01
Track every loan and card in one place
Add all your loans, credit cards, and liabilities in a single place for efficient tracking and visibility.
Stop overpaying on your loans
We enable you to stay one step ahead and manage your debt like a pro!
Maximum Interest SavingsSeamless ProcessingZero fees
Your best offer
₹13,389a month
IDFC First Bank · 12.9% p.a. · on ₹5 lakh over 48 months
You pay now
₹14,299
You save
₹910/mo
Best available offers
HHDFC Bank13.4%₹13,513
BBajaj Finserv13.9%₹13,638
IICICI Bank14.4%₹13,764
Our trusted lending partners
RBI-regulated banks and NBFC partners
How Frivo works
Track, Understand & improve
Just three simple steps, no branch visit, no sales calls, no heavy paperwork and zero additional charges.
02
Understand what each one actually costs
Frivo's AI model turns complex loan documents and information into simple and understandable language. Summarising and enabling you to know the true cost of your debt.
03
Improve it with a better offer, or stay put
Our model is to share unbiased advice with our customers by transparently letting you know which lender beats your rate, and where you have maximum interest savings.
Why Choose Us
Built to reduce what you pay
Four things that stay true on every single offer we show you.
₹ 0
Zero Fees
End-to-end seamless case processing at no additional cost or charges
8 +
Lending Partners
We are partnered with the best and most trusted lenders of the country
+ 50 pts
Credit Score Impact
Our strategies help customers to increase their credit score and creditworthiness
1-2
Working days to switch
You stay worry-free and let Frivo handle the heavy lifting, the paperwork & formalities
Real outcomes
They had loans.They asked questions.They stopped overpaying.
Aniket DeshpandePune · switched Aug 2026★★★★★“I paid the minimum on my credit card for almost two years without ever working out what it was costing me. Frivo put the number on one screen, and had a 13.9% offer that cleared it in four days.”
42% → 13.9%₹74,300 saved
Sample calculations
See who beats your rate.
Tell us what you owe today. We show you the best rate and what it saves you.
Best of 6 lenders · IDFC First Bank12.9% p.a.
₹43,659 saved
Over 48 months your EMI drops from ₹14,299 to ₹13,389. That is ₹910 back in your account every month, and ₹43,659 of interest you never pay.
Your EMI today₹14,299
EMI with IDFC First Bank₹13,389
Illustrative panel rates on a reducing balance basis, over the same tenure and before fees. Your actual rate is set by the lender after assessment.
The difference
Same lenders, with a different lens.
Most comparison sites are paid to put one lender first, but we are building Frivo with a customer first approach.
| Frivo | Typical Comparison Site | Bank or Loan agent | |
|---|---|---|---|
| Who pays for the recommendation | Nobody. Zero fees to you | The lender being promoted | You, through the rate |
| Shows every eligible lender | Yes, at equal weight | Only paying partners | Only their own product |
| Tells you when to stay put | Yes, in plain words | Never | Never |
| Net saving after fees, upfront | Yes, processing and foreclosure | Headline rate only | Buried in the sanction letter |
| Sees your existing loans | Full ledger, cards and assets | One application at a time | Only if you bring the papers |
| Credit score impact to look | None, soft check | Often a hard pull | Hard pull per bank |
| Chases the old lender for you | Foreclosure letter and NOC | No | Sometimes |
| Needs your bank login | Never | Frequently | Physical statements |
Questions people frequently ask
How does Frivo make money if I pay nothing?
The lender pays Frivo a fee when a loan you chose is disbursed. That fee is the same across the panel, so no lender can buy a better position. If you decide to stay put, nobody pays anything and that is fine with us.
Will checking offers hurt my credit score?
No. Frivo uses a soft enquiry to find your offers, which is not visible to other lenders and does not affect your score. A hard enquiry happens only when you accept an offer and the lender processes the application.
Do I have to give you my bank login?
Never. You add loans by uploading a sanction letter or typing the outstanding amount, rate and tenure. Frivo does not use account aggregators or screen scraping.
Which loans and cards can I track?
Personal loans, credit cards, vehicle loans, home loans, gold loans, consumer durable loans and buy now pay later balances, from any bank or NBFC in India. You can also add fixed deposits and other assets so Frivo can show you cheaper secured options.
What if nobody beats my current rate?
Frivo tells you that plainly, and shows what a prepayment or a change of tenure would do instead. Most comparison sites are not built to give that answer. We are.
Is Frivo a lender?
No. Frivo is a loan facilitation platform. Every loan is sanctioned and disbursed by a regulated bank or NBFC on the panel, on their terms, and you sign directly with them.
Takes less than a minute
Find out what your loans actually cost.
Everything you owe, on one screen.
Your total outstanding and blended rate across every bank and NBFC, refreshed as you add loans.
Interest still to pay, in rupees split by loan, so the expensive one is impossible to miss.
Clear this one first a single ranked answer, not a dashboard you have to interpret.
A nudge when a lender drops below your rate so you find out before the next twelve EMIs go out.