A credit line that's ready when you are.
Lincred is a smart credit management platform built to give you a transparent, structured way to view, monitor, and handle your approved revolving credit line — with no cost unless you actually draw on it.
- End-to-end encryption
- Transparent fees, always
- Pay only when you use it
- Revolving credit line
Everything you need, nothing you don't.
Five things that make managing your Lincred credit line feel effortless and completely in your control.
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Your credit, all in one place
Check your approved credit limit, track how much you've used, and review billing details — all from a single, organized screen.
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Borrow on your own terms
You choose when to access your credit and how much to draw. Full control stays with you at every step of the way.
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No hidden surprises
Every fee and usage condition is shown upfront, so you always know exactly what you're agreeing to.
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Zero cost while idle
Keep your credit line on standby without paying a thing. Costs only apply once you put it to use.
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Privacy built right in
Industry-grade encryption and multiple security layers protect your personal and financial information around the clock.
From download to disbursal, in four simple steps.
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Download & register
Get the Lincred app and create your account in just a few taps.
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Verify eligibility
Complete a quick identity and eligibility review to unlock your limit.
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Get your credit line
Your approved limit stays ready in the app, waiting until you need it.
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Use & repay
Draw what you need, repay on time, and your limit refreshes again.
Lincred
Credit line details, laid out clearly.
Lincred uses a transparent, usage-based model. You only ever pay for the days you actually hold the credit — here are the key terms.
Once repaid, your credit line becomes available again up to your approved limit, subject to your current account status and conditions.
- Indicative credit line range
- ₹1,000 – ₹50,000
- Maximum usage period
- Up to 365 days
- Daily usage rate (up to)
- 0.065% / day
- Maximum annualized rate
- 23.73% APR
Example cost calculation
The figures below are for reference only, intended to show how usage-based costs are calculated in practice.
Cost breakdown
Interest cost
₹10,000 × 0.065% × 100 = ₹650
Total repayment amount
Interest is based on the exact number of days you hold the credit. Your actual cost may differ depending on your specific usage period and account terms.
Eligibility requirements
Before you can use the app's core features, you'll need to satisfy the following basic requirements.
- Be at least 18 years old
- Possess a valid identification document
- Meet the basic eligibility criteria defined by the platform
Customer support
Whether it's a billing question, an account issue, or a general inquiry, our support team is just an email away — here to make sure you get the answers you need.
support@lincred.orgYour credit line is waiting.
Download Lincred, complete a quick eligibility review, and keep a flexible credit line ready for the moment you need it.
Get the app