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<h1><b>Introduction</b></h1><br> <br>Kissht is India’s fastest credit app where one can avail purchase financing and revolving line of credit. The purchase financing can be availed for mobile phone, laptop, camera, & many more electronic gadgets. Further, 2 years revolving line of credit can availed, akin to credit card. With Kissht, bid adieu to your financial worries! <b>Get credit with zero collateral and APR ranging from 14% - 31% per annum for a tenure of 3 months to 24 months.</b> Avail any amount starting from Rs. 3,000/- to Rs. 1,00,000/- depending on your eligibility.<br><br><br><h1><b>Loan Types</b></h1><br><br>1. Online Purchase Loan - Kissht is a one-stop destination to get your desired products like smartphones, laptops, cameras, and any latest electronics on EMI and repay within <b>3 months to 24 months tenure.</b> This loan can be used to make purchases at Flipkart, Makemytrip, etc.<b>The APR is between 14% and 24%.</b><br><br>2. Personal Loan - Kissht also offers Personal loans for salaried & self - employed<br>professionals for their various needs. The amount ranges from Rs. 3,000 to Rs.<br>1,00,000/- with a tenure ranging from 3 months to 15 months, depending on the<br>person’s eligibility.<b>The APR is between 16% to 28%.</b><br><br>3. Revolving line of credit - Kissht also offers credit limit for <b>2 years (24 months).</b> This is a revolving credit facility, where the customer can avail the limit seamlessly for next 2 years, till the customer is paying on-time. To incentivize better credit behavior, the customer is offered waivers and reduction in instalment amount for timely payments.The customer can avail upto a credit limit of Rs. 30,000. <b>The APR is between 20% and 31%.</b><br><br><br><h1><b>Amount, Tenure, Fees &Charge</b></h1><br><br>Loans range from ₹3,000 to ₹1,00,000 with <b>tenure ranging from 3 months to 24 months. The APR ranges from 16 to 31%</b> depending on the product availed, risk profile, and creditworthiness of the customer. Penalty charges are charged only when a customer defaults or delays their loan repayment schedule in spite of reminders. In addition to it, GST applies as per Indian laws.<br><br><br><h1><b>APR Examples</b></h1><br><br>1. A new salaried customer (low risk) can avail a loan of ₹30,000 at an interest rate of 18% with a processing fee of ₹750 for a tenure of 12 months. The APR is 22.91%.<br>Interest Calculation<br>Loan amount: ₹30,000<br>Interest Rate: 18% per annum<br>Tenure: 12 months<br>Interest Payable: ₹3,005<br>Equally Monthly Instalments (EMI): ₹2,750 per month<br><br>2. Loan Amount: Rs. 20,000 for OnePlus 5 @ 16% interest rate per annum, Tenure of 6 months, Processing fee: Rs. 300. EMI amount: Rs. 3490/month. APR: 21.33%<br><br>3. Loan Amount: Rs. 48,000 for iPhone @ 20% interest rate per annum, Tenure of 15 months, Processing fee: Rs.1,200. EMI amount: Rs. 3643/month. APR: 24.03%<br><br>4. Customer availing a revolving line of credit of Rs. 25,000 for a period of 2 years. Over a two-year period, the total fees (includes processing fees and a one-time initiation fee) charged is 9%. The interest rate is 18% per annum. The APR for the revolving lines come as 28.54%.<br><br><br><h1><b>Features</b></h1><br><br>1. 100% online (paperless) process<br>2. Minimal documentation<br>3. No Credit Card required<br>4. No collateral required<br>5. Secure transaction (128-bit SSL encryption)<br><br>Eligibility Criteria:<br>1. Indian Nationality<br>2. Minimum age of the applicant should be 21 years<br>3. Minimum monthly income of Rs. 12,000/-<br><br>Documents:<br>1. Address Proof (either of AADHAR Card/Latest Utility Bill/ Valid Rent Agreement)<br>2. PAN Card<br>3. Last 3 Months’ Bank Statement<br>4. 1 Signed ECS Form for auto-debit<br><br><br><h1><b>Contact Us</b></h1><br><br>1. For queries regarding your product purchase, feel free to call us on our customer<br>care number - 022-62820570 or WhatsApp us on - 02248913044<br>2. You can also write to us at email@example.com
User reviews affect conversion to installs and app rating. Featured and helpful reviews are the first to be noticed by users and in case of no response can affect download rate. This is why it is highly recommended to reply to them.
One of the top loan app in india. When I was applied to this app and get the loan immediately. They are providing more amount of money with low interest rate. And the repayment process is also very simple. Their dedication and high amount loans approval are veryhelpfull for me.
It's too simple to fulfill your urgent need with the help of this app.....I would suggest kindly increase the basic limit so that one can really use it in need. But after all it was an excellent experience using this app....... really appreciating.
Wonderful app in times of need ,urgent amount disbursement without any inquires. I love it so much .best inthe segment .paperless and immediate just pan and aadhar.and a good looking selfie can make u a loan winner and fulfil ur needs in times of difficulties just like a good friend.
Heavy interest, very short repayment date.. for 15 days they provide 3,100/- and collects 500/- extra in the name of different charges.. and no proper customer care service, simply uses WhatsApp automatic replies and automatic mail system as well.. by chance if you delay the payment one day they will send the threatening mails using POLICE COMPLAINT words in it.. they also give your number to the local recovery agents those who don't even know how to talk properly.. giving petty collecting huge.
Pathetic ! Even worse than pathetic,wish i could rate -1,have taken loan thrice from this app,always paid loans in advance, but last time post payment while applying for loan it showed that i m not meeting eligibility criteria,Just don't know what's wrong with this app,customer care rep told me that as i have changed my mobile that's why IMEI is not matching and loan got rejected, i mean seriously !! Even after sending email they raised a ticket and closed the same w/o giving any solution
Developed by Kissht.
Kissht - EMI without credit card - 0% EMI Finance is ranking in Finance
Last update was at Jan 21, 2020and the current version is 1.6.2.
Kissht - EMI without credit card - 0% EMI Finance was downloaded 5,000,000+ times.
Kissht - EMI without credit card - 0% EMI Finance was downloaded
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Kissht - EMI without credit card - 0% EMI Finance have a 106 118a user reviews.
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