Interest rate as low as 9.9%

Reduce Your Monthly EMIs Today.

  • One simple EMI for all your loans
  • Interest rate as low as 9.9% p.a.
  • Save up to ₹15,000/month on your EMIs
Reduce My Monthly Bills →
The Debt Trap

Stuck in the EMI cycle? You're not alone.

If any of this feels familiar, you're exactly who we built Credishield for.

Too many EMI dates

Miss one, pay a late fee. Credit score drops.

Minimum due trap

Pay every month. Balance never moves.

Paying sky-high interest

Credit cards & short loans charge 18–42%. Most of your EMI just pays interest.

Debt just shifts around

New loan to close old one. Nothing changes.

You don't have to stay stuck.

See your lower EMI in under 3 minutes — no documents needed upfront.

Check My Savings → Free eligibility check · Results in 60 seconds
Simple Process

Four steps, zero headaches.

From checking your rate to a lower EMI — the whole thing takes about as long as your coffee break.

Interest rate as low as 9.9% Monthly savings up to ₹15,000
01

Share your loans

Tell us about your existing EMIs and outstanding amounts. No paperwork, just a few taps.

02

We find the best lender

We match you across our partner banks and NBFCs to lock in the lowest possible rate.

03

Quick approval

Minimal paperwork. Old loans are closed and replaced with a single new loan — digitally.

04

Lower EMI starts

From day one you pay just one lower EMI. Breathe easier, sleep better, save more.

Savings Calculator

See how much you actually save.

Move the sliders. We'll do the math in real time.

Total loan amount ₹5,00,000
₹1L₹20L
Current interest rate 28%
11%54%
Current EMI
at 28%
₹20,682
New EMI
at 9.9%
₹12,679
You save every month
₹8,003
That's ₹96,035 in a year
Get My 9.9% Rate →
Customer Stories

Real people, real savings.

Over 25,000 Indians have already replaced their stressful EMIs with one simple payment.

★★★★★

"I did not realise I was paying so much extra. Credishield converted my loans to a lower EMI and helped me save ₹11,000 every month — money I can finally put back into my family instead of interest."

Saves ₹11,000/month
RK
Rajesh K.
Software Engineer · Delhi
★★★★★

"The entire process was online. I uploaded my documents on a Tuesday and by Friday my old loans were closed and I had a single new EMI at a much lower rate."

Saves ₹7,800/month
PS
Priya S.
Marketing Manager · Bengaluru
★★★★★

"I was paying a lot and overwhelmed with high EMIs earlier. Credishield cut my monthly outgo by ₹6,200 — one simple EMI, and I'm no longer juggling payments or stressing about due dates."

Saves ₹6,200/month
AM
Arun M.
Small Business Owner · Pune
Get Started

Convert your loans to 9.9%.

Check your eligibility in under two minutes.

  • 100% online, no bank visits
  • Support available in Hindi and English

Check your rate

Takes under two minutes.

+91
Your information is 100% safe. We never share your data.
Got Questions?

Frequently asked questions.

What is debt consolidation?
Debt consolidation combines multiple loans and credit card dues into a single, lower-interest loan. Instead of juggling several EMIs at 18–42%, you pay just one EMI at a much lower rate — typically starting at 9.9% with Credishield.
How much can I save?
Customers typically save ₹5,000–₹15,000 every month on EMIs, depending on current rates and outstanding amounts. Use our Savings Calculator above to see your exact number in seconds.
Is my data safe with Credishield?
Yes. Your information is protected with bank-grade 256-bit encryption and is never shared with third parties without your consent. We are fully compliant with India's data protection standards.
Do I need to visit a bank or office?
No. The entire process is 100% online and paperless. From eligibility check to disbursal, everything happens from your phone or laptop.
What documents do I need?
Just the basics — PAN card, Aadhaar, recent salary slips, and bank statements for the last 3 months. You can upload everything digitally in under 5 minutes.
Save up to ₹15,000/mo
+91