One Monthly EMI
Bring eligible loans and credit card dues together into one repayment plan.
A simpler way forward
Multiple EMIs?
Make Them One.
Consolidate your eligible personal loans and credit card dues into one manageable monthly EMI with CREDFREE. Explore loan options with interest rates starting at 9.99% p.a.
Simple process.•Personalised guidance.•One EMI to manage.
9.99% p.a. is a starting advertised rate, not a guaranteed offer. Eligibility and final pricing depend on lender assessment.
Too many due dates.
Too little peace of mind.
- Juggling multiple EMIs every month?
- A large part of your salary going towards EMIs?
- Different lenders, different interest rates?
- Constant payment reminders and stress?
Less complexity. More clarity.
Take control of your debt. One EMI at a time.
A simpler repayment plan can make room for what matters to you.
Explore Better Rates
Explore rates starting at 9.99% p.a., subject to eligibility and lender approval.
Simplify Your Finances
Fewer payment dates. One monthly repayment schedule. A little more breathing room.
Personalised Guidance
Understand your options with a team that supports you through the process.
Let the numbers bring clarity
Calculate your new EMI
Estimate your consolidated monthly payment and compare it with your current EMI burden.
₹25,000₹1,00,00,000
9.99% p.a.36% p.a.
Loan tenure 5 years
Your combined personal loan and credit card payments.
A clearer monthly picture
Estimated consolidated monthly EMI
₹16,994 / month
You could potentially reduce your monthly payment by ₹10,006.
₹27,000Current EMI
₹16,994Estimated EMI
Total repayment₹10,19,622
Total interest payable₹2,19,622
Repayment tenure60 months
These calculations are illustrative estimates, not a loan offer or approval. Actual rates, fees, tenure, eligible loan amount, and repayment obligations depend on lender terms and your financial profile. A lower EMI may result from a longer tenure and may increase total interest paid.
Understand your options
What is debt consolidation?
Debt consolidation involves replacing multiple eligible outstanding debts with a single new loan. Instead of managing multiple repayment schedules, you make one monthly EMI towards the new loan.
Consolidation requires lender approval. Existing debts must be properly settled using the approved funds. It does not automatically reduce your total debt or guarantee lower borrowing costs.
Explore debt consolidationBefore consolidation
- Multiple personal loan EMIs
- Credit card repayments
- Different payment dates
- Multiple outstanding balances
After an approved loan
- One new loan
- One monthly EMI
- One repayment schedule
- Clearer monthly obligations
A simple path forward
One step closer to a simpler EMI.
From understanding your situation to exploring the right options, we’re with you.
01
Share Your Details
Tell us about your income, contact details and current loan obligations.
02
Review Your Eligibility
Our team reviews your information to understand the options that may fit.
03
Explore Available Offers
If eligible, compare the amount, interest rate, tenure, fees and repayment schedule.
04
Consolidate Eligible Debts
If approved and accepted, complete the lender’s process and settle eligible debts.
Submitting an enquiry does not guarantee eligibility, loan approval, or disbursement.
Answers, without the fine print
A little clarity goes a long way.
Your questions about debt consolidation, answered.
Debt consolidation means combining multiple eligible outstanding debts into a single new loan, subject to lender approval.
Built on transparency
Financial decisions deserve clarity.
Nothing hidden. Nothing rushed.
Understand interest rates, fees and repayment terms before deciding. No pressure, no guaranteed approvals.
Your privacy comes first.
Your submitted information is used to understand and respond to your enquiry, with separate promotional consent.
Your situation. Your options.
Guidance based on individual eligibility. Specific offers must identify the actual lender and their terms.
Make room for a fresh start.
Let’s explore a simpler way to manage your monthly repayments.
Check My Eligibility9.99% p.a. is a starting advertised rate, not a guaranteed offer. Eligibility and final pricing depend on lender assessment.