headercom

Did You Know?

We serve loans, the best way you can borrow

Great Place to Work

Introduction to Personal Loans in Uttar Pradesh

Uttar Pradesh is a vibrant state with a rich cultural heritage. Its economy is centred on trade, industry, and agriculture. Some popular cities in Uttar Pradesh, such as Ayodhya and Varanasi, possess significant cultural heritage and offer a wealth of opportunities for advancement, while cities like Lucknow, Kanpur, and Noida serve as important financial hubs.

Uttar Pradesh is also one of India's most populous states. It is home to the Taj Mahal and various other attractions, which attract tourists from all over the world. The state’s economy is growing, and with it is also the financial needs of people have also increased. You can benefit from a personal loan in Uttar Pradesh from Lendingplate.

We provide low-interest, immediate personal loans. Our website allows you to apply online for an instant loan in Uttar Pradesh. It would hardly take a few minutes to complete the application process.

Personal Loan EMI Calculator

Want to plan your payments with our personal loan EMI calculator monthly? Get clear numbers in seconds to make smarter borrowing decisions.

Amount
25000
Duration
12 M
Interest Rate
36 %
Monthly EMI

₹2512

Total Interest ₹5144
Total Amount ₹30144

Features and Benefits of Personal Loans in Uttar Pradesh

Are you looking for a Personal loan in Uttar Pradesh to fulfil your financial goals or urgent needs? Then, lendingplate is the answer. We can help you get a personal loan with the best terms. Here are the main benefits of online personal loan in Uttar Pradesh offered by lendingplate: -

Quick Loan Approval

People require personal loans in times of urgency. Hence, it shall be approved fast. Lendingplate takes care to give quick approvals for personal loans.

Collateral Free Loan

We don’t ask for any security or collateral for personal loan. This is because we approve your loan based on other parameters like credit score, earnings, repayment capacity, etc.

Low Interest Loans

Our loans are quite affordable and have low interest rates. They start with interest rates of 12% per annum.

Flexibility

Customers are free to decide the loan tenure as per their repayment capacity. He can choose the repayment tenure between 3 months and 15 months.

No Hidden Charges

We don’t have any hidden charges on the loans we offer. All charges are revealed to customers.

Freelook Offer

We also have a free look offer. This offer allows customers to return the entire loan amount within 3 days of disbursement. He won’t have to pay any charges for this.

Eligibility

If you fulfil the eligibility criteria then only you can apply for personal loan in Uttar Pradesh. Hence, before applying for a personal loan, you must get aware of the loan eligibility criteria: -

  • Applicant age shall be between 21 and 58 years.
  • Only Indian Citizens are eligible.
  • A salaried individual should have monthly earnings of ₹20,000. And a self-employed individual shall have minimum yearly earnings of ₹2.40 lakhs.
  • Salary credits at regular intervals shall be reflected in your bank account.
  • A minimum of 1 year of experience is required for a salaried employee.
  • The minimum credit score has to be 750.
  • Private sector employees working in top MNCs, as well as Government sector employees, are eligible.

Documents

We ask for minimal documents to process an application for an instant loan in Uttar Pradesh. Here is the list of documents required: -

  • Identity Proof: To establish your identification, you must present any government ID, such as a voter ID, passport, Aadhar, or PAN card.
  • Valid Address Proof: Proof of address must be presented in the form of a utility bill, rental agreement, home loan statement, etc.
  • Income Confirmation: Documents like a salary slip and bank statement can be given for income confirmation.
  • Job Continuity Proof: Working professionals have to give a document from their employer that proves their job continuity.

 

How to Apply for a Personal Loan in Uttar Pradesh?

If you are looking for a personal loan in Uttar Pradesh, then you should be aware of the loan application process. The loan application process is really easy with Lendingplate. The procedures to apply for an online personal loan in Uttar Pradesh are as follows:

Check Eligibility

Verifying your eligibility for a personal loan is the first step in the loan application process. Only you may apply for a loan if you are eligible.

Begin the Application

If you fulfil the loan eligibility criteria, then you can start your loan application. You need to initiate the application online. You will have to fill out the form with the basic details and submit it.

Upload Documents

After application initiation, you need to submit documents. We don’t ask for many documents for the loan process. You just have to submit the scanned copies of basic documents like identity proof, address proof, income proof, etc.

Verification

We have lending specialists who verify your loan application and documents. They decide whether to approve your loan application or not.

Loan Approval

If your application seems okay, then your instant loan in Uttar Pradesh will be approved by the respective authorities.

Quick Disbursement

Personal loans are meant for urgent needs. Hence, we take care to give fast disbursement after the loan has been approved.

Interest Rates and Charges on Personal Loans in Uttar Pradesh

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]

Frequently Asked Questions

A personal loan requires a minimum salary of ₹20,000. Your annual income must be at least ₹2.40 lakhs if you are operating a business.

In Uttar Pradesh, you must have a credit score of at least 750 in order to qualify for a personal loan.

It won’t take more than 24 hours to process the personal loan application.

You shall always pay your personal loan on time. If you don’t do that, then you will be charged penalties.

There are no direct tax benefits on personal loans. But if a personal loan is opted for specific purposes like starting a business, home renovation, education expenses, etc, then you get tax benefits.

In Uttar Pradesh, non-resident Indians are not permitted to apply for personal loans.

You can get a maximum loan of ₹2.50 lakhs from lendingplate.

One might consult the lender's eligibility requirements to determine their eligibility for a loan. To verify loan eligibility, one can also utilise a personal loan eligibility calculator.

Personal Loan as per Budget

Select the loan details you want to know

Personal Loan as per Salary

Select the loan details you want to know

lendingplate’s Personal Loan Available Across India

Instant Personal Loan For Various Purposes

Planning your perfect wedding shouldn't be limited by money worries. Book the perfect venue, hire top photographers and order those gorgeous outfits today. A marriage loan covers everything from venue bookings to catering services. Our marriage loans bring you flexible repayment options and fast approvals. Start planning your special celebrations with the support of instant financing.

Learn More

Want to explore new places, but your savings are falling short? A travel loan brings your dream holiday closer, letting you book flights and hotels right away. Pay in simple monthly instalments that match your salary. No need to touch your savings or miss those limited-time travel deals. Create wonderful memories now with our fast-track travel loans.

Learn More

Multiple debts causing stress? Say goodbye to financial stress as you work steadily to become debt-free with simplified money handling. Stop juggling multiple payments and high interest rates. Get one loan to clear all your debts with lower monthly payments. Track your progress easily as you move steadily toward becoming debt-free with simplified money management.

Learn More

Make your living space better without emptying your savings account. Fix that leaky roof or build the kitchen you've always wanted. Get competitive interest rates and flexible repayment options. Quick approvals mean you can start work fast. Smart interest rates and easy EMIs help you create better living spaces with peace of mind.

Learn More

Getting urgent medical care shouldn't depend on your bank balance. Medical emergency loans give you quick access to funds when health issues strike. We care about your health with instant medical loans. Get started with minimal paperwork and receive money in your account within hours. Easy repayment terms let you concentrate on recovery while managing your finances sensibly.

Learn More