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Route 2 · Many loans, one EMI

Too many EMIs? Make it one — and stop missing dates.

When you're juggling personal loans, app loans and credit cards, one missed date is all it takes to dent your CIBIL. We connect you with a partner lender who pays off your existing debts, so you repay a single loan, on a single date — with a top-up if you qualify and genuinely need it.

Talk to a counsellor

Partner banks & NBFCsWe compare offers for you

Before and after

An illustration of how consolidation changes your month.

Before	Due date	After
Personal loan	5th	One consolidation loan One EMI on the date you choose. Old accounts closed and reported "Closed".
Credit card 1 (near limit)	12th
App loan	18th
BNPL dues	25th

Illustrative. Your new rate, tenure and EMI depend on the lender's assessment of your profile.

How it helps your CIBIL

Consolidation works on the two factors that weigh most: paying on time and how much credit you're using.

One date to rememberFewer EMIs means fewer chances to slip — and payment history is the biggest part of your score.

Cards back near zeroPaying off maxed-out cards drops your utilisation, which lenders watch closely.

Small loans closed cleanlyEach old account is paid in full and reported "Closed".

Expect a small dip at firstThe new loan application is a hard enquiry. It fades quickly if you pay the new EMI on time.

Consolidation + top-up

If your profile allows, the new loan can be slightly larger than what you're paying off. Use it wisely.

Makes sense

When a top-up helps

You have a real, one-time need — a medical bill, an education fee, a deposit — and the combined EMI stays comfortably within your income. Borrowing it as part of one structured loan usually costs less than a new card balance or app loan.

Avoid

When it doesn't

The top-up would fund day-to-day spending, or push your total EMIs past roughly half your take-home pay. More debt on the same income is how the cycle starts again. Your counsellor will tell you if we think you should skip it.

Is it right for you?

Good fit3 or more loans or cards, steady income, and mostly on-time payments so far.

Good fitYour card balances are high and costing you heavy interest every month.

Not the right routeSeveral EMIs are already 90+ days overdue. Start with Settlement & Foreclosure instead.

Not the right routeYour income is irregular right now. A new loan may add pressure; talk to a counsellor first.

How it works

Share your loans

Create your account. We read your CIBIL to list every loan and card.

We find the offer

We match you with partner lenders and compare rate, tenure, fees and EMI.

Old debts paid off

The new lender pays off your existing loans directly, or you do it with the disbursal.

One EMI from here

We check your report until every old account shows "Closed".

Questions

Does Relive give me the consolidation loan?

No. The loan comes from one of our partner banks or NBFCs, subject to their credit checks. We help you find the best offer and manage the switch.

Will my EMI definitely go down?

Not always. It depends on the rate you qualify for and the tenure you choose. A longer tenure lowers the EMI but can raise total interest. We show you both numbers before you decide.

Can I consolidate credit card dues?

Yes. Credit card balances are often the most expensive debt you have, so they're usually the first thing to clear.

What if I've already missed EMIs?

A few recent misses can still work. If accounts are seriously overdue, lenders are unlikely to approve a new loan, and closing those accounts first is the better path.

Consolidation

One EMI could be one month away.

Create a free account to see your loans in one place and the consolidation offers you may qualify for. 1800-XXX-XXXX