiors to presenting your house as a perfect mix of comfort and durability, this type of home loan can prove to be very efficient and effective in all its way.

2. Personal Loan for Weddings:

A wedding, though is a one-time investment, consumes more of your savings, time and energy for which the former aspect may drain out quite soon than expected. To remove you out of all such obstacles there is a prescribed category in the personal Loan column which grants loans for weddings. Now, with a happy heart and a peaceful mind, plan your wedding with ease and comfort.

3. Personal Loan for Travel:

Now-a-days travelling is in everyone’s bucket list and the reason why they keep staying in the list is mainly because of one’s inefficiency in terms of money.Personal loans for travel provide you the perfect platform which will cover your travel expenses in the most convenient and economic manner. It’s also an open option where your uses can be altered with your credit cards and helps you save on your interest costs.

4. Fresh Funding:

Fresh funding refers to the funds that meet one’s working capital requirements which is usually a daunting process for many, especially the entrepreneurs and small business professionals. Everyday operations will be affected in the absence of funds for whichthis platform of fresh funding would prove to be the best solution. They cover your short-term working capital requirements like accounts payable, wages and so on.

5. Top Up Personal Loan:

This type of loan grants you access to borrow a certain amount of money over your personal loan without affecting your actual personal loan. Though the interest rates for your personal loans are considerably cheap, the interest rates for your Top up loans will seem slightly higher than the regular loan. This is of many facilities provided by financial institutions to its customers for their well-being.

6. Personal Loan Balance Transfer:

Getting tedious with paying interests for your loan? Don’t worry, Personal Loan Balance Transfer will bring you ease and comfort in repaying your existing loan. You can pay off your existing loan with a help of a new loan at a lower-interest rate. By this means, you can save thousands on your interest costs of your personal loan. Whenever you opt this method, never forget to note that there is a extra charge associated with a Personal Loan Balance Transfer.

How To Apply For A Personal Loan at ClickLends?

As stated before, one of our key features is the fact that we possess a simple and quick online application method,

Applying for an personal loan in clicklends involves three simple steps:

Step-1: Filling of the quick form:

A Quick form is the most significant prospect,you can replace for by 'as' it is required to decided who is eligible for a loan and who is not, depending upon one’s credibility and stability and also for one’s own personal information, proof and verification of information provided. In the first step, the customer needs to fill in the quick form which includes filling the following details:

  • Full Name (as per PAN Card)
  • Date of Birth
  • Email
  • Address
  • Contact Number
  • Monthly Income
  • Expected Loan
  • Amount Work
  • Experience
  • Company Name
  • Pan Number
  • Pincode
Step-2: Process of Verification and Documentation:

After completing Step-1, you shall receive a call from our customer care regarding your document verification and collection of the mentioned documents (if not yet supplied). After you finish giving your personal information, our customer care will reach you through a call and will request you to present certain documents such as your Pan card, your Salary receipt and so on in order to verify the details supplied in the quick form. The next thing which will happen is the process of verification, where the prescribed details will be cross-checked for one last time before initiating the loan process.

Step-3: Processing of Loan:

Once the quick form is filled with the necessary details and once the verification process gets over, you’ll reach the last step to get your loan amount credited to your bank account. Once the verification is done, the loan process will start and within 3 days the loan will be processed to the respective borrower and his bank account will be credited with the loan amount. Just 3 days, and the entire loan amount will become yours for use.