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We serve loans, the best way you can borrow
Your financial freedom starts here with a quick and hassle-free personal loan of 80000 that turns your monetary challenges into opportunities.
Swift Approval Process
Flexible Repayment Options
Competitive Interest Rates from 12% to 36%
Minimal Documentation
Instant Disbursal within 30 Minutes
Digital Application Process
No Collateral Required
A Secure Platform
Get your loan sanctioned within minutes and access a personal loan of 80000 without pledging any assets with us –
Receive funds directly in your bank account within 30 minutes of loan approval. Here are our charges and rates –
| 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 hassle-free lending solution designed for salaried millennials. An applicant must:
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 everyone regardless of their previous credit experiences on our portal. Apply from anywhere using our mobile app or website without visiting physical branches –
Check Your Eligibility
Upload Your Documents
Get Quick Approval
Receive Money Fast
Understanding EMI calculation helps you plan your financial journey with lendingplate's transparent lending approach. The Equated Monthly Instalment represents your consistent monthly payment covering both principal and interest.
EMI = [P × R × (1+R)^N] / [(1+R)^N - 1]
Where –
P = Principal Amount (₹80,000)
R = Monthly Interest Rate
N = Total Number of Months
Let's explore how each element influences your monthly payment. The principal amount remains constant at ₹80,000, while interest rate and loan tenure vary.
We offer interest rates between 12% to 36% per annum. A lower interest rate reduces your monthly burden significantly. For our ₹80,000 loan, interest calculation happens monthly.
Scenario: ₹80,000 loan at 18% annual interest for 12 months
Choose a loan tenure that matches your financial comfort. Shorter tenures mean higher monthly payments but less total interest. Longer tenures provide lower monthly payments with increased total interest.
Our online tool helps you instantly calculate potential EMIs. Experiment with different loan parameters to find your perfect financial fit. Always consider your monthly budget when selecting loan tenure and amount. Responsible borrowing ensures financial wellness.
Making a financial choice requires careful consideration and confidence. Your personal loan of 80000 represents more than just money. We believe in complete honesty about our lending process. No hidden charges or surprise conditions will catch you off guard. Apply from anywhere using our website. Once approved, the money gets transferred directly to your bank account within 30 minutes.
assurance (if approved)
Online
Safe
Transparent
Prepare your digital documents to ensure a smooth loan application process with a lendingplate. We let every candidate submit the minimum documents to make the loan application procedure more straightforward –
Valid government-issued photo identification documents like Aadhaar or PAN card.
Recent salary slips or bank statements demonstrating steady monthly income.
Utility bills or rental agreements showing your current residential address.
Get your loan sanctioned within minutes without complicated paperwork or extensive verification procedures with us. We allow you to undertake simple steps to get your financial support efficiently from us.
Experience lending that understands and supports your immediate financial requirements.
Get the loan approved within minutes of application.
Enjoy affordable interest structures tailored for you.
Complete the entire process through mobile or web.
Dedicated assistance throughout your loan journey.
Obtaining your loan is simpler than you might imagine. Download the lendingplate mobile app or visit our website. Create an account by providing basic personal details like your name, contact information, and employment specifics. Upload digital copies of your identity and income proof if the approved funds transfer happens directly to your bank account.
lendingplate understands that financial needs can arise unexpectedly. You can submit multiple loan applications based on your repayment history and current credit score. All applications undergo an individual assessment to ensure a fair evaluation. However, certain conditions apply. Successful repayment of previous loans improves your chances of approval. We recommend maintaining a good credit record and spacing out your applications to demonstrate financial responsibility.
We pride ourselves on complete transparency. Every charge is communicated upfront before loan approval. Our fee structure includes:
No surprise expenses will emerge during your loan journey. We believe in building trust through honest financial practices.
Repayment can be a smart tactic. We offer prepayment options with minimal foreclosure charges. You can reduce your total interest burden by settling the loan before the complete tenure. Our policy allows prepayment with just a small charge. This gives you the freedom to manage your finances more effectively. By paying early, you save on long-term interest and improve your credit score.
Our digital platform allows you to apply anytime. Loan processing happens quickly during working hours. Weekend and holiday processing might take slightly longer due to reduced staff availability.
Minimal documentation makes our process smooth. You'll need:
Digital uploads make document submission convenient. Our advanced verification system ensures quick processing without physical paperwork.
Missing a payment can impact your credit score and incur additional charges. We recommend setting up automatic payments or maintaining a sufficient bank balance.
Late payment fees will be applied. Consistently missed payments might affect future loan eligibility. We encourage proactive communication if you anticipate repayment 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.
