That sinking feeling when the EMI notification pops up and your account balance is already tight?
You’re not alone. Rising expenses, salary delays, or emergencies can make even a manageable EMI feel unbearable.
But here's the good news: You're not stuck.
Vizzve Finance offers smart loan restructuring options — before your EMI becomes a problem.
🔍 What Is Loan Restructuring?
Loan restructuring allows you to modify your loan terms if you’re struggling financially.
This might include:
🔄 Extending your loan tenure
💸 Lowering your EMI temporarily
⏳ Pausing EMIs for a short period (moratorium)
🔁 Switching to interest-only payments for a few months
The goal? Relief without default.
🚨 Warning Signs You Need Restructuring
You’re borrowing from one app to pay another
You’ve missed one or more EMIs already
Your monthly income just dropped
You’re considering skipping rent or essentials for a loan
👉 If any of these sound familiar, reach out to Vizzve now — before your credit score takes a hit.
🧠 How Vizzve Finance Supports You
✅ 1. Early Detection Alerts
Our app watches for early signs of repayment stress and nudges you to act before it’s too late.
✅ 2. No Judgment, Just Options
Speak to our support team via chat — they’ll guide you through flexible restructuring options.
✅ 3. No Hidden Charges
Unlike other lenders, we don’t punish you with surprise restructuring fees. Transparency is our promise.
✅ 4. CIBIL-Protective Approach
We help restructure without damaging your credit score, as long as you're proactive.
🛠️ Real Examples of Vizzve Restructuring
“I lost my job mid-loan. Vizzve extended my tenure by 3 months and reduced my EMI from ₹2,500 to ₹1,000. I didn’t default, and my CIBIL stayed intact.”
– Rachit, Bengaluru
“I requested a 1-month EMI pause due to surgery. Vizzve approved it in-app. No drama. Just help.”
– Neha, Pune
💡 Tips to Avoid EMI Trouble in the Future
Always borrow within 30–40% of your monthly income
Set auto-pay, but monitor your cash flow
Use Vizzve’s in-app budgeting tips and alerts
Don’t ignore the first late EMI — it only gets worse
🙋 FAQs
Q1. Will restructuring my loan lower my credit score?
Not if done through formal channels like Vizzve, before defaulting. It's always better to restructure than to miss payments.
Q2. How do I request restructuring in the Vizzve app?
Open the app → Tap “Help” → Select “I’m struggling with EMIs” → Follow prompts for options.
Q3. Is there a fee for restructuring?
No, Vizzve does not charge hidden restructuring fees. Any applicable cost will be clearly shown and minimal.
published on 2nd july
Publisher : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.