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InCred Personal Loan: How to Apply Securely Online

Personal loans are among the many financial products and services offered by InCred. InCred Personal Loans provide a quick and straightforward application procedure, ensuring that they’re easy to obtain. Individuals with little to no credit may be able to obtain an InCred personal loan. With an excellent InCred personal loan rate of interest, it is a perfect product for meeting a variety of financial demands.

In advance of applying for a personal loan, investigate the interest rates of several lenders. Some lenders provide cheaper interest-rate loans than competitors. As a result, it is best to look at it first and then apply it. Aside from interest rates, other factors to consider include processing charges, late payment fees, and so forth. As a consequence, you may be able to determine which lending institution should be considered for a personal loan.

Furthermore, don’t submit applications for a personal loan with more than one institution at the same time. Having a good credit score may assist you in getting a cheaper interest rate or a longer time frame to repay a personal loan.

Personal Loan Highlights
Interest Rate21% p.a. onwards
Loan AmountUp to Rs 10 Lakhs
TenureUp to 5 years
Minimum Monthly SalaryRs 15,000
Processing Fee1% – 4%

Features and Benefits of InCred Personal Loan

1) There is no need for collateral or a security guarantee to acquire the loan.

2) The loan is also available to individuals with no credit history.

3) The loan amount ranges from Rs. 50,000 to Rs. 10,00,000.

4) The interest rate on InCred personal loans ranges from 21 to 33%.

5) Personal loans from InCred get credited right away to bank accounts.

6) You can take out the loan for as long as you like. You have a choice of 12, 24, 36, 46, or 60 months.

7) Loans may be repaid in equal monthly installments (EMIs).

8) Prepayment of the loan is permitted after the sixth installment, subject to payment of the agreed-upon charges.

9) Loan prepayment in part is not permitted.

10) The loans are tailored to each customer’s specific borrowing needs.

11) The application process is simple and speedy.

11) The entire application and loan disbursement process can be handled online, minimizing the necessity to visit a bank.

13) Loans are disbursed rapidly to assist borrowers in meeting their obligations.

14) A balance transfer facility is offered under InCred’s current policies.

15) The interest rate on personal loans is between 16 and 36%.

16) They have eliminated unnecessary, restrictive, and outmoded lending practices, allowing them to focus on their customers’ present demands and circumstances.

17) They are interested in being the perfect combination of traditional banking institutions and new-age financial technology firms like Refer Loan, making borrowing easier and more convenient.

The requirements for applying for an InCred personal loan

  • The person applying must currently reside in India.
  • The applicant must be at least 21 years old and no older than 56 years old.
  • A monthly paycheck of Rs. 15,000 is required.
  • Minimum CIBIL Score – 650+

Required Documents To Apply For Incred Personal Loan

  1. KYC of Applicant (Adhar Card+Pan Card+Passport Size Photo)
  2. Last 3 month Salary Slip
  3. Last 6 month Bank Statement in PDF
  4. Form 16 of last 2 year
  5. Rent Agreement if rented or Utility Bill if residence is owned
  6. Sanction Letter of all current running loan if any
  7. Office ID Card or Official EMAIL ID if any

How to apply for an InCred Personal Loan?

The application procedure for InCred personal financing is straightforward and quick to complete. Everything is done via the web, and loans are paid out within 48 hours. Let’s go over the app’s step-by-step procedure.

  1. Go to the InCred organization’s official website.
  2. Navigate to the “Personal Loans” subsection.
  3. Input your mobile phone number.
  4. You will be given an OTP; input it on the website.
  5. You will be directed to a website where you must provide basic information.
  6. Enter information, such as:
  • PAN card
  • Name b
  • Email Address
  • Monthly Income (a minimum of Rs. 15,000 is required)
  • Birth date
  • Present pin code
  1. Choose between “salaried” and “self-employed” as your employment category.
  2. Study carefully the “Terms and Conditions.”

  3. Tick the “I agree to the Terms and Conditions” box.
  4. Press the “Continue” button.

11 That’s all there is to it! Patiently wait for a response from the InCred people.

How Can you apply for an InCred Personal Loan through Refer Loan?

If you are looking for a seamless process to avoid the complicated loan application process, you can apply easily through Refer Loan’s website.


1) Once you’ve finished reviewing the details, charges, and necessary documentation for personal loans, confirm eligibility.

2) You’ll be taken to the application page. Enter the basic information requested.

3) Select Eligible Offers to see InCred offers that are accessible to you based on what you’re eligible for.

4) Select Next.

5) An OTP will be sent to your mobile device. For authentication, input this OTP.

6) Send in your application.

Have fun with life to its maximum without thinking about monetary resources. A personal loan might help you support your pursuit of happiness.


InCred is a modern financial services startup that seeks to streamline borrowing into a simpler and quicker process. It reduces the need for comprehensive records and branch visits. The entire application procedure can be completed from the comfort of one’s own home, and loan payout typically takes between 12 and 48 hours. InCred stands apart in that it provides loans to people who have no credit history or credit score.

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