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Personal Loan vs Credit Card: Which is Better?

31 Jan 2026
Personal Loan vs Credit Card: Which is Better?

Both personal loans and credit cards offer quick access to funds, but they serve different purposes.

Personal Loan Benefits

  • Lower interest rates
  • Fixed repayment tenure
  • No collateral required

Credit Card Benefits

  • Instant usage
  • Reward points
  • Short-term flexibility

Loan Sarovar helps you choose the right product based on your credit profile.