Reduce Your Monthly
EMI by 20%

Most customers reduce their total monthly EMI by 15-30%. If you're paying 36-42% interest on credit cards, switching to a personal loan at 10-14% can save you lakhs in interest. A ₹5 lakh credit card debt at 42% costs ₹17,500/month — after consolidation at 11%, it drops to ₹10,800/month.

Balance transfer means moving your outstanding credit card debt to a personal loan at a much lower interest rate. Credit cards charge 36-42% per year, while a consolidation loan charges 10-14%. This single switch can save you ₹80,000+ per year on ₹5 lakh outstanding.

Yes. Many banks like Kotak, HDFC, ICICI, Bajaj Finance offer top-up loans on existing personal loans. Overdraft (OD) facility gives you a credit line — you pay interest only on the amount you use. Great for emergencies without taking a new loan.

Checking your eligibility through Wishfin does NOT affect your CIBIL score. In fact, consolidation can improve your score by reducing credit card utilization and showing consistent EMI payments on a single loan.

Basic documents: PAN card, Aadhaar, last 3 months salary slips (or ITR for self-employed), and bank statements. Most banks now offer digital verification, so the process is quick and paperless.