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We serve loans, the best way you can borrow
A short term loan offers you speedy access to repay within a few months. You can get the loan from lendingplate in amounts ranging from ₹10,000 to ₹2,50,000.
Our short term personal loan helps you meet immediate expenses without long-term commitments. We process your application quickly so you receive funds on the same day.
Your loan application takes just minutes to complete through our website or mobile app. We offer competitive interest rates starting from 12% per annum. Our instant short term loan process requires minimal documentation.
We review your application and transfer funds within 30 minutes after approval. You don't wait for days to access money.
Submit your basic KYC and income documents through our app. We keep the paperwork simple so you get funds faster.
We follow RBI guidelines for lending. You get fair interest rates and clear terms without any misleading information.
Choose any loan amount between ₹10,000 to ₹2,50,000 based on your needs. We adjust the terms to match your requirements.
Apply through our website or mobile app from anywhere. Track your application status and manage your loan account online.
Our team helps you through the entire process. Contact us anytime through the app for assistance with your loan.
We clearly explain all charges upfront. You know exactly what you pay without hidden costs or surprise fees later.
We protect your personal details from scammers. Your data stays confidential and we share it only with regulators.
Ask for automatic payments to your bank. You can select a repayment time that works as per your budget.
Getting a loan from lendingplate takes just a few simple steps through our digital platform..
You need to understand the charges once you borrow the amount from us. Once you know the charges, it becomes easier to apply for the loan –
| 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] |
Our short term loans come with flexible repayment options ranging from 3 to 15 months. You pick a tenure that matches your monthly budget for EMI payments. We calculate your EMI amount based on the loan amount and tenure you select.
Short term loans work great for smaller expenses since you can borrow as little as ₹10,000. These loans help cover emergency medical bills, festive shopping, travel costs or home repairs. You avoid long-term debt and pay less interest due to the shorter tenure.
You need a monthly salary of at least ₹20,000 to qualify for our short term loans. We look at your take-home pay after all deductions. Your existing EMIs should not exceed 50% of your net monthly income. A higher income improves your chances of approval.
No – you won't be able to change the repayment tenure. Contact our customer service team through the app to explore this option.
Your credit score significantly affects your interest rate. Scores above 650 qualify for our best rates – starting 12% per annum. Lower scores mean higher interest rates of up to 36% per annum. We check your credit report from CIBIL and other bureaus during evaluation.
We provide unsecured short term loans without any collateral requirement. You don't need to pledge any assets or property. We evaluate your application based on income proof, credit score and other eligibility criteria. This makes the process faster and simpler.
Yes, you can prepay your loan partially or fully anytime. We charge 5% of the outstanding amount as a foreclosure fee if you prepay before the first EMI due date. There's no foreclosure charge for prepayment after paying your first EMI.
Make all EMI payments on time to avoid late fees. Set up auto-debit from your bank account. Consider prepaying when you have extra funds since there's no foreclosure charge after the first EMI. Choose a shorter tenure if you can afford higher EMIs.
Select the loan details you want to know
Select the loan details you want to know
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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.
