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We serve loans, the best way you can borrow
Our 1 lakh personal loan provides a great solution for your immediate monetary requirements and personal aspirations. We understand your unique financial journey.
Speedy Application Process
Fund Transfer within 30 Minutes
Digital Convenience Guaranteed
Excellent Repayment Solution
Minimal Documents Required
100% Transparent
Competitive Interest Rates
Zero Collateral Needed
We transform your financial aspirations into immediate realities through our comprehensive loan solutions and customer-centric approach.
Financial transparency remains our fundamental commitment to providing clear and simple borrowing experiences for customers.
| 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] |
Discover your loan potential through our transparent and inclusive 1 lakh instant loan qualification parameters.
Your loan application needs to meet these basic criteria:
Age: 21-60 years
Monthly Income: Minimum ₹20,000
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
Financial opportunities exist for every individual regardless of previous credit experiences and backgrounds. Find out more about our procedures –
Check Eligibility Online
Upload Required Documents
Receive Instant Approval
Complete Fund Transfer
Understanding EMI calculation might feel challenging. Let's break down this mathematical journey into simple, digestible pieces that anyone can comprehend.
EMI, or Equated Monthly Instalment, represents your fixed monthly payment combining principal and interest components. Imagine it as a carefully sliced financial pie divided equally across your loan tenure. The calculation involves three magical ingredients: loan amount, interest rate, and loan duration.
The classic EMI formula looks like this: EMI = [P × R × (1+R)^N] / [(1+R)^N-1]
P = Principal Amount (₹1,00,000)
R = Monthly Interest Rate
N = Total Number of Months
Let's walk through a practical scenario. For a ₹1,00,000 loan at 18% annual interest over 12 months:
This means you'll pay ₹9,200 consistently every month, gradually reducing your outstanding loan balance. The initial months include more interest, while later instalments contribute more towards principal repayment.
Enjoy affordable 1 lakh loan interest rates that match your financial capabilities and provide a transparent borrowing experience. Access our loan services anytime and anywhere using a smartphone or computer with complete ease and comfort. =Submit basic personal and professional documents through our user-friendly digital interface for hassle-free processing.
assurance (if approved)
Online
Safe
Transparent
Simplifying your loan application through minimal yet essential documentation requirements for smooth processing.
Government-issued documents like an Aadhaar card and PAN card validate your legal existence and prevent potential fraudulent activities. These documents confirm your name, age, etc.
Recent salary slips and bank statements paint a comprehensive picture of your financial health. Lenders carefully examine these documents to assess your ability to manage monthly loan instalments.
Utility bills and rental agreements provide concrete evidence of your residential stability. Residential proof adds an extra layer of credibility to your loan application.
Your journey to financial freedom starts with a few simple steps through our user-friendly digital platform. Get maximum convenience and enjoy a hassle-free loan application procedure by following these simple steps.
We focus on helping you meet your financial needs with exceptional customer support. Here’s why customers think we are second to none –
Get your 1 lakh personal loan approved and disbursed within 30 minutes.
Apply for loan from anywhere using smartphone or computer without visiting physical branches.
Experience complete clarity with no hidden charges or unexpected financial complications.
Getting an online loan with lendingplate feels like magic, but it's actually a streamlined, secure process. Start by visiting our website or downloading our mobile app. Create your account with genuine personal details. Upload necessary documents like income proof and identity verification. Our advanced algorithm processes your application within minutes, checking your creditworthiness and income stability. Once approved, funds transfer directly into your bank account, often within the same day.
Loan reapplication depends on your financial history. Successful repayment of previous loans increases your chances of future approvals. We recommend maintaining a good credit history and ensuring timely repayments to enhance your borrowing potential.
Our potential charge is communicated upfront during the loan application process. Our detailed loan agreement outlines processing fees, interest rates, and potential foreclosure costs. We believe in building trust through clear communication. No surprises, no hidden fees. Every financial aspect is explained before you commit to the loan.
Early loan closure is welcome at lendingplate. We offer flexible prepayment with minimal foreclosure charges. If you prepay after the first due date, no additional penalties apply. This approach encourages financial discipline and rewards proactive borrowers. Our goal is to support your financial journey, not create unnecessary financial barriers.
Our digital platform ensures continuous loan accessibility. While actual approvals happen during business hours, you can submit applications anytime. Our system captures your details before initiating the verification process. Instant digital verification ensures speedy processing so that you receive funds when you need them most.
Essential documents include –
Our digital upload system makes document submission convenient, secure, and paperless, simplifying the entire loan application experience.
Missing a loan instalment attracts penalty charges and potentially impacts your credit score. We recommend setting up automatic payments or timely manual transfers.
Select the loan details you want to know
Select the loan details you want to know
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Make your living space better without emptying your savings account. Fix that leaky roof or build the kitchen you've always wanted. Get competitive interest rates and flexible repayment options. Quick approvals mean you can start work fast. Smart interest rates and easy EMIs help you create better living spaces with peace of mind.
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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.
