RING by Kissht: Personal Loan

OnEMI Technology Solutions Limited

About this app

PayWithRing is a trusted digital platform for applying personal loans and fast UPI payments, your one stop Financial app, which is used by 10 million+ Indians

RING by Kissht is a fully digital lending platform to get quick personal loans from ₹5,000 to ₹5,00,000 in 5 mins with 100% online loan process and same-day loan disbursed, which is tailored for both salaried and self-employed users to meet their financial needs

PayWithRing Personal Loan Offerings
● Loan Amount - ₹5,000 to ₹5,00,000
● Interest rates - Starting from 1% per month
● Tenure - 6 to 60 months
● APR Range (Min-Max): 17%–45%*
● Quick loans & Easy EMI Plans

👉 Why Choose Ring for Instant Personal Loans?

✅ Personal Loan Range: ₹5,000 to ₹5,00,000 to suit every financial need, such as Students/Education Fund, Medical Emergency or Medical Bills, Debt Consolidation, Wedding Expenses, Home Repairs, or Travel.

✅ Attractive Interest Rates: Starting from 1% (p.m), among the lowest in the market compared to other NBFC apps.

✅ Flexible Tenure & EMI Plan: Loan tenure ranges from 6 to 60 months, with flexible EMI payment options for a hassle-free loan repayment experience.

👉 PayWithRing UPI for Faster, reliable, & secure payments!

✅ Set up UPI ID by linking your bank account with your registered mobile number

✅ Send & receive money instantly

Example of Unsecured Personal Loan:

Mr Sachin needed an urgent loan of ₹ 60,000. He applied through the PaywithRing (Powered by Kissht) loan app & it was approved within 5 mins with Digital KYC and zero paperwork. With our quick loan app, you can get a cash loan instantly.

Here’s how it worked.

Loan amount (Sanctioned): ₹ 60,000.
Tenure: 18 months.
Interest Rate: 33% per annum.
Processing Fee (incl. GST): ₹ 4,248.
Total Interest: ₹ 16,858.
EMI: ₹ 4,271.
APR: 44 %.
Sanctioned Loan amount is ₹ 60,000.
Net Disbursed amount is ₹ 55,752.
Total loan repayment amount is ₹ 76,858.
Total Cost of the Loan = Interest Amount + Processing Fees = ₹16,858 + ₹4,248 = ₹21,106.

We work with RBI-registered NBFCs such as:
- Si Creva Capital Services Pvt Ltd
- MAS Financial Services Limited
- Northern Arc Capital Limited
- SMFG INDIA CREDIT COMPANY LIMITED

Steps to apply for Instant Personal Loans

1. Install PayWithRing Personal loan app
2. Register with a mobile number
3. Complete 100% digital PAN & KYC process
4. Choose loan amount & tenure
5. Sign online loan agreements from approved NBFCs
6. Provide bank details
7. Request a money transfer to your bank account

Key Features of PayWithRing Digital Lending App

✔ Quick personal loans in 5 minutes
✔ Competitive Interest Rates
✔ Easy KYC Verification
✔ Instant Loan Approval
✔ Full Transparency
✔ Digital Loan Processing
✔ Easy EMIs

PayWithRing helps you to get Short Term & Long Term Personal Loans

✅ Short Term Loan Amount: 5k, 10k, 15k, 20k, 25k, 30k, 35k, 40k, 45k, 50k Personal Loans
✅ Long Term Loan Amount: 1 Lakh, 2 Lakh, 3 Lakh, 4 Lakh, and 5 Lakh Personal Loans

Why Borrow An Instant Loan Through Ring?

At RING (Powered By Kissht), we care about the safety and well-being of our customers. Our collection processes follow RBI guidelines and reflect our values of empathy and courtesy.

Also, we follow strict guidelines for customer service -
● We use registered landlines to communicate with customers
● We never use personal cell phones, international numbers, or VoIP conversations
● We never ask customers to make payments into personal or private bank accounts. Payments are accepted only through our personal loan app.
● Our loan app cannot access your contact list and other sensitive information without your consent.

Contact Us
In case you have faced any of the above-mentioned situations, do this:
1. Write to [e-mail] OR call our customer care number on
08044745880 / 08062816300.
2. Share with us a screenshot or recording of the message or call.
Address: Office units 2, 3, and 4, 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West), Mumbai -400070

Ratings and reviews

This app has saved my life. I always paid my bills on time and had no credit card Debt, But after getting a restaurant job and Living paychack to Paychack, my credit went down to drain,worse yet, new purchase were impossible without additional overdraft fees. I then found out about the ring app and it changed my world,it's really easy to use and affordable to.....

This app has saved my life. I always paid my bills on time and had no credit card debt, but after getting a restaurant job and living paycheck to paycheck, my credit went down the drain. Worse yet, new purchases were impossible without additional overdraft fees. I then found out about the Ring App and it changed my world. It's really easy to use and affordable too........❤️‍🩹

"This app has saved my life. I always paid my bills on time and had no credit card debt, but after getting a restaurant job and living paycheck to paycheck, my credit went down the drain. Worse yet, new purchases were impossible without additional overdraft fees. I then found out about the Ring App and it changed my world. It's really easy to use and affordable too..... 🥰🥰🥰"

What’s new

UI improvements for enhanced customer experience
Bug fixes and under the hood improvements