Credit Card Loan with LoanPao

LoanPao’s credit card loans offer a fast and flexible financing solution for individuals and small businesses in India 2025. By leveraging your existing credit card limit, you can access funds for personal expenses or emergencies without the need for collateral. Our network of 500+ RBI-compliant lenders ensures competitive rates, quick approvals, and customized repayment plans to meet your financial goals.

What is a Credit Card Loan?

A credit card loan is a type of unsecured loan that allows you to borrow against your credit card’s available limit. It provides quick access to cash for various needs, such as medical emergencies, travel, education, or debt consolidation. Unlike credit card cash advances, credit card loans typically come with lower interest rates and structured EMI repayment options, making them a more affordable choice. Funds are disbursed directly to your bank account or applied to specific expenses, depending on the lender’s terms.

LoanPao partners with top banks and NBFCs to offer credit card loans, ensuring a seamless application process and transparent terms for both personal and emergency financing needs.

Types of Credit Card Loans

LoanPao offers two primary types of credit card loans to cater to different needs:

  • Emergency Credit Card Loan: Designed for urgent financial crises, such as medical emergencies, unexpected repairs, or urgent business expenses. Features instant approvals (2-6 hours) and minimal documentation. Learn More
  • Personal Credit Card Loan: Ideal for personal expenses like travel, education, weddings, or home improvements. Offers flexible repayment terms (up to 36 months) and approvals within 6-12 hours. Learn More

Benefits of LoanPao Credit Card Loans

Our credit card loans provide several advantages:

  • Quick Access to Funds: Approvals in 2-12 hours, depending on the loan type, for fast financing.
  • No Collateral Required: Unsecured loans based on your credit card’s limit and repayment history.
  • Competitive Rates: Interest rates starting at 10.5% p.a., lower than typical credit card cash advance fees.
  • Flexible Repayment: Choose EMIs from 3 to 36 months to suit your financial situation.
  • Minimal Documentation: Only basic KYC and credit card statements required, with digital submission.
  • Wide Eligibility: Available to salaried individuals, self-employed professionals, and small businesses with active credit cards.

Eligibility Criteria

To qualify for a LoanPao 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 65 years (individuals) or business operations for at least 1 year.
  • Minimum monthly income of ₹20,000 (salaried) or ₹40,000 (self-employed/business).
  • CIBIL score of at least 600+ (higher scores improve loan terms).
  • Valid KYC documents (Aadhaar Card,, PAN Card,, and address proof).
  • For businesses: GST registration and 1 year minimum of operation (if applicable).
  • Residence or business operations in India.

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

How to Apply

Applying for a credit card loan with LoanPao is quick and easy:

  1. Fill the Form: Complete the form below with your personal and credit card details.
  2. Submit Documents: Upload 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 500+ network.
  4. Receive Offers: Get personalized loan offers within 2-12 hours, depending on the loan type.
  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 immediate support.

Why Choose LoanPao for for Credit Card Loans?

LoanPao is your trusted partner for credit card financing in India:

Rapid Approvals

Get loan approvals within 2-12 hours for urgent and personal needs.

Trusted Lender Network

Partnered with over 500+ RBI-compliant banks and NBFCs.

Secure & Transparent

SSL encryption and RBI-compliant processes ensure safety and trust.

.

Frequently Asked Questions

Credit card loans can be used for personal expenses (e.g., travel, education, weddings) or emergencies (e.g., medical, repairs, business needs), offering versatile financing options.

Credit card loans offer lower interest rates (from 10.5% p.a.) and structured EMIs, unlike cash advances, which have higher rates (up to 3% monthly) and no fixed repayment schedule.

Approvals range from 2-12 hours, with emergency loans disbursing faster (2-6 hours) than personal loans (6-12 hours), depending on the lender.

A CIBIL score of 600+ is sufficient for most credit card loans, though higher scores (e.g., 650+) may secure better rates and terms.

Apply for a Credit Card Loan

Fill out the form below to explore credit card loan options. Our team will contact you within 2-12 hours to assist you.