u/Exotic-Luck-5823 — reddlx

Hi everyone,

I’m currently stuck in a difficult situation with multiple small-ticket loan apps and a few larger loans.

My details:

Salary: ₹43k/month
Current total EMI: ~₹46k
CIBIL score: 740

Because of the high number of loans, I’m getting rejected for personal loans even though my intention is to consolidate everything into one structured EMI.

Plan:
I want to take a ₹2–3 lakh personal loan and immediately close all high-interest app loans and a small top-up loan, which will reduce my EMI to ~₹30k and make things manageable.

What I’m looking for:

Any NBFCs / lenders who handle such consolidation cases
Any agents or professionals who can help structure this
Advice from someone who has gone through similar situation

I am NOT looking for random loan apps or risky options. Only genuine suggestions or contacts.

Thanks in advance.