Personal Loans for Salaried Employees Simplified


Salaried employees rely on their monthly salaries to meet the regular household expenses, save some part of it, and set aside some amount for buying big-ticket products and taking vacations. However, at times, some expenditures may crop up suddenly, for which your savings may not be sufficient. There may be certain expenses like buying a gadget or taking a vacation for which you cannot rely only on your monthly salary. If you are also faced with a similar situation, a Personal Loan can help you.

How Can A Personal Loan Help You?

If you are a salaried employee who needs funds, you can take a Personal Loan without the need to mortgage an asset. These are collateral-free loans; even if you do not possess any asset or are unwilling to mortgage one, you can get a loan to meet your requirements. 

You can apply for a Personal Loan for salaried individuals and use it for various purposes, such as:

  1. Funding a wedding
  2. Taking a vacation
  3. Consolidating your debt
  4. Paying emergency medical expenses
  5. Buying a gadget or a consumer durable
  6. Upgrading your professional qualification 

The above are just a few ways you can use a Personal Loan. Unlike a car or a home loan, you can use the funds per your requirements. There is no restriction or limitations on using funds, which makes these loans useful in many situations. 

Where To Take A Personal Loan From?

Before you choose a lending institution, research well, and find out the eligibility and documents required for a Personal Loan.  Also, check out the credit score before applying. Financial institutions like Clix Capital accept applicants with an Experian credit score of 630 or more.  Understanding the eligibility requirements and the application process before applying will save you a lot of time and last-minute hassles. 

Clix Capital offers instant Personal Loans for salaried employees online. Some of the primary features of their Personal Loan are:

  1. You can get a loan amount of up to Rs 10 lakhs.
  2. The repayment tenure ranges from 12 to 48 months.
  3. No need for collateral.

What Are The Benefits Of Collateral Benefits From Clix Capital?

A Personal Loan for salaried employees offers you the following benefits:

Quick Approval and Disbursal

You can get quick approvals for a Personal Loan from Clix Capital if you meet the eligibility criteria and submit the required information. The process becomes even faster with instant approval for those with a good credit rating. Once the application is approved, you get instant access to funds, which get disbursed directly into your account. 

The Documentation Process Is Simple

Documents required for a Personal Loan from Clix Capital are minimum, and you can organize them easily. You just need to have address proof, identity proof, and proof of income. 

Online Application

You do not have to visit the lending institution’s branch to apply for the loan or complete the application process. You can complete the application process online and submit the required details.

Flexible Repayment Option

The repayment options available are flexible. You can choose the option per your requirements; choose a period carefully so you can repay the EMIs conveniently a Personal Loan calculator can help you make the right decisions. 

What Are The Eligibility Requirements?

For a salaried employee who wants to apply and get a Personal Loan, the requirements to be met are:

  1. The applicant must be an Indian citizen.
  2. The applicant should earn a minimum of Rs 20,000 every month.
  3. The age of the applicant should be between 21 and 58 years.
  4. Your work experience should be more than or equal to 12 months.
  5. Applicant must be employed in the same organization for six months or more.


If you are a salaried employee, a shortage of funds should not stop you from fulfilling your dreams. A Personal Loan is one of the best options to get funds for meeting any minor or emergency financial obligations you might have and turn your dreams into reality. For salaried employees, getting a Personal Loan from Clix Capital is simple. You can complete the process online; the documentation is minimal, and disbursals are quick. Flexible repayment options and instant approvals are an added advantage. So, apply for one today!