Overview
Manage your credit card debt with affordable monthly payments
A credit card loan helps you convert your high-interest credit card outstanding into a fixed-tenure personal loan with lower interest rates. This reduces your monthly burden and helps you clear your credit card debt systematically through affordable EMIs.
Why Choose Us
Take control of your credit card debt
Save money with rates much lower than credit card interest.
Know exactly when your debt will be cleared.
Reduce credit utilization and boost your score.
Affordable monthly payments that fit your budget.
Get approved within 24 hours.
Merge multiple credit card debts into one.
Quick Application
Fill out the form below and our team will contact you within 24 hours
Eligibility
Between 21 to 65 years
Indian citizen
Salaried or Self-employed
Active credit card with outstanding
₹15,000/month for salaried
650+ for better rates
Good credit card payment track record
Minimum 1 year in current job
Documentation
Keep these documents ready for quick loan processing
Aadhaar / PAN / Passport
Utility Bill / Rent Agreement
Salary Slips / Bank Statements
Last 3 months CC statements
Last 6 months bank statements
Recent passport size photos
Features & Benefits
Discover why thousands choose us for their credit card debt management
Much lower than 36-48% CC interest
Predictable payment schedule
Merge multiple card dues into one
Reduce utilization ratio
Get funds within 24 hours
Significant savings over CC interest
More Options
Discover our complete range of financial products and services tailored for you
Happy Customers
Real stories from people who cleared their credit card debt
"Saved thousands on interest by converting my credit card debt to this loan. My EMI is now half of what I was paying! Kalakal Enterprise made the process smooth and the team in Ahmedabad was very helpful. Highly recommended!"
"Kalakal Enterprise helped me consolidate all my credit card debts into one affordable EMI. Stress-free now! The interest rate was much lower than what I was paying on my credit cards. Great service!"
"Best decision ever! Lower interest rate and fixed tenure. My credit score also improved significantly. Thank you Kalakal Enterprise for helping me manage my debt better!"
Apply now and convert your dues to easy EMIs with lower interest. Quick approval, fixed tenure, debt consolidation - Take control of your finances today.
Credit Card Loan FAQs
Find answers to commonly asked questions about credit card loans.
Contact UsCredit cards charge 36-48% annual interest on outstanding balances. By converting this to a personal loan at 11.5-18% interest, you save significantly on interest costs and clear your debt faster with fixed EMIs. Kalakal Enterprise helps you save thousands in interest payments.
Yes, once you clear your credit card outstanding with our loan, your credit limit is restored and you can continue using your card. However, we recommend responsible usage to avoid falling into debt again. Kalakal Enterprise provides financial guidance to help you manage credit wisely.
Perfect! You can consolidate outstanding from multiple credit cards into a single loan with one EMI. This simplifies your finances and reduces the overall interest burden significantly. Kalakal Enterprise helps you manage all your credit card debts efficiently.
Actually, it can improve your credit score! By reducing your credit card utilization and maintaining timely EMI payments, your credit score typically improves over time. This is a smart debt management strategy. Kalakal Enterprise helps you build a better credit profile.
Once approved, the loan amount is typically disbursed within 24 hours. We can either transfer funds directly to you or pay off your credit card outstanding directly on your behalf. Kalakal Enterprise ensures quick processing for customers in Ahmedabad and across Gujarat.