No Collateral Required
Consolidate your debts without pledging assets. Simple, unsecured financing designed for real-life needs.
Less debt to manage. More room to breathe.Simplify your debt. Take back control.
Less debt to manage. More room to breathe.Consolidate your payments into one straightforward plan designed to make managing your finances easier.
4.8★Customer Satisfaction
Built around real financial needs,
designed for a simpler tomorrow.
ABOUT US
Built around real financial needs, designed for a simpler tomorrow.
It started with a simple belief: managing debt shouldn’t feel overwhelming.
We bring clarity to scattered repayments by helping you consolidate your debts into one manageable plan — so you can focus less on juggling payments and more on moving forward.
Why Us
[Why Us]
A Smarter Way To
Manage Your Debt
KreditCall helps you consolidate multiple debts into one simpler repayment plan, making your finances easier to manage.
Predictable Monthly Outflow
Fixed interest rates ensure stable EMIs, helping you plan your finances with confidence.
Flexible Repayment Options
Choose repayment tenures and EMI structures that align with your monthly cash flow.
Add a Co-Applicant Easily
Apply with a co-applicant to unlock better terms and higher approval chances.
Quick Approvals
Get faster decisions with our smart digital process reduce delays and avoid additional penalties on existing dues.
Debt Consolidation
Loan Interest Rates (2026)
Designed to give you control, clarity, and competitive repayment options.
Loan up to 12 months
| Loan Type | Interest |
|---|---|
| Smart Long-Term Plan (SLTP) | 12% per month onwards |
Lower EMIs with extended tenure for better monthly management.
Your exact rate and APR depend on your credit profile, income and existing obligations, and are disclosed in your Key Facts Statement before you accept the loan.
How It Works
[How It Works]
Simplify Your Debt In
5 Easy Steps
01
Understand Your Financial Snapshot
02
Check Your Eligibility Instantly
03
Preview Your New EMI Plan
04
Upload Documents Securely
05
Get Approved & Simplify Payments
Money Matters
Straightforward insights to help you make sense of debt and take control of your finances.
Debt Management
How to Reduce Multiple EMIs Without Hurting Your Budget
Struggling with multiple payments? Learn practical ways to combine and manage your EMIs smarter without financial strain.
Credit score
How Debt Consolidation Impacts Your Credit Score
Understand the short-term and long-term effects of consolidating your debt and how it can improve your financial health.
Industry Insights
Why Indians Are Choosing Digital Lending Platforms
Explore the shift towards faster, paperless lending and what it means for borrowers today.
Consolidate Your Payday Loans With Ease
Combine multiple payday loan repayments into one simpler, more manageable repayment plan.
Eligibility Criteria For Debt Consolidation Loans
Are you eligible for a Debt Consolidation Loan? Check whether you meet the criteria.
Documents Needed
Proof of Identity and Address
Aadhaar card, PAN card, Passport, Voter ID, or Driving License. Both identity and address proof must be valid.
Proof of Income
Latest 3 months' salary slips and Form 16 for salaried individuals. ITR and audited financials for self-employed.
Bank Statements
Last 6 months' bank statements showing salary credits and transaction history for income verification.
Proof of Additional Income
Rental agreements, investment statements, or any other supporting documents if you have additional sources of income.
Disclaimer: All documents must be valid and up-to-date. Digital copies are acceptable for initial review. Original documents may be required for verification.
Eligibility Criteria
Salaried Individuals
Employees working with public or private sector companies with regular monthly income and verifiable employment.
Self-Employed Professionals
Doctors, chartered accountants, architects, lawyers, and other professionals with stable income sources.
Age & Citizenship
Applicants must be between 21-60 years of age and should be Indian citizens or NRIs with valid documentation.
Credit Score Requirement
A minimum credit score of 510 is preferred. Higher scores may qualify for better interest rates and terms.
Minimum Income Requirement
Monthly net income of at least ₹50,000 for salaried employees.
Existing Liabilities
Total EMI obligations should not exceed 70% of monthly income. All existing loans must be disclosed.
A Simpler Financial Future Starts Here.
Consolidate your debts with KreditCall and move from juggling multiple payments to one manageable plan.
- One Payment
- Less Hassle
- Clear Terms
- Personalised Support
Pricing Transparency
| Charge Type | Amount |
|---|---|
| Rate of Interest (ROI) | Up to 39.99% per annum (reducing balance) |
| Processing Fee (PF) | Up to 10% of loan amount + GST |
| APR | Disclosed in your Key Facts Statement (KFS) |
| Foreclosure Charges | 4% of outstanding principal |
*Rates are per annum on a reducing balance. Fees are exclusive of GST. Applicable on fees as per prevailing tax laws.
TestimonialHere's what
people are saying.
“Managing multiple EMIs had become really stressful for me. KreditCall helped me bring everything into one manageable plan. The process was simple and easy to understand.”
Rahul Mehta
“Having several outstanding payments was overwhelming. KreditCall helped me simplify them into one repayment plan.”
Ananya Iyer“I appreciate how secure and professional the experience was. Everything was smooth and easy to understand.”
Priya SharmaGot Questions? We've Got Answers
Everything you need to know before getting started.
What is debt consolidation loan?
A debt consolidation loan combines multiple existing debts into a single loan with one EMI. This makes repayment simpler and often more manageable.
Will checking my eligibility affect my credit score?
Initial checks may use the information you provide. Any bureau enquiry and its impact will be disclosed before you consent.
How long does the approval process take?
The application itself can be completed in minutes when your documents and bank details are ready. Approval and disbursal are not instant: they depend on document verification, credit assessment and your acceptance of the loan agreement, so timelines vary from applicant to applicant.
Can I prepay or close my loan early?
Prepayment terms, if applicable, are shown in your loan agreement and Key Facts Statement.