InCred Finance
Quick Loan App
How much does InCred Finance cost?
Prices are current as of 9 Oct 2026.
InCred Finance has no in-app products on record in India.
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| InCred Finance |   IndiaLends-Loans, Credit Score |   Piramal Finance - Loans & More |   Finnable |   Lenditt: Personal Loan App |   Freo - UPI, Insurance, Loans |   Capital Now: Instant Loan App |   CreditSea: Personal Loan App |   Chinmay - Personal Loan App |   Viva Money: Personal Loan App |   Prefr: Personal Loan App | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rating / 5 | 4.5 | 4.5 | 4.7 | 4.4 | 4.3 | 3.9 | 4.3 | 4.4 | 4.4 | 4.1 | 4.6 |
| Reviews | 3.1K | 9.5K | 8.1K | 6.5K | 5K | 4.7K | 3.7K | 3.6K | 2.4K | 1.1K | 398 |
| Released | 2023 | 2016 | 2021 | 2019 | 2021 | 2021 | 2021 | 2025 | 2024 | 2023 | 2026 |
InCred Finance reviews
4.5 out of 5, based on 3,098 reviews.
What people like
- Money arrives super fast sometimes within an hour
- Staff are patient and very helpful
- Applying for a loan feels safe
What they complain about
- Support ignores you after loan approval
- They hide interest rates until too late
- Rejects you only after wasting your time
Loan Lender
Their team consists of a professional group of people who genuinely help those in need of financial assistance. Their service is professional, efficient, and quick. Throughout the entire process, I never felt any sense of fraud or uncertainty. The team was transparent and helpful at every step. Thank you to the entire team for your excellent service. Wishing you all the very best for the future!
Useless
So yes if you’re looking for something that can completely empty your account thn you use incred finance 😂😂
Good service
Safe to apply for a loan
Really dissappointed
I request for an smaller loan, initially the loan was showing approved. I took 1 day to complete the details the app was asking to click my selfie, bedroom, kitchen after sharing all details I come to see the loan was rejected. If I was not eligible then it should shown at the initial time as I hv already taken one PL from incred and paid all the dues on time. Still got rejection.
Thanku incred
life saving
Thanks
Very disappointing experience. After completing all the documentation and formalities, I was informed that my loan could not be processed because of my credit score. If the credit score was the issue, it should have been checked at the initial stage before asking me to complete all the documentation. This wasted my time and effort. Please improve your process and check the customer’s eligibility and credit score before proceeding with the documentation.
Helping hand
Thanks make me feel good
Bug in app Pathetic development.
3rd class app development and testing of the app is also not proper from QA side. After opening the app in iPhone 13 , app is directly opening the keyboard and there is no way to exit from it and user is not able to access any other option of the app.
Brilliant App for one in need
Best app for personal loans. Super fast disbursal process
Irrelevant and rude during process verification
PLSSSS DONTT CALL!!! This app peoples are very rude while process verification also they wont let us know about the ROI and Tenure period of the loan. Please be careful since im trying to escalate this to RBI
Great Service
Good customer support in online segment
High interest fraud
Rate of interest is different for different persons. They asked me to pay 73,000 interest for two lakh rupees for two years. At the starting, they will not disclose any interest rate after completing all procedure only they will tell you the reality.
Good
Good
Frauds
Guys be careful with them I am highly dissatisfied with the service provided by your loan executive, Akash, during my personal loan application process. His behavior was completely unprofessional and abusive. Furthermore, he extorted extra money from me under the false promise of approving the loan, and all the financial information he provided turned out to be completely incorrect and misleading. I strongly urge the management to investigate this matter and take strict disciplinary action against him. Due to this fraudulent experience, I will never recommend your organization to anyone looking for a loan.
In an Emergency, InCred Is Worth Trying
I had applied for a loan with many banks, but the process with InCred was the fastest. I received the money within about an hour. A special thanks to Syed Athik and Rehana Banu for their excellent support. They were patient, answered all my questions, and stayed on the call until the entire process was completed. They made the experience smooth and stress-free. Thank you for the great service. Highly recommended!
Misleading loan process – no response to cancellation request
Extremely disappointed with my experience on the InCred app. I initially reached out only to check my loan eligibility and understand the likely interest rate and tenure. During a guided call with their representative, I was told that the final interest rate, tenure, and loan amount would only be confirmed after completing the eNACH and other verification steps in the app. Based on this assurance, I proceeded with the process — but when I later opened the app, it showed my loan as “disbursement in process,” even though I had never agreed to the final terms. I was never given a clear opportunity to review and accept the actual sanctioned terms before this stage. I immediately requested cancellation of the loan on 2nd September, well within the cooling-off period, but there has been no response from the InCred team since then. No acknowledgment, no update, nothing — despite repeated follow-ups. This lack of transparency during the loan process, combined with the complete silence on a valid cancellation request, is unacceptable for a financial services app. I would strongly caution others to get every term in writing before proceeding with any InCred loan application, and to be prepared for a difficult experience if you need to cancel.
Good Finance company
I am happy to avail a loan from Incred.
Do not install the app
Worst company with fraud employees who can do anything to loot the customer with insurance and processing fees fake people with fake commitment.
My experience
On 22/05/2026, I applied for a loan of ₹4.3 lakhs, and on 25/05/2026 the amount was credited successfully. The amount could have been credited even earlier, but due to the weekend it took 2 extra days. The interest rate offered was decent at 10% flat. Also, I would especially like to appreciate Mr. Boya Bharat from InCred Finance for his excellent support throughout the process. He continuously kept me updated and was always available whenever I had any confusion or doubts. At no point did I feel ignored or left without a response. Overall, it was a smooth and professional experience
Loan Support
When they call you first they boast , and when it comes to deliver the will tell sir sorry it couldn’t have done , I have 791 civil score no emis bounce on my previous loan and there app is showing please come back after six months , though I asked 100 times if possible only process then after checking every possibilities .
Excellent
Excellent
BEWARE
Please don’t take loans from this app, u will regret later. After u take loan if u try to contact someone they’ll not at all respond infact there is not cutomer care call option where u can able to call agent directly. I have asked for a foreclosure document and dint even receive a call from anyone, worst app ever. Off course the interest rates are very high.
InCred Finance FAQ
- Is InCred Finance free?
- Yes. The app is free, in all 1 country it sells in, and it sells nothing inside it.
- Does InCred Finance have a free trial?
- No. None of its offers (IN) come with a free trial.
- What are the best alternatives to InCred Finance?
- IndiaLends-Loans, Credit Score (4.5 from 9,546 reviews), Piramal Finance - Loans & More (4.7 from 8,115 reviews) and Finnable (4.4 from 6,490 reviews).
InCred Finance download
Last updated 4 months ago.
InCred Finance sells in 1 country. It was released 3 years and 9 months ago, on 8 Jan 2023. It holds a 4.5 rating from 3,098 reviews.
Supports 1 language: English.
How much does InCred Finance make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.