
Patna, the capital city of Bihar state is situated on the southern bank of river Ganga. It is a city where history and modernity align with each other along with the Sacred River Ganga. Patna has also been the capital city of early Indian empires for more than a decade.
The city is a major agricultural hub and centre of trade. Its popular exports are grain, sugarcane, sesame etc. There are several sugar mills also in Patna. Get the financial support you need with an instant personal loan in Patna through lendingplate.
lendingplate offers instant personal loan online in Patna with instant approval in 24 hours. We offer multi-purpose loans which require minimum documentation and have easy eligibility criteria.
Want to plan your payments with our personal loan EMI calculator monthly? Get clear numbers in seconds to make smarter borrowing decisions.
Personal loans are beneficial in times of emergency and fulfil your urgent needs. Other than that also personal loans have a lot of benefits. Let’s understand the benefits and features of instant personal loan in Patna: -
As personal loans are for urgent needs, hence they need to be given quick approvals. Hence, we assure to approve personal loans on a quick basis after the loan specialists have reviewed them.
We offer personal loans without asking for any security or collateral. Hence you can get instant loan in Patna without pledging any security.
Compared to other lenders, we offer cheaper interest rates on personal loans. The personal loan interest rate in Patna on loans that we offer starts at 12%.
At lendingplate you get flexibility in repayment terms. You can select the tenure of the loan from 3 months to 15 months at your convenience.
We don't conceal any fees from our clients. Any fees that may apply are disclosed in advance.
We also provide a free look offer. This gives borrowers three days from the date of disbursement to repay the whole loan amount. There are no fees or charges levied for this.
Before you start the loan application process, do understand the eligibility criteria. This will help you in getting loans processed faster. Here are the eligibility criteria for instant personal loan in Patna: -
A few documents are needed to apply for a personal loan in Patna. You shall be ready with the scanned copies of these documents before starting the loan application: -
You can easily get an instant personal loan in Patna through lendingplate. Here is the application process to help you: -
If you are not eligible for a loan then you can’t apply for it. Hence firstly you shall check whether you fulfil the loan eligibility criteria or not and then only go further.
If you fulfil the loan eligibility criteria then you can initiate a loan application. You just need to sign up on the lendingplate website, fill up the form with your basic details and submit the application.
We ask for minimal documentation to process the loan application. You need to submit the scanned copies of these documents online.
Our team of loan experts will verify and review your application. They have the final authority to approve your loan.
Your loan application is accepted if all of your supporting documentation and application are authentic. Your loan will be approved then.
Fast disbursal is required in personal loans as they are taken for urgent needs. Hence, we take care to give quick disbursement after the loan is approved.
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] |
At least you shall be earning ₹20,000 per month to apply for a personal loan in Patna.
A credit score of 750 is necessary to apply for a personal loan.
The loan process in Patna will take less than 24 hours.
If you miss the loan repayments then you will have to pay penalty charges. Your credit score will also be impacted negatively.
Tax benefit on personal loans occurs if it’s taken for specific purposes like education expenses, starting a business, home renovation etc.
NRIs don’t qualify for personal loans in Patna.
The maximum loan amount you can get in Patna is ₹2.50 lakhs.
To check your loan eligibility, you can use a personal loan eligibility calculator.
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