
At lendingplate, we give you quick personal loan in Vadodara when you need funds fast. You can borrow between ₹10,000 to ₹2,50,000 for many different needs (including weddings, festivals, medical bills or buying things you want). We know getting money fast matters to you.
Our loan in Vadodara process works differently from banks. You apply online without visiting any office. We check your details fast with minimum papers. You get money in your account on the same day. Our loan in Vadodara works well for salaried people who earn at least ₹20,000 monthly.
We believe in trusting our borrowers and keeping things clear. The processing fees range from 1% to 5% of your loan amount. Interest rates start at 12% and may go up to 36% per year. We store your data safely using encryption methods.
Our team at lendingplate only shares information with credit bureaus and regulators as needed. Get our app on your phone for the easiest way to apply for a loan in Vadodara. You can complete all steps right from your mobile without paperwork stress.
We process your loan application within minutes after you fill out our simple form. You need to share minimal documents and your online banking details with us. Our team reviews your application without making you wait.
You need only basic KYC documents and income proof for your loan in Vadodara. We don't ask for property papers or multiple guarantors like many lenders do.
Our loan in Vadodara ranges from small ₹10,000 amounts to larger ₹2,50,000 sums based on your needs. You choose exactly how much money you want without taking more than necessary.
After approval, we transfer the money to your bank account within 30 minutes. Our instant personal loan in Vadodara truly lives up to its name with real same-day funding.
Getting a personal loan from us at lendingplate is easy. You only need to follow the below-offered parameters to qualify for the loan.
So, consult us for a personal loan in Vadodara and get your money disbursed within 30 minutes.–
Parameter | Requirement |
Age | Above 21 years |
Business Type | Self-employed professional or business owner |
Monthly Income | ₹20,000 |
KYC Status | Valid identity and address proof |
It does not matter whether you are self-employed or a business professional. We can offer loans from ₹10,000 to ₹2,50,000 at lendingplate. The following are the documents you may need to get the loan from us. Check the criteria carefully to get your application approved at the first time –
Document Type | Details Required |
Identity Proof |
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Signature Proof |
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Address Proof |
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Business Proof |
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Income Proof |
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Financial Documents |
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Get the lendingplate app on your phone from Google Play Store or App Store now. The app works smoothly on most phones with minimal storage requirements.
Enter your name, mobile number and email and create a password to start your loan application process. We verify your number through a quick OTP check.
Take clear photos of your identity proof, address proof and income documents within the app. Our automated system checks document quality instantly.
Connect your bank account safely through our secure integration for quick verification of your income history. We maintain strict security protocols.
We process everything within minutes and send loan money directly to your registered bank account within 30 minutes. No waiting period is needed!
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 need a monthly income of at least ₹20,000 to qualify for our loan in Vadodara. We check your salary slips and bank statements for income verification. Your income source must show stability with regular credits for at least six months. Part-time income can add to your eligibility but we need proof. A high income improves your chances of getting larger loan amounts. We look at your income after tax deductions to calculate your repayment capacity accurately.
Yes, you can apply even without a credit score (as we look beyond just CIBIL ratings). First-time borrowers get special consideration through our proprietary credit algorithm system. We check your banking habits, spending patterns and savings to gauge your financial responsibility. Your employment stability and income growth matter more to us than just numbers. Our social loan quotient assessment helps evaluate your profile comprehensively. You might get a smaller amount initially to build a credit history with us.
We process your loan application within minutes after you submit all required information through our app. Document verification happens almost instantly with our automated systems checking everything. Banking information verification takes just a few minutes through secure API connections. The approval decision reaches your phone immediately after our checks finish. Money transfer to your account happens within 30 minutes after final approval. The entire process finishes on the same day you apply.
Late payments first incur a penalty fee based on your outstanding amount and days delayed. Your credit score takes a hit – which affects future loan approvals with any lender. We send reminders through SMS, email and app notifications before your due date. Our recovery team contacts you to understand your situation and offer solutions. Repeated defaults may lead to legal action (as mentioned in your loan agreement). We report payment behaviour to credit bureaus – which impacts your financial profile long-term.
Personal loans generally don't qualify for direct tax deductions under Indian income tax laws. However, if you use the loan for home renovation, you might claim deductions under Section 24. Business-related expenses funded through personal loans can sometimes qualify for deductions if properly documented. Education expenses paid through personal loans might get tax benefits under Section 80E in specific cases. Interest payments on personal loans don't get the tax advantages that home loans enjoy. Consult a tax professional for advice specific to your situation.
NRIs cannot directly apply for our regular loan through our standard process. You need Indian residency and a local income source for our current loan products. NRIs with Indian bank accounts can explore other specialised financial products we might offer. Returning NRIs who have established local income sources become eligible after six months. We check income stability and local credit history for returning NRIs before approval. Special documentation (including visa details) would be required for such applications.
The maximum loan amount available is ₹2,50,000 based on your income and credit profile. The high-income earners with excellent credit history qualify for the maximum amount faster. Your existing loan obligations reduce your eligible amount regardless of income level. We calculate your debt-to-income ratio to determine sustainable loan amounts for you. First-time borrowers typically start with lower amounts (even with good income). Loan amounts increase in subsequent applications if you maintain a good repayment history with us.
Use our eligibility calculator on the lendingplate website or app to check quickly. Enter basic details like your income, age and existing loan obligations for instant assessment. You can update different income figures to see how they change your eligibility. The calculator shows interest rates and EMI estimates based on your preliminary information. This helps you plan better before starting the actual application.
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