Low Rate Promise, High Cost Reality
Initially, they showed a very attractive and low interest rate to lure customers. But after the loan was approved, the actual terms were completely different. The interest turned out to be extremely high (around 21–22% in reality), which was never clearly explained upfront.
On top of that, they charged a high processing fee and other hidden costs. Everything is presented in a confusing way (flat vs reducing rate), making it hard for customers to understand the real cost of the loan.
This feels misleading and not transparent at all. Customers should be clearly informed about the actual interest rate and total cost before approval.
I would not recommend this loan service to anyone unless they fully understand all hidden charges and calculations.
Response from developer
Dear RakeshPradhan, We sincerely apologize that your experience didn’t meet your expectations. Rest assured, we are here to help and make things right. To assist you further and ensure a better experience in the future, you can reach out to us via WhatsApp by clicking here https://wa.me/+918826272192. We’ll be more than happy to assist you. Team InCred.
Fraud !!
They seem like scamter who will provide you with loan and leave you with the burdern of charges on repayment of emi and how the app actually works !
Response from developer
Dear Loan receiver, We sincerely apologize that your experience didn’t meet your expectations. Rest assured, we are here to help and make things right. To assist you further and ensure a better experience in the future, you can reach out to us via WhatsApp by clicking here https://wa.me/+918826272192. We’ll be more than happy to assist you. Team InCred.
Worst app and service
They charge a huge processing fee and very high interest rates on loans. Even after paying EMIs, they deduct extra interest without proper explanation. Additionally, they charge high foreclosure or closing fees, which feels completely unfair.
Overall, this is a very disappointing and frustrating experience. I strongly do not recommend this application to anyone. Please improve your customer service, transparency, and reduce the unfair charges.
Response from developer
Dear hk.khanhabib, We sincerely apologize that your experience didn’t meet your expectations. Rest assured, we are here to help and make things right. To assist you further and ensure a better experience in the future, you can reach out to us via WhatsApp by clicking here https://wa.me/+918826272192. We’ll be more than happy to assist you. Team InCred.
Best option for app loans
Response from developer
Dear Rajarathinam, Thank you for the amazing review! We're thrilled to know you had a great experience with us. Your satisfaction means a lot, and we truly value your support. We appreciate your business and remain committed to providing you with the best of our services. Team InCred
Extremely Unprofessional and Harassing Behaviour
We initially applied for a loan but later decided not to proceed due to the high interest rate and personal financial reasons. I clearly informed them multiple times that I was not interested and had taken a loan elsewhere. Despite this, they kept calling me 4–5 times a day.
Even after requesting them to stop calling and reject my application, the calls continued. Later, I received calls claiming to be from HDFC, and when I said no, the caller spoke very rudely and even used insulting language.
This is not how customers should be treated. I would not recommend Incred Finance to anyone.
Response from developer
Dear Rajeshwari, We sincerely apologize that your experience didn’t meet your expectations. Rest assured, we are here to help and make things right. To assist you further and ensure a better experience in the future, you can reach out to us via WhatsApp by clicking here https://wa.me/+918826272192. We’ll be more than happy to assist you. Team InCred.