KRED review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

KRED suits Indian borrowers who want a personal or business loan with no upfront fee and money moving fast. It runs as a marketplace rather than a direct lender, and its APR of 11.49% sits just under the site median of 12%, with funding in 24-48 hours.

Key facts

Best for
Personal and business borrowers in India who want fast funding and no upfront fee.
APR
11.49% (Source, checked September 26, 2026)
Arrangement fee
0 INR (no upfront fee) (Source, checked September 26, 2026)
Funding time
24-48 hours (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Eligibility
Minimum 18 years old and legal capacity; Indian PAN card, mobile number and pincode required (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Business (Source, checked September 26, 2026)
Legal entity
Twominutes Fintech Pvt. Ltd. (Source, checked September 26, 2026)
Headquarters
India (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
lending.kredbharat.com

Pros and cons

Pros

  • No upfront charge: the origination fee is 0 INR (no upfront fee) and the percentage fee is 0%
  • APR of 11.49% against a site median of 12%
  • Funding in 24-48 hours with same-day funding listed as a feature
  • Personal and business lending, so one marketplace covers both needs

Cons

  • Marketplace model, so the lender behind the loan can vary and marketplace is the only clue to it
  • APR of 11.49% ranks 171 of 350 brands, so cheaper offers sit below it
  • Personal and business loans only, with no other loan types listed
KRED

Ready to try KRED?

Scored 8.7 / 10 by BorrowCue.

See alternatives

Who it suits

  • Indian adults with a PAN card, mobile number and pincode who can meet the eligibility terms
  • Borrowers who value speed over the lowest possible rate
  • Small business owners who need working capital as well as a personal loan

Who should look elsewhere

  • Cashspace ES, which lists a fee-free APR of 0% and beats KRED on headline cost
  • Monzo Flex, whose rates run 10% to 23% and suit borrowers comparing a longer fixed period
  • Cashspace, whose rates run PHP 12 to PHP 36 for anyone prioritising a different lender

Who runs it

KRED is operated by Twominutes Fintech Pvt. Ltd., based in India. It works as a marketplace, matching borrowers with lending partners rather than lending from its own balance sheet, so the rate you are offered comes from the partner shown at application. Support runs on email, phone and help centre, which covers email, phone and a help centre, with a published grievance redressal route for complaints.

How KRED compares

Where KRED is available

Available
India

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does KRED charge to arrange a loan?+

There is no upfront charge. The origination fee is 0 INR (no upfront fee) and the percentage fee is 0%, so nothing is taken before the money arrives. The cost of borrowing shows up in the rate instead, which is listed at an APR of 11.49%.

How fast does KRED send the money?+

Funding takes 24-48 hours, and same-day funding is listed among its features. Timing starts once a lending partner approves the application, since KRED runs as a marketplace rather than lending directly.

Who runs KRED and where are they based?+

KRED is run by Twominutes Fintech Pvt. Ltd., with its base in India. Applications need an Indian PAN card, a mobile number and a pincode, plus the legal capacity to take on the loan.

Is KRED regulated and is my money protected?+

No regulator, licence or protection scheme is listed for KRED, so treat the loan as an unsecured agreement with a partner lender. Check the terms of the specific partner named on your offer before you accept, since the terms sit with them.

What kind of loans can I get through KRED?+

KRED covers personal and business loans. Personal borrowing suits a planned expense, while the business side is aimed at working capital. No other loan types are listed, so those wanting a different product should look elsewhere.

How do I get help from KRED?+

Support runs on email, phone and help centre, so you can reach the team by email, by phone or through the help centre. A published grievance redressal process gives you a route to escalate a complaint if a first response does not settle it.

Is KRED cheap compared with other lenders?+

Its APR of 11.49% compares with a site median of 12%. On rank it sits 171 of 350 brands, so lower-cost offers do exist on the same list, and the rate you receive depends on the partner matched, since KRED works as a marketplace.

Does KRED charge a fee for a business loan?+

The same fee structure applies: the origination fee is 0 INR (no upfront fee) and the percentage fee is 0%. Business lending is one of the listed loan types, so the cost sits in the rate rather than in an arrangement charge up front.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Loan amount, Term, Credit check, Representative example.

KRED

KRED

Personal and business borrowers in India who want fast funding and no upfront fee.

8.7/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings