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InCred Personal Loan

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Fully Digital Borrowing Process

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Highest Approval Chances

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End-to-End Expert Assistance

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Loan Disbursal in 15 minutes

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4.2/5

2839 Reviews

51M+Satisfied Customers
65+Lending Partners
800+Cities across India

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

About InCred Personal Loan

  • InCred offers personal loans at competitive rates to meet personal financial requirements.
  • Applicants can experience a completely digital, end-to-end personal loan journey on the Paisabazaar platform.
  • Both self-employed and salaried applicants can apply for the InCred personal loan in case their net monthly income exceeds Rs. 15,000.
  • The loan approval is based on the repayment capacity and creditworthiness of the applicant.
  • These loans are collateral-free, require minimal documentation and offer flexible end-usage.

InCred Personal Loan Highlights

Interest Rates 16% p.a. onwards
Loan Amount Up to Rs. 15 lakh
Loan Tenure Up to 5 years
Preclosure Charges Applicable as per the loan agreement

InCred Personal Loan Interest Rates

InCred Personal Loan interest rates (fixed) start at 16% p.a. Although InCred has not disclosed offering different personal loan interest rates for its loan applicants based on their credit scores, monthly income, occupation profile, employer’s profile, etc., most lenders consider these factors while setting the personal loan interest rates of their loan applicants.

Fees and Charges for Availing InCred Personal Loan

The personal loan processing fees and other charges for availing InCred Personal Loan are as follows:

Loan Product Interest rates (p.a.)
Preclosure Charges
  • Applicable as per the loan agreement
  • Loan applicants can prepay their personal loans anytime within the loan tenure after paying their 6th EMI. No part-prepayment permitted.

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All Your Needs

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Eligibility Criteria for Availing InCred Personal Loan

The personal loan eligibility criteria set for loan applicants availing InCred Personal Loans are as follows:

  • Resident Indian
  • Age: 21 to 60 years
  • Minimum monthly income of Rs 15,000

InCred Personal Loan Documentation Required

The personal loan documents required for loan applicants availing InCred Personal Loans are mentioned below:

  • PAN card
  • issued ID proof like Aadhaar card, Voter's Identity Card, Driving License and Passport
  • Bank statements of the last 3 months
  • Income proof documents

Note: InCred may ask its loan applicants to provide additional home loan documents, if necessary, based on the loan applicant’s profile.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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Avail Personal Loan For
All Your Needs

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FAQs

The maximum loan amount that you can avail on your InCred Finance personal loan is Rs. 15 lakh, subject to your eligibility.

The current interest rate for InCred personal loan starts at 16% p.a. and may go up to 60% p.a. However, the interest rate offered may vary based on the applicant’s credit profile.

You can avail an InCred personal loan either through the official website of InCred Finance or via Paisabazaar.com.

You can use your InCred personal loan for various purposes like medical emergencies, travel expenses, weddings, or consolidating debts. These loans are offered to meet personal financial needs and come with no end-use restrictions.

InCred personal loans are usually disbursed within 15 days.

Personal Loan Articles

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How Have Personal Loans Advanced Over the Past few Years

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Factors To Consider While Selecting a Personal Loan Lender

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Paisabazaar16 Jul 2025
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Instant Personal Loan Apps: Avoid These 5 Pitfalls

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Reasons for Delay in Personal Loan Processing

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Paisabazaar09 Jul 2025
APR vs Interest Rate in Personal Loans: What’s the Difference? - Article image

APR vs Interest Rate in Personal Loans: What’s the Difference?

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Bhumika Khandelwal07 Jul 2025
Tips to Choose an Ideal Personal Loan Tenure - Article image

Tips to Choose an Ideal Personal Loan Tenure

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Paisabazaar07 Jul 2025
View All Articles
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What our customers say

Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

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Mohit YadavDec 3, 2025

Same day approval. wow.

The loan was approved the same day — super smooth and transparent process.

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Paisabazaar helped me compare multiple loan offers in minutes, and I got the best rate without any paperwork.

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Itna Badhiya Rate and Service Hai!

Apke yaha itna acha interest rate mil gya market mei sabse kum and service toh aur bhi achi h. thank you.

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Best Interest Rate Offer

Got the best interest rate on your website. Best assistance and seamless experience.

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Best Marketplace to Shop for Loans

Your website is the best to apply for a personal loan. Got my loan disbursed within 3 days. So easy and hassle-free.

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Fast loan approval

I got my loan approved within 24 hours. The process was fast, transparent, and reliable, exactly what I was looking for.

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Best place to compare loans

I was able to compare offers from multiple lenders on a single platform. This not only made my search easy but also saved a lot of time which was otherwise not possible if I checked with different lenders separately.

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Ashok SinghDec 1, 2025

Quickest Disbursal and Best Offer

I have got a personal loan from other platforms in the past. But your website is the quickest and the easiest place to get a loan. Great work!

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Sachin SharmaNov 25, 2025

Super easy loan process and free credit score too

I was unsure about eligibility, but the platform showed instant offers based on my credit score.

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Sumit SharmaNov 24, 2025
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