LendingPlate Review — Rates, Eligibility & Safety Check
Last verified: pending first manual verification
Some figures below are pending our manual verification cycle — treat them as indicative bands until marked verified.
OperatorUnifinz Capital India Limited
Regulated entity behind the appUnifinz Capital India Limited
Websitehttps://www.lendingplate.com
Products & pricing bands
| Tier | Ticket | Tenure | Rate band | Processing fee | APR band | Disbursal | Min income |
|---|---|---|---|---|---|---|---|
| T2 | ₹10,000 – ₹2,50,000 | 90 – 365 days | 18% p.a. – 36% p.a. | 2% – 6% + GST | see KFS | varies | ₹20,000 |
Works well
- Direct NBFC model — the brand and the RBI-registered lender are the same listed entity [VERIFY]
- Mid-ticket short-term personal loans positioned between micro apps and bank loans
Watch out
- Pricing sits at the upper end of the personal-loan spectrum; compare the KFS APR against larger platforms before accepting
- Smaller brand with a shorter public track record than the majors
- Salaried-only focus
Safety checklist
| Names its NBFC partner publicly | ✅ yes |
| Key Fact Statement available | — pending verification |
| Avoids contacts/media permissions | — pending verification |
| Grievance officer named | — pending verification |
What borrowers complain about
Limited public complaint history given its size; scattered reviews mention low first-loan limits and standard collection follow-up. Insufficient volume for firm patterns — verify independently.
Compare before you commit
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