The Kissht Instant Loan App offers a convenient way to access loans of up to ₹1,00,000 without the need for income proof or salary slips. This app allows users to complete the Know Your Customer (KYC) process through their smartphones and obtain personal loans quickly and easily. Here’s an overview of the key features, benefits, eligibility criteria, and how to apply for a loan through the Kissht Instant Loan App.
Kissht Instant Loan App
Key Features and Benefits
Loan Access from Home:
- You can apply for and receive loans entirely from the comfort of your home using your smartphone.
Loan Amount Range:
- Loans can range from as little as ₹1,000 to as much as ₹1,00,000.
No Income Proof Required:
- The application does not require income proof or salary slips, making it accessible to a broader range of applicants.
Quick Application Process:
- The loan application process takes only 5 to 10 minutes.
Multiple Loan Types:
- Kissht offers various types of loans, including cash loans, credit line loans for consumer purchases, and more. You can use the credit line repeatedly without reapplying for approval.
Flexible Repayment Options:
- Loans can be repaid over 3 to 24 months, depending on the loan amount and terms.
100% Digital Process:
- All transactions and document submissions are done digitally via the app, with no need for physical paperwork.
EMI Shopping:
- The app allows you to shop on credit at leading e-commerce sites like Amazon, Flipkart, and Myntra, and pay in easy EMIs.
RBI Approved:
- Kissht is a fintech lending platform approved by the Reserve Bank of India (RBI).
Various Payment Options:
- Payments can be made via debit card, net banking, bank transfer, and UPI.
CIBIL Score Improvement:
- Making timely payments can improve your CIBIL score, facilitating easier access to credit in the future.
About Kissht Application
Kissht is a fintech lending platform operated by ONEMi Technology Solutions Pvt. Ltd. It provides app-based loans and offers various credit products, including personal loans, consumer loans, and credit lines.
Contact Information:
- Address: 202 Peninsula Centre, Dr. S. Rao Road, Parel, Mumbai 400012, India.
- Phone: 022 62820570
- WhatsApp: 022 48913044
- Email: care@kissht.com
How to Get a Loan Through Kissht Application
Eligibility Criteria:
Nationality: Must be an Indian citizen.
Age: Must be between 21 and 55 years old.
Income: Should have a source of income with a minimum of ₹12,000 per month.
CIBIL Score: Should have a good CIBIL score.
Mobile Number: Must be linked to Aadhaar.
Bank Account: Must have a savings account with internet banking.
Required Documents:
- ID Proof: PAN card.
- Address Proof: Aadhaar card.
- Source of Income: Bank statement or salary slip.
- Selfie: A recent photograph of the applicant.
Interest Rates and Fees:
- Interest Rate: Up to 25% per annum, depending on your credit history.
- Processing Fee: Up to 2% of the loan amount.
- Penalty: Late payment may incur additional charges.
- GST: An 18% GST charge applies to all purchases and fees.
Steps to Apply for a Loan
- Download and Install the Kissht App: Available on the Google Play Store and App Store.
- Sign Up: Register using your mobile number.
- Choose Loan Type: Select ‘Fast Cash’ or another loan type as per your requirement.
- Complete KYC: Submit your details and upload KYC documents through the app.
- Check Eligibility: The app will verify your eligibility for the loan.
- Accept Loan Agreement: If eligible, accept the terms and conditions.
- Provide Bank Details: Enter your bank account information for loan disbursement.
- Receive Loan: The approved loan amount will be credited to your bank account within minutes.
Using the Kissht App for Shopping
The Kissht App allows you to shop on credit at over 50 e-commerce websites, including Flipkart, Myntra, Amazon, and more. You can make purchases using the credit line and repay in easy EMIs.
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Important link
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| Home | Click here |
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