Credit Expert
Hero Background
Interest Saved By Customers:₹01234567890123456789,01234567890123456789,01234567890123456789,012345678901234567890123456789.01234567890123456789

A smarter way to reduceyour debt.

Combine multiple EMIs into one. Explore lower-rate financing options designed around your profile.

Axis FinanceIDFC FIRST BankBajaj FinservYES BankTATA CapitalL&T FinanceCredit SaisonShriramSMFGKotak Mahindra BankICICI Bank
Axis FinanceIDFC FIRST BankBajaj FinservYES BankTATA CapitalL&T FinanceCredit SaisonShriramSMFGKotak Mahindra BankICICI Bank

Bring Your Eligible Loans Together

Personal Loan

Make your monthly repayments more manageable.

Get a better rate and a more manageable EMI, without the complexity.

Personal LoanHDFC Bank
×

Current EMI

₹0

per month

16.5%interest rate

New EMI

₹0

per month

9.99%interest rate

You could save

₹0

every month

Check your EMI options
Join 10,000+ Indianswho simplified their loans
Credit Card

Reduce the burden of expensive credit-card debt.

Take control of high-interest credit-card debt.

4111 1111 1111 9743
Card Holder
Raj
Expires
12/24
VISA

45%

Current rate

11%

Potential rate*

App Loans

Bring scattered app loans into a clearer plan.

Simplify multiple app loans into one manageable payment

KreditBee

₹8,000

KreditBee

LazyPay

₹5,500

LazyPay

MoneyView

₹3,200

MoneyView

₹2,800

Other app loan

ONE EMI

₹15,999

per month

Multiple Loans

Replace multiple payments
with one simpler repayment.

"I had four different payments
to keep track of every month..."

₹12,500

Personal Loan

₹8,300

Credit Card

₹4,200

Overdraft

₹3,800

App Loan

ONE EMI

₹24,999

per month

Overdraft

Explore options for expensive overdraft debt.

Take control of high-cost overdraft debt.

14%

Current rate

11.75%

Potential rate*

Bring Your Eligible Loans Together

Different Loans. One Lower EMI.

Personal Loan
Background

Personal Loan

High-interest personal loans can be refinanced at lower rates.

Existing Loan

Outstanding

₹4,80,000

Interest Rate

16.5%

EMI

₹15,200

Potential New Rate

9.99% p.a.

Potential New EMI

₹12,400

Illustrative example. Actual eligibility and rates vary.

Credit Card Loans
Background

Credit Card Loans

Convert high-interest credit card dues into a single, lower-interest EMI.

HDFC Card₹8,200
SBI Card₹6,450
Axis Card₹7,890
ICICI Card₹5,600

Before: 36–42% p.a.

Total EMI

₹28,140

One EMI

₹12,500

@ 9.99% p.a.

Potential EMI Difference

₹15,640 / month

Illustrative EMI difference. Example for visualization purposes only.

App Loans
Background

App Loans

Combine multiple app loans and reduce your total interest outgo.

Multiple App EMIs

₹4,200₹3,800₹5,100₹2,900

One Consolidated EMI

₹10,900*

*Illustrative example. Actual terms depend on eligibility.

Multiple Loans
Background

Multiple Loans

Merge multiple EMIs into one simple, affordable EMI.

Personal Loan₹8,500 EMI
Credit Card₹6,200 EMI
App Loan₹4,100 EMI

ONE EMI

₹12,900*

*Illustrative example. Actual rates and EMI may vary.

Overdraft / OD
Background

Overdraft / OD

Refinance eligible OD facilities at potentially lower interest rates.

Existing OD

Utilized Amount

₹7,50,000

Current Rate

15.5%

Potential New Rate

9.99%*

*Indicative rate. Subject to eligibility.

Personal Loan
Background

Personal Loan

High-interest personal loans can be refinanced at lower rates.

Existing Loan

Outstanding

₹4,80,000

Interest Rate

16.5%

EMI

₹15,200

Potential New Rate

9.99% p.a.

Potential New EMI

₹12,400

Illustrative example. Actual eligibility and rates vary.

Credit Card Loans
Background

Credit Card Loans

Convert high-interest credit card dues into a single, lower-interest EMI.

HDFC Card₹8,200
SBI Card₹6,450
Axis Card₹7,890
ICICI Card₹5,600

Before: 36–42% p.a.

Total EMI

₹28,140

One EMI

₹12,500

@ 9.99% p.a.

Potential EMI Difference

₹15,640 / month

Illustrative EMI difference. Example for visualization purposes only.

App Loans
Background

App Loans

Combine multiple app loans and reduce your total interest outgo.

Multiple App EMIs

₹4,200₹3,800₹5,100₹2,900

One Consolidated EMI

₹10,900*

*Illustrative example. Actual terms depend on eligibility.

Multiple Loans
Background

Multiple Loans

Merge multiple EMIs into one simple, affordable EMI.

Personal Loan₹8,500 EMI
Credit Card₹6,200 EMI
App Loan₹4,100 EMI

ONE EMI

₹12,900*

*Illustrative example. Actual rates and EMI may vary.

Overdraft / OD
Background

Overdraft / OD

Refinance eligible OD facilities at potentially lower interest rates.

Existing OD

Utilized Amount

₹7,50,000

Current Rate

15.5%

Potential New Rate

9.99%*

*Indicative rate. Subject to eligibility.

10,000+ Users
4.9 Rating
Real-time insights
Secure & compliant

A SIMPLE PROCESS

First understand.
Then decide.

STEP 01

Tell us where you stand.

Share your basic loan, EMI, income and borrowing details.

STEP 02

We review your situation.

We look at your current obligations, interest rates and requirements.

STEP 03

Understand your options.

We'll explain the options available to you so you can make an informed decision.

Trust & Safety

Before you share documents

We will never

  • ×Ask you to send money to a personal UPI
  • ×Guarantee loan approval
  • ×Guarantee a particular interest rate
  • ×Misrepresent ourselves as a bank

Your final lender always makes the credit decision.

EMI Calculator

Calculate your monthly EMI, total interest, and total amount payable.

₹
₹50K₹1Cr+
%
5%30%
mo
6 Months30 Years

Your EMI Details

Monthly EMI

₹10,747

Total Interest

₹1,44,820

Total Payable

₹6,44,820

Potential Savings at 9.99%:
₹7,560
New EMI at 9.99%: ₹10,621/mo
Principal is 77.5% and Interest is 22.5% of total amount payable.

Calculations are estimates for illustration purposes only. Actual EMI, tenure, and interest rate depend on lender policies and customer eligibility.

Questions, answered.

Common questions about loan consolidation and how we help.

See your options

Take a minute to tell us about your situation.

Credit Profile & Identity

DOB
Your information is secure and never shared without consent.