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In the centre of Kerala, Ernakulam is regarded as a vibrant cultural hub. It is a popular business hub and also a popular tourist spot due to its natural beauty, historical richness and cultural diversity. The district is renowned for its historical value due to sites like Paradesi Synagogue and Mattancherry Palace.
In order to enjoy the rich culture of Ernakulam without worrying about money, you might need an instant personal loan in Ernakulam. Whether you want to establish yourself in the city or want to travel the city, quick personal loans in Ernakulam will help you.
Lendingplate is one of the trusted lenders for personal loans in Ernakulam. We offer instant personal loan in Ernakulam at reasonable interest rates. You can apply for the loan online through lendingplate website.
Want to plan your payments with our personal loan EMI calculator monthly? Get clear numbers in seconds to make smarter borrowing decisions.
The personal loans we offer carry a lot of benefits for customers. Let’s have a look at some of the major features and benefits of instant personal loan in Ernakulam: -
The loan processing is very fast at lendingplate. We give instant loan approval after we receive the loan application from the customer.
We offer collateral-free loans. Hence, you don’t have to risk your assets to get quick personal loans in Ernakulam.
We offer personal loans at quite low interest rates. Our personal loans start at a rate of 12% per annum.
The personal loan we offer can be used for any purpose. There are no restrictions on usage.
Our loan process is very transparent We don’t hide any charges and penalties. Whatever charges are there on the loan are disclosed in advance.
There is a freelook offer for our customers. If they are not happy with our services, they can return the loan amount within 3 days of availing it. We won’t charge any fees for this.
If you are planning to apply for an instant personal loan in Ernakulam then do take some time to understand the eligibility criteria of the loan. In order to get the loan processed smoothly, ensure that all necessary conditions are fulfilled: -
The paperwork at the lendingplate is minimum. Then also you need to present a certain set of documents online to process the personal loan Ernakulam: -
At lendingplate the loan processing takes place online. You can complete the entire process from your laptop or mobile phone. Here are the steps that you need to follow to get an instant loan in Punjab: -
It is essential to verify your loan eligibility prior to submitting an online application for a personal loan in Ernakulam. You need to verify if you fulfil certain minimum requirements.
After verifying your loan eligibility, you can proceed with the online application. For this, you will need to sign up on lendingplate website with a mobile number.
You will be asked for some basic details like age, profession, income etc. You need to fill in those details and submit the form.
We ask for minimal documents to process quick personal loans in Ernakulam. There are some basic documents that you need to upload on lendingplate website for loan processing.
We have loan specialists who will verify your loan application and give final loan approval.
After your loan is approved, we credit your bank account with money within a few hours.
We at lendingplate maintain complete transparency with our interest rates as well as other charges mentioned below –
| 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] |
The minimum income shall not be less than ₹20,000 for salaried professionals and ₹2.40 lakhs for self-employed professionals.
No lender will offer you a personal loan without a credit score. It’s expected that you have a minimum credit score of ₹750.
Loan processing would be done in 24 hours of time.
Non-repayment of loans can lead to penalty charges. It will also lead to low credit scores.
You get tax benefits on a personal loan if it’s availed for a specific purpose. This includes home construction, education expenses, home renovation etc.
Only Indian citizens can apply for personal loans in Ernakulam.
At max, you can get a personal loan of ₹2.50 lakhs from lendingplate.
A personal eligibility calculator can be used to check your loan eligibility.
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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.
