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

🎯 Stop juggling 4-5 different loans! Experience our seamless, 100% digital process to convert all your EMIs into ONE manageable payment. Merge credit cards, app loans, payday loans, personal loans into a single EMI. Save 30-50% monthly with our hassle-free debt consolidation service. Instant approval in 24 hours. Join 10,000+ customers who got debt-free with our seamless experience!

Get Instant Relief - Apply Now Calculate Your Savings How It Works
10,000+ Happy Customers No Upfront Fees 24/7 Support Expert Advisors

Hassle-Free Debt Consolidation - Convert All EMIs Into One Seamless Payment

💳 Multiple EMIs eating your salary? Experience our seamless debt consolidation process! Convert all your debts - credit cards, app loans, payday loans, personal loans - into ONE easy payment. Our 100% digital, hassle-free process reduces your monthly burden by 40-50%. Get instant approval and start saving today with our seamless experience!

Start Seamless Process See Savings Calculator
Save 40-50% Monthly One Simple Payment Seamless Experience 24-Hour Approval

Seamlessly Merge All Your Loans - Even With Low Credit Score!

🔥 Stuck in app loans? Credit card overdue? Low credit score? No problem! Our seamless debt consolidation service helps you convert ALL EMIs into ONE manageable payment - regardless of your credit profile. Expert advisors guide you through our hassle-free process. Get instant approval and merge all your loans seamlessly in 24 hours!

Get Instant Help Now Learn More
All Credit Profiles Direct Lender Tie-Ups Seamless Process 98% Success Rate

Get Started Today

Choose how you'd like to begin your financial transformation

Free Consultation Call Calculate Your EMI View Loan Products
No upfront fees • 24/7 support
ADVANCECRED FINTECH SOLUTIONS PVT LTD

Your Trusted Partner in Financial Freedom

ADVANCECRED is a registered private limited financial services company dedicated to helping salaried professionals escape the burden of multiple loans and high-interest debt. We don't just consolidate loans—we transform lives.

Why Choose ADVANCECRED?
Registered & Trusted

As a private limited company, we're legally registered, fully compliant, and bound by corporate governance. Your trust and data security are our top priorities.

10,000+ Lives Transformed

We've helped over 10,000 professionals reduce their EMI burden by an average of 55%, saving ₹10,000-₹30,000 monthly. Real people, real results, real financial freedom.

Same-Day Approval

No lengthy waiting periods. Salaried professionals earning ₹25,000+ receive approval within 4-6 hours. Start your debt-free journey today, not tomorrow.

Profession-Specific Solutions

Customized rates for IT, Government, MNC, and BFSI professionals. Access to 25+ lender networks ensures you get the absolute best deal available.

₹500 Cr+
Debt Consolidated
4.9/5
Customer Rating
55%
Avg EMI Reduction
Learn More About Us Get Free Consultation
Watch how ADVANCECRED transforms financial lives

Explore Our Loan Solutions

Comprehensive financial solutions tailored to your needs

Debt Consolidation

Merge all your EMIs into one manageable payment with lower interest rates

  • Save up to 40%
  • Single EMI payment
  • Better credit score
Learn More

Instant Personal Loan

Quick approval personal loans with competitive interest rates and flexible tenure

  • 24-hour approval
  • Up to ₹50 Lakh
  • Minimal paperwork
Apply Now

Business Loan

Fuel your business growth with instant business loan approval for SMEs and startups

  • Up to ₹5 Crore
  • Flexible repayment
  • Quick disbursal
Get Started

NRI Loan

Exclusive loan solutions for Non-Resident Indians with hassle-free processing

  • Special NRI rates
  • Online processing
  • Global support
Contact Us

Debt Consolidation

Merge all your EMIs into one manageable payment with lower interest rates

  • Save up to 40%
  • Single EMI payment
  • Better credit score
Learn More

Instant Personal Loan

Quick approval personal loans with competitive interest rates and flexible tenure

  • 24-hour approval
  • Up to ₹50 Lakh
  • Minimal paperwork
Apply Now

Business Loan

Fuel your business growth with instant business loan approval for SMEs and startups

  • Up to ₹5 Crore
  • Flexible repayment
  • Quick disbursal
Get Started

NRI Loan

Exclusive loan solutions for Non-Resident Indians with hassle-free processing

  • Special NRI rates
  • Online processing
  • Global support
Contact Us

Loan Solutions for Every Need

Professional financial services designed for your success

Personal Loan for Debt Consolidation

Get instant personal loan approval to merge all your EMIs into one manageable payment. Perfect for debt consolidation India services, stuck in multiple EMIs relief, and app loan consolidation.

  • Interest Rate: 10.99% - 15% p.a.
  • Loan Amount: ₹50,000 - ₹50 Lakh
  • Tenure: Up to 7 years
  • 24-hour approval guarantee
Apply Now

Payday Loan Consolidation

Break free from high-interest payday loans! Consolidate multiple payday loans and app loans into one personal loan with lower interest rates and manageable monthly payments.

  • Escape payday loan cycle
  • Reduce interest by 50-70%
  • Single monthly payment
  • Improve credit score
Learn More

Instant Business Loan for SMEs

Get instant business loan approval for small business, working capital, business expansion, equipment financing, and invoice discounting. Perfect for startups and established SMEs.

  • Interest Rate: 12% - 18% p.a.
  • Loan Amount: ₹1 Lakh - ₹5 Crore
  • Flexible repayment terms
  • Minimal documentation
Apply Now

Multiple EMI Consolidation

Struggling with multiple EMIs? Merge all EMIs from credit cards, personal loans, car loans, and app loans into one single monthly payment. Save money and reduce stress.

  • Consolidate all types of loans
  • Lower monthly payment
  • Single due date
  • Reduce financial stress
Consolidate Now

Consumer Loan Consolidation

Combine all your consumer debts including credit card dues, unsecured loans, and retail financing into one personal loan with better terms and lower interest rates.

  • Credit card debt relief
  • Better interest rates
  • Fixed monthly payment
  • Debt-free in 3-5 years
Get Started

Instant Personal Loan for Salaried

Special instant personal loan for salaried employees with competitive rates, minimal documentation, and same-day disbursal. Perfect for debt consolidation and emergency needs.

  • Pre-approved offers
  • 6-hour disbursal
  • Zero processing fee offers
  • No collateral required
Apply Now

Ready to Consolidate Your Debt?

Join 1,000+ satisfied customers who saved up to 40% on monthly payments

Get Free Consultation Calculate Savings
₹500Cr+
Debt Consolidated
10,000+
Happy Customers
5,000+
Families Debt-Free
40-50%
EMI Savings
24 Hours
Instant Approval
4.9★
Client Rating

Why Choose AdvanceCred to Seamlessly Convert All EMIs Into One?

Experience the Most Seamless, Hassle-Free Debt Consolidation Service in India

100% Seamless Digital Process

Convert all your EMIs into one payment completely online! No branch visits, no paperwork hassles. Our seamless platform lets you apply, get approved, and consolidate debt from anywhere - all through your mobile or laptop in just 24 hours.

Save 40-50% Monthly - Guaranteed

Our seamless debt consolidation service helps you merge all EMIs and save BIG! Average customer saves ₹25,000/month by converting multiple high-interest loans into one low-interest payment. That's ₹3 lakhs saved annually!

All Credit Profiles Welcome

Stuck in app loans with low credit score? No problem! Our seamless consolidation works for everyone. We have special lender partnerships to help even weak credit profiles convert all EMIs into one manageable payment seamlessly.

Instant Approval in 24 Hours

Time is money! Our seamless process gets you instant approval to convert all EMIs into one within 24 hours. Apply today, get approved tomorrow, start saving this week. 10,000+ customers experienced our hassle-free speed!

₹0 Hidden Charges

100% transparent pricing! No processing fees, no hidden charges, no prepayment penalties. Just one simple EMI. Our seamless debt consolidation service believes in honesty - what you see is what you pay!

Expert Guidance Every Step

Never feel alone! Dedicated advisor assigned to you throughout the seamless consolidation journey. From application to disbursal, we guide you to convert all EMIs into one payment with zero stress or confusion.

Start Your Seamless Debt-Free Journey Now

How to Seamlessly Convert All EMIs Into ONE Payment in 3 Simple Steps

Our 100% Digital, Hassle-Free Process Gets You Debt-Free in Just 24-48 Hours

1

Apply Online in 5 Minutes

Simply fill our seamless online form with basic details - Name, phone, current EMI details. No complicated paperwork! Our smart system analyzes your debt and shows instant savings estimate.

⚡ Takes Only 5 Minutes
2

Get Instant Approval in 24 Hours

Our expert calls you within 30 minutes! Free financial assessment. Submit just 3 documents via WhatsApp. Get instant loan approval to convert all EMIs into one payment. Simple, seamless, stress-free!

✅ 24-Hour Approval
3

Start Saving - One EMI Only!

Loan disbursed! We pay off all your old loans seamlessly. You start paying just ONE reduced EMI. Save 40-50% monthly. No more juggling 4-5 EMIs. Pure financial freedom achieved!

💰 Start Saving Immediately

Traditional Debt Consolidation vs Our Seamless Service

See Why 10,000+ Customers Choose Our Hassle-Free Experience

Feature ❌ Traditional Methods ✅ AdvanceCred Seamless
Application Process Visit branches, fill paper forms, wait in queues 100% online from mobile/laptop
Approval Time 5-7 days with multiple follow-ups 24 hours instant approval
Documentation 10-15 documents, physical copies needed Only 3 docs via WhatsApp
Hidden Charges Processing fees, hidden charges, penalties ₹0 hidden charges guaranteed
Credit Score Support Reject low credit scores outright Help all credit profiles seamlessly
Customer Support Generic call center, no dedicated advisor Dedicated expert every step
Savings 20-30% EMI reduction 40-50% guaranteed savings
Overall Experience Stressful & Time-Consuming Seamless, Hassle-Free, Fast!

The Choice is Clear - Choose Seamless, Choose AdvanceCred!

Yes! I Want the Seamless Experience

Instant Personal Loan & Debt Consolidation Services

Transform multiple EMIs into one manageable payment with our expert debt consolidation and instant personal loan services. Merge all EMIs, payday loan consolidation, and app loan solutions.

Debt Consolidation

Transform multiple high-interest EMIs into one manageable payment. Reduce your monthly outflow by up to 55%.

  • Lower interest rates
  • Single monthly payment
  • Improved credit score

Credit Profile Building

Weak credit profile? We help you build a strong financial profile that gets loan approval.

  • Credit score improvement
  • Documentation guidance
  • Loan approval strategies

Personal Financial Advisor

Get a dedicated financial advisor who understands your situation and creates a personalized plan.

  • One-on-one consultation
  • Regular follow-ups
  • Ongoing support

EMI Optimization

Our experts analyze your loan structure and optimize EMIs for maximum savings and better cash flow.

  • Smart loan restructuring
  • Interest rate negotiation
  • Payment schedule optimization

Financial Protection

Secure your financial future with comprehensive protection plans and emergency fund strategies.

  • Emergency fund planning
  • Insurance optimization
  • Risk management

Lender Network

Access to our extensive network of banks and NBFCs for the best loan terms and approval rates.

  • Direct lender access
  • Preferential rates
  • Faster processing

Documentation Support

Complete assistance with loan documentation, ensuring smooth processing and faster approvals.

  • Document preparation
  • Application assistance
  • Follow-up support

Investment Planning

Beyond debt management, we help you build wealth through smart investment strategies.

  • Investment portfolio design
  • Tax-efficient strategies
  • Retirement planning

24/7 Support

Round-the-clock support for all your financial queries and emergency assistance when needed.

  • Instant query resolution
  • Emergency assistance
  • Regular check-ins

Debt Relief Success Stories - Real People, Real Results

See how we've helped thousands of people get relief from multiple EMI burden and transform their financial lives through debt consolidation

"I was drowning in multiple EMIs - ₹45,000 across 5 different loans including app loans and credit cards. AdvanceCred helped me consolidate everything into one manageable payment of ₹28,000. I'm finally breathing easy and saving ₹17,000 every month!"

RS
Rahul Sharma
Mumbai, IT Professional
Saved: ₹17,000/month

"I was stuck in app loan debt with 4 different apps charging 30-40% interest. My monthly payments were ₹35,000. AdvanceCred helped me consolidate all app loans into one personal loan at 15% interest. Now I pay only ₹22,000 and my credit score improved from 650 to 750!"

PK
Priya Kumar
Delhi, Business Owner
Saved: ₹13,000/month

"I had payday loans from 3 different lenders with 25% monthly interest. I was trapped in a cycle of borrowing to pay previous loans. AdvanceCred gave me instant relief by consolidating all payday loans into one personal loan. The team was with me every step and taught me how to manage finances better. Highly recommended!"

AK
Amit Kumar
Bangalore, Consultant
Escaped payday loan cycle

How We Provide Instant Relief from Debt Burden

Simple, transparent process to get relief from multiple EMI burden and transform your financial health

1
Free Assessment

We analyze your current financial situation and identify opportunities for debt consolidation and credit improvement.

2
Personalized Plan

Our certified advisors create a customized strategy to consolidate your debts and improve your credit profile.

3
Implementation

We guide you through the entire process, from application to approval, ensuring the best possible terms.

Emergency Debt Relief - Get Instant Relief from Multiple EMI Burden

Facing loan default? Stuck in app loan debt? Multiple EMIs overwhelming you? We provide immediate solutions for urgent financial crises and debt relief.

Loan Default
Immediate restructuring
Credit Card Debt
Balance transfer solutions
EMI Overdue
Payment restructuring
Bank Notice
Legal assistance
Get Emergency Help Now
⚠️ Urgent Financial Crisis?
  • 24/7 emergency support
  • Same-day loan restructuring
  • Legal protection assistance
  • Direct lender negotiations
  • Credit score damage control
Don't wait! Every day of delay can worsen your financial situation.

Calculate Your Debt Relief

See exactly how much you can save with our debt consolidation services

₹
Total outstanding amount across all loans
₹
Total EMI you're paying currently

₹0

Monthly Savings

Current EMI - New EMI

₹0

New Monthly EMI

13% p.a. for 5 years

₹0

Annual Savings

Monthly savings × 12
Great News! You could save every month with our debt consolidation loan at 13% p.a. for 5 years.
Get Free Assessment

How We Improve Your Credit Score

Transform your credit profile from poor to excellent in 6-12 months

300
Poor Credit

Multiple defaults, high utilization

550
Fair Credit

Some late payments, moderate debt

700
Good Credit

Timely payments, low utilization

750+
Excellent Credit

Perfect payment history, low debt

Our Credit Improvement Strategy

  • Dispute incorrect entries
  • Negotiate payment plans
  • Reduce credit utilization
  • Add positive tradelines
  • Improve payment history
  • Monitor credit reports

Best Loan Products for You

Compare and choose the perfect loan option based on your profile

Debt Consolidation

Convert multiple EMIs into one manageable payment. Get debt consolidation India services to merge all your loans.

Learn More Stuck in EMIs?
Personal Loan

Get personal loan for debt consolidation and other needs. Perfect for multiple EMI consolidation and debt relief.

Learn More Payday Help
EMI Calculator

Calculate your monthly EMI and savings

Calculate Now
Home Loan

Best for property purchase

  • Interest: 8.5% - 9.5%
  • Tenure: Up to 30 years
  • Processing: 0.5%
  • Prepayment: 2% after 1 year
Learn More
Personal Loan

Best for debt consolidation

  • Interest: 10.5% - 15%
  • Tenure: Up to 7 years
  • Processing: 1-2%
  • Quick disbursal: 6-8 hours
Learn More
Business Loan

Best for business expansion

  • Interest: 12% - 18%
  • Tenure: Up to 5 years
  • Processing: 1-3%
  • Collateral: Optional
Learn More

Instant Personal Loan for Debt Consolidation India

Get Approved Within 24 Hours - Merge Multiple EMIs into One

Experience the fastest personal loan approval process in India for debt consolidation. Our streamlined application and instant verification system ensures you get your loan approved and disbursed within 24 hours to merge all EMIs, consolidate payday loans, consumer loan consolidation, and resolve stuck in app loan debt. Our debt consolidation India services help you escape the multiple EMI burden.

Quick Processing
24-hour approval guarantee
Secure Process
Bank-level security
Digital Application
100% online process
Competitive Rates
Starting from 10.99% p.a.
Apply Now Calculate EMI
Terms and conditions apply. Loan approval subject to credit assessment and documentation verification.
Instant Personal Loan Approval

Instant Business Loan for Small & Medium Enterprises

Fuel Your Business Growth with Quick Business Loan Approval

Get instant business loan approval within 24-48 hours for your small business, startup, or enterprise expansion needs. Whether you need working capital, equipment financing, business expansion funds, or debt consolidation for your business, we offer customized business loan solutions starting from ₹1 lakh to ₹5 crore with competitive interest rates from 12% p.a.

Working Capital Loan
Manage daily business expenses
Business Expansion
Scale your operations
Equipment Financing
Purchase machinery & tools
Invoice Discounting
Get instant cash flow
Business Loan Features
  • Loan Amount: ₹1 Lakh to ₹5 Crore
  • Interest Rate: Starting from 12% per annum
  • Tenure: Up to 5 years flexible repayment
  • Collateral: Both secured and unsecured options
  • Processing Time: 24-48 hours instant approval
  • Eligibility: Proprietorship, Partnership, Pvt Ltd, LLP
Apply for Business Loan Calculate Business EMI

Why Choose Our Business Loans?

Fast Approval & Disbursal

Get business loan approved within 24-48 hours with instant disbursal to your account. Perfect for urgent business needs and working capital requirements.

Competitive Interest Rates

Benefit from the lowest business loan interest rates starting at 12% per annum. Save money on interest costs and grow your business profitably.

Minimal Documentation

Simple documentation process with minimal paperwork. Just basic business proof, ITR, bank statements, and identity documents required for quick approval.

Expert Business Advisors

Get personalized guidance from our experienced business loan advisors who understand your industry and financial needs. Custom solutions for every business type.

NRI Services

Invest in India from Abroad

Are you an NRI looking to invest in India? We provide specialized financial services for Non-Resident Indians who want to fund their family's needs or invest in Indian real estate and businesses.

Home Loans for NRIs
Business Funding
Family Support Loans
Investment Advisory
Get NRI Consultation Call Now

Why Choose Our NRI Services?

RBI Compliant
All transactions follow RBI guidelines
Quick Processing
Fast approval within 48-72 hours
Currency Support
Multi-currency loan options
24/7 Support
Global timezone support
Special NRI Benefits:
  • Lower interest rates for NRIs
  • No prepayment charges
  • Flexible repayment options
  • Tax benefits on home loans

Frequently Asked Questions

Most clients save 40-55% on their monthly EMI payments. For example, if you're paying ₹50,000 across multiple loans, consolidation can reduce it to ₹22,500-30,000.

We specialize in helping people with weak credit profiles. Our advisors will guide you through credit improvement strategies and connect you with lenders who consider other factors beyond just credit score.

Yes, our initial financial assessment and consultation are completely free. We only charge fees when we successfully help you get a loan or consolidate your debts.

We provide instant personal loan approval within 24 hours for debt consolidation. Our streamlined process ensures quick disbursal to help you merge multiple EMIs into one payment.

Yes, you can merge all your EMIs including credit cards, personal loans, and payday loans into one consolidated personal loan with a single EMI payment.

Payday loan consolidation combines multiple high-interest payday loans into one personal loan with lower interest rates and manageable monthly payments, helping you escape the payday loan cycle.

Yes, we specialize in helping people stuck in app loan debt. We provide personal loans to consolidate app loans and other high-interest debts into one manageable payment.

We provide instant relief from multiple EMI burden by consolidating all your existing EMIs into one personal loan with lower interest rates. This reduces your monthly payments by up to 55% and gives you breathing room in your budget.

Perfect! We specialize in consolidating multiple loans from different lenders including banks, NBFCs, app loans, and payday loans. We help you merge everything into one personal loan with better terms and a single monthly payment.

We provide instant debt relief with loan approval within 24 hours. Our streamlined process ensures quick disbursal so you can start consolidating your debts and get immediate relief from multiple EMI burden.

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Weekly financial tips and updates
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Get Relief from Multiple EMI Burden - Instant Debt Consolidation Solutions India

Struggling with multiple EMIs draining your income? Get instant relief with our expert debt consolidation services India. Transform your financial burden into manageable payments. Our debt consolidation India solutions help you escape the multiple EMI burden through personal loan for debt consolidation.

Signs You Need Debt Relief

  • Multiple EMIs consuming 60%+ of your income - need debt consolidation India
  • Stuck in app loan debt cycle with high interest rates - need app loans consolidation
  • Credit card overdue payments affecting your credit score
  • Payday loans creating a never-ending debt trap - need payday loan consolidation
  • Unable to save money due to high monthly payments - need consumer loan consolidation

How We Provide Instant Relief

  • Instant personal loan approval within 24 hours
  • Merge all EMIs into one manageable payment
  • Reduce monthly payments by up to 40%
  • Consolidate app loans and payday loans
  • Improve credit score through debt consolidation

Ready to Get Relief from Your Debt Burden?

Join thousands of satisfied customers who have transformed their financial lives with our debt consolidation solutions

Get Instant Relief Now Calculate Your Savings

Personal Loan & Debt Consolidation Solutions

Expert financial services to help you merge multiple EMIs, consolidate payday loans, and resolve app loan debt

Instant Personal Loan

Get instant personal loan approval within 24 hours for debt consolidation. Quick processing and fast disbursal to help you merge multiple EMIs into one payment.

  • 24-hour approval
  • Minimal documentation
  • Competitive interest rates

Merge Multiple EMIs into One

Consolidate all your existing EMIs including credit cards, personal loans, and other debts into one manageable monthly payment. Save up to 55% on monthly outflows.

  • Single EMI payment
  • Lower interest rates
  • Extended repayment tenure

Payday Loan Consolidation

Stuck in the payday loan cycle? We help you consolidate multiple payday loans and app loans into one personal loan with better terms and manageable payments.

  • Break the payday loan cycle
  • Lower interest rates
  • Flexible repayment options

Stuck in App Loan Solutions

Trapped in multiple app loans with high interest rates? Our personal loan solutions help you consolidate app loans and regain financial freedom.

  • Consolidate app loans
  • Reduce monthly payments
  • Improve credit score

Credit Card Debt Consolidation

High credit card interest rates eating your budget? Consolidate credit card debt into a personal loan with lower interest rates and fixed monthly payments.

  • Lower interest rates
  • Fixed monthly payments
  • Debt-free timeline

Weak Credit Profile Solutions

Poor credit score preventing loan approval? We specialize in helping individuals with weak credit profiles get personal loan approval for debt consolidation.

  • Poor credit score accepted
  • Expert guidance
  • Credit improvement plan
Get Free Consultation Calculate Savings

Recent Posts

Stay updated with our latest financial insights and expert guidance

Simplify Your Finances: Merge Multiple EMIs into One with AdvanceCred’s Debt Consolidation Loan
Simplify Your Finances: Merge Multiple EMIs into One with AdvanceCred’s Debt Consolidation Loan

October 15, 2025

Simplify Your Finances: Merge Multiple EMIs into One with AdvanceCred’s Debt Consolidation Loan

Tired of juggling multiple EMIs every month? AdvanceCred helps you merge all your high-interest loans into one easy EMI ...

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How AdvanceCred Helps You Escape Multiple High-Interest EMIs with One Smart, Low-Interest Consolidated Loan
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October 07, 2025

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AdvanceCred empowers individuals burdened with multiple high-interest EMIs by merging them into a single, low-interest m...

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October 03, 2025

Merge Multiple Loans into One Single EMI: Your Complete Guide to Debt Consolidation

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Trusted Financial Partners

We work with India's leading banks and NBFCs to get you the best terms

Axis Bank
HDFC Bank
ICICI Bank
Bajaj Finance
Tata Capital
Yes Bank

Frequently Asked Questions

Get answers to common questions about debt consolidation and personal loans

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 in Mumbai, Bangalore, Pune, and Hyderabad.

Average savings: ₹15,000 - ₹35,000 per month (40-60% EMI reduction). For example: Rajesh, IT Professional from Mumbai - Before: ₹65,000/month (multiple loans), After: ₹37,000/month (single consolidated EMI at 10.99%), Savings: ₹28,000/month = ₹3,36,000 per year! Actual savings depend on your current EMI, interest rates, and loan amounts.

Interest rates at ADVANCECRED range from 10.49% to 14.99% p.a. depending on your profile: IT Professionals: 10.99%, Government Employees: 10.49% (lowest!), Bank Employees: 10.99%, MNC Employees: 11.49%, Private Sector: 12.49-14.99%. This is significantly lower than typical credit card interest (36-42%), personal loan interest (15-24%), or payday loan interest (24-48%).

Same-day approval for salaried employees! Typical timeline: Application submission: 10 minutes → Document verification: 2-3 hours → Approval decision: 4-6 hours → Loan disbursal: 24-48 hours after approval. IT professionals and government employees often get approval within 3-4 hours due to employment stability.

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 at ADVANCECRED! ₹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.

Yes! Credit card debt consolidation is one of our specialties. Convert high-interest credit card debt (36-42%) into a low-interest personal loan (12%). 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.

Short-term: Your credit score may dip slightly (10-20 points) when you apply due to a hard inquiry. Long-term: Your score will IMPROVE significantly (80-120 points in 6-8 months) because you're reducing credit utilization, improving payment history, and closing high-interest revolving credit. 94% of our customers see credit score improvement within 6 months.

Have more questions?

Contact Our Experts