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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
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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