Personal Loans

When it comes to securing a reliable source of funds to bolster your finances, nothing’s more fitting than Clix Capital’s personal loans. Whether you wish to consolidate your debts or attain a valuable asset – we at Clix provide you with instant personal loan approvals to fund all your financial requirements within the short span of just 24 hours!


Don’t worry about providing collateral, risking any valuable asset, or taking care of extensive documentation for personal loan at Clix Capital. We take care of all these for you and provide you with a hassle-free process to take a personal loan online. So, what are you waiting for? Just provide your phone number, and our customer representative will reach out to you shortly!

Apply Now

Personal Loan in Noida

Personal loans are the top option when it comes to fulfilling your varied financial needs. You can use the funds from a personal loan to fund a variety of needs like:


  • Debt consolidation – Consolidate your multiple debts into one with one instant, high-value personal loan.
  • Medical emergency – Never fret in case of a medical emergency. Avail online personal loan for medical emergencies with minimal documentation for that need immediate funding.
  • Home renovation – We provide you with the means that turn your house into your dream home! Manage home renovation expenses with our best personal loan plans.
  • Higher education – We provide full financial support to your child during their higher education with our high-value online personal loan. Attaining the best education is made possible with Clix Capital’s personal loan for education!
  • Wedding – Make your special day more special! Meet all the high-end expenses of a dream grand wedding with the help of Clix Capital’s personal loan for wedding.
  • Travel – Fulfil your travel goals and make your vacation a memorable one. Cover all your travel expenses with our Personal loan for travel.

Am I Eligible for A Personal Loan from Clix Capital?

Minimum and Maximum Age:

  • 21 Yrs. – 58Yrs

Personal Loan Amount.

  • Upto Rs. 10 lakhs.

Current Loan EMI Impact.

  • Existing loans EMIs can reduce the eligibility of getting a new Personal loan.

Net Monthly Income.

  • For salaried employee who have been employed in the current company for 6 months and have a total professional experience of at least 12 months?
  • Earning a minimum income of Rs 20,000 per month?
  • If the answer to all of these is ‘Yes’, then guess what – you’re eligible!

Here’s What Clix has to Offer!

Loans From ₹ 50 Thousand to ₹ 10 Lakhs

  • Our personal loans provide you with ample funding to take care of any personal requirement with the greatest of ease.

Customised Repayment Options

  • Our flexible repayment periods of anywhere between 12 to 48 months ensure that face no hassles in repaying your loan.

Easy And Quick Approvals

  • With our timely approvals and quick disbursals, you’ll be able to fund your monetary requirements at the drop of a hat.

The minimum interest rate offered is 18.50% and maximum interest rate is 29.99% with a flexible repayment period of 24 to 60 months. The interest rates depend on and varies based on each customer’s individual credit profile.

Benefits of Personal Loan

Hassle-Free Loan Processing: You can apply for a Personal Loan online at Clix Capital from the comfort and privacy of your home. The application process is straightforward that even a newbie can complete easily.


Instant Approval and Disbursal: Our Personal Loans are approved instantly, and you may get your approved loan amount in your bank account within 15 minutes*


Freedom to Use As You Wish: One of the biggest benefits of Personal Loans from Clix Capital is that you are free to use your loan amount for any purpose of your choice, be it a wedding, home renovation, vacation, higher education, debt consolidation, or medical emergency.


No Need to Provide Any Collateral: Since these are unsecured loans, you don’t need to pledge any collateral or provide any guarantor to secure your loan.


Easy Documentation: The paperwork required for a Personal Loan is minimal. You may get your loan simply by proving your identity, address, and income with basic documents. You don’t even need to upload or submit these documents anywhere. If your KYC is updated with Aadhaar or PAN, you can get your documents verified online by providing a few necessary details.


Flexible Repayment: You may pay off your borrowed amount in easy EMIs. The payment terms are flexible, and you are free to choose your loan tenure according to your monthly budget and repayment capacity.


Personal Loan Details

Loan Amount Up to ₹10 lakhs
Loan Tenure 12 to 48 months
Interest Rate Variable *
Processing Fee Based on the Loan Amount


How to Apply for a Personal Loan at Clix Capital?

Ready to apply? Follow these instructions to start your Personal Loan online application process:

Eligibility Criteria for Personal Loan

Personal loan eligibility criteria at Clix Capital include:

Nature of Employment Applicant should be a salaried employee with fixed income
Minimum Income ₹20,000 per month
Age 21 years at the time of loan application

58 years at the time of loan term-end

Nationality Indian
Credit Score 630 or above
Work Experience Total work experience: 12 months

Job in the current organisation: 6 months

Why Should You Apply for a Personal Loan at Clix Capital?


Clix Capital is a better provider for Personal Loan in India than the others for several reasons like these:


Loans From ₹ 1–10 Lakhs

Our Personal Loans provide you with ample funding of up to ₹ 10 lakhs to take care of any individual requirement with the greatest of ease.


Customised Repayment Options

Our flexible repayment periods of anywhere between 12 and 48 months ensure that you face no hassles in repaying your loan.


Easy And Quick Approvals

With our timely approvals and quick disbursals, you’ll be able to fund your monetary requirements at the drop of a hat.


Multi-Purpose Loans

We put no restrictions on the end-use of your approved loan amount. Once you get your loan amount, you are free to use it for any purpose, be it a wedding, home renovation, debt consolidation, higher education, vacation, or medical emergency.


Minimal Documentation Needs with Online Verification System

We require only the basic documents to verify your identity, address, and income. If your KYC is updated with Aadhaar and PAN, your documents can be verified online without the need to upload or submit them anywhere.


No Collateral Requirement

Our Personal Loans are unsecured, which means you do not need any collateral, security, or guarantor to secure them.

What are the Personal Loan EMI Options Available?

When you apply for a Personal Loan online from Clix Capital, you get 12 to 48 months to repay your loan in easy EMIs. You are free to choose your loan tenure within this range, depending on your monthly budget and repayment capacity. You may get an estimate of your EMIs using our Personal Loan EMI calculator and adjust your loan amount or loan tenure accordingly. Therefore, you won’t face an issue repaying your EMIs.

Personal Loan EMI Calculator

Personal Loan EMI calculator is a valuable tool that can help you select your loan tenure according to your budget and repayment capacity. When you enter the loan amount and choose a tentative loan tenure, you get an estimate of EMIs you will be paying every month. Accordingly, you can adjust the loan tenure until you get EMIs that you can easily afford within your budget.

This tool is absolutely free to use any number of times. So, use it to make an informed decision regarding your loan tenure.

Personal Loan Interest Rate

EMIs you pay every month comprise your principal amount along with the interest rate. We keep our interest rates competitive in the market to ensure easy repayment for our borrowers. However, the Personal Loan interest rate applicable to your Personal Loan depends on varied factors, like your loan amount, credit score, income, employment, and repayment tenure.


Looking for the best Personal Loan interest rate? Follow these tips:

    • Maintain credit score of 630 or above
    • Be regular with your credit card bill and loan EMI payments
    • Keep credit utilisation ratio low
    • Maintain a low debt-to-income ratio
    • Borrow according to your repayment capacity

At Clix Capital, you are sure to get the best Personal Loan interest rates no matter what.

Best Personal Loan in India

If you are looking for a Personal Loan in India, Clix Capital is no doubt the best choice for you. Our Personal Loan is an excellent way to obtain the required funds quickly for a varied range of needs.


Whether you want to cover the costs of a wedding, education, travel, home renovation, debt consolidation, or medical emergency, the best option is to take a Personal Loan from Clix Capital. It’s an instant loan with which you can meet the need of the hour. We approve and disburse your funds quickly in minutes with easy eligibility conditions and minimal documentation needs. You may repay the loan over 12 to 48 months in easy instalments.


Over all these years of customer-centric approach, the Economic Times has recognised us as one of the Best BFSI Brands 2021. Looking for a quick fund of up to ₹10 lakhs, you can use our SpeedyMoney loan to cover your expenses.

One of the Best Personal Loan Companies in India

Clix Capital is a technologically advanced NBFC that has made loans easily and quickly accessible to the borrowers in India. With fast approvals, simple eligibility conditions, and minimal paperwork, we offer you the required funds directly to your bank account within a matter of minutes.


Personal Loan interest rate depends on the credit score, loan amount applied for, credit history and more such components of the individual’s credit profile.

Benefits of personal loan

What Documents Do I Need to Provide?

Completed Application Form

  • We will provide you with a run-of-the-mill application form to detail out all the information we need before processing your personal loan request.

Passport-Size Photograph

  • This photograph should be fairly recent and indicative of your current physical appearance.

Identity (ID) Proof

  • This can be either your Aadhaar Card, PAN Card, or Government ID (if you happen to be a government employee).

Address Proof

  • Your Aadhaar Card is the go-to document here. In case your current address is not updated in Aadhaar card, one certified copy of any Official Valid Document (OVD) is required. These OVDs are either your Passport, Voter ID, or Driving License.

Income Proof

  • This comes in the form of your latest one-month pay slip or Form 16 for the current year.

How Do I Apply For Personal Loan online from Clix Capital?

application form
  • 1. Fill out the application form. It only takes 3 minutes to do so!
online chat
  • 2. Check out & approve applicable interest rate, tenure and EMIs
loan approved
  • 3. Congratulations! The personal loan is disbursed to your bank account.


How do I avail a personal loan from Clix?

Availing a Personal Loan from Clix Capital is quick and hassle-free. We offer Personal Loans at the minimum Experian credit score of 630. All you have to do is apply online and get quick approvals at attractive interest rates. And yes, don’t forget to check your eligibility before applying.

What will be the tenure, down payment, EMI, and interest rate for my personal loan?

At Clix Capital, you can choose from customised repayment (EMI) and down payment options. However, the interest rate of your personal loan depends on various factors, such as the specifics of your application (including metrics like date and income). We’ll tell you the final applicable interest rate once we go through your application form and all supporting documents.

Do I need any collateral to avail a personal loan?

Not at all! There is no additional collateral or guarantors required to have your personal loan application approved.

How can I reach out to Clix for any other information on my loan?

Just call us on +91-120-6465400 between 9:30am-6:30pm from Monday to Saturday (except public holidays). Alternatively, you can also write to us at to resolve your queries around personal loan.

What is the best Personal Loan?

Clix Capital has the best Personal Loan that offers you an ample loan amount of up to ₹10 lakhs at competitive interest rates. It is easy to apply with simple eligibility conditions and minimal documentation requirements. It also comes with a flexible repayment tenure of 12 to 48 months, and there are no end-use restrictions to the approved loan amount’s usage.

What are the documents required for a Personal Loan?

To apply for our Personal Loan, you just need to get these documents verified online:

    • Duly filled online application form
    • Recent passport size photograph
    • Identity proof like Aadhaar Card or PAN Card, or government ID for government employees
    • Address proof like Aadhaar Card, Voter ID, passport, driving license, etc.
    • Income proof, including your last month’s payslip or current year’s Form 16

If your KYC is updated with your Aadhaar and PAN, you don’t need to upload or submit the documents anywhere. You can get them verified online within a matter of minutes.

What are the eligibility criteria for a Personal Loan?

You need to fulfil these conditions to apply for a Personal Loan from Clix Capital:

    • You must be between 21 and 58 years of age
    • You must have a monthly income of at least ₹ 20,000
    • You must be working with your current employer for at least 6 months
    • You must have work experience in the current field for a minimum of 12 months

Apart from these, you must also have a credit score of 630 or above.

What is the Minimum salary required to get a Personal Loan?

You need to have a minimum salary of ₹20,000 to apply for a Personal Loan from Clix Capital.

How can I calculate Personal Loan EMI?

The formula that you can use to calculate your Personal Loan EMIs is:

EMI = P × r × (1 + r)n/((1 + r)n – 1)

P is the principal loan amount, r is the rate of interest, and n is the number of months for which you are taking the loan.

This is a lengthy process that may take a lot of your busy time. To save yourself from these calculations, you can simply use the Personal Loan EMI calculator available here. It is a free-to-use tool with which you can get an estimate of your EMIs by entering your loan amount and desired loan tenure.

What is the maximum Personal Loan that I can get?

Clix Capital offers Personal Loans of up to ₹10 lakhs. However, the loan amount sanctioned to you depends on your salary, credit score, documents, employment, loan tenure, personal requirements, and other factors.

Why should you choose Clix Capital?

Clix Capital is a reputed and experienced NBFC offering Personal Loans of up to ₹10 lakhs with the freedom to use the loan amount the way you like. We offer collateral-free Personal Loans with simple eligibility criteria and minimal documentation requirements. Thanks to our streamlined application and approval procedure, you can get your loan approval instantly*. Our interest rates are competitive, and we also have a plethora of tools that you can use to make an informed decision, including EMI calculators and a credit score checking tool. Besides these, we offer extensive support to our customers through our specialised customer service team.

So, if you are looking for a Personal Loan, look nowhere else than Clix Capital.

What is the difference between a term loan and a flexi loan?

A lender extends a term loan for a specific period with a set repayment schedule with a fixed interest rate. However, a flexi loan gives you the flexibility to withdraw only the money you need from your approved loan amount as and when the need arises, without any restrictions on the number of times.

How long does it take to get approved for a Personal Loan?

If you meet our eligibility conditions and produce all papers in time, you can get your loan approval at Clix Capital in as little as 15 minutes*.

How can I get quick approval on my Personal Loan application?

To ensure quick approval of your Personal Loan application, these are the tips to follow:

    • Check the lender’s eligibility conditions before applying and ensure that you fulfil them
    • Check your credit score and ensure that it is above 630
    • Know the documentation requirements and keep them ready at the time of application
    • Get your KYC updated with your Aadhaar and PAN and facilitate online verification of your documents
    • Be careful while filling your application form to check there are no errors or discrepancies

Do you need any collateral for availing a Personal Loan?

No, Personal Loans from Clix Capital are collateral-free, which means you can avail them without any collateral, security, or guarantor. We determine your creditworthiness by checking your credit score and repayment history.

Sounds too good to be true?

Get in touch now and we’ll show you that simple, fast, and accessible personal loans are really possible!

Apply Now