Make Debt Simpler, Smarter, and More Affordable.
Manage debt more efficiently with one simple repayment plan designed around your needs.
EMI Consolidator
App Loan
36% Int.
₹12,400
Credit Card
42% Int.
₹8,500
Personal Loan
18% Int.
₹14,200
Make Debt Simpler, Smarter, and More Affordable.
Manage debt more efficiently with one simple repayment plan designed around your needs.
EMI Consolidator
App Loan
36% Interest
₹12,400
Credit Card
42% Interest
₹8,500
Personal Loan
18% Interest
₹14,200
Three Simple Steps to Debt Freedom
No paperwork, no branch visits. Complete the entire process from your phone.
Tell Us Your Debts
Share your existing EMIs, credit card bills, and loan details in 2 minutes.
We Find Your Best Rate
Our AI matches you with the lowest-rate consolidation loan from 40+ lenders.
One EMI, Total Freedom
Pay one simple monthly payment and save up to 50% on interest.
Savings Calculator
See How Much You Can Save
Personal Loan
High Interest Trap
Outstanding Amount
₹2,80,000
Home Loan Dues
High Interest Trap
Outstanding Amount
₹3,50,000
Credit Card Bill
High Interest Trap
Outstanding Amount
₹1,20,000
Pay off your bill faster in
Save on interest paid up to
Loans We Help You Compare
With CashMela, borrowers always get the best rates. Every suggested action is checked against a rulebook. The banks compete on a transparent marketplace.
Personal Loan Access Funds Instantly
Get instant access to funds for any personal need with our streamlined application process from 40+ leading banks. Set the rules, choose lenders from a competitive marketplace, and track your application in real time.
- Interest rates starting from 10.49% p.a.
- Zero collateral or guarantors required for approval
- 100% paperless digital process and execution paths
- Instant disbursal directly to your bank account
Debt Consolidation Human in command
The Consolidation Room is where borrowers deploy and monitor their financial restructuring. Take back control by combining multiple high-interest EMIs and credit card dues into one single, manageable monthly payment.
- Connect to leading banks to significantly lower your monthly EMI outflow
- Personalize policy settings and merge credit cards effortlessly
- Monitor allocation, yield, and activity to improve your credit score
- Always be on top of your single repayment date
Business Loan Scale your operations
Scale your operations and build a sustainable business with versatile lending partners and flexible business funding. Access an expanding range of capital management capabilities.
- Collateral-free loans tailored for growing MSMEs and startups
- Quick funds for working capital, equipment, and expansion
- Fast approvals based on GST or current bank statements
- Flexible repayment tenures up to 60 months
Overdraft Flexible Credit Line
The missing link between immediate needs and capital. A flexible credit line tailored to your cash flow, allowing you to access funds exactly when your business demands it.
- Interest charged only on the utilized amount, not the limit
- Withdraw funds anytime up to your approved credit limit
- No pre-payment or foreclosure charges applied on closure
- Continuous 24/7 access to emergency operational capital
The financial upgrade
for you is here
Bank-Grade Security
256-bit SSL encryption protects your data. We only share information with RBI-regulated lending institutions with your consent.
Approval in Minutes
No branch visits, no long waits. Get your consolidation approved digitally in minutes.
Dedicated Debt Advisor
A personal financial advisor guides you through your entire consolidation journey.
Potentially Lower Your EMIs
We compare offers from 40+ banks to find you a consolidation loan that can reduce your monthly outflow.
Quick Financial Calculators
Make smart, data-driven financial decisions with our instant planning calculators
Pradeep Kumar
Jyotirbindu Patnaik
Roshan Kadam
Vikram Singh
Having previously analyzed who could be a user of the service, we identified 4 groups of our target audience, in each of which we described the characteristics of the person and how CashMela transformed their financial journey.
Frequently Asked Questions
Everything you need to know about our services
Simply select the type of loan you need, fill out a quick application form, and our team will match you with the best offers from our 40+ lending partners. The entire process is 100% paperless and takes just minutes.
Absolutely. We use bank-grade 256-bit SSL encryption to protect your data. We are RBI-compliant and never share your information with third parties without your consent.
For most personal loans, you need: PAN Card, Aadhaar Card, latest 3 months salary slips (for salaried), bank statements, and address proof. Self-employed individuals may need ITR and business proof.
With our digital-first approach, most loan applications receive in-principle approval within minutes. Final disbursement typically happens within 24-72 hours after document verification.
No! Our eligibility check is a "soft inquiry" that does not impact your credit score. You can check your eligibility multiple times without any negative effect.
Interest rates vary based on loan type, amount, tenure, and your credit profile. Personal loans typically range from 10.5% to 24% p.a., while home loans start from 8.5% p.a. We help you find the lowest rates available.