Skip to main content
RBI-registered NBFC partner

Loans up to ₹5 Crore.
Approved fast.

One platform. Four loan products. Indicative rate from 10.99% p.a.* · 100% online · 24-72 hour disbursal.

✓ No paperwork ✓ Soft CIBIL check ✓ Direct bank credit
★★★★★ RBI-registered NBFC partner · Fair Practice Code aligned
Pick your loan

Four products. One platform.

Whichever loan you pick, the journey is the same — apply in 90 seconds, get a decision in 24 hours, money in your bank in 24-72 hours after sanction.

★ Personal loan
From ₹50K — up to
₹50 Lakh

Personal loan

For weddings, medical, home renovation, debt consolidation, or any personal need.

From 10.99% p.a. 12–120 months Unsecured
Apply for personal →
★ Business loan
From ₹1 Lakh — up to
₹2 Crore

Business loan

For working capital, inventory, equipment, expansion, or short-term cash-flow gaps.

From 10.99% p.a. 12–120 months Collateral optional
Apply for business →
★ Cash loan
From ₹1 Lakh — up to
₹50 Lakh

Cash loan

Flexible-tenure cash loans for any need — short or long. Quick decision, fast disbursal.

From 10.99% p.a. 12–120 months Instant decision
Apply for cash →
★ Loan against property
From ₹5 Lakh — up to
₹5 Crore

Loan against property

Long-tenure, larger loans secured against your residential or commercial property.

From 10.99% p.a. 60–240 months Secured
Apply for property →
Why Plan B

Sober lending, fair process.

An RBI-registered NBFC partner reviews every file. We follow Digital Lending Guidelines and the Fair Practice Code.

⚖

RBI-aligned

NBFC partner is RBI-registered. Digital Lending Guidelines compliant.

⌘

Fully digital

End-to-end online. No branch visits, no paper agreements.

◐

No hidden fees

Plan B charges zero fees to you. Final KFS shows everything.

✦

Real humans

Indian underwriters review every file. Not a black-box algorithm.

FAQ

Things you might wonder.

Is Plan B Credit a bank or NBFC?+
No. Plan B Credit is a Lending Service Provider (LSP). We partner with an RBI-registered NBFC that sanctions and disburses every loan. We handle the application, underwriting, and support across all four product lines.
What's the actual interest rate?+
Indicative rate is 10.99% p.a. across all four loan products. Final rate depends on credit profile, loan amount, tenure, and security. The Key Fact Statement from the NBFC shows the exact rate, fees, and APR before you sign.
Will applying affect my CIBIL?+
The initial eligibility check is a soft inquiry — no CIBIL impact. A hard inquiry only happens at the NBFC sanction stage, after you've reviewed the offer and agreed to proceed.
How long does disbursal take?+
Most loans (personal, business, cash) reach the bank in 24–72 hours after NBFC sanction. Loan against property takes longer because of property document verification — typically 5–10 business days.
What documents do I need?+
For the application: PAN and Aadhaar. For NBFC sanction (if approved): bank statements (last 3 months), salary slips or ITRs. Loan against property additionally needs property papers (title deed, sale deed, latest tax receipt). All uploaded digitally.
Does Plan B Credit charge any fee?+
Plan B charges zero fees to the borrower. Our revenue comes from the NBFC partner. A processing fee may apply — the exact amount is shown in your offer before you accept, and detailed in the Key Fact Statement (KFS) issued by the NBFC partner.

Ready when you are.

~90 seconds to apply. Decision in 24 hours. No paperwork.

Apply Now →