Kissht
Get instant personal loans up to ₹5,00,000 with flexible repayment, easy digital application, and no hidden charges. Fast approval and direct bank transfer.
Kissht stands out as a robust online lending platform designed for those needing quick access to credit. Whether addressing unexpected expenses or business needs, Kissht delivers quick personal loans up to ₹5,00,000. The app is highly rated, boasting a 4.4-star rating from over 1.2 million reviews.
When it comes to interest, Kissht personal loans typically have an APR of up to 41%, with the illustrative example showing a 33% per annum interest rate over 24 months. Processing fees may apply, with the clarity and transparency that Kissht highlights as a key offer advantage.
How to Apply: Kissht Instant Loan Steps
- Download and install the Kissht app
- Register using your mobile number
- Complete the quick and simple digital KYC
- Sign required loan agreements electronically
- Receive instant loan approval and have funds sent directly to your bank account
Key Strengths of Kissht Loans
Kissht’s biggest advantage lies in its lightning-fast online application and fund disbursement process. Many users report being able to get approved within minutes.
Flexible loan amounts and repayment terms are available, giving borrowers more control over their loans. Clear terms and a straightforward interface make for a smooth user experience.
Potential Drawbacks to Consider
While the process is fast and simple, Kissht’s interest rates are generally higher than traditional bank loans, with APRs up to 41% not uncommon.
Some users have also mentioned that the support team could be quicker in their responses, especially for account access issues, and certain features may not be fully accessible outside of India.
Final Verdict
Kissht is ideal for those looking for a hassle-free, fully digital personal loan solution with instant approval and direct bank transfers. Its competitive digital process and flexible terms make it suitable for emergencies and short-term needs, though borrowers should carefully review the total cost of borrowing due to high interest rates.