Kissht - EMI without credit card - 0% EMI Finance APK is a free app listed in Finance Apps. Download this apk on your android phone to install this app
Kissht is India’s fastest credit app where one can avail purchase financing and personal loan for mobile phone, laptop, camera, & many more electronic gadgets on EMI without credit card with instant finance. With Kissht, bid adieu to your financial worries! Get credit with zero collateral and interest rate ranging from 14% - 22% per annum for a tenure of 3 months to 15 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 15 months tenure. This loan can be used to make purchases at Flipkart, Makemytrip, etc. 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. 3. Credit Limit: 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 behaviour, 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.
Features: 1. 100% online (paperless) process 2. Minimal documentation 3. No Credit Card required 4. No collateral required 5. Secure transaction (128-bit SSL encryption) Eligibility Criteria: 1. Indian Nationality 2. Minimum age of the applicant should be 21 years 3. Minimum monthly income: • Salaried Professional: Rs. 12,000/- • Self-employed: Rs. 15,000/- Documents: 1. Address Proof (either of AADHAR Card/Latest Utility Bill/ Valid Rent Agreement) 2. PAN Card 3. Last 3 Months’ Bank Statement 4. 1 Signed ECS Form for auto-debit
Amount, Tenure, Fees & Charge : Loans range from ₹3,000 to ₹1,00,000 with tenure ranging from 3 months to 15 months. Interest rates range from 14% to 22% per annum based on the risk profile. Penalty charges are charged only when a customer defaults or delays their loan repayment schedule in spite of reminders. The APR ranges from 22-28%** depending on the product availed, risk profile, and creditworthiness of the customer. In addition to it, GST applies only to the fee components as per Indian laws.
----------------------------------- **APR Example A new salaried customer (low risk) can avail a loan of ₹30,000 at an interest rate of 18% with a processing fee of ₹750 for a tenure of 12 months. The APR is 22.91%. Interest Calculation Loan amount: ₹30,000 Interest Rate: 18% per annum Tenure: 12 months Interest Payable: ₹3,005 Equally Monthly Installments (EMI) : ₹2,750 per month --------------------------------- Other Offers 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% Loan Amount: Rs. 48,000 for iPone @ 20% interest rate per annum, Tenure of 15 months, Processing fee: Rs.1,200. EMI amount: Rs. 3643/month. APR: 24.03% Privacy & Security: Privacy and security of your data are of top priority to us. It is transferred over a secure connection and isn't shared with anyone without your consent. All the transactions on Kissht are secure via 128-bit SSL encryption.
Contact Us: 1. For queries regarding your product purchase, feel free to call us on our customer care number - 022-62820570 2. You can also write to us at [email protected] 3. To stay updated with our new launches and offers, follow us on our Social Media handles