If you’re thinking of taking a loan from InCred, run the other way. This whole experience has been a mess:
Executives are incompetent and inefficient, constantly asking for the same documents, over and overlike a broken loop from hell
Interest rates so exorbitant you might think its performance art .
Their customer support is rude AF, making baseless assumptions about your finances while ghosting actual hard evidence you send .
Theyre literally harassing peoplecall frequency hitting double digits a day, according to lowest-rated iOS reviews .
😡 I begged for a ₹;25K EMI break during unemployment, offered proof. They said lol nope, forced me to pay full amount, and dismissed me like a bug.
Final verdict: If you want sleepless nights, endless calls, predatory interest and zero empathyInCred is your one-stop shop. Otherwise, use PSU banks or stay in your wallet and save your sanity.