Settle your loans for less than you owe
When repaying the full amount isn't possible, settlement is often the smartest path forward. Fliint negotiates directly with your lenders to close outstanding loans at a fraction of the balance — legally, transparently, and on your terms.
What is loan settlement?
Loan settlement is a legal process where you negotiate with your lender to pay a lump-sum amount that is less than the total outstanding balance, in exchange for the lender closing the account and marking it as settled.
Banks and NBFCs often prefer a partial recovery over no recovery — especially on accounts that have been delinquent for some time. This creates a real opportunity to resolve debt at a significantly reduced amount.
Fliint handles the entire negotiation on your behalf. We know what lenders will accept, how to structure the offer, and how to get the settlement documented properly so there are no surprises later.
Typical settlement example
* Illustrative example. Actual results vary by case.
Loans we help settle
We work across all major loan types and most banks, NBFCs, and digital lenders.
Personal loans
Unsecured personal loans from banks, NBFCs, and fintech lenders — the most common type we settle.
Credit card dues
Outstanding credit card balances, including those that have been charged off or sent to collections.
Business loans
MSME and business loans where the business has shut down or is unable to service the debt.
Home loans (partial)
In cases of severe financial hardship, we negotiate restructuring or partial settlement on home loans.
Two-wheeler & vehicle loans
Vehicle loans where the asset has been repossessed or the borrower can no longer make payments.
Education loans
Student loans from banks where employment or income hasn't materialised as expected.
How Fliint settles your loans
A structured, step-by-step process that puts you in control.
Case assessment
We review your loan details, outstanding amounts, lender history, and financial situation to determine the best settlement strategy and realistic target amount.
Lender outreach
We contact your lenders directly and open settlement discussions. Our team knows the right contacts and the right language to get serious conversations started quickly.
Negotiation
We negotiate hard on your behalf — pushing for the lowest possible settlement amount while keeping the process professional and legally sound.
Settlement & documentation
Once agreed, we ensure you receive a proper No Dues Certificate (NDC) and that the account is correctly updated with credit bureaus. No loose ends.
What you should know before settling
Your credit score will be affected
A settled account is marked 'Settled' on your credit report, which is better than 'Written Off' but still impacts your score. We'll explain the exact impact for your case.
Settlement is not the same as closure
A settled account means you paid less than the full amount. It stays on your credit report for 7 years. We'll help you rebuild your score after settlement.
You need a lump sum
Most settlements require a one-time lump-sum payment. We'll help you plan for this and in some cases negotiate a short payment window.
Get everything in writing
Never pay without a written settlement agreement and NDC. Fliint ensures all documentation is in order before any payment is made.
Real settlements, real relief
Placeholder stories — to be replaced with verified client testimonials.
"I had ₹8 lakh outstanding across three personal loans. Fliint settled all three for ₹3.2 lakh total. I didn't think that was even possible. The whole process took about 75 days."
Suresh P.
Chennai
"My credit card dues had ballooned to ₹2.4 lakh with interest and penalties. Fliint got it settled for ₹95,000. They handled every call — I didn't have to speak to the bank once."
Meena R.
Hyderabad
"After my business failed, I had a ₹15 lakh MSME loan I couldn't repay. Fliint negotiated a settlement at ₹6.5 lakh and helped me understand my next steps for rebuilding."
Vikram S.
Ahmedabad
Frequently asked questions
Find out what your loans could settle for
Book a free case assessment. We'll review your loans and give you a realistic settlement estimate — no obligation.
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