🏦 Through an RBI-registered NBFC

Personal loans, properly underwritten.

Plan B Credit is a Lending Service Provider connecting borrowers with a regulated NBFC partner. We review every file by hand — no algorithmic black box.

From
10.99% p.a.*
Up to
₹50 Lakh
Tenure
12–84 mo
Check application status About Plan B
★ Featured product

Plan B Personal Loan

Provided by our RBI-registered NBFC partner
Amount
₹50k – ₹50L
Tenure
12 – 84 mo
Processing fee
1% – 3%
Foreclosure
After 6 EMIs
  • Soft eligibility check — no CIBIL impact
  • Manual review by our team within 24 hours
  • For salaried & self-employed
  • Direct bank disbursal after sanction
Already applied? Check status →
How it works

From request to disbursal.

No paperwork, no branch visits. A real human reviews your file at every stage.

1

Tell us about you

Complete the application in 60 seconds. Personal details, income, loan amount.

2

We review

Our team manually checks your profile within 24 business hours. We may call to verify.

3

NBFC sanction

Approved files go to the NBFC partner for final sanction and Key Fact Statement (KFS).

4

Bank disbursal

Once sanctioned, funds are credited to your bank · usually within 1–3 business days.

Trust & regulation

Built honestly. Regulated properly.

We follow RBI's Digital Lending Guidelines for Lending Service Providers. Every loan is sanctioned by an RBI-registered NBFC.

🏦
RBI-registered partner
All loans are sanctioned by an RBI-approved NBFC
🔒
Data encrypted
Industry-standard TLS encryption in transit and at rest
📋
KFS disclosed
Key Fact Statement shared before any sanction
⚖️
3-level grievance
Support → Officer → RBI Ombudsman, per RBI norms
Common questions

Quick answers.

Who is Plan B Credit?
Plan B Credit is a Lending Service Provider (LSP) registered in India. We are not a lender or NBFC ourselves. We partner with an RBI-registered NBFC who provides the actual loan. Plan B handles your application and forwards approved files to the NBFC for sanction and disbursal.
What's the interest rate?
Rates start at 10.99% p.a. and can go up to 24% p.a. based on your credit profile, loan amount, and tenure. Final rate is decided by the NBFC and disclosed in the Key Fact Statement (KFS) before you sign.
How much can I borrow?
Loan amounts range from ₹50,000 to ₹50 Lakh. The actual sanction depends on your monthly income, existing EMIs, credit score, and the NBFC's underwriting policy.
How long does the process take?
Application review by Plan B: within 24 business hours. NBFC sanction (after approval): typically 1–3 business days. Disbursal: same day as sanction once you e-sign the loan agreement.
What documents do I need?
For most loans: PAN, Aadhaar, last 3–6 months bank statement, salary slips (if salaried) or ITR (if self-employed). All uploaded digitally — no physical paperwork.
Does checking eligibility hurt my credit score?
No. We use a soft inquiry for the eligibility check, which doesn't impact your CIBIL score. A hard inquiry only happens at the NBFC's stage if you proceed with the loan offer.
Can I check my application status?
Yes. Use the Check status page with your reference ID (starts with CX-). You'll see whether your application is under review, approved, with the NBFC, or disbursed.