BillCut

BillCut

About this app

BillCut helps you convert multiple high-interest loan and credit card bills into one lower interest EMI with ease. Save money by refinancing your credit card bills, personal loans, home loans, and car loans - all through one secure app. Plus, track and improve your credit score with our personalized CLIMB tool.
⚠️ BillCut is NOT a lender. BillPlan Fintech Pvt. Ltd. operates as a Loan Service Provider (LSP) and does not provide loans directly. All loans are offered, approved, and disbursed by RBI-registered NBFC partners.
How can BillCut help you?
✔️ Get exclusive loan offers for up to Rs. 35 lakhs in less than 2 minutes
✔️ Convert high-interest credit cards, personal loans, home loans & car loans into lower EMIs
✔️ View all your credit card bills & loans at your fingertips
✔️ Set smart reminders for bill payments & EMIs
✔️ Instantly check & monitor your credit score with CRIF High Mark & Experian
✔️ Discover CLIMB: Personalized tool to improve your credit score
✔️ Gain access to our gamified simulator to understand your credit score
Why choose BillCut?
Millions of Indians struggle with sky-high interest rates, sometimes over 50%, trapped in a cycle that feels impossible to escape. We're here to break that cycle. BillCut gives you access to lower-interest EMI plans by refinancing your personal loans, home loans, car loans, and credit cards.
Our platform connects you to trusted RBI-registered NBFC lenders, ensuring you get the best refinancing deals without any hassle or hidden fees. Plus, with our unique CLIMB tool, you get personalized guidance to improve your credit score step-by-step. Manage all your accounts in one place, stay on top of payments with reminders, and take control of your financial future.
Loan Terms & Conditions:
Repayment Period: 12 months & 84 months
Maximum APR: 35%
Representative Example: For ₹10,00,000 borrowed at 18% APR over 48 months, monthly EMI = ₹29,374, total interest = ₹4,09,999, total repayment = ₹14,09,999, processing fee = 1.5%-3.95% (charged by respective NBFC)
Our partners
✔️ L&T Finance Ltd.
✔️ DMI Finance Pvt. Ltd.
👉 All loans are provided and serviced directly by the above NBFCs. BillCut only facilitates the loan application process.
Download the BillCut app now!
[Important Note: BillCut DOES NOT provide any credit repair service. The information provided in the app is for educational purposes and is only a personalized guidance based on a customer's credit report]
Contact us
Have questions or feedback? We're here to help. Reach out anytime at [e-mail]

What’s new

Introducing a Faster, Smarter BillCut Experience.
+ Improved Reliability: A smarter way that helps you cut your EMIs & loan interest rates.
+ Powerful AI Tools: New and enhanced AI tools to help you understand and manage your credit better.

Making BillCut work better for you.