# lendingplate-Personal Loan App > Online personal loans from ₹10,000 to ₹2,50,000 with quick disbursement. (iPhone/iPad app by Unifinz Capital India Limited.) - Source: https://appshunter.io/ios/app/lendingplate-personal-loan-app/id1658697924 (this page in markdown: same URL + `.md`) - Developer: [Unifinz Capital India Limited](https://appshunter.io/developer/1658697926) - Category: Finance - Price: Free - Rating: 4.55/5 from 27,858 App Store ratings · 27 written reviews indexed - Age rating: 4+ - Requires: iOS 18.0 · 118 MB - Languages: American English - Released: 2023-02-01 - Data updated: 2026-09-05 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/lendingplate-personal-loan-app/id1658697924/reviews.md ## What is lendingplate? lendingplate is a personal loan mobile application that offers loans from ₹5,000 to ₹2,50,000 at attractive interest rates, zero collateral and almost instantly at your convenience. You can apply online from any of our approved locations and on approval, you get direct transfer of your loan money within minutes to your bank account. lendingplate is the brand-name of Unifinz Capital India Limited which is Non-Banking Finance Company (NBFC) registered with the Reserve Bank of India (RBI). The company conducts lending operations in a transparent manner under the extant guidelines of the RBI. Features ⁍ Personal loans ranging from ₹5,000 to ₹2,50,000 ⁍ Repayment tenure ranging from 3 months to 15 months ⁍ Processing Fees ranging from 1% to 5% of loan amount ⁍ Conversion Fees ranging from 1% to 5% of loan amount ⁍ Rate of Interest (ROI) ranging from 12% onwards depending on your risk profile ⁍ APR ranging from 12% to 36%; rates vary from customer to customer ⁍ Completely online paperless documentation ⁍ Loans available to improve your Credit Score ⁍ Apply Loan from anywhere, anytime on our 24x7 online platform ⁍ Repay Loan from anywhere, anytime as you like, no early repay charges ⁍ Verify your Income via Account Aggregator (AA) or Bank Statement ⁍ Avail Freelook Offer of 3 days and exit the loan by paying the principal and proportionate APR Eligibility ⁍ You must be an Indian national ⁍ You must be over the age of 21 years ⁍ Your monthly income must be atleast ₹20,000 Steps to avail loan ⁍ Install lendingplate app in your mobile phone ⁍ Sign up with your mobile number and OTP ⁍ Verify your PAN to check for pre-approved offers ⁍ Register yourself by filling up your basic information and your selfie ⁍ Verify your Income via Account Aggregator (AA) or Bank Statement ⁍ E-sign your loan agreement and NACH repayment ⁍ Direct your loan money to your bank account Representative Example ⁍ Loan Amount : ₹25,000 ⁍ Annual Rate of Interest (ROI) : 24% ⁍ Tenure : 12 months ⁍ Processing Fee {excl. GST} : ₹500 ⁍ Conversion Fee {excl. GST} : ₹500 ⁍ Total Fees : ₹1,000 (A) ⁍ Equated Monthly Instalment (EMI) : ₹2,364 ⁍ Total Repayment Amount : ₹28,368 ⁍ Total Interest : ₹3,368 (B) ⁍ Total Cost of Loan (A+B) : ₹4,368 ⁍ Annual Percentage Rate (APR) : 32.05% Security & Privacy Policy lendingplate personal loan app ensures safety via standard security and privacy protocols to protect its database. Our app is safe and secure and we do not share customer information with third parties without consent. Queries? ⁍ care@lendingplate.com ⁍ +91-7373737316 Let’s Connect! ⁍ https://www.facebook.com/lendingplate ⁍ https://twitter.com/lendingplate ⁍ https://www.instagram.com/lendingplate ⁍ https://www.youtube.com/@lendingplate ⁍ https://www.linkedin.com/company/lendingplate/ Download lendingplate instant personal loan app now ! ## Key features - Personal loans up to ₹2,50,000 - Zero collateral required - Completely online paperless documentation - Direct bank account transfer - Loans to improve credit score - No early repayment charges - 3-day free-look period ## Recent user reviews (10 of 27) All indexed reviews: https://appshunter.io/ios/app/lendingplate-personal-loan-app/id1658697924/reviews.md ### 4/5 — H *2026-08-07* I was admitted in hospital as i was diagnosed with Dengue and a dangerous Bacterial infection. While all other apps like lendit, Fibe, Kreditbee got my data and sold it but Lending plate supported me continuously for 3 months with higher amounts to meet my medical expenses along with my daily expenses.! am really grateful to be a customer of such a good lending partner whose interest rates are nominal and really helps when needed. Thank You lending plate, you're the reason i am back on my foot again. Lets create this bond more stronger **Developer response:** Thank you very much. Keep using our app 😊 ### 1/5 — Approved, but not disbursed. Loan sanctioned, agreement marked “PAID” but no funds received. *2026-08-03* My experience with this app has been extremely disappointing. My loan was approved, the eNACH mandate was completed successfully, the loan agreement was generated and signed, and I even received the ₹1 verification transaction. However, despite all the formalities being completed, the loan amount was never disbursed to my bank account. This was on the 31st July and while I write this review it’s the 3rd august. I contacted customer support multiple times and received inconsistent responses. Initially, I was repeatedly told that the amount would be credited within 24 hours. Later, I was informed that there was a third-party technical issue. To make matters worse, I was then asked to complete the eNACH process again, even though it had already been completed successfully. The most concerning part is that the loan agreement I received was marked “PAID” despite no funds ever being credited to my account. Even after repeatedly requesting the loan to be revoked and seeking written confirmation that it would not affect my CIBIL, I have been left waiting without a clear resolution. I have sent repeated email but no response to any of my emails. I hope the company improves its internal processes, communication, and customer support so that future customers do not have to go through a similar experience. **Developer response:** We are sorry for the inconvenience cause to you. Please send us mail on care@lendingplate.com so that we can address your concern at the earliest. ### 5/5 — Supportive staff *2026-07-09* Lendingplate is one of the top loan lending apps on my playstore and it is easy to use and always gives me the best offers with hassle free and smooth disbursement. I have been using this app since a year and helped me in many ways in my bad times. I do prefer to refer this app to my friends and colleagues. Thank you lending plate team. **Developer response:** We appreciate your kind words, its a great pleasure. ### 1/5 — Worst Application *2026-07-08* The worst application, I have ever seen because I have been trying to contact the customer care since many days even after the loan has been approved, they have not credited anything to my account, but even I even try calling the customer care nobody is responding. Hence I am cancelling the mandate and I have also dropped an email on your email address telling that I need to cancel my loan application and at the same time, I am cancelling all the email date and then necessary things because I have not received any amount to my account going further. I don’t wanna take risk. Thank you. **Developer response:** We are sorry for the inconvenience cause to you. Please send us mail on care@lendingplate.com so that we can address your concern at the earliest. ### 5/5 — Best App Available-It's my Best Friend *2026-07-05* edited 24 Apr • Jiten_Nik I was admitted in hospital as i was diagnosed with Dengue and a dangerous Bacterial infection. While all other apps like lendit, Fibe, Kreditbee got my data and sold it but Lending plate supported me continuously for 3 months with higher amounts to meet my medical expenses along with my daily expenses. I am really grateful to be a customer of such a good lending partner whose interest rates are nominal and really helps when needed. Thank You lending plate, you're the reason i am back on my foot again. Lets create this bond more stronger **Developer response:** We appreciate your kind words, its a great pleasure. ### 1/5 — Pathetic service *2026-06-13* The app is not able to verify work email and the customer support on chat does not reply and everywhere companies increase limit on early payment these guys decrease and when customer support is contacted they do not even accept that the app was not verifying work email even after sending screenshot and will put it on system anything you say is system generated they have a namesake sanction department which does nothing everything is done by their system they say and the people are extremely arrogant **Developer response:** We are sorry for the inconvenience cause to you. Please send us mail on care@lendingplate.com so that we can address your concern at the earliest. ### 5/5 — Shyam Muppidi *2026-06-09* For the first two times I had to upload all the necessary docs and then it took it’s time for processing the request and disbursing the amount. But now as I’ve repaid the first two loans on time, it was a like a breeze and hassle free process to get the loan third time. I’m really impressed with speedy and swift process. Thank you TEAM - Lending Plate😊 **Developer response:** Thank you very much. Keep using our app 😊 ### 5/5 — Amazing app *2026-04-27* Thank you so much team! Due to low cibil i always have to go with loan platform with 1% interest rate thank you to this app it was not only help me be financial free but also given me opportunity to stop using worst app out there which i was using for months thank you team and thank you one who made this it really help people us when actually in some urgent needs. Thank you so so much !!! **Developer response:** Thank you very much. Keep using our app 😊 ### 1/5 — Worst Application *2026-04-27* The worst application, I have ever seen because I have been trying to contact the customer care since many days even after the loan has been approved, they have not credited anything to my account, but even I even try calling the customer care nobody is responding. Hence I am cancelling the mandate and I have also dropped an email on your email address telling that I need to cancel my loan application and at the same time, I am cancelling all the email date and then necessary things because I have not received any amount to my account going further. I don’t wanna take risk. Thank you. **Developer response:** We are sorry for the inconvenience cause to you. Please send us mail on care@lendingplate.com so that we can address your concern at the earliest. ### 5/5 — Best App Available-It’s my Best Friend Now *2026-04-24* I was admitted in hospital as i was diagnosed with Dengue and a dangerous Bacterial infection. While all other apps like lendit, Fibe, Kreditbee got my data and sold it but Lending plate supported me continuously for 3 months with higher amounts to meet my medical expenses along with my daily expenses. I am really grateful to be a customer of such a good lending partner whose interest rates are nominal and really helps when needed. Thank You lending plate, you’re the reason i am back on my foot again. Lets create this bond more stronger ❤️ **Developer response:** We appreciate your kind words, its a great pleasure. ## Frequently asked questions about lendingplate ### What is the minimum and maximum loan amount offered by lendingplate? lendingplate offers personal loans ranging from ₹10,000 to ₹2,50,000. The specific amount you are eligible for will depend on your risk profile and other factors. ### What are the interest rates and fees associated with lendingplate loans? The Rate of Interest (ROI) starts from 12% onwards, with an APR ranging from 12% to 36%. Processing and conversion fees typically range from 1% to 5% of the loan amount. ### How long does it take to get the loan money after approval with lendingplate? Once your loan is approved, you can expect a direct transfer of the loan money to your bank account within minutes. ### Does lendingplate require any collateral for personal loans? No, lendingplate offers personal loans with zero collateral, making it a convenient option for borrowers. ### What is the repayment tenure for loans from lendingplate? The repayment tenure for loans from lendingplate ranges from 3 months to 15 months, providing flexibility for borrowers. ### Can I repay my loan early with lendingplate? Yes, you can repay your loan anytime with lendingplate. There are no early repayment charges, allowing you to save on interest. ### What are the eligibility criteria for applying for a loan with lendingplate? To be eligible for a loan, you must be an Indian national over 21 years old with a net monthly take-home salary of at least ₹20,000, which must be credited regularly to your bank account. ### Is lendingplate a secure app for personal loan applications? Yes, lendingplate ensures safety via standard security and privacy protocols to protect its database. They do not share customer information with third parties without consent. ## Version history (last 5 releases) ### 5.3.0 — 2026-08-22 Dashboard, VKYC , Bug Fixed etc. ### 5.2.1 — 2026-07-02 Bug Fixed. ### 5.2 — 2026-06-25 Minor Bug Fixed. ### 5.1 — 2026-05-19 Minor Bug Fixed. ### 5.0 — 2026-02-25 Minor Bug Fixed & UI Improvements ## Apps similar to lendingplate | App | Rating | Price | Category | | --- | --- | --- | --- | | [Instantpay](https://appshunter.io/ios/app/instantpay/id6444669672) | 1.1 (19) | Free | Finance | | [Loanwolf](https://appshunter.io/ios/app/loanwolf/id1634189539) | — | Free | Finance | | [DakshinPay - Pay Later](https://appshunter.io/ios/app/dakshinpay-pay-later/id1638496254) | — | Free | Finance | | [Cash King \| Personal Loan App](https://appshunter.io/ios/app/cash-king-personal-loan-app/id6446945269) | 3.0 (2) | Free | Finance | | [Refyne](https://appshunter.io/ios/app/refyne/id1628740208) | 4.0 (545) | Free | Finance | | [Ninja App](https://appshunter.io/ios/app/ninja-app/id1626963855) | — | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-05.*