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We serve loans, the best way you can borrow
lendingplate makes your loan approvals simple by offering minimum personal loan eligibility. We focus on your repayment capacity as well as income stability. You need steady income proof and basic documentation to qualify for our instant loans.
We look at your credit history and monthly earnings to determine your loan eligibility. Our quick verification process uses advanced technology to assess your application within minutes. Credit scores matter – but they are not everything – we consider your overall financial health.
You can apply for loans up to ₹2,50,000 based on your personal loan eligibility. Our transparent process helps you know what you qualify for before applying.
We believe everyone deserves access to quick financial support. The following are the eligibility criteria to get a loan from us –
| Salaried Employees | Self-Employed Professionals |
|---|---|
| Monthly salary ₹20,000 | Annual income ₹2,40,000 |
| Proof of regular salary deposits | GST registration |
| Office ID card | Business certificate or self-employment proof |
Checking your personal loan eligibility helps you get the right amount at the right time. So, start your borrowing journey with confidence by understanding your loan qualification status through our streamlined personal loan eligibility check process.
Upload your documents through our secure mobile app or website to receive instant eligibility confirmation within minutes.
Share your salary details or business financials digitally, and our smart system evaluates your borrowing capacity right away.
We conduct a soft inquiry on your credit report that won't impact your score to determine suitable loan options.
Your loan approval success depends on key financial indicators that we evaluate carefully during the application process.
Build a strong foundation for loan approval by following these proven strategies that enhance your borrowing potential.
Personal loans serve various purposes, each with specific eligibility requirements designed to match your financial situation.
Understanding these common errors helps you avoid application delays and improve approval chances.
A credit score above 600 to 650 is best for optimal loan approval chances. Your credit score reflects your financial responsibility through past repayment behavior. Regular credit monitoring and timely bill payments help maintain good scores. We might consider applications with lower scores based on other strong financial indicators.
New credit seekers can qualify based on a steady income and employment history. We evaluate your bank statements and salary deposits to assess creditworthiness. Additional proof of income or a co-applicant might strengthen your application. Our specialized programs help first-time borrowers build credit profiles responsibly.
Adding a co-applicant with a stable income can boost your eligibility significantly. We might offer lower loan amounts based on your current earnings. Showing additional income sources helps meet minimum requirements. Regular salary increments or business growth plans strengthen future applications.
Self-employed professionals with established businesses definitely qualify for our loans. We assess business stability through GST returns and bank statements. Consistent profit records strengthen your application considerably. Professional qualifications and business vintage add value to eligibility assessment.
Employment with registered companies improves approval chances substantially. Government jobs and multinational corporations receive favorable consideration. We evaluate employer reputation and business sector stability. Long-term employment contracts indicate steady income potential.
Your loan limit depends on monthly income and existing financial obligations. We offer amounts from ₹10,000 to ₹2,50,000 based on eligibility criteria. A higher income and good credit scores increase maximum loan amounts. The debt-to-income ratio influences the approval of the final loan amount.
Applicants between 21-58 years qualify based on our standard age requirements. Younger applicants need strong income proof and employment stability. Older applicants should complete repayment before retirement age. Age considerations ensure comfortable loan repayment periods.
Co-applicants with good credit scores strengthen loan applications significantly. Combined income increases eligible loan amounts substantially. Both applicants share responsibility for timely repayments. Clear co-applicant documentation speeds up the approval process.
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.
