Personal Credit Card Loan with LoanPao

LoanPao’s personal credit card loans provide a convenient and flexible financing solution for individuals in India 2025. Whether you need funds for travel, education, home improvements, or other personal expenses, our loans leverage your credit card limit to deliver quick cash through our network of 250+ RBI-compliant lenders. Enjoy fast approvals, no collateral, and repayment plans tailored to your needs.

What is a Personal Credit Card Loan?

A personal credit card loan is a short-term loan that allows individuals to borrow against their credit card’s available limit for personal expenses. Unlike a credit card cash advance, this loan offers structured EMIs, lower interest rates, and a clear repayment schedule, making it a cost-effective option for financing needs like medical expenses, travel, weddings, or debt consolidation. Funds are disbursed to your bank account or applied directly to your credit card balance, depending on the lender’s terms.

LoanPao partners with leading banks to offer these loans, ensuring competitive rates and a seamless application process for salaried and self-employed individuals.

Benefits of LoanPao Personal Credit Card Loans

Our personal credit card loans offer:

  • Quick Access to Funds: Approvals within 6-12 hours, with funds disbursed shortly after.
  • No Collateral Required: Unsecured loans based on your credit card limit and repayment history.
  • Competitive Rates: Interest rates starting at 10.5% p.a., more affordable than credit card cash advances.
  • Flexible Repayment: Choose EMIs from 3 to 36 months to match your financial capacity.
  • Minimal Documentation: Submit basic KYC and credit card statements digitally for a hassle-free process.
  • Versatile Usage: Use funds for any personal expense, from travel and education to home renovations.

Eligibility Criteria

To qualify for a LoanPao personal credit card loan, you should meet the following requirements:

  • Active credit card with a minimum limit of ₹50,000 and at least 6 months of usage history.
  • Age between 21 and 60 years.
  • Minimum monthly income of ₹20,000 (salaried) or ₹40,000 (self-employed).
  • CIBIL score of 650+ (higher scores improve loan terms).
  • Valid KYC documents (Aadhaar, PAN, and address proof).
  • Residence in India with a stable income source.

Check your eligibility instantly via our CIBIL login or contact us at info@loanpao.in.

How to Apply

Applying for a personal credit card loan with LoanPao is simple and fast:

  1. Complete the Form: Fill out the form below with your personal and credit card details.
  2. Upload Documents: Provide KYC (Aadhaar, PAN), credit card statements (last 3 months), and income proof (if required).
  3. Lender Matching: Our team matches you with suitable lenders from our 250+ network.
  4. Receive Offers: Get personalized loan offers within 6-12 hours.
  5. Fund Disbursal: Funds are credited to your bank account or applied to your credit card balance.

Start now by filling the form below or call +91-971-769-5334 for expert guidance.

Why Choose LoanPao for Personal Credit Card Loans?

LoanPao is your trusted partner for personal financing in India:

Fast Approvals

Get loan approvals within 6-12 hours for quick access to funds.

Trusted Lender Network

Partnered with 250+ RBI-compliant banks and NBFCs.

Secure & Transparent

SSL encryption and RBI-compliant processes ensure safety.

Frequently Asked Questions

It can be used for personal expenses like travel, education, medical bills, home renovations, weddings, or debt consolidation.

A personal credit card loan uses your credit card limit, requires minimal documentation, and has faster approvals compared to a traditional personal loan, which may involve more paperwork and longer processing times.

Approvals are processed within 6-12 hours, with funds disbursed shortly after, depending on the lender.

A CIBIL score of 650+ is recommended, but some lenders may consider scores as low as 600 with additional documentation.

Apply for a Personal Credit Card Loan

Fill out the form below to get started with your personal credit card loan. Our team will contact you within 6-12 hours.