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Kerala is popularly known as ‘God’s Own Country’ as the state has beautiful landscapes, backwaters and eco-tourism initiatives. It is located on the Malabar coast and is the 10th largest economy in India. It is popular for spices, tea, coffee and rubber production.
The people of Kerala are smart, which is reflected through its solid literacy rate, which is 93.91%. They thrive on dreams and aspirations which require finances. Lendingplate understands this, and hence, we bring you personal loans with affordable interest rates and fast approvals.
lendingplate offers the best personal loan in Kerala. Whether you are planning your child’s marriage, renovating your home or getting emergency medical treatment, the personal loan will fulfil all your needs.
lendingplate offers instant personal loans in Kerala. The Loan amount can range from ₹10,000 to ₹2.50,000, with a repayment tenure ranging from 3 to 15 months. Get lendingplate’s personal loan online and fulfil your needs.
Want to plan your payments with our personal loan EMI calculator monthly? Get clear numbers in seconds to make smarter borrowing decisions.
When you are looking for online personal loan in kerala then lendingplate is the best option. It assures you the lowest interest rates and fast approval. Let’s have a look at some of the features and benefits of instant personal loan in Kerala offered by lendingplate.
We offer collateral-free loans. We don’t ask for any collateral as security.
We offer the best interest rates in the market and ensure that the loan is affordable to you.
We value our customers’ time and hence offer fast approval of loans.
You can use the loan for any purpose ranging from weddings and home renovation to medical emergencies or travel. We don’t put any restrictions on end usage.
You pay the EMI what you can afford. We won’t burden you with high repayment instalments.
The entire loan process is online, which gives you ease and convenience.
There are certain eligibility criteria for online personal loan in Kerala. If you fulfil this eligibility criteria, then only you shall apply for a personal loan. Here are those criteria: -
You require the following documents to get the best personal loan in Kerala from lendingplate:-
Before applying for an instant personal loan in Kerala you will need to check if you are eligible for that or not. You can go to lendingplate website and check your loan eligibility.
If you are found eligible for a personal loan then you can apply online for a personal loan. You will need to fill out the online form. You will be asked for some basic details like occupation, age, income, etc. After filling these details, submit the form.
Once you have submitted the application, then comes the time to upload the necessary documents. Upload the documents on lendingplate website.
We have a team of loan experts. They will review the loan application and decide whether to approve the loan or not.
If you meet the eligibility criteria and all the documents are genuine, then your loan will be approved.
After the loan has been disbursed, the loan amount will be credited in your bank account.
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] |
Any Indian citizen with a minimum monthly income of ₹20,000 can apply for online personal loan in Kerala.
A minimum credit score of 750 is needed for a personal loan in Kerala.
If you meet all eligibility criteria and all documents are okay, then the loan application will be approved within 24 hours. After approval, the loan amount will be credited to your bank account within two working days.
If you are unable to repay the personal loan on time in Kerala, then you will have to pay penalty charges. Your credit score will also be affected, and you won’t be able to get any further loans from banks or NBFCs.
There is no specific tax benefit on personal loans. But in certain conditions, you can claim tax benefits on a personal loan. For example, if a personal loan is taken for home renovation, home construction, education expenses, starting a business, etc then you can claim tax benefits.
At present, lendingplate provides personal loans only to Indian residents. NRIs are not eligible for personal loans in Kerala.
The maximum amount set for a personal loan is ₹ 2.50 lakhs.
You can use the personal loan eligibility calculator to check your 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.
