C
CredLinq
Credit card bill or too many EMIs?

Cut the interest. Keep your salary.

Swap costly card dues and scattered EMIs for one personal loan that could cost you less. Get your free savings plan in under 2 minutes.

About 2 minutes · No PAN, Aadhaar or bank statements

CredLinq is free for you. We never charge borrowers. Not a lender.

Stay on the card vs switch to one personal loan
Your card bill: ₹1,00,000over 24 months
Stay on the card
One personal loan
Rate (example)
42% a year
14% a year
Monthly payment
₹6,227
₹4,801
Interest you pay
₹49,455
₹15,231 + ₹2,360 fee & GST
You keep
—
≈ ₹31,800 more

Example only, not an offer. Actual rates depend on the bank or NBFC.

How much is your credit card bill?

Moving ₹1,00,000 from a 42% card to a 14% personal loan over 24 months could save you about ₹31,800.

₹6,227 a month on the card vs ₹4,801 a month on the loan.

Example only, not an offer. Actual rates depend on the bank or NBFC. Assumes the bill is cleared in equal monthly payments over 24 months at 42% a year on the card versus a 14% a year personal loan with a 2% processing fee plus 18% GST, and no new card spending. Nothing you enter here is saved.

See the full breakdown
Ask the CredLinq team

Send an enquiry

Share a few details and a CredLinq team member replies with your own plan: whether consolidating makes sense, a likely EMI range, and whether a bank like HDFC Bank or ICICI Bank, or an NBFC like Bajaj Finance or Tata Capital, suits your profile. Free, no obligation.

  • Free, personal reply from the CredLinq team
  • On WhatsApp or email — only the way you choose
  • No PAN or Aadhaar to start

The bank or NBFC makes every loan decision.

Step 1 of 2: About your loan

About 2 minutes · No PAN, Aadhaar or bank statements

Purpose

One more short step and we'll send your plan.

Your estimate

Updates as you type. Nothing is saved until you submit.

Enter a loan amount to see an estimate.

Estimate at typical published rates (10.5%–21.5% a year; 24 lenders' websites, 22 Oct 2026). Excludes fees. Not an offer — your lender sets the final rate.

Compare loan by loan in the full EMI savings calculator
A man standing calmly while several paper bills with coloured due-date tabs circle around him

Too many EMIs?

One EMI instead of several scattered dates.

Why borrowers come to us
Several tangled colourful cords that come together into one smooth blue cord

One loan. One EMI.

CredLinq is focused entirely on personal loans — especially for people consolidating multiple EMIs or clearing an expensive credit card outstanding.

Debt consolidation

Turn many EMIs into one

Paying four or five EMIs across cards, gadgets and old loans? A single consolidation personal loan can replace them with one EMI, one date and one lender to deal with.

  • One EMI instead of several scattered dates
  • Check whether one loan could cost less than what you pay now
  • Simpler tracking, fewer missed payments
See what you could save
How debt consolidation works
Card outstanding

Close your credit card outstanding

Credit card balances you don't clear in full often carry high interest. A personal loan can cost less if its rate and fees are lower than your card's. We'll help you compare the two before you switch.

  • See what a fixed EMI could cost instead
  • Fixed tenure with a clear end date
  • Frees up your card limit again
How it works for card balances

Start Without PAN or Aadhaar

Just your basics to begin.

A Real Reply, Not a Call Centre

A CredLinq team member reads your enquiry and replies the way you choose.

A Plan in Plain Language

Whether consolidating makes sense, a likely EMI range, and whether a bank or an NBFC suits you.

The CredLinq journey

Four steps. You stay in control the whole way.

Four simple steps from scattered EMIs to one clear plan.

  1. 01
    Basic profile only

    Tell us about yourself

    Basic profile only — name, city, income and loan need.

    P
    NameCityIncomeLoan need
  2. 02

    We build your EMI plan

    A CredLinq team member looks at your EMIs and card dues and sends a plain-language plan on WhatsApp or email.

    Loan needMonthly incomeCity

    Reviewed by the CredLinq team

  3. 03
    You're in control

    You decide what's next

    Go ahead with a lender that fits, like HDFC Bank or Bajaj Finance, or stop — no pressure.

    Continue when you're readyStop at any time
  4. 04
    Private & direct

    Share KYC directly with your chosen bank or NBFC

    Your PAN, Aadhaar, salary slips and bank statements go straight to the lender's secure channel.

    You
    Your device
    Direct to bank
    Chosen bank
    Direct to your bank

Popular banks and NBFCs for personal loans

Not sure which suits you? We'll help you work out the right type of lender before you apply.

Banks

  • Axis Bank
  • HDFC Bank
  • ICICI Bank

NBFCs

  • Aditya Birla Capital
  • Bajaj Finance
  • Tata Capital

Examples only. Checked 25 Oct 2026.

Why CredLinq

Real people. A clear plan. Free.

What you get from CredLinq
  • A free, personal review of your EMIs and card dues
  • A plain-language EMI plan you can act on
  • Guidance on whether a bank like HDFC Bank or ICICI Bank, or an NBFC like Bajaj Finance or Tata Capital, suits your profile
  • Replies on WhatsApp or email — no spam calls
  • Start without PAN or Aadhaar
Privacy Before Paperwork.

We ask only for what we need, and share nothing without your OK.

FAQ

Your questions, answered.

What does CredLinq do for me?
A CredLinq team member reviews your EMIs, card dues and income, tells you plainly whether consolidating makes sense, gives you an estimated EMI range and explains whether a bank like HDFC Bank or ICICI Bank, or an NBFC like Bajaj Finance or Tata Capital, tends to suit profiles like yours. Free, no obligation.
What does it cost?
Nothing. CredLinq is free for borrowers — we never charge you.
What do I need to start?
Just your basics — city, income, loan need and how to reach you. No PAN, Aadhaar or documents.
How will you contact me?
Only the way you choose — WhatsApp, email, SMS or a call. No spam, and nothing goes to a lender without your OK.
Where do my KYC documents go?
Straight to the bank or NBFC you apply to, through its own secure channel. We never see them.
What if I change my mind?
Just tell us. Email priya@credlinq.com or use the withdrawal form in the Privacy Centre and we'll stop.
A credit card stuck to a big snowball that keeps growing as it rolls down a snowy slope

Credit card debt snowballing?

Balances you don't clear in full often carry high interest.

Consent-first

Find out what one EMI could look like for you.

Free plan from the CredLinq team on WhatsApp or email. No PAN, no spam.