Borrow via Our P2P Partner
Lendcord provides a secure digital platform that lets eligible borrowers apply for loans through Lendbox (Capicord Technologies Private Limited), our RBI-registered NBFC-P2P lending partner. Submitting an application through Lendcord does not guarantee loan approval — all applications are subject to verification, credit assessment, eligibility criteria, and Lendbox's final approval.
Eligibility
- Indian citizen and resident
- 21 years of age or above at the time of application
- Valid PAN and Aadhaar (or another officially valid identity document)
- Active bank account in your own name
- Valid mobile number and email address
- Successful completion of KYC and verification prescribed by Lendbox
- Meets the credit, risk, and underwriting criteria set by Lendbox
Documents You May Need
Identity Proof (any one)
- PAN Card
- Aadhaar Card
- Passport
- Voter ID
- Driving Licence (where accepted)
Address Proof (any one)
- Aadhaar Card
- Passport
- Voter ID
- Driving Licence
- Recent bank statement
- Utility bill (where accepted)
Income Proof
- Salaried: recent salary slips, salary credit bank statement, Form 16 (if applicable)
- Self-employed: ITR, GST returns (where applicable), business financial statements, bank statements
Bank Statement
- Statement for the period prescribed by Lendbox — generally 3–6 months
Lendbox may request additional documents depending on your profile, including employment or business proof, GST/UDYAM registration, rental agreement, utility bills, or a cancelled cheque.
What You Can Use the Loan For
- Higher education and professional courses
- Medical emergencies and healthcare expenses
- Wedding and family celebrations
- Home renovation and improvement
- Purchase of consumer goods or personal assets
- Vehicle purchase or related expenses
- Travel and holidays
- Debt consolidation or repayment of existing personal loans
- Credit card bill repayment
- Temporary cash flow requirements
- Relocation and household expenses
Loan proceeds must not be used for any unlawful activity, gambling or betting, money laundering or terrorist financing, purchase of prohibited goods or services, or any purpose restricted by law or by Lendbox's credit policy.
Disbursement & Repayment
Once Lendbox approves your loan and you've completed the required documentation, your loan amount is disbursed through authorised banking channels — disbursement and repayments may be facilitated through escrow accounts or other RBI-compliant payment mechanisms. Before you accept a loan offer, you'll receive full details of the loan amount, interest rate, repayment schedule, EMI amount, applicable fees, and total repayment obligation, through the Key Fact Statement (KFS), Sanction Letter, and Loan Agreement.
- UPI
- Net Banking
- IMPS
- NEFT
- RTGS
- Auto-Debit / e-NACH (where available)
Fees
Lendcord's own platform fee, and all charges set by Lendbox — interest rate, processing fee, penal charges — are disclosed before you accept a loan. See our Pricing & Service Fee Disclosure for the full breakdown.
View Pricing & Service Fee Disclosure →Regulatory Disclosure
Capicord Technologies Pvt Ltd acts solely as a technology platform and channel partner. All borrower onboarding, KYC verification, credit assessment, loan approval, documentation, fund disbursement, repayment management, and other regulated lending activities are performed by Lendbox (Capicord Technologies Private Limited), an RBI-registered NBFC-P2P, in accordance with applicable RBI regulations. Meeting the eligibility criteria above does not guarantee loan approval.