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
● No Hidden Charges
● 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:
1.⁠ ⁠Si-Creva Capital Services Pvt. Ltd.
2.⁠ ⁠⁠Northern Arc
3.⁠ ⁠⁠MAS Financial Services Ltd.
4. Utkarsh Small Finance Bank

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
✔ Seamless and reliable UPI payments

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

"RING" 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..

I have been using this app for a while now and I really enjoy it. It is one of the best apps that allow you to pay for your purchases with your Ring credits, which are easy to earn through small transactions such as buying a pack of gum or taking out cash from an ATM machine. The app also offers additional rewards like gift cards, movies & music subscriptions, vouchers etc., all at discounted rates compared to what they would cost in store! It's very simple and easiest 1 personfound”

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