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Loan on your Credit Card.
Low EMI. Quick.

Convert your credit card's available limit into a structured EMI loan. Tenure 3 to 60 months. Disburses to your bank account.

⚡ Quick decision💳 Against CC limit📉 13% p.a. starting
⚡ Quick pre-screening

Check your CC loan offer

Check your eligibility for a loan against your credit card limit.

🔒 No CC details needed·📱 No spam
Why CC Loan via Cx Loan

A structured loan against
your card limit.

Card loan products convert your available limit into a fixed EMI loan. Rates typically 13-24% p.a., disbursed to your bank account.

💰

From 13% p.a.

Structured EMI rates typically 13-24% p.a., based on credit profile and lender underwriting.

⚡

Quick decision

Existing CC holders may see faster turnaround. Subject to lender approval.

📅

12-60 months EMI

Flexible tenure. Pay back comfortably over time. Lower monthly EMI.

📄

No new docs

Your CC issuer already has your data. Quick verification. No paperwork.

Eligibility

Got a credit card?
You're eligible.

✓ Eligibility

  • Active credit card (any major bank)
  • Good repayment track record
  • Age 21 to 65 years
  • Available limit on credit card
  • Stable income source

📄 Documents

  • Credit card details (last 4 digits only)
  • PAN & Aadhaar for KYC
  • Bank statement (3 months)
  • That's it. No physical documents.

Why pay 40% interest?
Switch to 13%.

Convert your CC limit to a smart loan. Save thousands in interest.

Quick Answers

CC loan
questions.

How is a CC loan different from CC cash withdrawal?+
CC cash withdrawal at an ATM charges 30-40% p.a. interest from day one plus a 2.5-3% upfront withdrawal fee. A Loan on Credit Card is a structured product with 13-24% p.a. rates and a fixed EMI tenure of 3 to 60 months.
Does this affect my credit card limit?+
Yes. The loan amount uses an equivalent portion of your credit card limit. As you pay your EMIs, that portion of the limit becomes available again.
What's the interest rate?+
Interest rates range from 13% to 24% p.a. based on your credit score, repayment history, and the CC issuer.
How fast is the disbursal?+
For existing CC holders with good history, disbursal is typically within 4 hours, subject to lender verification and approval. Actual timing depends on issuer underwriting and document verification. Money goes to your bank account directly.
Can I pre-close the loan?+
Yes. Most CC loans allow foreclosure after 6 months. Foreclosure charges are typically 2-3% of outstanding amount.
Smart way to use your CC

Your credit card =
a smarter loan.

Get more from your CC limit. Structured EMI from 3 to 60 months. Compare offers.

⚡ 13% p.a. CC loanEMI from 3 to 60 months