# InCred Finance — Quick Loan App > RBI-registered app for instant personal cash loans with online KYC and tracking. (iPhone/iPad app by KKR India Financial Services Limited.) - Source: https://appshunter.io/ios/app/incred-finance/id6443757735 (this page in markdown: same URL + `.md`) - Developer: [KKR India Financial Services Limited](https://appshunter.io/developer/1649086477) - Category: Finance - Price: Free - Rating: 4.44/5 from 2,166 App Store ratings · 21 written reviews indexed - Age rating: 4+ - Requires: iOS 15.5 · 101 MB - Languages: English - Released: 2023-01-08 - Data updated: 2026-08-30 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/incred-finance/id6443757735/reviews.md ## What is InCred Finance? Looking for a trusted loan app to get cash instantly? InCred is a proud RBI-registered loan app offering fast & secure cash loans with quick approvals. Download the InCred personal loan app - experience reliable online finance solutions in a few clicks. Key Features of the InCred Loan App - Free Eligibility Check With Cash Loan App: Check your loan eligibility in seconds with our instant loan app - Online Loan App with Real-Time Tracking: Track your application status & get regular updates on your personal loan application process - 100% Online KYC Process On Personal Loan App: As an RBI-registered loan app, we offer quick loans with a secure & digital process - ensuring an easy finance experience - Dedicated Support From Our Loan App: Our relationship managers guide you at every step, making the loan process seamless with quick loan assistance & instant online finance options. No matter what your queries are, our loan service offers quick help - Loan App Provides Personalised EMI Loan Reminders & Schedules: Automated reminders for your EMIs & access to loan repayment schedule–use our instant personal loan app for hassle-free tracking Why Choose The InCred Loan App For Personal Loans? - Quick Loan Approval (instant eligibility check) - 100% Online Loan Application Process - No Collateral Required: We offer Unsecured Cash Loans - Competitive Loan Interest Rates: Starting - 13.99% p.a. - Flexible Cash Loan Repayment Tenure: 12 to 60 months - Customizable Loan & Tenure: Manage your loan EMIs with ease from our urgent loan app - Loan process: Automatic EMI Deduction via eNACH Mandate Quick Loan Example: Mr. Rohan needed an urgent loan of ₹1,00,000. He applied through the InCred loan app & it was approved within mins. With our urgent loan app, you can get a cash loan instantly. Here’s how it worked. - Sanctioned Loan Amount: ₹1,00,000 - Processing Fee (inclusive of GST): ₹3,540 - Net disbursed loan Amount: ₹96,450 - Loan Interest Rate: 21% per annum - Monthly Loan EMI: ₹3,767.5 (36 months) - Total Loan Repayment: ₹1,35,630 - Total Loan Cost (Interest + Fees): ₹39,170 This is just an example. The final interest rate for your instant personal loan will be as per your credit assessment. The Annual Interest Rate for personal loans ranges from 13.99% to 36%. Who Can Apply For An Instant Loan? → Indian citizen: 21 to 55 years old → Income Eligibility for Personal loan: ₹15,000+ (In-hand Salary) Or ₹25,000+ (Business Income) →Credit Score: Preferably 700+ with a solid loan repayment history How to Apply for a Loan: 1. Download the loan app 2. Complete the online loan application process via the loan app 3. Get a cash loan instantly within 15 minutes from the personal loan app What Can You Use A Personal Loan For? 1. Wedding expenses 2. Travel & vacations 3. Education courses 4. Medical emergencies 5. Home renovations 6. Credit card bills InCred online Finance also offers Education Loans & Business Loans tailored for students & merchants. Learn more at www.incred.com. Trusted Lending InCred personal loan app, an RBI-registered platform, offers quick loans with responsible lending. Join the millions who trust our urgent loan app to meet their financial goals. - RBI Registered Instant Personal Loan App - 400,000+ Happy Borrowers - ₹18,000 Cr+ disbursed in Personal Loans - 8,000+ Students Financed For Queries: Reach us at: https://wa.me/+918826272192 Privacy Policy: https://www.incred.com/privacy-policy FAQs for Easy Loan App: What documents are required for a cash loan? PAN, Aadhaar, & Bank statements are required. Urgent loan app uses these for instant loan process. How to apply for a quick loan via the instant personal loan app? Install the urgent loan app, fill details for a quick loan, & get a cash loan as per eligibility. Is the loan process fully online? Yes, our online finance process is 100% digital. Download Instant personal loan app, InCred– your partner in online finance! ## Key features - Free eligibility check - 100% online KYC - Real-time application tracking - Dedicated support managers - Personalized EMI reminders - Unsecured cash loans - Competitive interest rates ## Recent user reviews (10 of 21) All indexed reviews: https://appshunter.io/ios/app/incred-finance/id6443757735/reviews.md ### 1/5 — Low Rate Promise, High Cost Reality *2026-04-26* I had a very disappointing experience with **CRED loans. 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. **Developer response:** 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. ### 1/5 — Fraud !! *2026-03-14* The team is super super laid back!! They will be available to call you at night 11pm also ,but no correct and complete information if given. Also oncethe reimbursement is done they will not bother to call you back inspite of 1000tike requesting “mam apka case dekhraha hu’ “ mam main bahar aayaa hu karta hu call back!” Till date i have received the call! 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 ! **Developer response:** 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. ### 1/5 — Worst app and service *2026-02-13* This is the worst application I have ever used. The customer service is extremely poor, and there is no respect for customers. When I visited their branch office, the staff behaved very rudely and were not helpful at all. 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. **Developer response:** 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. ### 5/5 — Best option for app loans *2026-02-12* Purely professional. Especially not telling lies/stories like other loan apps. Surely will recommend for others. **Developer response:** 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 ### 1/5 — Extremely Unprofessional and Harassing Behaviour *2026-01-17* Very unprofessional and harassing experience. 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. **Developer response:** 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. ### 5/5 — Loan *2026-01-08* Great experience better than bank i have 777 cibil score but still bank was not giving PL but on this aap i got this in just a day but only rate of Interest was high **Developer response:** Dear Amitjha2617, 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 ### 1/5 — Terrible experience!!! *2025-12-22* Writing this review to warn new users. During my personal loan process, I was clearly told by customer care that insurance is mandatory, which later turned out to be false. Insurance cancellation took nearly 28 days, with multiple tickets and repeated follow-ups, and was resolved only after mailing the grievance team several times. Please be transparent and clearly inform customers upfront that insurance is not mandatory. Not every customer has the time or knowledge to keep following up. **Developer response:** Dear Akshay, 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. ### 1/5 — Fraud Incred finance company *2025-12-11* I took loan in the year 2022 ending near December. They said kindly share the all documents for further processing then only able to tell the rate of interest.l for your loan So I shared it and in between so many people from Incred called me and asking in phone open Incred finance app and click on allow when I ask what is the rate of interest they did’n told me So how I always click on allow button due to my busy time in the office i am unable to talk with them much After few days over some one called me from Incred finance and ask to open Incred app and check with the rate of interest and loan duration then click on agree button then loan process completed , he forcing me click on submit button a soon as possible. He not willing to give time to read and study the loan details On call he created a emergency if you don’t click on submit button with 1 minute your loan will get cancel and your credit score go down How even I check loan duration , interest rate and loan amount carefully. Even I tried to take screen shoot but app shows you can’t take screen shoot due to company policy. Then I submit After that when I open Incred finance app again after loan amount disbursed to my account I found very strange Loan duration for 4 year instead of 3 years Interest rate increase from 16% to 26% Then I called Incred finance for the same they simple said after 6 months you can close the loan they Not accept that they change the loan details after my approval. When I take multiple follow up for the. Loan details change they block my number . This is they play with me Due to cibil score till date I paid the EMI now I will not set silently INCRED FINANCE SILENTLY EATEN MY HARDEN MONEY FOR THE YEARS VERY VERY WORST FINANCE COMPANY I URGE EVERYONE DONT TAKE LOAN FROM THIS APP **Developer response:** Dear Kamanaboina, 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. ### 1/5 — Worst Experience with InCred – Unfair Charges and System Failures *2025-11-06* I’ve had a terrible experience with InCred. My EMI is set for auto debit every month, and I always maintain enough balance in my account. Yet, their system repeatedly fails to process the payment and then charges ₹500 as a “bounce fee.” This has happened more than once, and even after paying the unnecessary penalty before, the same issue continues. Their customer support takes no responsibility and simply blames the customer. I have never missed an EMI, and still, I’m being penalized for InCred’s own technical faults. This is completely unprofessional and unethical. I’m now escalating this to the Consumer Forum and RBI Ombudsman for repeated negligence. I strongly advise others to stay away from InCred until they fix their broken system and learn to treat customers fairly **Developer response:** Dear Sabarinathkasi, 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. InCred. ### 1/5 — Karthik SM *2025-10-08* I kindly request you people not to go with this bank. During the loan forcloser they won’t give you proper information about the process. And once you do the Bt then they come up with the charges. They delay to respond and they keep sending us to different people to talk. They themselves throw blames on their employees and wash their hands. No where i fount a professional banking ethics. No proper information provided. They agree and say that there will be no charges when we buy loan and all if a sudden they’ll change while closing. And loan recovery department thought Bravo’s. They assault your parents and they call everyone for 2 days late payment. Never give this bank a business. I regret loosing 1.5lks **Developer response:** Dear Karthik, 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. ## Frequently asked questions about InCred Finance ### How secure is InCred Finance for personal loans? InCred Finance is an RBI-registered loan app that offers a 100% online KYC process, ensuring a secure and digital experience for all transactions. They prioritize data protection and adhere to regulatory standards for financial services. ### What are the interest rates for personal loans on InCred Finance? Competitive loan interest rates start from 13.99% p.a. The Annual Interest Rate for personal loans ranges from 13.99% to 36%, with the final rate determined by your credit assessment. ### What is the repayment tenure for loans from InCred Finance? The app offers flexible cash loan repayment tenures ranging from 12 to 60 months. You can manage your loan EMIs easily and receive personalized EMI reminders and schedules. ### Can I track my loan application status with InCred Finance? Yes, InCred Finance provides real-time tracking for your application status. You will receive regular updates on your personal loan application process directly through the app. ### What are the eligibility criteria to apply for a loan on InCred Finance? To apply, you must be an Indian citizen aged 21 to 55 years old, with an in-hand salary of ₹15,000+ or business income of ₹25,000+. A credit score of preferably 700+ with a solid repayment history is also required. ### Does InCred Finance offer loans without collateral? Yes, InCred Finance offers unsecured cash loans, meaning no collateral is required to apply for a personal loan through the app. ### How quickly can I get a loan from InCred Finance? The app aims to provide cash loans instantly, with the process including downloading the app, completing the online application, and potentially receiving the cash loan within 15 minutes. ### What kind of support does InCred Finance provide? InCred Finance offers dedicated support from relationship managers who guide you at every step of the loan process. They provide quick assistance and ensure a seamless finance experience. ## Version history (last 5 releases) ### 9.2.2 — 2026-06-02 removed improvement options from rating ### 9.2.1 — 2026-05-29 manage consents option in profile ### 9.2.0 — 2026-04-21 - ios sdk updated ### 9.0.8 — 2025-08-12 Loan amount from 10L to 15L ### 9.0.7 — 2025-08-10 Due Emi payment Bug fixes and improvements --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*