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We serve loans, the best way you can borrow
Quick Approval Process
No Collateral Required
Easy Online Application
Zero Hidden Charges
Flexible Repayment Terms
Low Credit Score Accepted
Minimal Documentation Needed
Same Day Disbursals
We create a borrowing experience that puts your needs first with our focus on speed, convenience and fair processing fees for personal loans.
Our loan rates and fees remain crystal clear from day one – so you know what you pay before signing anything.
| Charges | Details about the Charges |
| Processing Fee | 1% - 5% of loan amount |
| Conversion Fee | 1 - 5% of the amount |
| Interest Rate | 12% - 36% per annum |
| Foreclosure | 5% of the amount [Nil when prepaid on or after your] |
| Mandate Return Fee | 500/- [inclusive of GST] |
You can apply for our personal loans with basic requirements that most working adults already meet.
Your loan application needs to meet these basic criteria:
Age: 21-60 years
Monthly Income: Minimum ₹10,000
Stable employment history
Acceptable credit score
Residential stability
Keep these ready for a smooth application:
Identity Proof: PAN Card
Address Proof: Aadhaar Card
Latest salary slips
Bank statements
Photograph
Your credit history does not stop you from getting money when you need it most with lendingplate.
Choose Amount
Provide Documents
Approved Loan
Get your Money
Your EMI calculation follows a standard formula that takes into account your loan amount, interest rate, and how long you plan to repay. When you borrow ₹10,000 from lendingplate, we use this financial formula to determine your monthly payments:
EMI = [P × R × (1+R)^N]/[(1+R)^N-1]
In this formula, P stands for your principal amount (₹10,000), R represents your monthly interest rate (annual rate divided by 12 months and then by 100), and N equals your total loan tenure in months.
For example, if you take a ₹10,000 loan at 24% annual interest for 6 months, your calculation works out like this:
You can adjust your loan tenure to make your EMIs more affordable. A longer tenure reduces your monthly payment amount but increases the total interest paid over time.
Take the right decision at the right time with our loan, where we ensure –
assurance (if approved)
Online
Safe
Transparent
Getting a personal loan from lendingplate is simple with minimal paperwork thanks to our digital-first approach that saves your time. The processing fee for personal loans is clearly mentioned upfront without surprises later. You only need basic documents to start.
You can submit your Aadhaar card, passport, driving license, or voter ID card as valid government-issued identity proof.
We need your last three months' salary slips and bank statements showing regular income credits to assess repayment ability.
Your utility bills, rental agreement, passport, or Aadhaar card work perfectly as proof of your current residential address.
Your bank account statements for the last three months help us verify your income and set up automatic repayments.
The entire loan application process at lendingplate takes just minutes to complete with our user-friendly mobile app or website. The processing fee for personal loans is transparent from the start.
We stand out from other lenders with our focus on customer satisfaction and fast service.
Decisions in minutes always
Basic documents get approved
First-time borrowers get benefits
You can get a ₹10,000 loan online through the lendingplate app or website in minutes. Just download our app, fill in your details, upload your ID and income proof, and submit your application. Our system checks your details right away. The processing fee for personal loans starts from 1%. Once approved, money reaches your bank account within 30 minutes without visiting any branch.
Yes, you can apply for multiple ₹10,000 loans in a year if you repay your previous loans on time. Your repayment history builds trust with us. We check your repayment capacity each time you apply to make sure you can manage the new loan. Regular borrowers often enjoy faster approvals and might get better terms with a lower processing fee for personal loan rates.
No, lendingplate does not charge any hidden fees. We clearly mention all costs upfront (including interest rates and a processing fee for personal loans ranging from 1% to 5%). You only pay the interest on the outstanding amount and any applicable charges like mandate return fees (₹500 including GST) if your payment fails. We believe in complete transparency in all our dealings.
You can prepay your loan anytime after your first EMI payment without any foreclosure charges. If you prepay before your first EMI date, a 5% foreclosure fee applies to the outstanding amount. Early repayment can save you interest costs in the long run. The processing fee paid at the start is non-refundable even if you close the loan early.
Yes, you can apply for a ₹10,000 emergency loan at any time through our app or website. Our automated system processes applications 24/7, but disbursals happen during banking hours seven days a week. Even on weekends and holidays, you can get money within 30 minutes after approval.
You need basic KYC documents for urgent loan approval – including any government ID proof (Aadhaar/PAN/passport), address proof (utility bill/rental agreement), and income proof (salary slips/bank statements). For salaried individuals, your last three months' bank statements showing salary credits work best. The fewer documents missing, the faster your approval happens.
Missing a payment results in late payment charges and impacts your credit score negatively. The exact fee depends on your loan amount and the days delayed. We send reminders before your due date to help you avoid missing payments. If you know you might miss a payment, contact our customer service team beforehand. Regular late payments affect your chances of getting future loans or a favourable processing fee for personal loan rates.
Select the loan details you want to know
Select the loan details you want to know
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Unifinz Capital India Limited is a Non Banking Finance Company (NBFC) registered with the Reserve Bank of India (RBI). lendingplate is the brand name under which the company conducts its lending operations and specialises in meeting customer’s instant financial needs.
