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Apply Now100% digital application process and disbursals in as low as 30 minutes
Attractive interest rates starting at just 9.99% per annum
Flexibility to repay anytime with Zero Foreclosure Charges
Amounts
₹5000 ₹1cr
Interest Rates
9.99% 38%
Period
9 months 84 months
You will pay EMI of only,
₹2,124/ Lakh
100% digital application process and disbursals in as low as 30 minutes
Attractive interest rates starting at just 9.99% per annum
Flexibility to repay anytime with Zero Foreclosure Charges
This prudent approach allows you to narrow your focus to just one bank loan, making it easier to manage your finances. Combining multiple debts on to a single loan simplifies repayment, with just one EMI to worry about.
IDFC FIRST Bank allows you to take out a personal loan to pay off existing debts, such as credit card balances, personal loans, or other high-interest obligations. Instead of managing multiple payments with different interest rates and due dates, you consolidate them into one loan with a single monthly payment.
Instant personal loan offers competitive interest rates, starting at just 9.99% per annum, which can be lower than the rates on credit cards or other loans. This can reduce the total interest you pay over time, saving money compared to high-interest debts.
You can choose repayment tenures from 9 to 60 months, allowing you to tailor the loan to fit your budget. Longer terms can lower monthly payments, making them more manageable, though they may increase total interest paid.
Digital Personal Loans offered by IDFC FIRST Bank has no penalties for early repayment, so you can pay off the loan ahead of schedule without extra costs, helping you become debt-free faster if your financial situation improves.
By consolidating debts, you only track one payment, reducing the risk of missed payments and late fees, which can also help improve your credit score over time if payments are made responsibly.
IDFC FIRST Bank processes applications quickly, often approving loans within 30 minutes and disbursing funds instantly if you have a clean credit history and complete documentation. This allows you to pay off existing debts promptly. Check your Personal loan eligibility now!
You can apply for more loans up to your pre-qualified loan offer, without starting the application process from scratch. This gives your greater room to meet your financial needs, as and when you need. Looking for Loans, please refer to our range of EMI Calculators and calculate your monthly EMIs at competitive interest rates.
Applying for an instant debt consolidation loan with IDFC FIRST Bank is straightforward. Here’s a step-by-step guide:
Step 1
Step 2
Step 3
Step 4
Step 5
The debt consolidation loan eligibility criteria at IDFC FIRST Bank can vary based on individual profiles. Generally, you should fulfil the following requirements:
You can also use the personal loan eligibility calculator on the IDFC FIRST Bank website to quickly check your eligibility for a debt consolidation loan.
Simply present your physical PAN card during the video KYC process
No complex paperwork required. It is a 100% digital process all you need is a valid aadhar card number and your physical PAN card during the video KYC process
No complex paperwork required. It is a 100% digital process all you need is a valid aadhar card number and your physical PAN card during the video KYC process
Check out the table below to know the debt consolidation loan interest.
Types of Fees | Applicable Charges |
Debt loan interest rate | Starting 9.99% |
Processing fees | Processing fees of up to 2% will be deducted from the loan amount at the time of disbursal |
Late payment fees | 2% of the unpaid EMI or Rs 300 whichever is higher. The late payment fees might be applicable from the date of default to the date of payment. |
Stamping Charges | As per actuals |
Personal loan EMI calculator
Use the IDFC FIRST Bank personal loan EMI calculator to instantly check your monthly EMI. Simply enter your loan amount, preferred tenure, and applicable interest rate—the calculator will provide your estimated EMI, helping you plan your repayments with ease.
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Make your wedding dreams a reality with our smart personal loan for weddings designed exclusively for those who deserve it the most. Rather than depleting your savings or resorting to high-interest credit cards, a FIRSTmoney smart personal loan allows you to maintain financial stability as you start a new chapter of your life. Here's how our loan can add value to your special day:
Embark on your dream adventures with an online personal loan designed exclusively for elite travellers like you. Whether you're planning a luxurious getaway, an exotic expedition, or a cultural exploration, a FIRSTmoney loan offers the financial freedom to turn your travel aspirations into reality.
With competitive rates and flexible terms, a FIRSTmoney smart personal loan empowers you to book premium accommodations, indulge in once-in-a-lifetime experiences, and create unforgettable memories without compromise. Apply for a travel personal loan seamlessly on an end-to-end digital journey and make Instant bookings without dipping into your savings.
Advantages of a FIRSTmoney smart personal loan for travel expenses:
In times of financial emergencies, FIRSTmoney smart personal loan stands as a beacon of stability and support. Instead of depleting your savings or tapping into your investment accounts, this smart personal loan enables you to preserve your financial reserves for long-term goals. Here's how our emergency loan can be a lifeline during uncertain exigencies:
Renovating your home or any structural upgrades can put a significant financial strain on your savings and personal loan proves to be a reliable solution. Manage and plan your home improvement expenses depending on your needs with FIRSTmoney, our smart, instant personal loan. Apply for a personal loan online and get approved seamlessly.
Get FIRSTmoney Smart Personal Loan of Different Amounts
A debt consolidation loan is a personal loan used to pay off existing debts. It simplifies your payments by consolidating multiple loans into a single monthly payment.
You can apply for a personal loan for debt consolidation through the IDFC FIRST Bank website or mobile banking app simply by scanning the QR code.
Eligibility criteria at IDFC FIRST Bank may differ based on individual profiles. Generally, you need to meet age and income requirements, as mentioned above.
Yes, the loan amount is deposited into your savings account with IDFC FIRST Bank, which you can then use to pay off your other loans.
You can consolidate multiple high-interest debts, such as existing personal loans and credit card balances, into a single loan with IDFC FIRST Bank’s debt consolidation loan.
Applying for a debt consolidation loan may result in a hard inquiry, causing a temporary dip in your credit score. However, consolidating your debts into a single loan can simplify your payments and, if you make timely repayments, you can improve your credit score over time.
The sanctioned loan amount depends on your eligibility criteria and bank policies.
No, IDFC FIRST Bank’s debt consolidation loan is an unsecured loan, meaning you do not need to provide any collateral.