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ENTER your credit card outstandingSWITCH to a new personal loanSAVE big

Loan options personalised by AI for your needs from our lending partners.

◎Zero Fees
✔Loans from Trusted Banks
₹Personalised loan service
Happy couple choosing better loan option

Savings Calculator

How much is your credit card bill?

Bill Amount
₹1,00,000

Payoff Time

12 months

Interest Savings

₹18,264

Benefits of switching

To a lower interest loan

Reduce your monthly payment stress

Reduce your monthly
payment stress

Save money

Save money

Increase your savings

Increase your savings

Why choose Unlend?

3 unmatched advantages that will change your life.

No more haggling with unprofessional agents

Curated EMI and tenure as per your convenience

Our AI gives you unbiased bank selection

Our AI gives you unbiased bank selection

Giving you the power

To live your best life

Anika Sharma

“I bought myself a new laptop. From the interest savings.”

— Anika Sharma

Anand Shirodkar

“I bought front row tickets for a music concert. From the interest savings.”

— Anand Shirodkar

Rita Bhupal

“I paid for an extra night on my holiday. From the interest savings.”

— Rita Bhupal

minimum amount due

Credit card trap

explained.

28-45%

Interest per year

what your bank charges you
when you pay only the
minimum due

12-18%

Interest per year

What our partner banks
charge you to ClearOff
your entire credit card

SAVE

₹ 31,200 this year

On a credit card
outstanding of
Rs.1,00,000

THE CLEAROFF LOAN

Pay off credit
card outstanding
completely

  • Paying minimum due on your credit card means paying huge interest
  • EMI & tenure structured so you payoff credit card outstanding completely
  • With our lower interest personal loans starting @ just 12% interest*
Happy borrower

*based on your credit score

The smartest way to

reduce interest and increase savings.

Step image

Enter your
mobile number

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Access top bank offers
handpicked by our AI

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Accept the offer
of your choice

AI Powered

The Unlend loan experience

so simple. you'll enjoy it.

Our AI reads your credit score, compares banks and finds your best loan — instantly

Our AI makes fairer, faster decisions — no agent bias, no waiting time.

100% secure. 100% digital. At your fingertips

Unlend's smart help companion

Now, our AI will help you at every step.

It doesn’t just answer — it fixes your problems for you.

More than support — our AI guides you every step, making everything simple.

Our AI support is available 24/7.

“I was unknowingly paying 38% interest on my credit card. Unlend helped me fix it instantly and the savings paid for my online course. I’ve never felt more relieved or confident about my finances.”

Radha Suman

Unlend Member

Radha Suman - Unlend Testimonial

Quick answers to great questions

Unlend refinances high-interest credit card debt into bank loans with lower interest.

Top Indian banks & NBFCs we partner with.

Typically within minutes using AI-backed checks.

Up to 40% interest savings depending on your profile.

Banks transfer directly to your credit card account.

Still curious?

Chat with our team

About us

Unlend is a Mumbai-based digital fintech platform built to help Indians take control of their loans and stop overpaying on interest. Founded by Harvard, IIT-B and UC Berkeley alumni. Unlend was created after experiencing the everyday frustrations borrowers face — high interest rates, confusing loan terms, and endless calls from direct selling agents.