Kissht
Unlock instant personal loans up to ₹5 lakh, fast approval, digital KYC, and flexible repayment with competitive interest rates. Trusted by 10M+ users.
Kissht is a popular digital loan app in India providing instant personal and business loans up to ₹5,00,000. The process is straightforward, mainly requiring digital KYC and minimal documentation. The interest rate is competitive for unsecured loans, generally around 33% per annum, with an APR up to 41%. Terms range up to 24 months, and there’s a processing fee that’s transparently disclosed upfront.
Step-by-Step: How to Apply for a Kissht Loan
- Install the Kissht app from the official store
- Register with your mobile number and grant permissions
- Complete digital KYC for instant credit checks
- Review and sign the loan agreement online
- Receive funds quickly once approved
Pros: Why Kissht Stands Out
The application process is entirely digital, giving users a fast and convenient way to access emergency funds. Loan disbursement is quick, sometimes within minutes after approval, making it especially useful for urgent financial needs. Transparent fee structure and adherence to RBI guidelines further build trust.
Cons: Considerations Before You Apply
While the app serves many users well, some reviews mention slow customer support response, especially during technical glitches. The required documentation is minimal, but digital verification can occasionally create delays or denials. Additionally, high-interest rates may not suit all borrowers.
Our Verdict: Is Kissht Right for You?
Kissht offers a quick and digital loan process for those seeking instant access to personal or business credit. If you need immediate funds and can handle the interest rates, Kissht is a trustworthy choice. However, those who prioritize low rates or premium customer support may want to compare alternatives.