Decide based on your real situation, not on how fast the loan is approved.
Loan amounts of Rs 5,000 to Rs 2,50,000 with tenure up to 15 months — flexible for small to mid-size needs.
Simple eligibility — just age 21+ and Rs 20,000+ monthly income.
Rate of 2% to 5% per month (roughly 24-60% p.a.) is costly at the higher end.
Requires Rs 20,000+ monthly income, which excludes lower-income applicants.
An identified Apple App Store listing associates the LendingPlate brand with Unifinz Capital India Limited. That association does not by itself establish the brand's current business model — whether a given offer involves a direct lender, a lending service provider, an aggregator or a marketplace — nor does it confirm current regulatory status, which must be checked against the RBI NBFC list under the lender's full legal name. Identity, regulation, affordability and service conduct are separate tests: a traceable brand can still be impersonated, and a genuine loan can still be expensive or unsuitable. The FAQs below cover how to verify the lender and the app, the eligibility conditions disclosed in the listing, and how to reach support or report a problem.
Accepted answer
Condition: Match the domain, publisher, KFS, agreement and repayment beneficiary.
Benefit: The offer-specific KFS reveals APR, deductions, EMI and legal lender.
Characteristic: Brand identity is claimed, but 2026 RBI status remains unconfirmed.
Differentiator: RBI registers the legal lender, not the LendingPlate app.
