Personal loan

How to Avail of an Instant Loan With Your Income Proof?

Instant Personal Loans get you lump sum money in situations like health complications, debt repayment, wedding, education or travel. You need to be a resident of India to avail of a Personal Loan. However, before getting a Loan in Delhi or anywhere else in India, you must ensure that you meet the eligibility criteria such as Experian credit score, monthly income and work experience. 

You also need to be careful while choosing the right platform to get an Instant Loan in Delhi. Online lending institutions like Clix Capital have been encouraging people to pursue their dreams with instant Personal Loans. Read on to understand all the major details before you apply for an Instant Loan.

How to Avail of an Instant Loan With Your Income Proof

The features and benefits of Instant Loans vary for Fintechs, NBFCs, banks and other loan providers. The following perks are common to most loanwords. 

Instant Approval

With many Fintech institutions available online, getting an Instant Loan in Delhi has become much easier, provided you meet the eligibility conditions. By submitting income proof and other KYC documents, you can get an Instant Loan. The only hurdle is to finalise a reliable online lending institution like Clix Capital. If all goes well, you can get quick approval, and fund disbursal directly to your account.  


The best thing about an Instant Loan in Delhi is that you don’t have to pledge any collateral as a security. When you have a good Experian credit score of 630 or above, you could get a Personal Loan at affordable interest rates.


Instant Loans in Delhi are available online with 12-48 months of tenure. So, you have the much-needed flexibility to pick a loan tenure that aligns with your current monthly income and expenses. 

When you apply for Instant Loan, try opting for a shorter tenure. This will make your EMI higher, but the interest paid will be reduced over time. 

Easy Processing 

The complete process, from loan application to loan disbursal, has become seamless and paperless with online lending. You can apply for Instant Loan within a few clicks and upload the required income proof and other documents.  

How To Apply For An Instant Loan?

Each Fintech has its own procedure for Instant Loans. We have listed the usual steps below. 

  • Check your Experian credit score and make sure it is above 630
  • Fill in the online application for an Instant Loan in Delhi
  • Submit income proof and other KYC documents as requested by your loaner 
  • The submitted documents will be verified online
  • Once the instant loan is approved, you will get an intimation about the same 
  • The approved loan amount is credited to your preferred bank account soon after.

Eligibility Criteria To Apply For An Instant Loan 

Usually, the following eligibility criteria are applicable to get an Instant Loan in Delhi, You can also check credit score online for free. 

  • The applicant must be a salary-earning individual with a fixed monthly income.
  • The applicant must be earning at least ₹20,000 per month.
  • The age of the applicant during loan application submission must be above 21 years.
  • The age of the applicant at the end of the loan repayment tenure must be not more than 58 years.
  • The applicant must be an Indian resident.
  • Experian Credit Score must be 630 or above, You can check it here credit score online for free.
  • Ensure a total of 12 months of employment is completed before you apply for Instant Loan.
  • Job experience in your current company must be at least 6 months.

Income Documents Required To Apply For An Instant Loan

Generally, a few of the following income proof documents are requested during loan application. 

  • Salary slips of at least 1- 3 months
  • Account statements of at least 3-6months showing salary credit information 
  • Income Tax returns for the previous 2 years 
  • Form 16, if applicable 
  • Employment certificate showing at least 12 months of work experience 
  • Current job appointment letter 
  • Existing Loan information through Payment Track Record & Sanction letter

Other Documents Required to Apply for an Instant Loan

  • Identity proof like Aadhaar Card and PAN Card.
  • Residential proof like Aadhaar Card, Passport, Voter ID and Driving Licence.


The above discussion will act as a guide for you when you apply for an Instant loan in Delhi. Whenever there is a shortage of funds, go to the official website of Clix Capital and apply for an Instant Loan in Delhi and get the advantages it offers.  

About Sam Dilan

One of the contributors to this website is Sam Dilan. She has written articles for a long time. She is also an expert in search engine optimization (SEO). You'll be able to find her name mentioned in a lot of different news, articles posts. She is a well-known author of this current generation.Blogwi is the name of the website that she created herself.

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