Kissht App Review: In this fast-paced world, where technology has revolutionized the way we live, the need for quick, hassle-free financing options have become a necessity. This is where Kissht App, a digital platform operated by ONEMi Technology Solutions Private Limited, comes into play. Launched in 2015, Kissht App provides multiple credit financing solutions such as online purchase loans, personal loans, and credit lines with attractive interest rates, all on a single platform. In this article, we will delve into the eligibility criteria, features, loan amounts, documents required, and types of loans provided by the Kissht App.
Table of Contents
| Category | Review |
|---|---|
| User Interface | The app has a clean and simple interface that is easy to navigate. |
| Features | It offers a range of features such as instant loans, personal loans, and EMI options. |
| Speed | The app is fast and responsive, with quick loan approval and disbursal. |
| Security | The app uses robust security measures to protect user data and transactions. |
| Customer Support | The customer support team is responsive and helpful, addressing queries promptly. |
| Overall | The Kissht app is a great choice for those seeking quick and hassle-free financing options. |
Eligibility Criteria for Kissht App
To avail of credit financing through Kissht App, customers need to meet the following eligibility criteria:
- Must be an Indian citizen.
- Minimum age must be 21 years.
- Minimum income of Rs. 12,000 per month.
Features and Benefits of Using Kissht App
Kissht App provides several features and benefits to its customers, which are as follows:
- 100% Digital work: The completely online process with no paperwork.
- Multiple brand options: Choose and shop products from a wide range of brand options.
- Minimal documentation: Few documentation formalities are required with paperless work.
- Attractive interest rates: They provide various interest rates ranging from 14% – 28% per annum.
- No credit card: A credit card is not required to get credit from the Kissht app.
- No collateral required: Collateral is not required to get credit from the Kissht app.
- Multiple repayment options are available: You can easily repay loans with multiple repayment options.
- Flexible loan tenure: You can choose your repayment tenure freely.
- Instant approval: You can get instant approval and quick disbursement.
- Security: All the transactions on Kissht are secured via 128-bit SSL encryption & the data is transferred over secured connections.
Kissht App Loan Amounts, Tenure, Interest Rates & Other Charges
Kissht App provides loans ranging from Rs. 10,000 to Rs. 1,00,000, with a tenure ranging from 3 months to 24 months. The annual percentage rate (APR) ranges from 14% to 28% per annum. GST applies as per Indian laws. The interest rates and other charges depending on the product availed, the risk profile, and the creditworthiness of the customer. The penalty is only charged when a customer defaults or delays their loan repayment in spite of reminders.
Documents Required for Kissht App
To avail of credit financing through Kissht App, customers need to provide the following documents:
- Address Proof (AADHAR Card/Latest Utility Bill/ Valid Rent Agreement)
- PAN Card (Permanent Account Number)
- Last 3 Month’s Bank Statement
- 1 Signed ECS (Electronic Clearing Service) form for auto-debit.
How Kissht App Work?
The process of availing of credit financing through the Kissht App is straightforward and consists of four easy steps:
STEP 1: Download and Apply – First, you need to download the Kissht App or visit the official website of Kissht.
STEP 2: Select Loan Product – Select the loan product you wish to avail of.
STEP 3: Upload Necessary Documents – Upload KYC details and all the necessary documents as required by the lender.
STEP 4: Quick Loan Disbursement – Once you get verified by the team, the amount gets credited instantly to your bank account.
Conclusion
Overall, Kissht offers a wide range of financing options to its customers, with attractive interest rates and flexible repayment options. The completely digital process makes it convenient for customers to apply for loans and get quick approvals and disbursements.