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    Credit Card Consolidation

    Best Personal Loan for Credit Card Debt: 2026 Comparison

    Looking for the best personal loan to clear your credit card debt? We've compared all major banks and NBFCs to bring you the top options. Find the perfect match for your profile.

    Danish MirzaFounder, Unyfy14 years in Indian banking and fintech

    Top 5 Personal Loans for Credit Card Debt

    Best options based on rates and features:

    • 1. IDFC First Bank: 10.49%, zero foreclosure charges
    • 2. Axis Bank: 10.49%, fully digital process
    • 3. HDFC Bank: 10.50%, top-up available
    • 4. ICICI Bank: 10.75%, same-day approval
    • 5. Kotak Mahindra: 10.99%, paperless

    What to Look For

    Key factors when choosing:

    • Interest rate (lower is better)
    • Processing fee (should be <2%)
    • Foreclosure charges (prefer zero or low)
    • Part-payment options
    • Quick disbursement for debt payoff

    CIBIL Score Impact

    Your score affects available rates:

    • 750+: Get rates from 9.97%
    • 700-749: Rates from 11-13%
    • 650-699: Rates from 14-16%
    • Below 650: NBFC options at 18-24%

    Apply through Unyfy to compare offers from all these banks and find your best match.

    Debt Consolidation

    Personal Loan vs Credit Card: Consolidate Your Debts

    Use a low interest personal loan to pay off high-interest credit card debt. Compare personal loan vs credit card interest rates and save up to 70% on interest payments.

    The Credit Card Trap

    Why minimum payments keep you stuck

    Credit Card Interest Rate36-48% p.a.

    Compounding monthly on unpaid balance

    • !
      Minimum payment trap: 90% goes towards interest, not principal
    • !
      Indefinite closure: Your debt never ends at this pace
    • !
      Multiple EMIs: Managing several cards and loans is stressful

    The Unyfy Solution

    One loan, one EMI, clear closure date

    Personal Loan Interest Rate10-14% p.a.

    Fixed EMI, reducing balance method

    • Save up to 70% on interest payments
    • Fixed closure date: Become debt-free in 12-60 months
    • One easy EMI: All debts merged into single payment

    Interest Rate Comparison

    Credit Card (Minimum Payment)36-48% ROI
    Indefinite Closure
    Switch to
    Personal Loan (via Unyfy)10-14% ROI
    Fixed Term

    Stop paying indefinitely. Get a clear path to being debt-free.

    Free consultation • No obligation • Instant eligibility check

    Related topics

    Credit Card Consolidation

    Best Personal Loan for Credit Card Debt: 2026 Comparison

    Read
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