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Punjab is situated in the northwestern region of India. It is India’s most fertile land making it important for farming and agriculture. The soil of Punjab is very fertile for growing vegetables, fruits, sugarcane and rice.
In the State of Punjab, there are five rivers. The name Punjab comes from this. "Ab" signifies water, and "Panj" indicates five. Punjab boasts a vibrant tourism, music, culinary, and film industry. If you live in Punjab and need money, LendingPlate can assist you.
We offer personal loans in Punjab at reasonable rates. You can easily apply for an instant loan in Punjab through the lendingplate website.
Want to plan your payments with our personal loan EMI calculator monthly? Get clear numbers in seconds to make smarter borrowing decisions.
There are a lot of advantages of taking personal loans from lendingplate. Here are the main features and benefits of instant loan in Punjab: -
With the help of our digital platform, you can complete the entire loan process just in 10 minutes. All you need to do is upload the documents and enter some basic information. A prompt decision about your loan request will be given to you.
You can get funds without pledging any asset. This is because we evaluate your loan application based on earnings, credit score and payback ability rather than property or investment given as security.
With lendingplate you can borrow exactly what you need. We offer instant loan in Punjab ranging from ₹10,000 to ₹2.50 lakhs.
We have a freelook offer for you. As per this if you return the entire loan amount in the first 3 days then you don’t have to pay any fees.
We believe in transparency and hence we don’t charge hidden fees. All details like interest rates, EMIs, and processing fees are clearly disclosed on an upfront basis.
The instant loan in Punjab that we offer doesn’t carry end usage limitations. Whether it's a kid’s education, a friend’s marriage, or a medical emergency you can utilise it for whatever purpose you want. We don’t put any restrictions.
You must fulfil the lender's minimal standards in order to apply for an instant loan in Punjab. The eligibility criteria for personal loans in Punjab are as under: -
In order to get a personal loan in Punjab you will need to submit certain documents online. Here is the list of those documents: -
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: -
Prior to applying for a personal loan, confirm that you meet the prerequisites. You can use a personal loan eligibility calculator to verify this.
If you meet the eligibility criteria then you can initiate an online application. Sign up on the website with your mobile number and select the loan amount.
We require minimal documentation to process the loan. There are certain necessary documents like a PAN card, residence proof, income proof etc which you need to submit online.
There is a team of loan experts who will have a look at your loan application. If they find everything okay then they will approve your loan.
Within a few hours of the loan being accepted, the funds will be credited to 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] |
You should be earning at least ₹20,000 per month to get a personal loan in Punjab.
No lender will process the loan without a credit score. For a personal loan from lendingplate you will need a credit score of 750 or more.
Your entire loan process will take no more than 24 hours of time.
In case of default in loan repayment, you will have to pay penalty charges. In addition to this, your credit score will also be impacted negatively and you won’t be able to get a loan from any lender.
Tax benefits come into the picture if you avail of a personal loan for a specific purpose. This includes home renovation, child education expenses, starting a business etc.
NRIs don’t qualify for instant loan in Punjab.
At max, one can avail loan of up to ₹2.50 lakhs.
There is a loan eligibility calculator which you can use to check your eligibility for a loan.
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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.
