Loan Consolidation / Loan Merge
Juggling several loans and credit-card dues? Explore whether combining eligible debts into a single loan could simplify repayment and ease monthly pressure.
Subject to eligibility, lender policies, applicable rates and approval.
What is a Loan Consolidation / Loan Merge?
Loan consolidation (also called loan merge or debt consolidation) means combining multiple existing loans and credit-card balances into a single new loan with one EMI. Depending on your profile and the lender's terms, this may simplify repayment and, in some cases, help reduce the total monthly outgo — but outcomes depend entirely on eligibility, rates and tenure. BankEzee helps you assess whether consolidation or a balance transfer makes sense for your situation.
Who is it for?
- People managing multiple personal loans and credit-card EMIs at once
- Borrowers struggling to track several due dates and lenders
- Customers paying high interest on credit-card revolving balances
- Anyone wanting to simplify repayment into a single monthly EMI
Common eligibility factors
- Existing eligible loans / credit-card obligations to be combined
- Income and repayment capacity for the consolidated loan
- Credit profile is assessed by the lender
- Consolidation may be unsecured or secured (e.g. via LAP) depending on amount
Documents usually required
- KYC — PAN, Aadhaar, address proof
- Income proof and bank statements
- Statements of existing loans / credit cards to be consolidated
- For secured consolidation: property documents
How BankEzee helps
BankEzee is a loan advisory and distribution service — not a lender. We help you compare suitable loan consolidation / loan merge options from our partner banks and NBFCs based on your profile, so you apply where you have a realistic fit instead of guessing.
- Understand your profile and eligibility before you apply
- Compare suitable options across multiple partner banks & NBFCs
- Get help preparing documentation and the application
- A dedicated advisor to follow up through the lender's process
How the application process works
Tell Us What You Need
Select your loan type and share basic requirements.
Eligibility Assessment
BankEzee assesses your basic profile and requirements.
Explore Suitable Lenders
Relevant options from partner banks & NBFCs are identified.
Choose an Option
You select the suitable option you prefer to proceed with.
Documentation & Application
We assist with documentation and application submission.
Lender Decision
The bank/NBFC evaluates and makes the final approval decision.
Explore related pages
Frequently Asked Questions
Explore your Loan Consolidation / Loan Merge options
Check your eligibility in under a minute, or talk to a BankEzee loan advisor for personalised guidance.
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