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We serve loans, the best way you can borrow
Financial stability starts with smart borrowing decisions that match your repayment capacity. A long term loan gives you extended time to repay your borrowed amount in smaller monthly payments. You receive a substantial amount upfront and pay it back gradually through structured monthly instalments.
We at lendingplate make long term loan applications straightforward. Our digital platform processes your loan request quickly – so you receive funds faster. You get competitive interest rates starting from 12% per annum with flexible repayment options. We evaluate your repayment capacity thoroughly before approval.
Our long term loans give you the financial flexibility to fulfil major expenses without straining your monthly budget.
A quick online approval process
Manageable monthly payments spread out
Structured repayments match your income
Get started with your long term personal loans application through our simple digital process.
Review criteria before applying online
Submit KYC and income proof
We validate your application details
Receive funds in your account
Long term loans online serve multiple purposes – helping you meet various financial requirements. Our flexible loan options support different needs.
Education Support
Take charge of your academic dreams through our education financing options. We support both domestic and international education expenses – including tuition fees, living costs and study materials. The repayment schedule aligns with your course duration giving you peace of mind while studying.
Vehicle Purchase
Make your dream vehicle yours with our auto financing solutions. We fund both new and pre-owned vehicles with competitive interest rates and flexible tenures. The structured EMIs match your monthly income letting you maintain financial stability while owning your chosen vehicle.
Home Improvement
Give your home a fresh look with renovation financing that covers all aspects. From basic repairs to complete makeovers, we support your home improvement plans. The extended repayment period helps you manage costs while creating your ideal living space.
Business Growth
Expand your business operations with adequate funding support. Whether you need inventory, equipment, or working capital, our business loans fuel your growth plans. The longer repayment tenure helps maintain healthy cash flow during business expansion.
Medical Expenses
Focus on recovery without financial stress through our medical financing options. We cover planned and emergency medical expenses – including treatments, surgeries and post-care needs. The flexible repayment terms consider your recovery period and earning capacity.
Debt Management
Take control of multiple debts by consolidating them into one manageable loan. Lower your monthly outgo with extended tenure and better interest rates. The simplified payment schedule helps you track and manage your finances effectively.
You need to understand the charges once you borrow the amount from us. Once you know the charges, it becomes easier to apply for the loan –
| 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] |
When you apply for long term loan with us, you experience complete transparency. We process applications digitally – reducing paperwork and time. Our interest rates start from 12% annually with flexible tenures of up to 36 months. You receive dedicated support throughout your loan journey. We believe in building long-term relationships through fair lending practices.
Long-term loans at lendingplate offer repayment tenures between 3 to 15 months. The tenure depends on factors like loan amount and repayment capacity. Higher loan amounts typically come with longer repayment options. Your monthly income and existing obligations influence the tenure selection.
Long term loans work best for substantial financial requirements needing structured repayment over time. Small requirements often get resolved within 3-15 months. The processing fees and interest charges on long term loans may not justify small borrowings. We recommend evaluating your requirement size and repayment timeline before choosing the loan type.
Your monthly income plays a key role in loan approval. We require a minimum monthly income of ₹20,000 for salaried individuals. Your income stability matters more than just meeting minimum requirements. We review your income patterns over recent months through bank statements.
Changing repayment tenure is not possible with us at lendingplate.
Credit scores directly influence your loan interest rates. Higher scores qualify for our best interest rates – starting at 12% annually. Regular credit repayments help maintain good scores. Missed payments negatively impact scores and result in higher future borrowing costs.
We offer unsecured long term loans without any collateral requirement. Your income proof and credit score serve as primary evaluation criteria. Some loan purposes might need additional documentation but no asset pledging.
We clearly communicate all applicable charges before processing prepayment requests. So, you can find out all the details after a consultation with our team.
Making timely EMI payments helps manage interest costs. Regularly review the prepayment options to optimise interest costs over time.
Select the loan details you want to know
Select the loan details you want to know
Planning your perfect wedding shouldn't be limited by money worries. Book the perfect venue, hire top photographers and order those gorgeous outfits today. A marriage loan covers everything from venue bookings to catering services. Our marriage loans bring you flexible repayment options and fast approvals. Start planning your special celebrations with the support of instant financing.
Want to explore new places, but your savings are falling short? A travel loan brings your dream holiday closer, letting you book flights and hotels right away. Pay in simple monthly instalments that match your salary. No need to touch your savings or miss those limited-time travel deals. Create wonderful memories now with our fast-track travel loans.
Multiple debts causing stress? Say goodbye to financial stress as you work steadily to become debt-free with simplified money handling. Stop juggling multiple payments and high interest rates. Get one loan to clear all your debts with lower monthly payments. Track your progress easily as you move steadily toward becoming debt-free with simplified money management.
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.
Getting urgent medical care shouldn't depend on your bank balance. Medical emergency loans give you quick access to funds when health issues strike. We care about your health with instant medical loans. Get started with minimal paperwork and receive money in your account within hours. Easy repayment terms let you concentrate on recovery while managing your finances sensibly.
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.
