L&T PLANET - Personal Loan App

4.5
197K reviews
Content rating
Everyone
10M+
Downloads
Content rating
Everyone
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About this app

Need an Urgent Personal Loan fast? PLANET - the best instant personal loan app & trusted online personal loan app India - instant cash loan, same day disbursal & no hidden charges.

Planet is one of the leading online personal loan apps in India, Whether you need a small personal loan, personal loan 50,000, 1 lakh personal loan, this NBFC personal loan platform. Get personal loan at lowest interest rate for loan for salaried or personal loan for self employed.

⚡Why Choose PLANET - Quick Loan App?

● Same Day Disbursal: Get Instant Personal Loan Approval in 5 minutes with fastest personal loan processing
● Flexible Loan Options: From a small loan app for immediate personal loan needs to a home loan app or SME loan
● Personal Loan Fast Approval: Our EMI personal loan app ensures quick personal loan approval
● Smart Finance: 100% paperless process, EMI calculator, repayment tracking, & easy loan statement access
● Safe & Transparent: No hidden charges; secure loan processing via an RBI-registered NBFC

💵Highlights of Our Online Personal Loan Services

● Finance Amount: ₹50,000 to ₹30 Lakh
● Repayment Tenure: 12 to 72 months
● Annual Percentage Rate (APR): 11% to 26% reducing
● Processing Fees: Up to 4% + applicable taxes

Example:

● Loan Amount: ₹ 10,00,000/-
● Interest Rates: 12% p.a. on a reducing basis
● Tenure: 48 months
● Processing Fee (PF): 2% (₹ 20,000/-)
In this case, the actual loan details will be:
● Net disbursement amount - ₹9,80,000/- (Loan amount – PF)
● Estimated EMI: ₹ 26,445/-

If you opt for insurance, its cost will be added to the loan & increase the EMI accordingly.

Fee & charges information: https://www.ltfs.com/our-products/personal-loans/fees
Privacy Policy URL - https://www.ltfs.com/privacy-policy

T&C Apply

💰Loan Categories Available

● Personal Loan for Salaried & Self Employed - loan for salaried & personal loan for self employed with flexible EMIs
● Instant Loan - immediate personal loan, personal loan without cibil, personal loan with low credit score options
● Home Loan App - home loan with lowest interest rate via simple digital process
● Debt Consolidation - personal loan for debt consolidation to simplify your finances
● Business & SME Loan - manage working capital or grow your business
● Professional Loans - for doctors, CAs & self-employed
● Bike Loan App - refinance bike loan or vehicle loan apply online with affordable EMIs
● Micro & Short Term Loan - small personal loan apps for short term personal loan needs

✅Key Features of Planet Loan App

● Loan EMI Calculator: Estimate EMIs before applying with our best EMI personal loan app
● Credit Score Access: Track CIBIL; get personal loan without cibil or personal loan with low credit score
● Loan Statements: Download repayment schedules, foreclosure letters, & NOC kits
● Paperless Online Personal Loan Application with minimal documents
● Secure & Unsecured Loan: secure loan, unsecured loan, loan on property, & property loan

👥Who Can Apply?

● Salaried users needing personal loan immediately
● Self-employed, entrepreneurs & shop owners
● Doctors, CAs & other professionals
● Farmers & small businesses seeking agri/SME loans

🚀Why PLANET Loan App Stands Out

Unlike any personal loan bank or quick personal loan apps, PLANET - the cheapest personal loan app - offers personal loan with low interest, personal loan interest low, personal loans with low interest rates, personal loan at low interest rate, instant personal loan without income proof, instant approval personal loan & personal loan instant approval.

Download the mobile personal loan app today - personal loan apps download is free. Apply for fastest personal loan, personal loan quick approval online. Manage finances with one of India's top online personal loan apps - best personal loan app in india.

📩Contact Us: ltfs-mobileapp@ltfs.com
Updated on
Jul 9, 2026

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
App info and performance
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.5
196K reviews
Win FIx
June 3, 2026
⭐ 1/5 Very poor experience with L&T Finance. My EMI due date is on the 3rd, but I paid it on the 2nd. Even after successful payment, the app did not update the records and still attempted another auto-debit from my bank account. Fortunately, I had withdrawn the balance, otherwise the amount could have been deducted twice. This is not the first time; it happens repeatedly. Other finance apps update payments quickly, but L&T Finance is extremely slow and unreliable. Worst finance app.
16 people found this review helpful
L&T Finance
June 9, 2026
Dear User, Thank you for sharing your feedback. We noticed that you gave us a 1-star rating and would like to understand if there's a specific issue with our services. Could you please provide more details so we can address your concerns accordingly? Best regards, Team L&T Finance
DHRUVIL PATIL
May 31, 2026
⭐ 1 Star Very poor experience. I have never missed or bounced an EMI, yet I keep receiving multiple reminder calls before the due date. Even after enabling call blocking in the app and complaining to customer care, the calls continue. Extremely frustrating and disappointing customer service. *NOT RECOMMENDED*
10 people found this review helpful
L&T Finance
June 4, 2026
Dear User, To assist you further, please email us at customercare@ltfs.com or call us at 1800-268-0000. Regards, Team L&T Finance
Manoj JK
May 28, 2026
The loan availing experience with L&T Finance has been smooth and hassle-free. However, the repeated BOT reminder calls, around 10–12 calls daily, starting 1–2 weeks before the EMI auto-debit date - have negatively impacted the overall experience. Since EMI auto-debit is already enabled, such excessive reminder calls feel unnecessary and disruptive. I won't be addressing support email for this, as I was advised to enable DND on my phone last time. I have enabled max spam block in Truecaller.
7 people found this review helpful
L&T Finance
June 3, 2026
Dear User, We sincerely apologize for your unsatisfactory experience. To help us resolve this for you, please send your contact number or loan account number via DM. Regards, Team L&T Finance

What’s new

The Personal Loan journey has been revamped to enable a simpler and faster borrowing experience. A seamless digital application experience is now offered, along with improved performance and stability.
Content rating
Everyone
Learn more

App support

About the developer
L&T FINANCE LIMITED
ltfs-mobileapp@ltfs.com
Brindavan, Plot No. 177, C.S.T Road, Kalina, Santacruz (East), Mumbai, Maharashtra 400098 India
+91 98335 29461

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