The Decision Fatigue Cycle
The availability of instant credit through apps and digital NBFCs has made it easier than ever for Indian borrowers to accumulate 3–5 active loan products. The complexity of different due dates, interest rates, and penalty structures often leads to "decision fatigue."
Prioritisation Strategy
- 1
Unified Loan Register
List every lender, balance, and interest rate in one document.
- 2
Automate Minimums
Set auto-debits for 3 days after salary to avoid bounce charges.
- 3
Aggressive Avalanche
Focus all surplus on the highest-interest loan first.