The Kissht Instant Loan App is an innovative platform that simplifies borrowing, allowing users to apply for personal loans of up to ₹1,00,000 without income proof. Whether you need funds for emergencies, shopping, or personal expenses, Kissht provides a fast, secure, and hassle-free solution. In this comprehensive guide, we’ll cover all aspects of the app, from loan eligibility to repayment options, ensuring you have all the information you need to make an informed decision.
Why Choose Kissht Instant Loan App?
Kissht stands out for its convenience, speed, and flexibility. Here’s why millions of users trust this app:
Instant Loan Approval: Kissht ensures a seamless experience, allowing you to apply for a loan in just 5-10 minutes directly from your smartphone.
Loan Amount: Borrow anywhere between ₹1,000 and ₹1,00,000 based on your eligibility and creditworthiness.
No Income Proof Needed: You don’t need to submit salary slips or income documents, making it ideal for students, freelancers, or self-employed individuals.
Digital Process: The loan process is entirely online, with no need for physical documentation.
Flexible Repayment Tenure: Repay your loan in EMIs over 3 to 24 months, offering convenience tailored to your financial situation.
Variety of Loan Options: Choose from personal loans, consumer loans, or a credit line that you can use repeatedly without additional approval.
Improves Credit Score: On-time payments help enhance your CIBIL score, making it easier to secure future loans.
100% Secure and RBI Approved: Kissht operates under strict regulatory guidelines, ensuring your financial data is safe and secure.
Convenient EMI Purchases: Shop for products on Amazon, Flipkart, Myntra, and other e-commerce sites using the Kissht credit line to convert payments into easy EMIs.
Diverse Payment Options: Pay your loan EMIs via UPI, debit card, net banking, or bank transfer.
What is Kissht Application?
Kissht is a fintech platform designed to provide instant loans and easy EMI financing for online and offline purchases. It is a trusted lending platform owned by ONEMi Technology Solutions Pvt. Ltd., headquartered in Mumbai, India.
This app bridges the gap between traditional banking and modern digital solutions, enabling users to access funds without complicated paperwork or long wait times.
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Key Features of the Kissht App
Offers multiple financial products like personal loans, consumer loans, and credit lines.
Fully integrated with popular shopping platforms, enabling EMI-based purchases.
Operates on a 100% digital loan approval process, ensuring quick disbursement.
Contact Information:
Phone: 022 62820570
WhatsApp: 022 48913044
Email: care@kissht.com
How to Apply for a Loan on Kissht?
Getting started with Kissht is straightforward. Follow these steps to secure your loan:
Step-by-Step Loan Application Process
Download the App: Visit the Google Play Store or Apple App Store and install the Kissht app.
Sign Up: Create an account using your mobile number.
Submit KYC Documents: Upload your Aadhaar card, PAN card, and a recent selfie for verification.
Check Eligibility: Once your details are verified, the app will check if you meet the eligibility criteria.
Loan Agreement: Review and accept the loan terms and conditions.
Provide Bank Details: Enter your bank account information for loan disbursement.
Receive Funds: Once approved, the loan amount will be credited to your account instantly.
Eligibility Criteria for Kissht Loan Application
To apply for a loan via Kissht, ensure you meet the following requirements:
Nationality: You must be an Indian citizen.
Age: Applicants should be between 21 and 55 years old.
Income: A minimum monthly income of ₹12,000 is required.
Credit Score: A good CIBIL score enhances approval chances.
Aadhaar-Linked Mobile Number: Ensure your mobile number is linked to your Aadhaar card.
Banking Requirements: A savings account with internet banking access is mandatory.
Documents Required for Kissht Loan
When applying for a loan, the following documents are required:
ID Proof: PAN Card.
Address Proof: Aadhaar Card.
Income Proof: Bank statements or salary slips (optional for smaller loans).
Selfie: For identity verification during the application process.
Interest Rates and Charges
The interest rate and charges on a Kissht loan depend on your credit profile:
Interest Rate: Up to 24% annually.
Processing Fee: Up to 2% of the loan amount.
GST: An additional 18% GST is applicable on the processing fee.
Penalty Charges: Late payments may attract penalties.
Note: While the interest rate is competitive, loans without collateral may have slightly higher interest rates.
Repayment Options
Kissht offers flexible repayment options, enabling you to select a tenure that suits your financial situation. Timely repayment not only reduces the burden of interest but also boosts your CIBIL score.
Using Kissht for EMI Purchases
The Kissht app allows you to shop on top e-commerce platforms like Amazon, Flipkart, Myntra, and more. With the credit line feature, you can:
Select a product on these platforms.
Use the Kissht credit line to pay for the purchase.
Convert the payment into easy EMIs, which can be repaid over a convenient tenure.
Advantages of Using Kissht App
Simplified loan application process.
Multiple financial products under one platform.
A safe and regulated platform for borrowing.
Instant access to credit for shopping needs.
Enhances credit score with responsible usage.
Important Considerations
Before applying for a loan, keep the following in mind:
Borrow only what you can repay comfortably.
Review the interest rates and fees carefully.
Ensure timely repayment to avoid penalties and improve your credit score.
Download Kissht App Today!
The Kissht Instant Loan App makes borrowing simple, fast, and secure. Whether you need quick funds or want to shop with EMI convenience, Kissht is your go-to solution.
With Kissht, financial freedom is just a few taps away. Try it today!
