Clix > Finance > 6 Life Situations Where You Need an Instant Personal Loan

6 Life Situations Where You Need an Instant Personal Loan

Clix February 10, 2021


Instant Personal Loan

Everyone tries to save some portion of their income rationally to have a financial surplus to meet any requirement of funds during an emergency. Given the increase in cost of commodities, healthcare, medical treatment, expenses associated with wedding, cost of home expansion/renovation; no matter how much we try to accumulate as savings, the inflation and other factors have us resorting to some kind of financial assistance when the need strikes.




Be it for debt consolidation, medical emergencies, funding wedding expenses, or home renovation; these situations call for urgent need of funds and getting an instant personal loan in such moments is a wise choice. The reason why an instant personal loan is the best bet is because it is easy to apply and it doesn’t take long to get the funds if the eligibility factors are met.

Here are 6 life situations where an instant personal loan can be a saviour:

6 Situations to Avail an Instant Personal Loan

  1. To Meet the Costs of a Medical Emergency

Medical emergencies top the list as one of the biggest reasons most people resort to availing an instant personal loan. Given the inflation and rising healthcare costs, even those with a health insurance can find it challenging to cover all expenses related to a medical emergency. The medical bills, in most situations, outgrow the health insurance cover giving rise to the need to pay the balance amount from your pocket.

Furthermore, if the medial emergency has rooted from a critical illness like cancer and heart disease, it becomes all the more difficult as that leads to loss of income for the absent days too. Also, the health insurance may not cover the cost of treatment of elderly patients in most cases.

In such instances, an instant personal loan for medical emergency can be your best bet. When you apply for an instant personal loan online from a NBFC like Clix Capital, the waiting time for the loan approval is quick, as the funds are disbursed to your bank account in as less as just 15 minutes*.

  1. To Consolidate Multiple, Existing Debts

If you’ve multiple credit accounts like an existing loan and credit card/s, it can be a hassle managing all of them simultaneously and making sure that their payments are made on time. Apart from being a hassle, a credit card can turn out to be an expensive affair with overdue amount attracting a high rate of interest. All this can put you under a lot of financial stress and increase chances of a default on the loan or credit card.

In such cases, it is always a prudent choice to opt for a personal loan for debt consolidation and merge all credit accounts by taking a single, high-value loan. These are situations of crisis and call for an instant personal loan to lift the burden of expensive debt off your shoulders. An instant personal loan can help you save big on the interest amount payments.


  1. To Fund Wedding Expenses

Since style and extravagance is what everyone wants to indulge in during weddings, finances are most likely to spiral out of control in such situations. An Indian wedding is an expensive affair and calls for a lot of expenses to be taken care of – wedding venue, jewellery, wedding trousseau, gifts, photography, and what not. Breaking open your savings to cater to wedding expenses is certainly not recommended.

In such situations, an instant personal loan for wedding can save the day. If you’re looking for a last-minute credit to fund some big-ticket wedding expenses, avail an instant personal loan to have the wedding of your dreams and make it a memorable affair.


  1. To Meet Expenses of Higher Education

We understand it is your long-standing dream to send your child to a reputed foreign university or in India for higher education. You may even be planning to go for higher education yourself. With the cost of education increasing globally, it can be challenging to meet the rising costs of higher education without having an external financial assistance.

An instant personal loan for higher education comes in as a respite in such stressful conditions. You can fund these expenses, living expenses, and more with the help of an instant personal loan for higher education.


  1. Home Repair/Renovation/Expansion

Although home renovation is not always an emergency, there may be situations when your home needs emergency repair. There could be seepage which cannot be left unchecked, damaged structure due to any unforeseen reason, leakage, or some sections of your home may call for an emergency repair and renovation to stop it from deteriorating further. Also, most Indian families get their homes repaired and renovated before a momentous occasion like a wedding or a major festival.

Since such repairs and renovation work can’t be put on hold for long, availing an instant personal loan in such scenarios is a great choice. An instant personal loan can be availed at an affordable rate of interest over a flexible repayment tenor to suit your budget and convenience. An instant personal loan saves you from emptying your savings to meet home repair/renovation expenses.


  1. To Pay for an Emergent Big-ticket Purchase

Though most salaried professionals like to time the purchase of big-ticket consumer durables, sometimes, you’ve got no choice but to go for an instant personal loan to meet such expenses. For instance, it’s scorching summer and you want to upgrade the old air conditioners in your office or home with new ones; taking an instant personal loan helps you avoid the hassle of gathering funds at once.

In another scenario, if you want to propose to your partner and make it special, an instant personal loan can help you take care of all the expenses to support your proposal.

How to Apply for an Instant Personal Loan from Clix Capital?

Now that you know how an instant personal loan helps you at different stages of life, it gets imperative that you understand how to apply for an instant personal loan to let you have easy access to funds, anytime, anywhere. Here’s how to get started:

    • Click here to fill the online loan application form
    • Verify your phone number with an OTP
    • Input your PAN details at the next step
    • Share professional details.
    • Complete the form.

If your loan application meets our criteria, you will be presented with a pre-qualified offer. On accepting that, furnish your repayment info and desired loan period at the next step. Voila! The funds will be disbursed to your bank account in just 15 minutes*.

Do not let the financial obstacles get the better of you; apply for a Personal Loan from us now!

Write in to us at or call us at 18002009898.

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(*T&C apply)

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