"Two credit cards at 40% were eating my salary. One HDFC loan at 11.5% and I breathe again."
Rohit S., Pune · Salaried · ₹5 lakh outstanding
Monthly EMI₹17,500 → ₹10,800
Replace credit card balances and multiple EMIs with one lower EMI from a bank or NBFC. Repay over 12 to 72 months. Drag the slider for an indicative estimate.
Indicative only. Assumes a typical credit card rate of 42% p.a. versus a consolidation loan at 11% p.a. over 48 months, excluding fees. Rates offered by partner lenders range from 9.97% to a maximum APR of 24% p.a. depending on your credit profile. See the full terms and representative example below.
Free. Takes 60 seconds. No CIBIL impact.
Wishfin is a loan marketplace, not a lender. We share your details with partner banks and NBFCs, who make the final lending decision. Approval, rate and tenure are subject to the lender's credit assessment.
A Wishfin expert will call you within 24 hours with offers from the banks that fit your profile. Keep your PAN and last salary slip handy. The lender's final rate, fees and tenure will be shown to you in the sanction letter before you accept.
Anything with a high interest rate can be moved into one cheaper loan. Most people combine two or more of these.
Move dues from 36–42% to 10–14%. Save ₹90,000+ a year on ₹3 lakh.
Personal, consumer‑durable and app loans merged into one date, one amount.
Need extra funds? Add to a running loan without a fresh application.
A standby credit line for emergencies. Pay interest only on what you use.
All lenders are RBI‑regulated. Rates below are indicative starting rates as published by each lender; your offer depends on income, credit history and tenure, up to a maximum APR of 26.5% p.a.
| Bank | Starting rate | Best known for |
|---|---|---|
| Kotak Mahindra Lowest | 9.97% | Lowest starting rate in the panel |
| ICICI Bank | 9.99% | Disbursal in as little as 4 hours |
| HDFC Bank | 9.99% | Pre‑approved offers for existing customers |
| Axis Bank | 9.99% | Balance transfer specialist |
| Bajaj Finance | 10.50% | Flexi loan with overdraft option |
| IDFC First Bank | 10.50% | Fully digital approval |
| Tata Capital | 10.99% | Flexible tenure up to 6 years |
| Poonawalla Fincorp | 10.99% | Fast processing |
| Yes Bank | 10.99% | Top‑up on running loans |
Not sure which bank suits you? That's what the free call is for.
| Loan amount | ₹5,00,000 |
| Interest rate (reducing balance) | 11% p.a. |
| Tenure | 48 months |
| Monthly EMI | ₹12,922 |
| Total interest over 48 months | ₹1,20,256 |
| Processing fee (2% + 18% GST) | ₹11,800 |
| Total cost of loan (interest + fees) | ₹1,32,056 |
| Total amount repaid | ₹6,32,056 |
| Effective APR including fees | approx. 12.2% |
Processing fees vary by lender from 0% to 3% of the loan amount plus GST. Some lenders charge foreclosure or part‑prepayment fees of 0% to 5%. Late payment attracts penal charges as per the lender's schedule and may affect your credit score. Loans that must be repaid in full within 60 days are not offered.
Three steps, and the only one you do yourself takes a minute.
Share your monthly EMI total and mobile number above.
1 minuteAn expert matches your profile to the lenders most likely to approve at the lowest rate.
Within 24 hoursThe new loan clears your old dues. From next month you pay a single, smaller amount.
Disbursal in 1–5 daysIllustrative outcomes based on typical customer profiles. Names changed for privacy. Individual results depend on the rate and tenure your lender approves.
"Two credit cards at 40% were eating my salary. One HDFC loan at 11.5% and I breathe again."
"Three EMIs on three dates every month. Now it's one auto‑debit and ₹9,000 less."
"Got a ₹2 lakh top‑up with the consolidation. Emergency covered without a new loan."
No. Wishfin uses a soft enquiry to prepare your plan, which is not visible to lenders and does not affect your score. A hard enquiry happens only when you choose to apply with a specific lender. Consolidating usually improves it over time, because your credit card utilisation drops and you show steady payments on one loan.
Most customers cut their total monthly EMI by 15–30%. The bigger the share of credit card debt you're carrying, the bigger the drop, because you're moving from 36–42% interest to 10–14%.
PAN, Aadhaar, your last three months' salary slips (or ITR if self‑employed) and bank statements. Most partner banks verify these digitally, so there's no paperwork to courier.
Yes. Kotak, HDFC, ICICI and Bajaj Finance among others offer a top‑up on the new loan, and some add an overdraft line where you pay interest only on what you draw.
No. The comparison and expert call are free. Wishfin earns a referral fee from the partner lender. You pay the lender's processing fee and applicable GST, which are disclosed in the sanction letter before you sign anything.
The lender charges a late payment fee and penal interest as per its schedule, and the missed payment is reported to credit bureaus, which can lower your CIBIL score. Borrow only what you can comfortably repay.
On ₹5 lakh of card debt at 42%, a loan at 11% could save roughly ₹8,700 a month in EMI. Get your free, no‑obligation plan.
Get my savings planAbout Wishfin. Wishfin is a brand of Mywish Marketplaces Pvt. Ltd., a Finwizz group company. Wishfin is an online loan marketplace and lead‑generation platform. We are not a bank or NBFC and do not lend money, set interest rates or make credit decisions. All loans are provided by RBI‑regulated banks and NBFCs, each of whom will share their own Key Fact Statement, terms and conditions before you accept any offer.
Rates and terms. Interest rates from 9.97% to 24% p.a.; maximum APR including fees 26.5% p.a.; repayment period 12 to 72 months. Rates shown are indicative starting rates and are subject to change by the lender without notice. Savings figures on this page are illustrative and assume a credit card interest rate of 42% p.a.; your actual savings depend on your current rates, the rate and tenure approved and any fees charged.