Look, surprise bills have this annoying habit of showing up right when your bank account looks sad. Last year my AC died during a brutal heatwave. I needed money fast and found Lendingplate, this digital lending app from Unifinz Capital India Limited. They’re an RBI registered NBFC doing quick personal loans, anywhere from ₹5,000 to ₹2.5 lakhs. Approvals happen fast, sometimes money hits your account in 10 minutes through their Lendingplate loan app.
Here’s what got me hooked though. Why pay full price when a Lendingplate promo code exists? I’ve used a few myself. They knock down fees or add cashback. Makes a real difference when you’re stressed about money. This post covers the latest promo codes for 2025. I’ll show you how to get instant personal loan approvals, explain who qualifies, and share some tips so you don’t mess up your finances.
Fair warning: approvals depend on your credit profile. Read the terms before you commit to anything. I’m not promising you’ll get approved.
Top Lendingplate Promo Code Deals 2025
I pulled these from DesiDime, INRDeals, and NinjaOffers. Verified them myself. Things change fast though, so confirm in the app before getting excited. Some offers work automatically, others need you to type in a code.
- SAVE20 50% off processing fees. Saves up to ₹1,250 on a ₹25,000 loan. Valid until February 31, 2026. Works for new and existing users.
- FEST50 50% fee waiver plus ₹500 cashback on loans above ₹10,000. Valid until March 31, 2026. New users only.
- NEW100 100% processing fee waiver, capped at ₹1,000. Valid until January 31, 2026. First time borrowers get this one.
- DIWALI25 25% discount on first month interest, saves up to ₹500. Valid until June 31, 2026. All users qualify.
Stack these with bank partnerships. Say you have an RBL Credit Card. You might pocket up to ₹5,000 cashback on a ₹15,000 loan. I’ve tried it. The savings add up faster than you’d think.
Open the app and lock in your code today.
How to Get Instant Personal Loan with Lendingplate Promo Code: Step by Step
Lendingplate keeps everything online. Takes about 10 minutes from start to finish. Based on user reviews and official guides I’ve followed, you enter the promo code right on the offer page after approval. Look for a box labeled “Promo Code” or “Got a Coupon?” under the fees summary. The system recalculates instantly. Even if your CIBIL score sits around 650, smaller loan amounts improve your chances.
Download and Register :-
Grab the Lendingplate loan app from Google Play or App Store. Security is tight with encryption, and users rate it 4.2 stars. Enter your mobile number, verify with OTP, done.
Fill in Basic Details :-
Add your PIN code, city, state, PAN, and the name matching your PAN. Select whether you’re salaried or self employed. Note your income source, cash or bank transfer. Monthly income needs to be at least ₹20,000. Add your email and take a quick selfie.
Job and Income Information :-
Enter your work details: employer name, your role, office address, PIN code. Add your salary date and where you’re applying from, home or office. Tick work from home if that applies. Skip optional fields if they annoy you. 1
Complete KYC :-
Link DigiLocker for Aadhaar verification. Super simple. Then upload one address proof. Utility bills work, landline or mobile bills, water bills, rent agreements, passport copies.
Review Offer and Enter Your Lendingplate Promo Code :-
Approval comes fast. Say you get ₹15,000 approved at 24 to 36 percent annual interest over 3 to 15 months. Right on that offer screen, after the green light, scroll to the fee breakdown.
Find the “Have a Promo Code?” section below the details. Tap it, type SAVE20 or whatever code you have, hit apply. Watch the processing fees (1 to 5 percent, usually ₹500 to ₹1,250 plus GST) drop, sometimes by half. You have to do this during acceptance. No going back later. Sign the e-agreement once the fees update.
Add Bank Details and Proof :-
Enter IFSC code, bank name, branch, account number. Verify everything. Upload three months of bank statements. You do this manually or through net banking.
Set Up Auto Pay and Get Your Money :-
You can set up direct bank payments through net banking or your debit/credit card for the monthly EMI auto-debit. Staying up to date on payment dates keeps you from missing payments and avoids late fees. The fund will be credited into your account quickly. For example, you would have taken an EMI of 15,000 and 1,841 charges, so you have received 13,758 into your account.
Real example: Take a ₹15,000 loan for 30 days with SAVE20. Interest runs about 1 percent daily, 24 percent effective annual rate. Total payback before code: ₹17,475. After code: fees drop to ₹920, net cash becomes ₹14,080. No early closure allowed until after first EMI, but there’s a three day cooling period.
Low credit score? Start with ₹5,000 to ₹10,000 first.
Eligibility Criteria for Lendingplate Loan App
Meeting these requirements keeps the process smooth.
- Age between 21 and 60 years
- Monthly income of at least ₹20,000, salaried or self employed
- CIBIL score of 650 or higher, though they’re flexible with newer borrowers
- Indian citizenship, available in over 200 cities
- Documents needed: PAN, Aadhaar, selfie, bank statements, address proof
Interest rates range from 12 to 36 percent annually. APR jumps higher when you factor in fees. Loan terms run 3 to 15 months. No collateral required.
Benefits, Precautions, and What Users Say
The app uses solid encryption and scores 4.4 out of 5 on the App Store. Users praise the speed, though some complain about interest rates.
Things to watch out for: rates climb high. Skip Lendingplate if your bank quotes 14 to 15 percent. Only borrow what you need.
Final Thoughts: Borrow Smart, Save Even Bigger
Using a Lendingplate promo code makes this a smarter choice for emergencies. Still, compare with bank offers first. If your credit looks shaky, this works as a bridge. Just don’t lean on it too hard. I’ve been in tight spots before. Borrowing responsibly always pays off better than scrambling later.
Frequently Asked Questions :-
What is the minimum loan amount available on Lendingplate?
The minimum you borrow starts at ₹5,000, which works well for smaller emergencies or testing the platform if you’re new to digital lending.
What is the maximum loan amount I qualify for?
You qualify for up to ₹2.5 lakhs depending on your income, credit score, and repayment history with the platform or similar lenders.
How long does loan approval take?
Approval often happens in 10 minutes or less once you submit all documents and complete verification, though complex cases might take longer.
Am I allowed to prepay my loan early?
Yes, you prepay after completing your first EMI with no prepayment penalties, which saves you interest on the remaining loan balance.
Do promo codes stack with other offers?
Sometimes promo codes stack with bank partnership deals, so check the app during application to see which combinations work for maximum savings.
