incred loan app review | InCred Loan App Review: Convenient and Quick Access to Loans

When you need financial assistance, applying for a loan can often be a time-consuming and complex process. However, with the advent of technology, mobile applications have made it easier for individuals to apply for loans conveniently and efficiently. In this article, we will explore the InCred Loan App, its features, benefits, eligibility criteria, loan types available, interest rates, repayment options, customer support, security measures, as well as the pros and cons of using this app. Additionally, we will delve into user reviews, ratings, and address some frequently asked questions to provide you with a comprehensive review.

incred loan app review

What is the InCred Loan App?

The InCred Loan App is a mobile application developed by InCred, a leading financial services company. This app allows users to apply for various types of loans directly from their smartphones. Whether you require a personal loan, home loan, business loan, or education loan, the InCred Loan App provides a seamless and user-friendly experience, making the loan application process hassle-free.

Features of the InCred Loan App

  1. User-Friendly Interface: The InCred Loan App boasts an intuitive and easy-to-use interface, enabling users to navigate through the application effortlessly.
  2. Loan Calculator: The app features a loan calculator that helps users estimate the EMI (Equated Monthly Installment) and plan their finances accordingly.
  3. Quick Loan Approval: With minimal documentation requirements and an efficient approval process, the InCred Loan App ensures speedy loan approval, reducing the waiting time for applicants.
  4. Flexible Repayment Options: The app offers various repayment options, allowing borrowers to choose a tenure and installment amount that suits their financial capabilities.
  5. Secure and Encrypted: InCred prioritizes the security of user information and employs robust encryption techniques to safeguard personal and financial data.
  6. Transparent Loan Terms: The InCred Loan App provides comprehensive information about loan terms, interest rates, processing fees, and other charges, ensuring transparency for borrowers.

How to Apply for a Loan through the InCred Loan App

  1. Download and Install: Begin by downloading and installing the InCred Loan App from the official app store compatible with your device.
  2. Registration: Sign up on the app by providing the necessary details, such as your name, contact information, and email address.
  3. Document Submission: Complete the required document submission process, which may include identification proof, address proof, income proof, and any other documents specified by the app.
  4. Loan Selection: Choose the type of loan you require and input the loan amount and tenure based on your needs.
  5. Verification and Approval: The InCred team will verify the submitted documents and assess your loan application. If approved, you will receive a notification regarding the loan approval status.
  6. Loan Disbursement: Upon approval, the loan amount will be disbursed directly to your registered bank account.

Loan Types Available on the InCred Loan App

The InCred Loan App offers a wide range of loan options to cater to diverse financial requirements. Some of the common loan types available through the app include:

  1. Personal Loans
  2. Home Loans
  3. Business Loans
  4. Education Loans
  5. Vehicle Loans
  6. Medical Loans
  7. Wedding Loans
  8. Debt Consolidation Loans

incred loan Eligibility Criteria

To be eligible for a loan through the InCred Loan App, applicants must fulfill certain criteria, including:

  1. Minimum age requirement (usually 21 years and above)
  2. Indian citizenship or residency
  3. Steady source of income
  4. Good credit history (varies based on the loan type)

incred loan Interest Rates and Fees

The interest rates and fees associated with loans on the InCred Loan App may vary depending on the loan type, amount, and other factors. It is advisable to review the app for specific interest rates and fees related to your chosen loan.

Repayment Options

InCred offers flexible repayment options to borrowers. You can choose a suitable tenure and repayment frequency (monthly, quarterly, etc.) based on your financial circumstances.

Customer Support

The InCred Loan App provides dedicated customer support to address any queries or concerns you may have during the loan application process. You can reach out to their support team via email, phone, or through the in-app chat feature.

  • ou can call on +91-1860 500 2192 or on +91-8826272192
  • You can send an email on [email protected]
  • You can visit the corporate office at The Capital, Unit no. 1502A, B Wing, Bandra Kurla Complex, Mumbai-400051, Maharashtra
  • You can also visit offices available at other locations
Name of City/AreaAddress
Address310, 3rd Floor, Tower B, Lodha Supremus2, Wagle Estate,Thane-400604Maharashtra
AndheriKaledonia Building,B-wing,3rd floor,Unit No.303A-02,Station Road,Andheri East, Mumbai – 400 053
Pune4th Floor City Square Building, Maple Group near Zenith Complex behind Pride Hotel, ShivajinagarPune-411005Maharashtra
Delhi406, 4th Floor, Competent House Middle Circle, F Block, Connaught Place, New Delhi – 110 001
Ahmedabad3rd floor, Kalapurnum Complex, Above CITI Bank, Near municipal market, C.G. Road, Navrangpura, Ahmedabad- 380009, Gujarat
Surat315-316 3rd floor,LA-Victoriya, Opposite Suryam Villa, Near Galaxy Circle, PAL, Surat- 395009,Gujarat
Rajkot301, 3rd Floor, The Imperia,Opp. Shastri Medan,Above FEDERAL Bank,Limda Chowk,Rajkot – 360001
Vadodara154 / 155, K -10 Atlantic, B- Tower, Sarabhai road, Nr. Genda circle,Vadodara-390007Gujarat
Jaipur-C SchemeOffice No 201, 2nd Floor, City Corporate Building, Near Agrisen Circle, Malviya Nagar, C Scheme, Jaipur – Rajasthan 302001
Bangalore#601-605, 6th Floor, Delta Block, Sigma Soft Tech Park, Varthur Road, Whitefield,Bengaluru-560066Karnataka
# 519 B, 5th Floor, Beta Block Sigma Soft Tech Park,Varthur Road, Whitefield,Bangalore-560066Karnataka
Unit: 108, 3rd Floor, Uday House, 30th Cross, 8th B Main Road, 4th Block Jayanagara,Bengaluru-560011Karnataka
HyderabadANKS Tower #6-3-108/A 2nd Floor Raj Bhavan Road Somaji GuddaHyderabad-500082Telangana
Chennai 1 and Chennai 2No.1, 1st Floor,Nathamuni Street,T nagar,Chennai-600017,Tamilnadu
CoimbatoreUnit 3B, KPM Commercial Centre, No. 63, Narayanasamy Layout, Near GKNM Hospital Signal, Bharathiyar Road,Pappanaikenpalayam, Coimbatore-641037TamilNadu
MaduraiNo: 82, 1st Floor, Pretham Plaza, Ponmeni, Bye pass road, MaduraiTamilNadu-625016
TrichyNo.63/1, chitra complex,1st floor, Karur by pass road, chatram bus stand, Trichy-620002Tamil Nadu
KolkataAWFIS 4th Floor, 8/1A Sir William Jones Sarani, 1 Camac Street,Kolkata-700071West Bengal
Vijayawada57-2-15, 2nd Floor,Pantakaluva Road,Vijayawada- 520010Andra Pradesh
Indore10,Revenu Colony ,AnnpurnaRoad,Indore-452001Madhya Pradesh

Security Measures

InCred prioritizes the security and confidentiality of user data. The app employs advanced encryption technologies to protect personal and financial information from unauthorized access or misuse.

Pros and Cons of the InCred Loan App


  1. Convenient loan application process from the comfort of your smartphone.
  2. Quick loan approval and disbursal.
  3. Wide range of loan options available to cater to different financial needs.
  4. User-friendly interface for easy navigation.
  5. Transparent loan terms and conditions.


  1. Eligibility criteria may exclude certain individuals.
  2. Interest rates and fees may vary based on the loan type and applicant profile.
  3. Availability of loan types and features may vary depending on the user’s location.

User Reviews and Ratings

The InCred Loan App has received positive reviews from users for its user-friendly interface, quick loan approval, and seamless loan disbursal process. Users have praised the app’s convenience and transparency in loan terms. However, it is always advisable to read individual user reviews and ratings to gain a comprehensive understanding of other users’ experiences.

Frequently Asked Questions

Can I apply for a loan through the InCred Loan App if I have a low credit score?

InCred considers multiple factors while assessing loan applications, including credit scores. While a low credit score may affect your loan eligibility, it is recommended to check the specific eligibility criteria provided by the app.

What is the maximum loan amount I can avail through the InCred Loan App

the maximum loan amount available through the app may vary based on factors such as your income, credit history, and the type of loan you are applying for.

How long does it take for the loan amount to be disbursed?

Once your loan is approved, the disbursal time may vary depending on the loan type and the required documentation. InCred aims to disburse the loan amount as quickly as possible.

Can I track my loan application status through the InCred Loan App?

Yes, the app provides features to track your loan application status, allowing you to stay informed throughout the process.

Is the InCred Loan App safe to use for loan applications?

Yes, the app prioritizes the security of user information and employs robust security measures to safeguard personal and financial data.

Is the InCred Loan App available for both Android and iOS devices?

Yes, the InCred Loan App is available for both Android and iOS devices. You can download it from the respective app stores.

Can I apply for multiple loans simultaneously through the InCred Loan App?

Yes, you can apply for multiple loans simultaneously through the app, provided you meet the eligibility criteria for each loan type.

What documents are generally required to apply for a loan through the InCred Loan App?

The required documents may include identification proof, address proof, income proof, bank statements, and other documents as per the loan type.

Are there any prepayment charges for loans availed through the InCred Loan App?

Prepayment charges, if applicable, will vary depending on the loan type and terms. It is recommended to review the loan terms for specific details.

Can I contact the InCred customer support team for assistance during the loan repayment period?

Yes, the InCred Loan App provides customer support to address any queries or concerns you may have during the loan repayment period.


The InCred Loan App provides a convenient and user-friendly platform for individuals seeking financial assistance. With its intuitive interface, quick loan approval process, flexible repayment options, and transparent loan terms, the app streamlines the loan application experience. However, it is essential to review the eligibility criteria, interest rates, and fees specific to the loan type you are interested in. By leveraging the InCred Loan App, you can easily access loans and fulfill your financial requirements efficiently.

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