One repayment date
Reduce the effort of tracking several eligible EMI and card payment dates.
One manageable repayment
Convert multiple EMIs into one structured repayment plan
Share your current loan and credit-card obligations for an indicative consolidation review. Urban FinCorp helps you assess repayment comfort, documentation and suitable lender possibilities.
One consolidated EMIRepayment
Profile-based reviewAssessment
Documentation guidanceSupport
Delhi NCR and onlineService area
No guaranteed approval, rate or savings. Final terms are decided by the lender.
Free profile review
Check Consolidation Options
Transparent comparison
Simplify multiple repayments with informed guidance
Debt consolidation may combine eligible personal loans and credit-card dues into a single facility, subject to lender assessment and your repayment profile.
Indicative illustration
Debt Consolidation Savings Calculator
Illustrative new EMI₹0
Current EMI ₹0Monthly difference ₹0Difference % 0%Total consolidated amount ₹0
Request a detailed reviewPractical guidance
Features and benefits
Repayment visibility
Review the indicative EMI, tenure and total interest before proceeding.
Credit discipline
A structured plan can make regular repayment easier, but it does not automatically improve a credit score.
Assisted comparison
Understand rates, fees, foreclosure conditions and documentation across suitable lenders.
Simple assisted journey
How it works
Share basic details
Tell us about outstanding loans, card dues, income and current EMI burden.
Profile review
A consultant reviews eligibility indicators and important information gaps.
Compare possibilities
Where suitable, indicative lender possibilities and repayment structures are discussed.
Proceed with consent
Apply only after understanding charges, tenure and lender conditions.
Indicative criteria
Who may be eligible?
- More than one active loan or credit-card outstanding
- Current EMI burden is difficult to track or manage
- Stable and documentable income
- Repayment history and credit profile acceptable to the lender
- Willingness to close or transfer eligible existing facilities
What is a debt consolidation loan?
Debt consolidation is a financing approach in which eligible existing debts may be combined into one loan and one repayment schedule. It can improve repayment visibility, but a lower EMI may come from a longer tenure and can increase total interest paid.
When should you consider consolidation?
Consider a review when multiple due dates, high-cost credit-card balances or several unsecured loans are affecting monthly cash flow. Compare the annual percentage rate, processing fee, foreclosure charges and total repayment—not only the headline EMI.
Important checks before proceeding
- Request a foreclosure statement from each existing lender.
- Check pre-closure, transfer and processing charges.
- Compare total interest over the complete tenure.
- Avoid taking fresh debt after consolidation unless it is necessary and affordable.
Common questions
Frequently Asked Questions
Can multiple personal loans and credit-card dues be consolidated together?
Potentially, yes. Eligibility depends on the type of outstanding debt, repayment history, income and the selected lender policy.
Does debt consolidation guarantee a lower EMI?
No. A lower EMI may depend on the approved rate and tenure. A longer tenure can reduce EMI but increase total interest.
Will consolidation automatically improve my credit score?
No. Credit-score movement depends on repayment behaviour, utilisation, enquiries and several other factors. No score improvement is guaranteed.
Important disclosure
Calculator outputs are indicative illustrations only. Debt consolidation, interest rates, fees, tenure, credit-score impact and approval depend on the applicant profile and the respective lender. Urban FinCorp is an independent loan consultant and not a lender.