Finance · Free tool
Credit Card EMI vs Personal Loan
Convert a big swipe to EMI on the card or take a fresh personal loan? We compare the true cost including processing fees and GST.
₹1,00,000
12 mo
Credit Card EMI
15.0%
2.0%
Personal Loan
11.5%
1.0%
Credit Card EMI
EMI₹9,026
Interest₹8,310
Processing + GST₹2,360
Total cost₹1,10,670
Personal Loan
EMI₹8,862
Interest₹6,338
Processing + GST₹1,180
Total cost₹1,07,518
Personal Loan wins by ₹3,152