PaisaOne
InCred logo
NBFC

InCred Personal Loan

Quick access to funds with flexible repayment options and a seamless digital application process.

Apply for InCred LoanCalculate Monthly EMI
InCred logo

NBFC

InCred

Compliance Status

RBI Regulated Lending Institution

About InCred

InCred Personal Loan offers unsecured financing for medical emergencies, weddings, travel, education, home renovation and other personal expenses. Eligible borrowers can access competitive interest rates, flexible repayment tenures and quick digital approval with minimal paperwork. Whether you're salaried or self-employed, InCred provides convenient borrowing solutions designed to meet short-term and long-term financial needs.

Loan Features & Particulars in Detail

Review comprehensive fee schedules, limits, and operational tenures for InCred.

ParticularsDetails
Loan Amount50,000 to 15,00,000
Interest RateStarts From 13.49%
Loan Tenure12 Months to 60 Months
Disbursal Time24 Hours
Processing FeeStarts from 2%
Foreclosure ChargesAs Per Bank's Policy

Criteria & Documentation

Verify borrower qualifications before initiating your application.

Age Requirement

Between 21 and 65 years at time of maturity.

Minimum Income

Monthly net salary of ₹20,000+ for salaried professionals.

Credit Score

Preferred CIBIL score of 700+ for optimal interest rates.

Employment

Minimum 1 year total work experience with 6 months in current firm.

Why Choose InCred

Competitive Interest Rates

Attractive annual percentage rates structured for your disposable income.

Fast Digital Sanction

Instant in-principle sanction with electronic agreement signing.

Zero Collateral Needed

100% unsecured borrowing without pledging personal property or gold.

Flexible Repayment Tenures

Tenures spanning up to 84 months for smooth monthly EMI planning.

Understand Your Loan: Annual Percentage Rate (APR)

The APR represents the true annualized cost of borrowing with InCred. It accounts for the nominal interest rate, processing charges, documentation fees, and mandatory stamp duties. Personal loan APRs generally range between 11.2% and 36% based on borrower risk profiling and income documentation.

Representative Example: A ₹5,00,000 personal loan at 10.50% interest for 3 years with a 2% processing fee (₹10,000) corresponds to a monthly EMI of approx. ₹16,253 and an effective APR of 11.89%.

Ready to Apply for InCred Personal Loan?

Check your eligibility in 2 minutes with zero impact on your CIBIL score.

Start Application
Partner FAQ

Frequently Asked Questions

Common inquiries about InCred personal loans.

01What is the maximum loan amount offered by InCred?
Eligible borrowers can apply for personal loans based on their income and repayment capacity.
Interest rates vary according to your credit profile, income and lender assessment.
Both salaried and eligible self-employed individuals meeting the lender's criteria can apply.
No. InCred Personal Loan is an unsecured loan and does not require collateral.
Loans are generally disbursed after successful verification and approval.