Kissht – EMI without credit card – 0% EMI Finance App

Kissht is India’s fastest credit app where one can avail purchase financing and revolving line of credit. The purchase financing can be availed for mobile phone, laptop, camera, & many more electronic gadgets. Further, 2 years revolving line of credit can availed, akin to credit card.

Kissht App Founder & Release Information:

• Founder(s): Karan Mehta, Krishnan Vishwanathan
• Employees: 250+
• Headquarters: Mumbai, Maharashtra, India
• Founded: July 13, 2015

Kissht App Features:

With Kissht, bid adieu to your financial worries! Get credit with zero collateral and APR ranging from 14% – 31% per annum for a tenure of 3 months to 24 months. Avail any amount starting from Rs. 3,000/- to Rs. 1,00,000/- depending on your eligibility.

Loan Types

1. Online Purchase Loan – Kissht is a one-stop destination to get your desired products like smartphones, laptops, cameras, and any latest electronics on EMI and repay within 3 months to 24 months tenure. This loan can be used to make purchases at Flipkart, Makemytrip, etc.The APR is between 14% and 24%.
2. Personal Loan – Kissht also offers Personal loans for salaried & self – employed professionals for their various needs. The amount ranges from Rs. 3,000 to Rs. 1,00,000/- with a tenure ranging from 3 months to 15 months, depending on the person’s eligibility.The APR is between 16% to 28%.
3. Revolving line of credit – Kissht also offers credit limit for 2 years (24 months). This is a revolving credit facility, where the customer can avail the limit seamlessly for next 2 years, till the customer is paying on-time. To incentivize better credit behavior, the customer is offered waivers and reduction in instalment amount for timely payments.The customer can avail upto a credit limit of Rs. 30,000. The APR is between 20% and 31%.

Amount, Tenure, Fees &Charge

• Loans range from ₹3,000 to ₹1,00,000 with tenure ranging from 3 months to 24 months. The APR ranges from 16 to 31% depending on the product availed, risk profile, and creditworthiness of the customer.
• Penalty charges are charged only when a customer defaults or delays their loan repayment schedule in spite of reminders. In addition to it, GST applies as per Indian laws.

APR Examples

1. Loan Amount: Rs. 20,000 for OnePlus 5 @ 16% interest rate per annum, Tenure of 6 months, Processing fee: Rs. 300. EMI amount: Rs. 3490/month. APR: 21.33%
2. Loan Amount: Rs. 48,000 for iPhone @ 20% interest rate per annum, Tenure of 15 months, Processing fee: Rs.1,200. EMI amount: Rs. 3643/month. APR: 24.03%
3. Customer availing a revolving line of credit of Rs. 25,000 for a period of 2 years. Over a two-year period, the total fees (includes processing fees and a one-time initiation fee) charged is 9%. The interest rate is 18% per annum. The APR for the revolving lines come as 28.54%.

• 100% online (paperless) process
• Minimal documentation
• No Credit Card required
• No collateral required
• Secure transaction (128-bit SSL encryption)

Eligibility Criteria:

• Indian Nationality
• Minimum age of the applicant should be 21 years
• Minimum monthly income of Rs. 12,000/-

Documents:

• Address Proof (either of AADHAR Card/Latest Utility Bill/ Valid Rent Agreement)
• PAN Card
• Last 3 Months’ Bank Statement
• 1 Signed ECS Form for auto-debit

Kissht App Google Play Store Information

• Updated: February 17, 2020
• Size: 19M
• Installs: 5,000,000+
• Current: 1.6.9
• Requires: 4.4 and up
• Content Rating: Rated for 3+

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Download App From It’s Store:

Download Kissht Android App From Google Play Store
Download Kissht IOS App From Apple iTunes Store