Goal planner
Start from the loan you want.
Tell Pathway the loan you're aiming for. It works backwards: the score that rate needs, where you stand today, the lowest-effort plan to close the gap, and whether the monthly payment fits your budget.
- Choose the amount, the term and the highest interest rate you'd accept.
- See the score that rate needs and a projected plan to reach it.
- Check the monthly payment against your budget before you apply.
Reach your goal in 18 months
Projected, if you follow the plan below at a realistic pace.
Score, month by month
Projected Pathway score if you follow the plan, against the approval line and your goal.
- Projected score
- Approval line (650)
- Goal (690)
The score your goal needs
Higher scores unlock cheaper rate tiers.
Your score today
507
Goal score
690
Rate tiers (illustrative)
- Excellent 760+10.5% a year
- Very good 720+12.5% a year
- Good 690+15% a yearYour goal
- Fair 650+18% a year
- Declined Below 650about 36% elsewhereYou today
Your plan
The lowest-effort changes that reach a score of 690. Age, dependants and home loans are never changed.
- Step 1: ActionableDone by month 7 · Effort 4.0
Bring credit card balances down from 97% to 57% of your limits
- Step 2: TimeDone by month 18 · Effort 2.7
Pay every bill on time for 18 months so past late payments age out
Projected score after the plan: 696
Not used by the model: Age · Dependents · Real-estate loans
Milestones
Tick them off as you go. Nothing is saved or sent anywhere.
0 of 6 done
Can you afford the payment?
Lenders commonly cap all loan payments together at 50% of monthly income.
Today and after the plan
Over your budget- Monthly payment (EMI) at 15% over 36 months
- ₹6,933/month
- Debt payments you already make
- ₹34,720/month
- Room left in your budget
- ₹0/month
- Your current debt payments already fill the budget, so cutting them comes first.
What you can get today
Where you stand if you applied now, for the same loan.
A prime lender would likely decline today. High-cost lenders often charge around 36% a year.
Largest loan that fits your budget today
No new loan fits your budget today: your debt payments already use it.
Interest on ₹2,00,000 over 36 months
- Today, at 36%
- ₹1,29,787
- At your goal rate, 15%
- ₹49,590
Reaching your goal first is projected to save about ₹80,197 in interest.
Illustrative pricing: the interest-rate tiers, the 36% high-cost lender and the 50% FOIR cap are assumptions, not offers from any lender. Every figure is a projection from a simulation, not financial advice. How it works