PERSONAL LOAN

CreditKlick offers personal loans from more than 30 banks and non-bank financial institutions suitable for different consumer segments. Consumers can compare key loan features from the best lenders and apply for the best loan option. We have also formed unique partnerships with multiple banks and NBFCs to offer pre-approved/pre-qualified personal loans with end-to-end digital processing and instant disbursement.

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Minimal Documentation

The Personal Loan Documentation process at CreditKlick varies from individual to individual. The requirements are based on your profession, income and loan ...

Balance Transfer

Balance Transfer Facility to all existing Personal Loan holders running a successful Personal Loan with an external Bank: with the transfer of the Loan the applicant will benefit.

Minimum Rs50,000 Loan Amount

The best personal loan banks in India for a ₹ 50,000 loans as they offer personal loan at lowest rate of 10.49%.

Personal Loan Eligibility Criteria

The following factors are taken into consideration when a lender goes through your loan application. If you meet these criteria, you are eligible for a personal loan:

CriteriaSalariedSelf-Employed
NationalityIndian ResidentIndian Resident
Age23 to 62 years25 to 70 years
Work Experience3 years5 years of vintage with the current enterprise
Minimun monthly incomeRs. 30,000 to Rs. 50,000 depending on the city of residence and ageRs. 30,000 to Rs. 40,000 depending on the city of residence and age
  • Employment stability: Minimum two years of work experience in the same job for salaried.
  • Employment TypeSalaried workers work with reputable organisations, MNCs and private and public limited companies, and the government. Organisations, PSUs and large enterprises
  • Credit Score Preferably 750 or higher as higher credit scores increase loan approval chances
  • Salary: At minimum Rs. For salaried customers, 15,000 per month
  • Self-employed professionals must ensure their business operations can continue without interruption for a minimum of two years.
  • Income: At minimum Rs. 5 lahks per annum For self-employed customers

    • Document required for a Personal Loan

    Keep the following documents on hand when filling the online application form

  • KYC Documents - Aadhar card, PAN card, voter ID card, driving licence or any other government-approved KYC document
  • Address Proof - Documents such as your electricity bill, rent agreement, or passport may be used as proof of address
  • Financial Documents - Bank account statement and other financial documents
  • Employee ID Card

    • Note- Latest Salary Slip or Form 16, Bank account statement of the last 6 months

    HOW TO APPLY

    STEP 1

    Click on APPLY NOW

    STEP 2

    Enter your mobile no. and click on 'I have read & agreed to the terms and conditions'.

    STEP 3

    Click on VERIFY

    STEP 4

    Please enter OTP sent to your mobile no. and click NEXT

    STEP 5

    Please enter First Name, Last Name, Email Address, City and click on CONTINUE

    STEP 6

    Facility to check your Loan status on the go

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    Frequently asked questions

    What credit score is required to obtain a personal loan?

    Can I cancel a personal mortgage after the loan amount has been paid?

    Is there a minimum income required to obtain a personal loan?

    Can I get personal loans if I am a pensioner and have a pension account at one of the top banks in India?

    What is the process for applying for a personal loan for a student?

    What personal loans can I get for my marriage?