One EMI. Multiple liabilities.
Sorted.
We review all your running loans, ODs and card balances together and find the lowest combined EMI path — with honest math, no hidden agenda.
- 15+ lenders compared
- Full math shown upfront
- No push to switch if math fails
- Privacy safe review
Lenders we work with
Typical EMI review
Salaried borrower · 4 running liabilities
Current EMI burden
* Based on a representative profile. Actual outcome depends on your file.
How we look at your situation
We review the full picture — not just one loan.
Most people focus on the rate of a new loan. We focus on your complete monthly outflow — all EMIs together — and find the single best path to reduce it.
When the math works we help you switch. When it doesn't, we tell you clearly and explain why — instead of pushing a product that doesn't help you.
Start my reviewThe review process
Four steps from enquiry to a clear consolidation plan.
Share your liability list
Outstanding balance, current EMI, rate and lender for each loan or card.
We run the math
We calculate the real cost path — including closure charges and processing fees.
You see the full picture
One or more consolidation routes presented with honest monthly and total cost comparison.
You decide, we execute
If the numbers work for you, we handle the entire switch. If they don't, we tell you clearly.
Every debt restructuring route under one roof
We don't just sell a new loan. We find the right structure for your specific liability mix.
Debt Consolidation & Balance Transfer
Multiple running loans merged into one lower EMI. We review every current liability, map the cheapest consolidation path and handle the entire switch end to end.
Credit Card to Loan Cleanup
Revolving credit card balances rolling at 36–42% p.a. converted into a fixed personal loan at 10–18%. Monthly savings are often immediate and significant.
Personal Loan Re-pricing
Old personal loans taken at high rates refinanced to current competitive rates. We check closure costs vs savings so you only switch when it genuinely helps.
Business Liability Restructure
Business OD, term loans and CC limits reviewed together. We find the right structure — consolidation, re-pricing or tenure extension — to reduce monthly pressure.
Home Loan Balance Transfer
Home loans taken 3+ years ago at older rates moved to current lenders at better pricing. We check break-even carefully so the switch only happens when it's worth it.
Property-backed Consolidation
High-cost unsecured debt stack replaced with a single lower-rate LAP where property is available. Dramatically reduces total interest burden on large debt pools.
Not sure which route fits your situation? We'll map it for you — no commitment needed.
Map my best optionHow we actually run the review
Our approach is different because we look at cost, not just rate — and we're honest when the numbers don't justify a switch.
Everything on one sheet
Your personal loans, home loan, OD, and card balances all reviewed together — not in isolation. The full picture usually looks very different from any single liability.
EMI-first, not rate-first
We care about your monthly outflow, not just the headline rate. A lower rate with mismatched tenure can actually hurt your cash flow.
Closure fee and cost of switching both counted
Foreclosure penalties and processing fees are part of the math before we recommend any route. You see the real breakeven, not a rosy picture.
First clarity within 24 hours
Share your liability details and we give you an initial picture of whether consolidation makes sense for your case — quickly, without dragging you into a long process.
Honest no-go advice
If the math shows switching won't help, we say so clearly. We don't push a product that doesn't work just to earn a referral.
Multiple routes compared side by side
Personal loan consolidation, balance transfer, LAP, OD restructure — we map all viable paths for your profile and let the numbers decide.
Questions we answer before recommending any switch
- Is the new blended rate actually lower, including fees?
- Does tenure change affect your total interest paid?
- Does the monthly saving justify the switching cost?
- Are there any pre-closure penalties that change the math?
How we turn complexity into clarity
1 plan
One consolidated repayment path, not multiple juggling acts
2 cost layers
Existing cost and switching cost both evaluated before any recommendation
3 levers
Rate, tenure and structure — all three reviewed together
4 debt buckets
Personal loans, credit cards, OD, and home/LAP reviewed on one sheet
6+ checkpoints
Before we present any option, it clears at least 6 cost-benefit tests
0 pressure
No push to switch if the math does not show a clear benefit to you
What a successful review typically delivers
Monthly breathing room
Lower combined EMI so your salary goes further each month
Cleaner repayment map
One due date, one lender, one clear end date instead of many overlapping
Controlled switching cost
You know exactly what the move costs before committing to anything
Real Borrowers. Real EMI Relief.
Rajesh Kapoor
IT Manager
“I had 3 personal loans and 2 credit cards active simultaneously — total EMI was ₹91,000/month. Fix Your Finance reviewed everything in one go, showed me exactly where I was overpaying, and consolidated into a single loan. Now I pay ₹58,500. Breathing room of ₹32,500 every month. No pushy calls, just clear math.”
The questions people ask before getting started
See How Much You Can Save.
Share your current loan details. We run the full math — free, no commitment, no pressure to switch.
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+91 98765 43210
Mon–Sat, 9AM–7PM IST
Email Us
hello@fixyourfinance.in
Reply within 24 hours
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Mumbai | Delhi | Bengaluru | Hyderabad
15+ cities across India
- Full math shared — no jargon, no surprises
- Honest no-go if switching doesn't save enough
- 100% free review — we earn from lenders, not you
- Your data is never sold or shared