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We serve loans, the best way you can borrow
Your financial dreams are closer than you think with our quick loan solutions.
No Collateral Needed
Minimal Documentation
Competitive Interest Rates
Quick Cash When You Need
Instant Digital Approval
Transparent Processing
Affordable Interest Rates
Flexible Repayment Options
We are your trusted financial partner for seamless lending experiences. Get in touch with us for 150k personal loan –
Understanding your loan costs helps make informed financial decisions. Here are the details about our personal loan interest rates alongside charges –
| 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 if you qualify for our seamless lending experience.
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
Enjoy affordable interest rates that make borrowing cost-effective and manageable. Lendingplate offers you the best opportunity to get a personal loan with good, bad, or no credit!
Check Eligibility Online
Upload Required Documents
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Complete Fund Transfer
Equated Monthly Instalment (EMI) represents the fixed payment amount you'll make monthly for your 150000 personal loan. This calculation considers three critical components: principal amount, interest rate, and loan tenure.
The standard EMI calculation formula is: EMI = [P x R x (1+R)^N]/[(1+R)^N-1]
Where: P = Principal Amount (₹1,50,000) R = Monthly Interest Rate (Annual Rate ÷ 12) N = Total Number of Monthly Instalments
Example Scenario:
Monthly Interest Rate: 18% ÷ 12 = 1.5% Calculation: [150000 x 0.015 x (1+0.015)^24]/[(1+0.015)^24-1] Approximate Monthly EMI: ₹7,200 The EMI remains constant throughout the loan tenure, with initial instalments covering more interest and later instalments addressing more principal.
Getting a personal loan needs the right understanding of your financial landscape. Your financial journey demands smart decisions that keep up with your immediate needs.
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Gathering necessary documents streamlines your loan application process. Proper documentation ensures quick verification and faster approval for your 150000 personal loan.
Government-issued identification documents validate your personal information (Aadhaar card, passport, voter ID, or driving license) and serve as identity proof. Ensure documents are current, clear, and legible for smooth processing.
Salary slips, bank statements, and income tax returns demonstrate your financial stability. Provide consecutive three-month salary slips showing consistent income. Bank statements should reflect regular salary credits and healthy account maintenance.
Utility bills, rental agreements, or official address proofs confirm your residential details. Documents must display your current residential address matching other submitted paperwork. Recent utility bills like electricity or telephone bills work best.
Embarking on your loan application journey requires a systematic approach. Our streamlined process ensures hassle-free 150k personal loan applications. Let’s find out more about how to apply for the loan speedily –
It is quite easy to apply for a personal loan from lendingplate –
Attractive interest rates for borrowers.
Seamless online application process.
Dedicated assistance throughout your loan journey.
Speedy loan approvals within minutes.
Navigate through our user-friendly digital platform designed for seamless loan applications. Enter personal and financial details accurately. Upload necessary documents like identity and income proofs. Our advanced algorithm processes your application instantly, providing quick approvals and immediate fund transfers.
Our system allows multiple loan applications based on your creditworthiness. Each application undergoes individual assessment considering your current financial status, previous repayment history, and credit score. Responsible borrowing and timely repayments enhance your chances of subsequent approvals.
All charges are clearly communicated upfront during application. Processing fees, interest rates, and potential penalties are explicitly mentioned. No surprise costs or concealed expenses exist in our 150000 personal loan offerings.
Early loan prepayment demonstrates financial discipline. We offer minimal foreclosure charges as per our customer-friendly policy. Prepayment reduces the overall interest burden and improves your credit profile. Consult our representatives for specific prepayment terms and conditions.
Our digital infrastructure enables round-the-clock loan applications. Technological sophistication allows instant processing, verification, and approval. Regardless of time or location, you can submit loan requests and receive quick responses through our website.
You need minimum documents such as:
You need to upload the documents online. Our verification system ensures speedy processing without pesky paperwork.
Missing loan instalments incur late payment penalties and potential credit score impact. We recommend setting up automatic payment mechanisms. Consistent defaults might restrict future borrowing capabilities. Contact our customer support for personalised guidance during financial challenges.
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.
