LendingPlate is a great app for small loans. It actually reminds me a lot of Cashe in how they operate. But let’s be real: they don’t throw around coupons like a pizza shop. Here is how to save money on this app in 2026.
What is the Active LendingPlate Code?
Currently, there is no public “Universal Code” active for everyone. Codes like SAVE20 were valid years ago. If you try them now, you will likely get an “Invalid Coupon” error.
But don’t worry. There are still two ways to get a discount:
Personal SMS Offers (The “Abandoned Cart” trick).
The Referral Link (Best for new users).
Quick Status Table (2026)
Code Name
Status
My Advice
SAVE20
Expired
Don’t waste time.
FEST50
Seasonal
Only works during Diwali/Holi.
Referral
Active
Ask a friend for their link.
How to Actually Get a Discount (My Trick)
Since public codes are dead, I use this trick to trigger a personal offer.
The “Abandoned Application” Strategy:
Register: Download the LendingPlate App and fill in your basic details.
Upload Documents: Finish the KYC part.
The Pause Move: This is key. When the app showed me the “Approved Limit” and the heavy “Processing Fee”, I didn’t click accept. I just closed the app right there.
The Waiting Game: I didn’t open it for a full day. About 24 hours later…
The Result: The LendingPlate team often calls you or sends a WhatsApp message saying “Complete your loan and get ₹200 off”. They might give you a code like LPNEW200.
Eligibility Checklist (Don’t Get Rejected)
Codes won’t help if your application gets rejected.
Income: You must earn at least ₹20,000/month (In hand).
Employment: They prefer “Salaried” people. Self-employed get rejected often.
Credit Score: A score of 600+ is decent enough here.
High Interest Warning
LendingPlate is safe (NRP Cap Fin P Ltd is their NBFC), but the interest is high.
Rate: Up to 36% per year.
Calculation: For a ₹10,000 loan for 3 months, you might pay back ₹11,500.
My Rule: Take this loan only if you can’t borrow from a friend. Use it for emergencies only.
Frequently Asked Questions :-
Q: Where do I enter the promo code?
My View: The option appears on the “Loan Summary” page. It is a small box near the “Processing Fee” breakdown. If you don’t see it, it means your profile isn’t eligible for offers.
Q: Can I use SAVE20 in 2026?
My View: You can try, but 99% chance it will say “Expired”. It is an old code.
Conclusion
Stop searching for fake codes. For LendingPlate, the best strategy is the “Wait and Watch” method to get a personal offer.
If you want an app with a Guaranteed code right now, check Money View (WIZIZN4M) or Ring Loan (SHT300) from our other guides.
मैं दिनेश नाम से जाना जाता हूं और मुझे बैंकिंग उद्योग से गहरा लगाव है। इसके अतिरिक्त, मेरे पास एचडीएफसी बैंक में loan जारी करने का 3 साल का अनुभव है।
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