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Loan consolidation combines multiple existing loans into one single loan with a lower interest rate and a longer tenure. This usually results in a lower monthly EMI, simpler repayment, and better cash flow management. Through KreditFin, you can evaluate options from multiple lenders and choose the plan that gives you the maximum EMI reduction with minimal cost.
Yes. You can consolidate personal loans, credit card dues, and other unsecured loans into a single personal loan or a secured loan (like Loan Against Property). KreditFin helps structure this so that you pay one manageable EMI instead of multiple payments, reducing stress and improving repayment discipline.
Most lenders prefer a CIBIL score of 700+ for the best rates. However, even if your score is lower, KreditFin can still help you explore special programs, co-applicant options, or secured alternatives to improve approval chances.
In many cases, you can receive in-principle approval within hours and disbursal in 24–72 hours, subject to document verification and lender policy. KreditFin streamlines the process so you avoid back-and-forth with multiple banks.
An overdraft is a flexible credit line linked to your bank account, FD, or salary account. You pay interest only on the amount you use. A personal loan is a fixed amount with a fixed EMI. Overdraft works best for short-term or recurring cash needs, while personal loans suit planned expenses.
Most salaried professionals with a regular income can get a salary account overdraft, while anyone with a fixed deposit can typically get an FD-backed overdraft. KreditFin can help you compare limits, interest rates, and charges before you choose.
Loan Against Property (LAP) is a secured loan where you mortgage your residential or commercial property. You can usually borrow up to 50–75% of the property’s market value, depending on lender norms. KreditFin helps you secure higher limits at competitive rates with longer tenures.
Yes. Self-employed professionals and business owners are eligible for both LAP and loan consolidation, provided they can show stable income through financial statements, ITR, and bank records. KreditFin specializes in structuring applications for self-employed borrowers to maximize approval probability
