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We serve loans, the best way you can borrow
Instant Loan App to Get Instant Funds in Minutes!
The personal loan app from lendingplate puts money directly in your pocket without the wait. You apply from your phone and we send funds straight to your bank account the same day. Our loan app works differently from banks that make you visit branches and fill out many forms.
We built our app to give you loans between ₹10,000 and ₹2,50,000 with fewer documents and faster approval. Our app helps you meet urgent cash needs for medical bills, weddings or emergency scenarios.
You pick the loan amount you need and we show you clear payment terms right away. The loan app keeps your data safe with strong security and sends you updates about your application status. Our team checks your details quickly so you get money fast when you need it most. The personal loan app makes borrowing simple and fast for everyone.
Fast loan decisions
Fewer papers needed
Choose what fits
No hidden costs
Data stays protected
Simple monthly payments
Get money in your account within 30 minutes after approval.
Apply with your phone from anywhere without printing a page.
Check loan status, track payments and contact support anytime anywhere.
Our money lending app helps with education costs, professional certification fees or career development programs that improve your income potential. We make getting money as easy as ordering food online.
Fill out the form and share bank details for quick processing.
Upload your identity proof, address proof, and income details through the app.
After approval, we transfer money directly to your bank account.
Our app makes borrowing money as simple as sending a message to friends.
We check your application and approve loans quickly so you get funds fast.
We offer competitive rates – making your loan affordable and easy to repay.
We protect your personal information using advanced encryption – keeping your data private.
You can apply from your home office or anywhere without going to branches.
You choose payment terms that match your monthly budget without any stress.
Our team answers your questions quickly, helping you solve problems without delays.
Getting money takes four simple steps on our app.
Check if you qualify for our loan before you apply with us.
| Document Type | Details Required |
| Identity Proof |
|
| Signature Proof |
|
| Address Proof |
|
| Business Proof |
|
| Income Proof |
|
| Financial Documents |
|
We maintain transparency about our interest rates & other 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] |
Get our personal loan app in minutes and start your loan application today.
The iOS version works the same way as Android (giving you all the features on your iPhone).
Many borrowers make these errors when getting loans on apps – but you can avoid them.
Skipping Document Checks: Before applying make sure you have all required documents ready for upload. Many applications get delayed when people submit wrong documents or poor-quality scans. Check that your ID address and income proofs are valid and match the details you provide in your application form. This small step saves you from rejection and speeds up approval.
Ignoring Interest Rates: Look at the total cost of your loan, not just the monthly payment amount. Some borrowers focus only on getting quick money without checking interest rates and fees. Calculate the total amount you will pay back – including all charges – before accepting any loan offer.
Multiple Applications Together: Applying to many lenders at once hurts your credit score badly. Every time you apply for a loan, the lender checks your credit history – which counts as an inquiry. Too many inquiries make you look desperate for money and risky to lenders. Choose one or two trusted apps like lendingplate and wait for results before trying others.
Borrowing Maximum Amounts: Take what you need and not what apps offer as your maximum limit. Many people borrow the highest amount shown in their app without considering their repayment ability. It results in payment struggles and stress later on. Calculate how much you actually need and borrow just that amount to keep your finances healthy.
Missing Payment Dates: Set reminders for your loan payment dates to avoid late fees and credit score damage. Many borrowers forget due dates or ignore payment notifications from their loan apps. That may cost extra money in penalties and affect your ability to get loans in future. Use automatic payments or calendar alerts to pay on time every month.
You can borrow between ₹10,000 and ₹2,50,000 through our app based on your income and credit score. We look at your monthly salary, job stability and past loan history when deciding your loan limit. Most first-time borrowers start with smaller amounts – which increase after good repayment records. The app shows your eligible amount after you complete the basic application form.
You need to upload your PAN card, Aadhaar card, latest salary slips, bank statements for 3 months and address proof. The app lets you take pictures of these documents directly or upload files from your phone. All uploads must be clearly readable and match the information you provide in your application. We might ask for additional documents in some cases based on our verification process.
Most loans get approved within minutes after document verification and money reaches your account within 30 minutes. The speed depends on how quickly you upload clear documents and complete all verification steps. If you apply during banking hours on weekdays the process works fastest. Weekend applications might take slightly longer but still get processed the same day in most cases.
You can pay off your loan early through the app with minimal charges applied. We charge 5% of the remaining amount as a foreclosure fee if you pay before your first due date. After your first EMI payment there are no foreclosure charges when you want to close the loan early. The app shows the exact payoff amount – including any fees (before you confirm the transaction).
We protect your data with bank-level encryption and strict access controls. Your information stays in secure servers with multiple safety layers against unauthorised access. We share your data only with credit bureaus and regulators as required by law. The app uses a secure connection for all transactions and stores no sensitive payment information on your device.
Late payments result in penalty charges and might affect your credit score if they continue. We send reminders before due dates through app notifications, SMS and email to help you remember. If you face temporary financial problems, contact our support team through the app to discuss payment options. We might offer revised payment plans in genuine hardship cases to help you manage your loan better.
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.
