Seamlessly Convert ALL Your EMIs Into ONE Payment - Get Instant Relief!

🎯 Stop juggling multiple EMIs! Experience our seamless debt consolidation service that converts ALL your debts into ONE manageable payment. Merge app loans, payday loans, credit cards, personal loans into a single EMI with our hassle-free, 100% digital process. Save 40-50% monthly, lower interest from 36-48% to 12-18% p.a. Get instant approval in 24 hours with our seamless experience - no hassle, no stress! Perfect for those stuck in multiple EMIs. Join 10,000+ customers who got debt-free with our seamless consolidation solution!

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100% Digital & Seamless | 10,000+ Happy Customers | 24-Hour Approval

Why Choose Our Debt Consolidation Loan?

Transform your financial situation with our expert debt consolidation services

Reduce Monthly Payments

Combine all your EMIs from app loans, payday loans, credit cards, and consumer loans into one personal loan and reduce your monthly payments by up to 55%. Save money every month with better interest rates and longer tenure options. Perfect solution for those drowning in EMI burden.

Credit Card Debt Relief

Get immediate relief from high-interest credit card overdue amounts and minimum payment traps. Consolidate credit card debt into a single personal loan with lower interest rates (typically 10-18% vs 36-48% on cards). Stop the mounting interest and penalties. Ideal for those with multiple credit card EMIs.

Improve Credit Score

Regular payments on your debt consolidation loan will help improve your credit score over time. Build a better financial profile.

Weak Credit Profile Support

Specialized services for individuals with poor credit scores (CIBIL 600-700) or those with multiple loan defaults. We help weak credit profiles get loan approval through our network of NBFCs and specialized lenders. Even if you've been rejected elsewhere, we have solutions for multiple EMI consolidation regardless of credit history.

Balance Transfer Options

Transfer existing loan balances to get better interest rates. Our balance transfer services help you save on interest costs.

Expert Financial Guidance

Get personalized financial advice from our expert advisors. We help you choose the best debt consolidation strategy for your situation.

How Debt Consolidation Works

Simple steps to consolidate your multiple EMIs into one manageable payment

Free Consultation

Get a free assessment of your current debt situation and explore consolidation options.

Loan Application

Apply for a personal loan to consolidate your existing debts with our expert guidance.

Debt Settlement

We help settle your existing loans and credit card dues with the new loan amount.

Single EMI

Pay one manageable EMI instead of multiple payments. Save money and reduce stress.

Comprehensive Debt Consolidation Solutions for Every Debt Type

Expert strategies to tackle all kinds of debt problems and achieve complete financial freedom

Emergency Debt Relief Solution

Facing urgent debt crisis with multiple lenders calling daily? Get instant emergency debt consolidation solution within 24 hours.

  • Immediate relief from harassment and threatening calls
  • Stop penalty charges and late payment fees instantly
  • Consolidate all emergency loans, app loans, and payday loans
  • Get breathing room with extended repayment tenure
  • Professional negotiation with creditors on your behalf

Credit Card Debt Solution

Drowning in credit card debt with 36-48% interest rates? Transform high-interest credit card debt into affordable EMI.

  • Reduce interest from 36-48% to just 12-18% p.a.
  • Clear all credit card overdue amounts at once
  • Improve credit utilization ratio and CIBIL score
  • Fixed EMI instead of minimum payment trap
  • Save thousands on interest with our solution

App Loan & Payday Loan Solution

Trapped in app loan debt cycle with multiple instant loan apps? Break free from high-interest app loan trap.

  • Consolidate all app loans from MoneyTap, EarlySalary, etc.
  • End constant harassment from app loan collectors
  • Convert 60-100% interest to affordable 12-18% p.a.
  • Close all app loan accounts permanently
  • Rebuild financial health with structured repayment

Weak Credit Score Debt Solution

Poor CIBIL score (600-700) making debt consolidation difficult? Specialized solutions for weak credit profiles.

  • Guaranteed debt consolidation even with low CIBIL
  • No collateral required for loan approval
  • Special NBFC tie-ups for weak credit cases
  • Credit rebuilding strategy included free
  • Step-by-step guidance to improve credit score

Our Proven Debt Consolidation Strategy - Get Complete Debt Freedom

Debt Assessment

Free analysis of all your debts, interest rates, and monthly obligations to create personalized solution

Custom Solution Design

Tailored debt consolidation plan based on your income, credit profile, and financial goals

Instant Loan Approval

24-hour approval with competitive rates through our network of banks and NBFCs

Debt Settlement & Closure

We help settle all existing debts and close all high-interest loan accounts

Single EMI Management

One affordable EMI, reduced by up to 55%, with clear path to debt freedom

Financial Recovery

Ongoing support to rebuild credit score and achieve long-term financial health

Up to 55%

Monthly Savings

₹50K - ₹50L

Consolidation Amount

Ready to Get Complete Debt Relief?

Get expert help to convert your multiple EMIs into one manageable personal loan with our proven debt consolidation solution. Free consultation, instant approval, and guaranteed debt freedom.

Start Your Debt Freedom Journey Now

Debt Consolidation FAQs

Everything you need to know about consolidating your debts

Debt consolidation is the process of combining multiple high-interest loans (personal loans, credit cards, payday loans) into one single loan with a lower interest rate. Instead of managing 3-5 different EMIs every month, you pay just one EMI that's 40-60% lower than your current total. ADVANCECRED specializes in debt consolidation for salaried employees across India.

Simple 7-step process: (1) Apply online - 10 min, (2) Get expert call - 30 min, (3) Free assessment - 1 hour, (4) Submit documents - same day, (5) Loan approval - 4-6 hours, (6) Existing loan closure - 24-48 hours, (7) Start new reduced EMI - from next month. Total timeline: 2-3 days for salaried employees.

Yes, if: (1) You're paying high interest rates (18-42%) on multiple loans, (2) Your EMI burden is more than 40% of your salary, (3) You're struggling to manage multiple due dates, (4) You have a stable salaried job. Over 10,000 professionals have saved an average of ₹25,000/month through ADVANCECRED's debt consolidation services.

Debt consolidation combines MULTIPLE loans into ONE new loan. Balance transfer moves ONE existing loan to another lender for a lower rate. If you have 1 personal loan, 2 credit cards, and 1 payday loan (4 different debts), debt consolidation merges all 4 into 1 loan. Balance transfer would only move 1 of those to another bank.

You're eligible if you: (1) Are a salaried employee (private, government, MNC, IT), (2) Have minimum ₹25,000 monthly salary, (3) Are between 23-58 years old, (4) Have at least 1 year work experience, (5) Have a credit score above 650 (700+ for best rates). Government employees and IT professionals have highest approval rates.

Only 3 simple documents: (1) Salary slips (last 3 months), (2) Bank statement (last 6 months), (3) Identity proof (PAN card + Aadhaar card). No physical paperwork needed - you can WhatsApp these documents to us. The entire process is 100% digital.

Absolutely NO hidden charges! ₹0 processing fee, ₹0 application fee, ₹0 prepayment penalty. The only thing you pay is your monthly EMI. We're a registered Private Limited company with transparent pricing. What we quote is what you pay. Period.

Average savings: ₹15,000 - ₹35,000 per month (40-60% EMI reduction). Real example: Rajesh from Mumbai - Before: ₹65,000/month, After: ₹37,000/month, Savings: ₹28,000/month = ₹3,36,000 per year! Actual savings depend on your current EMI, interest rates, and loan amounts.

Short-term: May dip 10-20 points due to hard inquiry. Long-term: Will IMPROVE by 80-120 points in 6-8 months because you're reducing credit utilization, improving payment history, and closing revolving credit. 94% of customers see credit score improvement within 6 months.

Absolutely! Credit card debt consolidation is our specialty. Convert 36-42% credit card interest into 12% personal loan. Example: ₹5 lakh credit card debt at 36% → ₹5 lakh personal loan at 12%. Interest savings: ₹1.2 lakhs per year! We've helped 2,500+ customers escape credit card debt trap.

Ready to reduce your EMI?

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