A home loan top-up is an additional amount that a person can borrow in addition to their current home loan. A home loan top-up has a lower interest rate than any personal loan, making it a viable option if one needs emergency funding. But one incurs the interest repayment on a home loan top-up from the next immediate month. A personal education loan offers a moratorium period until one’s education is complete. The type of loan to purchase ultimately depends on one’s repayment capacity. With the advent of online loan aggregators, the loan application process is hassle-free. Online loan aggregators also offer the option to compare the loans. We, at KuberX, are tech-driven online loan aggregators. Through our AI, we enable borrowers to compare loan options and choose the most suitable one.