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    Debt Consolidation

    Loan Consolidation in India: When It Actually Saves Money

    Managing multiple loans with different EMI dates and high interest rates? Unyfy's loan consolidation service helps you merge all your existing debts into a single loan at a rate set by your profile. As a loan aggregator, we connect you with multiple lenders to put the consolidation offers you qualify for next to what you are paying today, so you can see whether moving is worth the processing fee.

    What Does Loan Consolidation Do?

    Loan consolidation combines multiple debts – credit cards, personal loans, EMIs – into a single loan with one EMI payment at a lower interest rate.

    • Merge 3-10 different loans into one simple EMI
    • Replace high-rate unsecured debt with a single lower-rate loan
    • Single EMI date – no more tracking multiple payments
    • A lower total monthly outgo where the blended rate falls
    • Utilisation falls once card balances are cleared, though a new account and a hard enquiry dip the score first

    Benefits of Loan Consolidation via Aggregator

    Using Unyfy's aggregator platform for loan consolidation gives you access to offers from several lenders side by side.

    • Compare consolidation offers from 20+ banks and NBFCs
    • Get a rate set by your profile, lower than most individual loans
    • Single application process for multiple lender quotes
    • Expert analysis to recommend the best consolidation strategy
    • End-to-end support from application to disbursement

    Loan Consolidation at 9.99% – Who Qualifies?

    To get the best consolidation rate of 9.99%, certain criteria help you qualify.

    • Combined outstanding loans between ₹3 Lakhs to ₹50 Lakhs
    • CIBIL score of 700+ (650+ may qualify at higher rates)
    • Stable income with 1+ year in current employment
    • Good repayment history on existing loans
    • No current defaults or active legal cases

    How Loan Consolidation Helps You Save

    See real examples of savings through loan consolidation at 9.99%.

    • Credit card debt at 36% → Pay materially less interest
    • Multiple personal loans at 18% → Pay materially less interest
    • Consumer durable loans cannot be consolidated - they stay where they are
    • What you save depends on your blended rate today, the balance outstanding and the remaining tenure
    • Faster debt freedom with more principal repayment each month

    Stop juggling multiple EMIs at high interest rates. Consolidate all your loans at 9.99% through Unyfy and simplify your financial life. Apply now for a free consolidation analysis!

    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

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