A personal loan, designed for you to Klinq your way

To qualify for a loan with Klinq, you must meet the following criteria:
Employment: You must be a salaried professional.
Age: You must be between 21 to 55 years of age.
Monthly Income: Your minimum monthly take-home salary must be ₹60,000.
Credit Score: You must have a CIBIL score of 750 or above.

We use DigiLocker for secure, paperless Aadhaar and PAN verification. This ensures your data is fetched directly from government sources, maintaining the highest level of security.

Klinq is designed for speed and efficiency, providing a near-instant automated profile setup. This is followed by a final verification step where our team reviews your details to ensure everything is in order. We prioritize a rapid turnaround so you can move from application to disbursal as quickly as possible; if any action is needed from your side, we’ll notify you immediately via your app dashboard to keep the process moving fast.

Klinq is built for "Speed" with a focus on instant decisions and disbursals. Once the final steps including Video Verification, eSign Agreement, and Auto-Pay registration are completed, the loan is disbursed

Not sure of the minimum and maximum amount here. The loan tenure can range from 3 to 12 months.

Yes, you can choose to foreclose or pay the full loan amount at any time, and there are no prepayment or foreclosure charges.

Klinq follows a fixed 3-month cycle where EMI 1 is due on Day 30, EMI 2 on Day 60, and EMI 3 on Day 90. If a due date falls on a Sunday, it is shifted to the next working day.

Delayed payments incur a penal interest of 6% per month, which is calculated daily. Additionally, 100 points will be deducted from your Membership Program for any delayed EMI.

Every point you earn is worth ₹1, giving you a direct way to slash your costs. You can use your points to pay off your processing fees or even get a repayment discount on your interest! It’s our way of making your financial journey even more rewarding.

Earning: You earn 500 points upon your first loan disbursal, 100 points for every on-time EMI, and 750 points upon completing your 5th loan. You also earn points for referrals (250 at registration, 500 at disbursal, and 500 for timely repayments).

Using: Points can be redeemed after your first loan is closed on time. They are credited to your account T+2 days after loan closure.

Klinq prioritizes "Security" through robust data protection and ethical practices. The app uses secure integrations like DigiLocker for identity verification and the Account Aggregator framework for bank verification to ensure your data is handled safely