Kissht: Instant Personal Loans

OnEMI Technology Solutions Pvt Ltd

About this app

Kissht is India’s trusted quick loan app, which offers online instant loans, business loans, & a seamless experience. Whether you need funds for unexpected expenses or business growth, Kissht advance loan app provides you immediate financial assistance.

What is Kissht App?
Kissht offers online personal loans of up to ₹5,00,000 with minimal documentation. In just 5 minutes, you can apply for a personal loan and get your funds. Furthermore, Kissht provides competitive business loans to meet entrepreneurs' needs, enabling them to access capital quickly.

Example of Unsecured Personal Loan
Loan amount (Sanctioned): ₹ 1,25,000.
Tenure: 24 months.
Interest Rate: 33% per annum.
Processing Fee (incl. GST): ₹ 8,850.
Total Interest: ₹ 47,467.
EMI: ₹ 7,184.
APR: 41 %.
Sanctioned Loan amount is ₹ 1,25,000.
Net Disbursed amount is ₹ 1,16,150.
Total loan repayment amount is ₹ 1,72,416.
Total Cost of the Loan = Interest Amount + Processing Fees = ₹47,467 + ₹8,850 = ₹56,317.

We work with RBI-registered NBFCs. These NBFCs are as follows:

-Si Creva Capital Services Pvt Ltd
-MAS Financial Services Ltd
-Northern Arc Capital Ltd.
-Piramal Capital & Housing Finance Ltd.
-SMFG India Credit Co. Ltd.




How to apply for Kissht instant loan?
1. Install Kissht app

2. Register with a mobile number & accept basic permissions

3. Complete 100% digital KYC for an instant credit check

4. Sign online loan agreements from approved NBFCs

Why Choose Kissht for Your Instant Personal Loan Needs?
Whether it’s for an emergency or business growth, Kissht provides instant loan & financial assistance with flexible repayment plans.

Kissht stands out among loan apps by providing quick, reliable, and secure instant small loans. This is the cash loan app that can help you get a quick personal loan to manage emergencies or meet your financial goals. Further, Kissht offers a convenient online loan application process with transparent terms and competitive interest rates. Our low-interest loan and easy repayment plans make managing finances stress-free.

The Expense tracker feature analyzes your transactional messages to provide insights into your spending habits, including summary of your expenses and income across categories.

What Makes Kissht a Unique online instant loan app?
1. Easy Approval: Get instant loans online with minimal documentation in a fully digital process.
2. Instant Fund Transfer: With The Kissht advance loan app, you can get funds directly transferred to your bank account.
2. Safe & Transparent: Kissht prioritizes user safety and follows RBI guidelines for collections. Our processes are transparent, with no hidden charges.
3. Customer-Centric: We adopt a human-first approach, ensuring a delightful experience at every interaction.
4. Competitive Rates: Enjoy a lower-interest loan with flexible repayment options.

Our Commitment to Customer Safety
All communication for payment reminders is done via registered landline numbers only. We never use personal mobile numbers, foreign numbers, or VOIP calls.
Payments are collected only through our app or website. We never request payments to personal accounts or demand commissions on dues.
Our collection processes strictly follow RBI and MeitY guidelines. All calls are monitored and recorded to ensure no threats or abusive language are used.
The Kissht app respects your privacy — it does not access your Contacts List, and we do not contact your friends or relatives regarding loan repayments.


Contact Us:
1. Write to [e-mail] OR call our customer care number on 08044745884 /
08062816309.

2. Share with us a screenshot or recording of the message or call.

Address:
10th Floor,
Tower 4, Equinox Park, LBS Marg, Kurla (West), Mumbai - 400070

Need quick access to funds? Download the Kissht loan app today! This trusted app offers online personal loans up to ₹5,00,000 with minimal documentation, competitive interest rates, and a seamless experience.

Ratings and reviews

Title: Fast Approval, but High Interest Rates > I tried the Kissat Instant Loan App when I needed urgent funds, and the approval process was surprisingly quick — I got my loan in less than 30 minutes. The app interface is simple and easy to use, and uploading documents was hassle-free. However, the interest rate was quite high compared to some other loan apps I’ve used. Also, the repayment period was a bit short, which could be challenging for some users.

I've had a great experience using the Kissht app! The interface is simple and user-friendly, making it easy to apply for a loan or shop on EMI without any hassle. The approval process is quick, and I received the amount in my account within hours. What I liked the most is their transparent EMI plans with no hidden charges. It’s perfect for people looking for instant credit support.

Used this app regularly, but poor customer support changed my view. I was unfairly charged bounce fees higher than my EMI, even though I have make the payment before due date. The transaction failed, got refunded, and I repaid immediately. Still, they denied my penalty waiver despite proof. Other apps like LazyPay and mPokket are far better. I no longer recommend this app—look for more customer-friendly alternatives.

What’s new

1. Minor bug fixes and under the hood improvements