Get a decision within 24 hours and funds in your bank account within 48 hours of approval
Complete digital process with minimal documentation and no collateral required
Designed for your convenience with flexible options
From ₹10,000 to ₹10 lakh based on your employment and financial profile
Our interest rates range from 10.5% to 24% per annum on the reducing balance, based on your credit profile.
Choose a repayment period from 6 to 60 months as per your convenience
Direct transfer to your bank account within 48 hours of approval
Unsecured loans without any security or guarantor requirements
Transparent fee of up to 5.1% of the loan amount + GST, with every charge listed below
Learn about the eligibility requirements and necessary documentation for quick loan approval at ClickMyLoan. Have a question? See the eligibility answers in our FAQ or read our eligibility and documents guide.
Must be a citizen of India
21 to 60 years at the time of application
Minimum monthly income of ₹15,000
Salaried individuals with regular employment and at least 2 months in current organization
Valid government-approved ID proof and Aadhaar-linked mobile number
Valid proof of both permanent and current address
Every fee and charge for a ClickMyLoan personal loan. Check what your EMI will be with our EMI calculator, or see all interest rates and charges.
| Fee Type | Charges |
|---|---|
| Interest rate | 10.5% to 24% per annum (reducing balance), based on your credit profile |
| Processing fee | Up to 5.1% of the loan amount + GST, deducted from the amount disbursed |
| Foreclosure charges | Up to 4% of principal outstanding + GST |
| Part-prepayment charges | Up to 4% of principal prepaid + GST |
| EMI bounce charge | ₹500 or 4% of the overdue principal, whichever is lower |
| Penal charges (2 to 180 days) | 36% per annum on principal overdue |
| Credit Information Report fee | ₹50 + GST (only if you ask for it) |
| Stamp duty | As per actuals, based on the state of disbursal |
| Maintenance & procurement cost | May apply, based on the place of disbursal |
All amounts are rounded to the nearest rupee. Exact charges are disclosed in your Key Fact Statement (KFS) before you sign.
| Item | Amount |
|---|---|
| Loan amount | ₹50,000 |
| Tenure | 12 months |
| Interest rate | 24% per annum (reducing balance) |
| Monthly EMI | ₹4,728 |
| Processing fee (5.1%) + GST | ₹2,550 + ₹459 |
| Amount paid into your account | ₹46,991 |
| Total interest | ₹6,736 |
| Total amount you repay | ₹56,736 |
| Total cost of the loan (interest + fee + GST) | ₹9,745 |
| Annual Percentage Rate (APR) | 36.3% |
Illustrative example using the highest interest rate and processing fee in our range. Your actual rate, fees, EMI and APR are shown in your Key Fact Statement (KFS) before you sign. Work out your own EMI with our EMI calculator.
Start your application in just a few minutes
By applying, you agree to our Terms & Conditions
Discover how our personal loans can be tailored to meet your specific financial needs
Fund your dream vacation or business trips
Invest in your or your children's education
Handle unexpected medical or urgent expenses
Purchase gadgets, appliances or personal items
Make your special day even more memorable
Cover expenses related to childbirth and childcare
Pursue your passions and creative interests
Special occasions deserve special gifts
Seize business or investment opportunities
Bridge financial gaps between paychecks
Upgrade or repair your living space
Celebrate festivals and important events
Answers to common questions about ClickMyLoan personal loans. More answers in our full FAQ.
Apply for an Instant Personal Loan with ClickMyLoan and get a decision within 24 hours
Happy Customers
Loan Disbursed
Loan Decision
Digital Process
We’re here to support you
Customer Care
07971900085Email Support
help@clickmyloan.comOffice Address
Office No. 908, Mercantile House,
Kasturba Gandhi Marg, Connaught Place, New Delhi 110001
