L&T Finance PLANET - Loan App

L&T Finance

About this app

Looking for Instant loans? Get them all on the PLANET finance app!

L&T Finance PLANET is your all-in-one loan platform, designed as a complete finance app for instant personal loans, home loans, business loans, farm loans, and more. Backed by L&T Finance, it offers quick online loan approvals and flexible EMIs.

Why Choose PLANET Loan App?

✓ Instant Personal Loan: Apply for personal loans from ₹50,000 to ₹30 Lakh with quick approval and fast disbursal.
✓ Comprehensive Loans: Home loans, SME loans, two-wheeler loans, bike loans, farm loans, micro loans, and professional loans - all in one finance platform.
✓ Gold Loan Quick-Pay: Make instant EMI payments with one tap for gold loans and other loan accounts.
✓ Simplified Interface: Navigate easily and manage all loans, track repayments, and check loan status.
✓ Loan EMI Calculator: Plan finances with personal loan EMI calculator, home loan EMI calculator, and business loan EMI calculator.
✓ 100% Paperless: Digital loan processing with minimal documentation.
✓ Marketplace Integration: Explore two-wheelers, farm equipment, and exclusive auctions through the digital lending app.
✓ Property Services: Get instant property valuations and search your dream property.
✓ SME Banking Solutions: Pay overdraft EMIs seamlessly and manage business finances.

Loan Products

● Personal Loan App: Quick personal loan with flexible tenure (12-60 months). APR from 10.5%. For medical, education, travel, or wedding needs.
● Home Loan: Housing loan up to ₹25 Lakh. Plan with home loan EMI calculator.
● Business & SME Loan: Working capital, shop loan, and MSME financing with business loan EMI options. Get instant business loan app access.
● Two-Wheeler Loan: Finance bikes, scooters, electric scooters, and electric vehicles with instant bike loan approval.
● Farm & Agri Loan: Agricultural finance, tractor loan, kisan loans and equipment loan. Check mandi prices in-app.
● Professional Loan: For doctors, CAs, and self-employed.
● Micro Loan: Small instant loan for short-term needs.
● Loan Against Property: Larger amounts with competitive rates.

How to Apply Online

1. Download PLANET and register with mobile number
2. Check eligibility and credit score
3. Choose loan type and apply personal loan online
4. Upload KYC (Aadhaar, PAN)
5. Get instant approval
6. Receive money in bank account

Smart Features

✓ Track Credit Score: Check CIBIL score and credit health
✓ ITR Filing: File income tax returns, check ITR status, ITR refund status
✓ Loan Statements: Download repayment schedules, foreclosure statements, NOC kits, interest certificates
✓ Part Payment & Balance Transfer: Reduce interest or transfer loans
✓ EMI Payment App: Pay loan EMIs online securely
✓ Financial Planning: Manage multiple loan accounts

Highlights of Our Online Personal Loan Services

● Finance Amount: ₹50,000 to ₹30 Lakh
● Repayment Tenure: 12 to 60 months
● Annual Percentage Rate (APR): 10.5% to 26% (reducing basis)
● Processing Fees: 0% to 3%

Example: Loan ₹10,00,000 at 12% p.a. for 48 months with 2% processing fee (₹20,000). Net disbursal: ₹9,80,000. EMI: ₹26,445/-

Insurance cost (if opted) will be added to the loan and increase EMI.

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

T&C Apply

Why Trust PLANET?

Backed by L&T Finance, an RBI-registered NBFC with decades of excellence. PLANET offers secure online loan options, transparent terms, and specialized financing - from instant personal loan to farm loan - with complete digital convenience. As the best loan app in India, we provide trusted financial solutions for every need.

Download PLANET now and apply for personal loan, home loan, business loan, or any instant loan. Access loan calculators, check credit scores, file ITR, and manage finances.

Contact Us:
For feedback on our loan platform, mail us at [e-mail]

Ratings and reviews

They are Fraud. Their agents are bad, plus if somebody is new to loan things they add an extra amount in the loan amount. couple of concerns raised but no response. My issue is still open. Don't trust them. Fraud ,................ I have raised many concerns. If you think you are providing help. That is not the case. please go to your system and check

Worst experience ever. This app and service feel like a complete scam in the name of banking. I made a part-payment almost a month ago and they still have not updated it in my loan account. They take the money but don’t reflect it on time, which raises serious questions about their honesty and system. Customer service is useless. No proper response, no solution, only auto-generated emails. Nobody takes ownership, nobody cares. The app also shows wrong loan details and fake part-payment options

it was my life's biggest mistake to finance a bike from Larsen and toubro finance I am not able to use this app the last two months because they are not sending the OTP so that I can login very fragile app cheap app and above all the worst two wheeler finance company of the world I want to give minus stars but there is no provision it's now more than two months I am not able to use the app as I am not receiving OTP on my registered number but they are doing nothing to get my problem resolve

What’s new

Introducing PLANET 3.0 – Enhanced features to simplify your loan journey.

- Simplified Interface: Navigate your app with ease and clarity.
- Gold Loan Quick-pay: Make instant EMI payments with just one tap.
- Marketplace Integration: Explore Two-wheelers, Farm products, and exclusive Auctions.
- Property Services: Get instant property valuations and search your dream property.
- SME Banking Solutions: Pay upcoming EMIs for your overdraft accounts seamlessly.