Credit Card Consolidation

    Credit Card Debt Consolidation: One Loan, One EMI, Lower Interest

    Credit cards charge up to 42% APR on outstanding balances. If you're struggling with multiple credit card payments, consolidating them into a single personal loan at 10-12% can save you lakhs and help you become debt-free faster.

    Danish MirzaFounder, Unyfy14 years in Indian banking and fintech

    Why Consolidate Credit Card Debt?

    Credit card interest compounds monthly, making it nearly impossible to pay off.

    • Credit cards: 36-42% APR vs Personal Loan: 10-14%
    • Single EMI instead of multiple payments
    • Fixed repayment date - no more minimums
    • Clear debt-free timeline

    Credit Card Consolidation Calculator

    See how much you can save by consolidating your credit card debt.

    • ₹1 Lakh CC debt at 42% = ₹42,000/year interest
    • Same amount at 12% personal loan = ₹12,000/year
    • Annual savings: ₹30,000
    • 5-year savings: ₹1.5 Lakhs

    How Credit Card Consolidation Works

    Simple process to consolidate your credit card debt.

    • List all your credit card outstanding amounts
    • Apply for personal loan covering total debt
    • Get approval at lower interest rate
    • Pay off all credit cards immediately
    • Repay single EMI monthly

    Break free from the credit card trap. Consolidate your debt through Unyfy at rates starting 10%.

    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

    Our Partners

    Partnered with India's Leading Banks & NBFCs

    We work with the most trusted financial institutions to bring you the best loan offers.

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    50,000+

    Happy Customers

    ₹500 Cr+

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