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Analyze & aggregate
Connect your credit profile or securely enter existing debt amounts.
Multiple EMIs → 1 low-cost EMI · Regulated bank partners
Merge high-cost loans into one easy EMI.
Combine personal loans, credit card dues, payday loans, and consumer loans into one flexible repayment. Indicative rates start from 9.99% p.a. through leading lending partners.
Reduce monthly payout by up to 40%
100% digital verification
Flexible tenure: 12–84 months
No hidden charges from NexaLoan
Regulated bank partner network
60-second check
Find your lower EMI
₹5,00,000
256-bit bank-grade encryption · No impact on CIBIL score
₹250 Cr+
Loans facilitated
45,000+
Borrowers served
4.8 / 5
Customer rating
10
Banking partners
Payday loan relief
Combine your payday loans and settle down — peacefully
Stuck repaying short-term app loans every salary day? Merge your payday loans into one affordable EMI through our lending partners and step out of the rollover cycle.
Total payday loan outstanding₹1,00,000
₹25,000₹10 lakh
Today — the payday stress
The salary-day trap
Payday app loan 1
30-day cycle, repaid from next salary
Payday app loan 2
Rolled over twice, fees stacking each time
Payday app loan 3
New top-up taken to repay the last one
Annualised cost
Often 100%+*
Due dates
Every salary day
Total monthly outflow
₹45,000
After NexaLoan
One calm EMI, settled life
1 consolidation loan at ~11.5% p.a.
One due date, after your salary lands
No rollovers, fees, or penalty stacking
New estimated EMI (36 months)
₹3,298
Potential monthly savings
₹41,702
Estimated interest saved: ₹16,272
*Illustration only. Actual rates, EMI, and savings depend on lender approval, tenure, fees, and credit profile. NexaLoan is a loan facilitation platform, not a lender.
Simple by design
Three steps to financial breathing room
From scattered repayments to one planned monthly debit, with a specialist beside you.
02
Select the best offer
Compare personalized options across our regulated lending partner network.
03
Activate one EMI
The selected lender settles eligible liabilities, leaving one planned repayment.
Partner network
Offers shaped by leading banks
Compare lender-specific features in one clear, consent-led process.
HDFC Bank
Institutional settlement support and a priority assistance desk.
Explore indicative offerICICI Bank
Flexible tenure options extending up to seven years, subject to approval.
Explore indicative offerState Bank of India
Wide branch reach with competitive indicative rates on eligible profiles.
Explore indicative offerKotak Mahindra Bank
Quick digital processing with assisted documentation support.
Explore indicative offerAxis Bank
Flexible tenure options with transparent fee disclosures.
Explore indicative offerBank of Baroda
Structured settlement of eligible existing dues after sanction.
Explore indicative offerPunjab National Bank
Salaried-friendly consolidation options, subject to approval.
Explore indicative offerCanara Bank
Longer tenure choices to help lower the monthly outgo.
Explore indicative offerUnion Bank of India
Paperless verification with assisted disbursal workflows.
Explore indicative offerIndian Bank
Options that may include low prepayment charges on eligible products.
Explore indicative offerEMI calculator
Plan your one-EMI future.
Tune amount, indicative rate, and tenure. The result updates instantly to help you compare repayment options.
No bureau pull. No commitment.
Loan amount₹6,00,000
Interest rate10.5% p.a.
Tenure60 months
Estimated EMI
₹12,896
Total payable
₹7,73,760
Eligibility
A quick check, without the guesswork
Typical lender criteria are shown below. Final eligibility is always determined by the selected lending partner.
Age
21–58 years
Net income
₹15,000+ / month
Employment
Salaried or self-employed
Credit profile
Typically 500+ CIBIL
Documents to keep ready
1PAN and Aadhaar
2Latest salary slips or income proof
3Recent bank statements
4Current loan statements
Customer stories
Less juggling. More control.
“Three payday app loans were eating my entire salary every month. One consolidation EMI later, I finally stopped the rollover cycle and my pay day is mine again.”
Karthik R.
IT support · Chennai
₹85,000 merged · 3 apps closed
“The fees on my instant-loan apps kept stacking every month and I was borrowing from one app to pay another. NexaLoan's plan replaced all of it with a single fixed outflow.”
Sneha P.
Nurse · Mumbai
₹1,20,000 merged · 4 apps closed
“I was terrified my CIBIL would collapse with so many short-term loans. The team explained everything clearly and the consolidation brought my monthly outgo down by almost half.”
Vikram J.
Delivery fleet lead · Jaipur
₹60,000 merged · lower monthly outgo
“Every salary day I had four debit hits before my salary even landed. Now there's one due date, one auto-debit, and I can actually plan the month.”
Ayesha K.
Retail store manager · Hyderabad
₹95,000 merged · 1 due date
“As a gig worker my income varies, so payday loans felt like the only option. A longer tenure with one EMI was what I actually needed — the advisor showed me the numbers.”
Manoj D.
Gig delivery partner · Bengaluru
₹70,000 merged · 36-month tenure
“The salary-day trap is real. I closed my app loans in one go and set up a single consolidation EMI. The relief of not chasing due dates is worth everything.”
Divya S.
BPO associate · Pune
₹55,000 merged · 2 apps closed
Customer stories are shared experiences of consolidation journeys. Individual results, savings, and terms vary and are always subject to lending-partner approval.
Questions, answered
Everything before you apply
Your next due date can feel different.
Start with a free eligibility check.
No impact on CIBIL score for checking. No obligation to proceed.