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Juggling three or four loan apps, and taking one to pay another? Enter what you owe below. You’ll see what the stack really costs, how much of your salary it eats, the order to clear it in, and a week-by-week plan for the next 30 days.
We’ve filled in an example with 3 apps so you can see how it works. Replace it with your own numbers.
For each app: what you owe now, the day of the month it’s due, and the fee or interest it charges each cycle (until your next salary). Rollover means you pay only the fee and push the loan to next month.
What lands in your bank account after tax and deductions.
Rent, food, travel, bills, school fees and any other EMIs. Not the app loans.
Illustrative. Assumes each loan runs on a monthly cycle and the same fee is charged every time it’s rolled over, while the amount you owe stays the same. Apps with shorter cycles or late fees cost more.
Built from your numbers. Work through one week at a time.
Example rate, not an offer. Change the example rate, tenure and fee to match any quote you have. The actual rate, fees and APR of any loan are in its Key Fact Statement.
Illustrative. “Keep rolling” pays the same fees every month and still owes the full amount at the end. “Clear them yourself” uses your free cash after essentials, pays every fee due and clears loans one by one in the cheaper order. “One EMI loan” borrows the total you owe at the example rate with equal monthly EMIs and the fee paid at the start.
Omozing SmartSwitch is built for exactly this: it can combine several short-term app loans into one Omozing loan with one EMI. The money goes to your own bank account, you close each app loan within about 7 days and share the NOCs. It’s for salaried people with a take-home of ₹40,000 or more and a credit score from 600, subject to assessment. The exact rate, fees and APR are in the Key Fact Statement before you accept.
Illustrative only, using your own entries and example rates you can change. It is not financial advice, a credit assessment or an offer. Nothing you enter leaves your browser.
Made by Omozing, the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered NBFC. Results are illustrative, not an offer.
This free tool takes up to six loan-app loans, your take-home salary and your essential costs. It shows what the loans cost each month and over 6 and 12 months if they keep rolling over, how much of your salary they take, which order to clear them in (avalanche or snowball), and a week-by-week 30-day exit plan. It also compares rolling over with one EMI loan at an example rate you can change.
Stop taking new app loans, list every loan with its Key Fact Statement, ask each lender for the exact closure amount, then clear the loans one at a time or combine them into one EMI loan if you qualify. Get a NOC for each loan you close and check your credit report afterwards.
Paying the costliest first (avalanche) usually saves the most in fees. Paying the smallest first (snowball) gives quicker wins. The tool works out both from your own numbers so you can compare.
Often, because a rollover fee is charged again every cycle while the amount you owe stays the same. An EMI loan reduces what you owe every month. Compare using the actual rate, fees and APR in the lender’s Key Fact Statement.
Download or request a NOC or no-dues letter, keep payment screenshots, check that the loan shows as closed (not settled) on your credit report, raise a dispute with the bureau if it does not, and then delete the app.
No. Everything runs in your browser and nothing is stored or sent.