Debt Consolidation Loan in India | Apply Online | Instant Approval | Olyv
Looking for a simple, reliable, and transparent debt consolidation loan in India? Olyv helps borrowers manage multiple existing liabilities by offering a personal loan that can be used for debt consolidation through a fully digital process. With instant debt consolidation loan approval in India and fast disbursal, Olyv enables users to combine credit card dues, personal loans, and app-based loans into one manageable EMI.
Debt consolidation loans are commonly used to repay high-interest debts, reduce monthly EMI burden, improve repayment discipline, and simplify financial management. Olyv ensures clear terms, flexible repayment tenure, predictable EMIs, and access to leading debt consolidation loan NBFC providers through trusted lending partners, making it easier to regain control over finances.
What Is a Debt Consolidation Loan?
What Is a Debt Consolidation Loan?
A debt consolidation loan in India lets you combine multiple debts—like credit cards, personal loans, or app-based loans—into one single EMI. Olyv facilitates personal loans that can be used for debt consolidation, helping borrowers simplify repayments, reduce financial stress, and manage finances more easily. This option is suitable for salaried, self-employed, and even some CIBIL defaulters, and works with NBFCs and banks to provide flexible terms and competitive interest rates.
Why Choose Olyv for a Debt Consolidation Loan in India?
Why Choose Olyv for a Debt Consolidation Loan in India?
Why Choose Olyv for a Debt Consolidation Loan in India?
Borrowers prefer Olyv because it simplifies access to the best debt consolidation loans in India through a fast, online, and transparent experience.
Borrowers prefer Olyv because it simplifies access to the best debt consolidation loans in India through a fast, online, and transparent experience.
Borrowers prefer Olyv because it simplifies access to the best debt consolidation loans in India through a fast, online, and transparent experience.
Apply easily for an instant debt consolidation loan in India using a 100% online process
Apply easily for an instant debt consolidation loan in India using a 100% online process
Apply easily for an instant debt consolidation loan in India using a 100% online process
Olyv works with RBI-registered NBFCs, helping users identify the best NBFC for debt consolidation loan based on eligibility
Olyv works with RBI-registered NBFCs, helping users identify the best NBFC for debt consolidation loan based on eligibility
Olyv works with RBI-registered NBFCs, helping users identify the best NBFC for debt consolidation loan based on eligibility
Compare offers from multiple debt consolidation loan providers without visiting different websites
Compare offers from multiple debt consolidation loan providers without visiting different websites
Compare offers from multiple debt consolidation loan providers without visiting different websites
Understand is it good to have a debt consolidation loan based on EMI affordability and interest rates
Understand is it good to have a debt consolidation loan based on EMI affordability and interest rates
Understand is it good to have a debt consolidation loan based on EMI affordability and interest rates
Use a personal loan for debt consolidation without collateral or guarantor
Use a personal loan for debt consolidation without collateral or guarantor
Use a personal loan for debt consolidation without collateral or guarantor
Olyv simplifies the long-term borrowing process, enabling borrowers to achieve financial goals without multiple visits or paperwork.
Olyv simplifies the long-term borrowing process, enabling borrowers to achieve financial goals without multiple visits or paperwork.
Olyv simplifies the long-term borrowing process, enabling borrowers to achieve financial goals without multiple visits or paperwork.
Key Benefits of Choosing Olyv
Key Benefits of Choosing Olyv
100% online debt consolidation loan app experience
100% online debt consolidation loan app experience
100% online debt consolidation loan app experience
Digital KYC with quick verification
Digital KYC with quick verification
Digital KYC with quick verification
Personal loan used for debt consolidation
Personal loan used for debt consolidation
Personal loan used for debt consolidation
Fast approval and quick disbursal
Fast approval and quick disbursal
Fast approval and quick disbursal
Flexible loan amount and repayment tenure
Flexible loan amount and repayment tenure
Flexible loan amount and repayment tenure
Competitive interest rates based on eligibility
Competitive interest rates based on eligibility
Competitive interest rates based on eligibility
Suitable for salaried and self-employed individuals
Suitable for salaried and self-employed individuals
Suitable for salaried and self-employed individuals
Check personal loan eligibility online with Olyv
Check personal loan eligibility online with Olyv
Check personal loan eligibility online with Olyv
Types of Personal Loans Available Through Olyv
Types of Personal Loans Available Through Olyv
Olyv facilitates instant personal loans online, debt consolidation loans, small ticket personal loans (₹5,000–₹50,000), and emergency personal loans for urgent financial needs. Borrowers can apply for a personal loan for salaried individuals, personal loan for self-employed professionals, or a loan for low CIBIL score applicants, subject to eligibility.
Olyv facilitates instant personal loans online, debt consolidation loans, small ticket personal loans (₹5,000–₹50,000), and emergency personal loans for urgent financial needs. Borrowers can apply for a personal loan for salaried individuals, personal loan for self-employed professionals, or a loan for low CIBIL score applicants, subject to eligibility.
Olyv facilitates instant personal loans online, debt consolidation loans, small ticket personal loans (₹5,000–₹50,000), and emergency personal loans for urgent financial needs. Borrowers can apply for a personal loan for salaried individuals, personal loan for self-employed professionals, or a loan for low CIBIL score applicants, subject to eligibility.
These unsecured personal loan options come with fast approval, digital KYC, flexible EMI tenure, and quick disbursal through a 100% online process.
These unsecured personal loan options come with fast approval, digital KYC, flexible EMI tenure, and quick disbursal through a 100% online process.
These unsecured personal loan options come with fast approval, digital KYC, flexible EMI tenure, and quick disbursal through a 100% online process.
Eligibility Criteria for Debt Consolidation Loan with Olyv
Eligibility Criteria for Debt Consolidation Loan with Olyv
To access an instant debt consolidation loan in India and ensure smooth processing, applicants must meet the following eligibility criteria. Olyv provides access to debt consolidation loans through NBFC partners, including options for borrowers with varied credit profiles.
To access an instant debt consolidation loan in India and ensure smooth processing, applicants must meet the following eligibility criteria. Olyv provides access to debt consolidation loans through NBFC partners, including options for borrowers with varied credit profiles.
To access an instant debt consolidation loan in India and ensure smooth processing, applicants must meet the following eligibility criteria. Olyv provides access to debt consolidation loans through NBFC partners, including options for borrowers with varied credit profiles.
Must be an Indian citizen with valid KYC documents such as PAN, Aadhaar, Passport, or Voter ID
Must be an Indian citizen with valid KYC documents such as PAN, Aadhaar, Passport, or Voter ID
Must be an Indian citizen with valid KYC documents such as PAN, Aadhaar, Passport, or Voter ID
Minimum age of 21 years at the time of application
Minimum age of 21 years at the time of application
Minimum age of 21 years at the time of application
Minimum monthly income for salaried or self-employed individuals
Minimum monthly income for salaried or self-employed individuals
Minimum monthly income for salaried or self-employed individuals
Stable source of income supported by recent bank statements or income proof
Stable source of income supported by recent bank statements or income proof
Stable source of income supported by recent bank statements or income proof
Aadhaar-linked mobile number and a valid PAN card
Aadhaar-linked mobile number and a valid PAN card
Aadhaar-linked mobile number and a valid PAN card
A good credit score helps secure better debt consolidation loan interest rates and faster approval
A good credit score helps secure better debt consolidation loan interest rates and faster approval
Check personal loan eligibility online with Olyv
Key Features of Debt Consolidation Loan through Olyv
Key Features of Debt Consolidation Loan through Olyv
Olyv offers transparent and borrower-friendly debt consolidation loan NBFC options, allowing users to combine multiple debts into a single personal loan with one simplified EMI.
Olyv offers transparent and borrower-friendly debt consolidation loan NBFC options, allowing users to combine multiple debts into a single personal loan with one simplified EMI.
Olyv offers transparent and borrower-friendly debt consolidation loan NBFC options, allowing users to combine multiple debts into a single personal loan with one simplified EMI.
Loan Amount: Flexible personal loan amounts suitable for consolidating multiple outstanding debts
Loan Amount: Flexible personal loan amounts suitable for consolidating multiple outstanding debts
Interest Rates: Competitive rates offered by leading debt consolidation loan providers based on credit profile
Interest Rates: Competitive rates offered by leading debt consolidation loan providers based on credit profile
EMI Planning: Single, easy-to-manage EMI with flexible repayment tenure
EMI Planning: Single, easy-to-manage EMI with flexible repayment tenure
No Collateral: Unsecured personal loan for debt consolidation without guarantor
No Collateral: Unsecured personal loan for debt consolidation without guarantor
Digital Process: 100% online application, approval, and disbursal
Digital Process: 100% online application, approval, and disbursal
Transparent Pricing: All charges disclosed upfront with no hidden costs
Transparent Pricing: All charges disclosed upfront with no hidden costs
Fast Processing: Quick approval and instant disbursal for eligible borrowers
Fast Processing: Quick approval and instant disbursal for eligible borrowers
Profile-Based Rates: Customized terms based on income stability and repayment capacity
Profile-Based Rates: Customized terms based on income stability and repayment capacity
Learn more about debt consolidation loans with Olyv
Learn more about debt consolidation loans with Olyv
Learn more about debt consolidation loans with Olyv
Documents Required for Debt Consolidation Loan Assessment
Documents Required for Debt Consolidation Loan Assessment
Applying for a debt consolidation loan in India through Olyv requires minimal documentation to assess eligibility and applicable loan terms. Olyv offers a personal loan for debt consolidation through trusted NBFC partners.
Applying for a debt consolidation loan in India through Olyv requires minimal documentation to assess eligibility and applicable loan terms. Olyv offers a personal loan for debt consolidation through trusted NBFC partners.
Applying for a debt consolidation loan in India through Olyv requires minimal documentation to assess eligibility and applicable loan terms. Olyv offers a personal loan for debt consolidation through trusted NBFC partners.
Identity and Address Proof
Identity and Address Proof
Identity and Address Proof
PAN card
(mandatory)
Aadhaar card, Passport, Voter ID, Driving License, or other valid address proof
Additional Requirements
Additional Requirements
Additional Requirements
Recent selfie or photograph for digital KYC verification
Active bank account for loan disbursal and EMI auto-debit setup
Income Proof
Income Proof
Income Proof
Salaried individuals: Recent bank statements or salary-related income proof
Self-employed individuals: Business bank statements or professional income documents
View the complete list of documents required for debt consolidation loan processing with Olyv.
View the complete list of documents required for debt consolidation loan processing with Olyv.
View the complete list of documents required for debt consolidation loan processing with Olyv.
Calculate Your Debt Consolidation Loan EMI Online
Calculate Your Debt Consolidation Loan EMI Online
Plan your repayments easily using the debt consolidation loan EMI calculator on Olyv. This tool helps you estimate your monthly EMI, total interest payable, and overall repayment amount when using a personal loan for debt consolidation.
Plan your repayments easily using the debt consolidation loan EMI calculator on Olyv. This tool helps you estimate your monthly EMI, total interest payable, and overall repayment amount when using a personal loan for debt consolidation.
Plan your repayments easily using the debt consolidation loan EMI calculator on Olyv. This tool helps you estimate your monthly EMI, total interest payable, and overall repayment amount when using a personal loan for debt consolidation.
With Olyv, borrowers can also compare debt consolidation loan interest rates by NBFC and lender, helping them identify the best debt consolidation loan in India based on affordability, tenure, and repayment comfort.
With Olyv, borrowers can also compare debt consolidation loan interest rates by NBFC and lender, helping them identify the best debt consolidation loan in India based on affordability, tenure, and repayment comfort.
With Olyv, borrowers can also compare debt consolidation loan interest rates by NBFC and lender, helping them identify the best debt consolidation loan in India based on affordability, tenure, and repayment comfort.
How to Use the Debt Consolidation EMI Calculator
How to Use the Debt Consolidation EMI Calculator
How to Use the Debt Consolidation EMI Calculator
Enter the total loan amount required to consolidate existing debts
Enter the total loan amount required to consolidate existing debts
Select the applicable debt consolidation loan interest rate based on your credit profile
Select the applicable debt consolidation loan interest rate based on your credit profile
Choose a flexible repayment tenure from 2 to 24 months
Choose a flexible repayment tenure from 2 to 24 months
Using the debt consolidation loan EMI calculator, along with the ability to compare offers from leading debt consolidation loan providers, helps borrowers make informed decisions and manage repayments through a single, simplified EMI.
Using the debt consolidation loan EMI calculator, along with the ability to compare offers from leading debt consolidation loan providers, helps borrowers make informed decisions and manage repayments through a single, simplified EMI.
Using the debt consolidation loan EMI calculator, along with the ability to compare offers from leading debt consolidation loan providers, helps borrowers make informed decisions and manage repayments through a single, simplified EMI.
Your monthly EMI is
₹0
6% interest rate per annum
Total Interest
₹0
Total Amount
₹0
EMI Schedule
| Month | Opening Balance | Interest | Principal | Closing Balance |
|---|---|---|---|---|
| Mar '26 | ₹5,000 | ₹25 | ₹-25 | ₹5,025 |
Debt Consolidation Loan Interest Rates & Charges with Olyv
Debt Consolidation Loan Interest Rates & Charges with Olyv
Olyv ensures complete transparency in debt consolidation loan pricing, allowing borrowers to clearly understand interest rates and charges before applying. Multiple debts are consolidated into one EMI using a personal loan.
Olyv ensures complete transparency in debt consolidation loan pricing, allowing borrowers to clearly understand interest rates and charges before applying. Multiple debts are consolidated into one EMI using a personal loan.
Olyv ensures complete transparency in debt consolidation loan pricing, allowing borrowers to clearly understand interest rates and charges before applying. Multiple debts are consolidated into one EMI using a personal loan.
Feature
Debt Consolidation Loan Details
Loan Amount
Flexible personal loan amounts based on eligibility and total outstanding debt
Interest Rate
Competitive debt consolidation loan interest rates based on credit score and income
Tenure
2 to 24 months with manageable single EMIs
Processing Charges
Applicable fees disclosed upfront by NBFC lenders
Foreclosure Charges
May apply as per debt consolidation loan NBFC terms
Penalty Charges
Applicable in case of delayed EMI payments
Feature
Debt Consolidation Loan Details
Tenure
2 to 24 months with manageable single EMIs
Interest Rate
Competitive debt consolidation loan interest rates based on credit score and income
Loan Amount
Flexible personal loan amounts based on eligibility and total outstanding debt
Processing Charges
Applicable fees disclosed upfront by NBFC lenders
Foreclosure Charges
May apply as per debt consolidation loan NBFC terms
Penalty Charges
Applicable in case of delayed EMI payments
Feature
Debt Consolidation Loan Details
Tenure
2 to 24 months with manageable single EMIs
Interest Rate
Competitive debt consolidation loan interest rates based on credit score and income
Loan Amount
Flexible personal loan amounts based on eligibility and total outstanding debt
Processing
Charges
Applicable fees disclosed upfront by NBFC lenders
Foreclosure
Charges
May apply as per debt consolidation loan NBFC terms
Penalty Charges
Applicable in case of delayed EMI payments
Borrowers can estimate monthly repayments in advance using the debt consolidation loan EMI calculator on Olyv.
Borrowers can estimate monthly repayments in advance using the debt consolidation loan EMI calculator on Olyv.
Borrowers can estimate monthly repayments in advance using the debt consolidation loan EMI calculator on Olyv.
How to Apply for a Debt Consolidation Loan Online with Olyv
How to Apply for a Debt Consolidation Loan Online with Olyv
Olyv offers a fast, paperless, and fully digital process to apply for an instant debt consolidation loan in India. The personal loan amount can be used to repay credit cards, personal loans, and app-based debts.
Olyv offers a fast, paperless, and fully digital process to apply for an instant debt consolidation loan in India. The personal loan amount can be used to repay credit cards, personal loans, and app-based debts.
Olyv offers a fast, paperless, and fully digital process to apply for an instant debt consolidation loan in India. The personal loan amount can be used to repay credit cards, personal loans, and app-based debts.
Visit Olyv and register using your mobile number
Complete personal, employment, and income details
Verify identity through OTP-based and digital KYC
Select loan amount, debt consolidation loan
interest rate, and repayment tenure
Get instant approval and receive funds directly
in your bank account
Visit Olyv and register using your
mobile number
Complete personal, employment,
and income details
Verify identity through OTP-based and
digital KYC
Select loan amount, long term personal
loan interest rate, and repayment tenure
Get instant approval and receive funds directly in your bank account
Visit Olyv and register using your mobile
number
Complete personal, employment, and income details
Verify identity through OTP-based and digital KYC
Select loan amount, long term personal loan interest rate, and repayment tenure
Get instant approval and receive funds directly
in your bank account
This streamlined process ensures quick approval, fast disbursal, and a seamless long term personal loan app experience through Olyv.
This streamlined process ensures quick approval, fast disbursal, and a seamless long term personal loan app experience through Olyv.
This streamlined process ensures quick approval, fast disbursal, and a seamless long term personal loan app experience through Olyv.
FAQs- Debt Consolidation Loans
FAQs- Debt Consolidation Loans
Is It Good to Have a Debt Consolidation Loan?
Yes, a debt consolidation loan is good for borrowers who want to simplify repayments, reduce interest burden, and manage finances through a single EMI.
Does a Debt Consolidation Loan Hurt Your Credit?
Which Bank or NBFC Gives Debt Consolidation Loans in India?
How to Clear 70 Lakhs Debt Using a Debt Consolidation Loan?
Is getting a loan to consolidate debt a good idea?
Who is eligible for a debt consolidation loan in India?
What is the smartest way to pay off debt?
Are there any hidden charges on Olyv loans for debt consolidation?
What debts cannot be consolidated?
What is the minimum credit score for a consolidation loan through Olyv?
What is the minimum salary for a debt consolidation loan?
Is It Good to Have a Debt Consolidation Loan?
Yes, a debt consolidation loan is good for borrowers who want to simplify repayments, reduce interest burden, and manage finances through a single EMI.
Does a Debt Consolidation Loan Hurt Your Credit?
Which Bank or NBFC Gives Debt Consolidation Loans in India?
How to Clear 70 Lakhs Debt Using a Debt Consolidation Loan?
Is getting a loan to consolidate debt a good idea?
Who is eligible for a debt consolidation loan in India?
What is the smartest way to pay off debt?
Are there any hidden charges on Olyv loans for debt consolidation?
What debts cannot be consolidated?
What is the minimum credit score for a consolidation loan through Olyv?
What is the minimum salary for a debt consolidation loan?
Is It Good to Have a Debt Consolidation Loan?
Yes, a debt consolidation loan is good for borrowers who want to simplify repayments, reduce interest burden, and manage finances through a single EMI.
Does a Debt Consolidation Loan Hurt Your Credit?
Which Bank or NBFC Gives Debt Consolidation Loans in India?
How to Clear 70 Lakhs Debt Using a Debt Consolidation Loan?
Is getting a loan to consolidate debt a good idea?
Who is eligible for a debt consolidation loan in India?
What is the smartest way to pay off debt?
Are there any hidden charges on Olyv loans for debt consolidation?
What debts cannot be consolidated?
What is the minimum credit score for a consolidation loan through Olyv?
What is the minimum salary for a debt consolidation loan?
Difference Between Debt Consolidation Loan and Debt Repayment Loan
Difference Between Debt Consolidation Loan and Debt Repayment Loan
A Debt Consolidation Loan is designed to combine multiple debts into a single loan, making it easier to manage monthly payments. For example, if you have multiple credit card balances, a personal loan, and a small app-based loan, you can consolidate them into one single EMI, often at a lower interest rate. The main benefit is simplification: you only have to track one repayment instead of many.
A Debt Consolidation Loan is designed to combine multiple debts into a single loan, making it easier to manage monthly payments. For example, if you have multiple credit card balances, a personal loan, and a small app-based loan, you can consolidate them into one single EMI, often at a lower interest rate. The main benefit is simplification: you only have to track one repayment instead of many.
Read More
Read More
Read More
Disclaimer
Disclaimer
For more information on products provided by each RBI-registered NBFC. please refer to the lending partner section.
For more information on products provided by each RBI-registered NBFC. please refer to the lending partner section.
Get funds when you need it
Get funds when you need it
Get funds when
you need it
Looking for a simple, reliable, and transparent debt consolidation loan in India? Olyv helps borrowers manage multiple existing liabilities by offering a personal loan that can be used for debt consolidation through a fully digital process. With instant debt consolidation loan approval in India and fast disbursal, Olyv enables users to combine credit card dues, personal loans, and app-based loans into one manageable EMI.
Debt consolidation loans are commonly used to repay high-interest debts, reduce monthly EMI burden, improve repayment discipline, and simplify financial management. Olyv ensures clear terms, flexible repayment tenure, predictable EMIs, and access to leading debt consolidation loan NBFC providers through trusted lending partners, making it easier to regain control over finances.
Debt Consolidation Loan in India | Apply Online | Instant Approval | Olyv
Debt Consolidation Loan in India | Apply Online | Instant Approval | Olyv
Looking for a simple, reliable, and transparent debt consolidation loan in India? Olyv helps borrowers manage multiple existing liabilities by offering a personal loan that can be used for debt consolidation through a fully digital process. With instant debt consolidation loan approval in India and fast disbursal, Olyv enables users to combine credit card dues, personal loans, and app-based loans into one manageable EMI.
Debt consolidation loans are commonly used to repay high-interest debts, reduce monthly EMI burden, improve repayment discipline, and simplify financial management. Olyv ensures clear terms, flexible repayment tenure, predictable EMIs, and access to leading debt consolidation loan NBFC providers through trusted lending partners, making it easier to regain control over finances.