Personal Loan Calculator

Calculate Your Loan EMI

Loan Summary

Amortization Schedule

Year Principal Paid Interest Paid Remaining Balance

Why Choose ClickLends for Your Personal Loan?

At ClickLends, we help you get the best personal loan offers from leading banks and NBFCs with low-interest rates, instant approval, and zero hidden fees.

Compare & Choose

Get customized loan offers from multiple lenders and select the best deal.

Instant Loan Approval

Apply online and get instant approval with quick disbursal in 24-48 hours.

Minimal Documentation

Forget lengthy paperwork! Just upload your basic KYC documents and apply.

Low Interest Rates

We find the best personal loan deals at competitive interest rates.

100% Secure & Transparent

No hidden charges. 100% secure loan process.

Flexible Repayment Options

Choose from 12 to 60 months repayment plans to suit your needs.

Apply for Personal Loan

Eligibility Criteria for Salaried Individuals

To apply for a personal loan, you must meet the following criteria:

Age

Between 21 to 60 years at loan maturity.

Employment Type

Must be a salaried employee in a government or private company.

Minimum Monthly Income

₹20,000 – ₹25,000 (varies by lender)

Work Experience

At least 2 year of total work experience & 1 year in the current job.

Credit Score

A minimum CIBIL score of 700+ is required for approval.

City of Residence

Loans are available in major cities & towns across India.

What Our Customers Say

Arjun Prakash

“I got my loan approved within 24 hours with the best interest rate. ClickLends made the process hassle-free!”

Arjun Prakash

Chennai

⭐⭐⭐⭐⭐
Priya Rajesh

“ClickLends made personal loan approval so easy! No unnecessary documents, super fast service.”

Priya Rajesh

Trichy

⭐⭐⭐⭐⭐
Karthik Subramani

“Was looking for a low EMI loan. ClickLends gave me the best deal with flexible repayment options.”

Karthik Subramani

Coimbatore

⭐⭐⭐⭐⭐
Meena Krishnan

“I had checked with many banks, but ClickLends gave me multiple options within minutes. No hidden charges!”

Meena Krishnan

Chennai

⭐⭐⭐⭐⭐
Surya Raghavan

“First time taking a personal loan, so I had many doubts. ClickLends team was very supportive. Highly recommend!”

Surya Raghavan

Madurai

⭐⭐⭐⭐⭐

Frequently Asked Questions

A balance transfer means shifting your outstanding loan amount from one lender to another to get a lower interest rate, better terms, or reduced EMI payments.
A repayment schedule is a detailed plan that shows how your loan will be paid back over time, including monthly EMI breakdowns, principal amount, interest, and due dates.
Most lenders require a CIBIL score of at least 700 for personal loan approval. However, some lenders may approve loans with a lower score (600-650) but at a higher interest rate.
Instant approval loans can be approved within a few hours, while traditional banks may take 1-3 days, depending on the documents and verification process.
Missing an EMI payment can reduce your CIBIL score, result in late payment fees, and increase the overall interest cost of your loan.
Yes, most lenders allow prepayment or foreclosure, but some may charge a penalty fee (usually 2-5% of the outstanding amount). Check your loan terms before prepaying.
Personal loan interest is calculated using the reducing balance method, where interest is charged only on the outstanding principal, reducing over time.
The main documents required are: Aadhaar Card / PAN Card (ID Proof), Salary Slips / Bank Statements (Income Proof), and Address Proof (Utility Bill / Rental Agreement).
Yes, self-employed individuals can get a personal loan, but they must provide income tax returns (ITR), bank statements, and business proof for eligibility.
Yes, some lenders offer personal loans without a salary slip, but you will need alternative income proof like bank statements, ITRs, or employer certificates.
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