---
title: "InCred Finance - Reviews, Revenue and Downloads in India | Apple App Store"
description: "Need funds for an emergency, or home renovation, or wedding, travel, or any big expense? With InCred, get a personal loan of up to ₹15 Lakhs through a fast, 100% digital application process.  Trusted "
---

# InCred Finance — India
> Quick Loan App

![InCred Finance App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/0b/70/0f/0b700f68-d231-f0b1-ac2d-aa7da1455806/AppIcon-0-0-1x_U007epad-0-1-85-220.png/434x0w.png)

**Developer:** [KKR India Financial Services](https://apptail.io/developer/kkr-india-financial-services-DIFc)
**Category:** Finance
**Rating:** 4.5/5 (3,164 ratings)
**Price:** Free
**Bundle ID:** com.incred.customer
**Store:** Apple App Store
**Country:** India
**Version:** 10.0.6 (released 2026-11-04)
**Original Release:** 2023-01-08
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/in/app/app/id6443757735)
**AppTail Page:** [https://apptail.io/app/incred-finance-dZsh/india](https://apptail.io/app/incred-finance-dZsh/india)

## InCred Finance Description
Need funds for an emergency, or home renovation, or wedding, travel, or any big expense?
With InCred, get a personal loan of up to ₹15 Lakhs through a fast, 100% digital application process.

Trusted by 400,000+ happy borrowers with ₹18,000 Cr+ disbursed in personal loans, We make borrowing simple, secure & hassle-free.

WHY CHOOSE THE INCRED APP FOR ONLINE PERSONAL LOANS?
# Get Instant money from our online loan app (if you are eligible)
# 100% Online Loan Application Process
# No Collateral Required: We offer Unsecured Personal Loans
# Competitive Loan Interest Rates: Starting from 13.99% p.a.
# Flexible Loan Repayment Tenure: 12 to 60 months
# Customizable Cash Loan & Tenure: Manage your loan EMIs with ease from our InCred Finance app
# Easy Loan process: Automatic EMI Deduction via eNACH Mandate (autopay setup)

KEY FEATURES OF THE INCRED FINANCE APP
- Eligibility Check: With the InCred Cash Loan App check your eligibility in seconds
- Real Time Updates: Stay informed about your application progress with our easy to use urgent loan app, offering real time updates on your application status.
- 100% Online KYC Process: As an RBI-licensed loan app, we offer loans with a secure & digital process.
- Dedicated Support: Our relationship managers are here to assist you every step of the way. We make the loan process easier by offering personal assistance with fast finance options.
- EMI Loan Reminders & Schedules: Automated reminders for your EMIs - use our easy credit loan app for hassle-free EMI tracking.
- Check Your Credit Score Instantly: Maintain your financial health with quick credit score checks, personalised insights & regular updates right from your InCred dashboard.

QUICK LOAN EXAMPLE
Mr. Rohan needed an urgent loan of ₹1,00,000. He applied through the InCred loan app & it was approved within seconds. With our loan app, you can get funds instantly. Here’s how it worked for Mr. Rohan
- Sanctioned Loan Amount: ₹1,00,000
-  Processing Fee (inclusive of GST): ₹3,540
- Net disbursed loan Amount: ₹96,450
-  Loan Interest Rate(reducing balance): 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 APR for your instant personal loan will be as per your credit assessment. The Annual Percentage Rate (APR) for personal loans ranges from 14% to 48%

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 easy loan app
2. Complete the online loan application process via the loan app
3. Receive a cash loan instantly in your account within 15 minutes from the instant personal loan app

WHAT CAN YOU USE A PERSONAL LOAN FOR?
# Wedding expenses
# Travel & vacations
# Education courses
# Medical emergencies
# Home renovations
# Credit card bills

InCred Finance also offers Education Loans & Business Loans tailored for students & merchants. Learn more at www.incred.com.

TRUSTED & SECURE LENDING
InCred Instant personal loan app, an RBI-registered platform, offers quick loans with responsible lending. Join the millions who trust our emergency 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: 
Privacy Policy: 

FAQs FOR PERSONAL LOAN APP
What documents are required for an online personal loan?
PAN, Aadhaar, & Bank statements are required. Urgent loan app uses these for instant loan process.

How to apply for an instant loan?
Install app, fill details for an instant personal loan & get a loan as per eligibility.

## InCred Finance Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/70/e4/ff/70e4ff0e-c7de-9ad7-b0ab-3818ca903f16/1242__U00d7_2208px-1.png/1242x2208.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/06/33/49/0633491d-157d-6465-36d0-3f1b02dabf22/1242__U00d7_2208px-2.png/1242x2208.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/e9/72/e9/e972e9ce-b778-4b49-c81b-62cceed37edc/1242__U00d7_2208px-3.png/1242x2208.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/db/c9/44/dbc944cd-edd8-7760-0778-8587261ff392/1242__U00d7_2208px-4.png/1242x2208.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/ca/3a/a0/ca3aa045-561e-c45e-bd94-c951cc97f2ca/1242__U00d7_2208px-5.png/1242x2208.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/17/46/a9/1746a977-03c1-e4f6-77b5-5b52da0fd070/1242__U00d7_2208px-6.png/1242x2208.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/8e/12/64/8e1264fd-434c-c448-07a2-f4600b9b4f1a/1242__U00d7_2208px.png/1242x2208.png)
- [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/ea/03/0b/ea030b64-4e3b-de9b-1b09-1ec102f72f88/Banner_34__U00281_U0029.jpg/1242x2208.png)
- [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/1b/ec/b6/1becb6b3-a20b-4994-6b57-2ddb3004cd09/Banner_35.jpg/1242x2208.png)
- [Screenshot 10](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/19/e1/67/19e1672c-0deb-d39c-a6b4-b0071e367964/Banner_36.jpg/1242x2208.png)

## InCred Finance Rating Breakdown in India
- 5 stars: 2,497 (79%)
- 4 stars: 326 (10%)
- 3 stars: 53 (2%)
- 2 stars: 17 (1%)
- 1 stars: 271 (9%)

## InCred Finance Reviews in India

### *---- "Low Rate Promise, High Cost Reality"
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.
-- RakeshPradhan, 2026-04-26

### *---- "Froud"
Very Wrost took all the Document &Reject the Loan But all the cibil good But still Thay Rejected These People’s collect our Data Only
-- Very wrost, 2026-04-09

### *---- "Totup loan page issue"
Topup loan page is showing download the app with in the app I don’t know what logic is this. This is the worst app ever
-- Vml@r@m@, 2026-04-07

### *---- "Fraud venture"
This company is a scam and just do harassment for life threat and abuse and risk to your known people. Do not deal with such as they are fraudulent company. Please file a LPC UNDER SECTION 503/506 in case any of you come under extortion or abuse. 

Note: They leak information and speak of phisical assault please tape everything. Like I have done. Please report cyber crime or call them up.
-- Watching over 23, 2026-03-27

### *---- "Fraud !!"
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 !
-- Loan receiver, 2026-03-14

### ***** "Excellent"
Excellent
-- Mohammed Feroz uddin, 2026-03-06

### *---- "Too much interest and penalty"
I have taken loan ROI around more 30%. Last month I have maintained money at due date but still they have deducted ₹500. They are just looting money and exploiting people’s situation 😐😐
-- Shyamhhv, 2026-03-05

### ***** "Maahi"
Instant credit and nice service
-- ZAQxsw Maahi, 2026-03-03

### *---- "Processing fee is very high"
Please don’t take loan in this app processing fee is very high
-- Shiva 51, 2026-03-02

### *---- "Very bad User experience in apple phone"
It has so many bugs need to fix on priority
-- Arunn reddy, 2026-02-28

[View all InCred Finance reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)


## InCred Finance Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Free | India | Finance | #148 |

## InCred Finance Discovered Keywords
- track car expenses
- incred finance

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