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Kissht: Instant Personal Loan

Kissht: Instant Personal Loan

Get Quick Loan up to Rs 5 Lakh

813 ratings
32 reviews
💰 Finance

Details

  • Released
  • Updated
  • December 14, 2025
  • September 4, 2026

Features

Developer

OnEMi Technology Solutions Limited
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About

This app provides quick personal and business loans up to ₹5 Lakh with minimal documentation. It offers a fully digital application process, instant fund transfers, and flexible repayment plans. Partnering with RBI-registered NBFCs, it aims for secure and transparent financial assistance.

✓Instant personal loans up to ₹5 Lakh
✓Business loans for entrepreneurs
✓Minimal documentation required
✓Fully digital KYC and application
✓Direct fund transfer to bank account
✓Flexible repayment plans
✓Transparent terms and competitive rates
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What's New in Kissht

3.0.2

September 4, 2026

• Improved app performance • Minor UI refinements • Bug fixes and stability improvement

More

Events

Read more about Instant Loans for Quick Cash!
Event EndedSpecial Event

Instant Loans for Quick Cash!

No Savings Left? Get An Online Personal Loan Now!

Jun 24, 2026 — Jul 11, 2026

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User reviews

Most RecentHighest RatedLowest Rated

Great aap for loan

This app is fantastic! The interface is clean and easy to use, even for beginners. The verification process was completely digital, and the approval came in just a few minutes. The entire journey from application to money in my account was seamless and fast. Highly recommended for urgent financial needs!"
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NikolightsNikolights

My personal experience with this best Indian loan app

I’ve had a great experience using the Kissht app. The application is easy to use, the process is simple and convenient, and the overall experience is smooth. The interface is user-friendly and makes managing everything hassle-free. Definitely a useful app for anyone looking for a convenient digital finance solution.
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AbetfxgAbetfxg

Response from developer

Dear User, Thank you for rating us 5 stars! Your support means a lot to us. We look forward to continuing to serve you better. If you’re happy with our service, please feel free to recommend us to others. Thank you!

Loan

This app I had a seamless experience using the Kissht app for a quick personal loan. The application process was entirely digital and took less than 10 minutes to complete with minimal documentation. Approval was fast, and the loan amount was credited directly to my bank account without any unnecessary delays.
The user interface is clean, intuitive, and easy to navigate. I also appreciate the transparent fee structure and flexible repayment options, which make managing monthly EMIs straightforward. Customer support was responsive when I had a quick question regarding my repayment schedule. If you are looking for a reliable, fast, and hassle-free instant credit option, Kissht is definitely worth checking out!
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DshjssḥgDshjssḥg

Response from developer

Dear User, Thank you for rating us 5 stars! Your support means a lot to us. We look forward to continuing to serve you better. If you’re happy with our service, please feel free to recommend us to others. Thank you!

Lon

This loan app I easy to use and the application process is quick and simple. The interface is user friendly and approved is fast compared to other apps. However, the interest rates are a bit high, so it's important to read all terms carefully before applying. Customer support is decent but could be more responsive.
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Arjun9209Arjun9209

Response from developer

Dear User, Thank you for rating us 5 stars! Your support means a lot to us. We look forward to continuing to serve you better. If you’re happy with our service, please feel free to recommend us to others. Thank you!  

Fantastic application

Kissht is a known name in the Indian digital lending space and the app looks clean and easy to use. The loan application process is simple and mostly paperless, which makes it convenient for users who need quick funds in emergencies. The interface is user- friendly and the app performance feels smooth after recent updates.

However, users should be cautious before

taking a loan. The interest rates,

processing fees, and late payment

charges are not always clearly highlighted

upfront, so it is very important to read the

terms and conditions carefully before

accepting any offer. Like most instant

loan apps, it may ask for multiple

permissions, which could be a concern

for privacy-conscious users.

This app is suitable for short-term

financial needs if you are confident about

timely repayment. Missing EMIs can lead

to high penalties and additional charges.

Overall, Kissht is not a scam, but it is also

not a low-cost loan optio
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Ankitsingh.inAnkitsingh.in

Response from developer

Dear User, Thank you for your wonderful 5-star rating! We truly appreciate your support and trust in our services. Your feedback motivates us to serve you even better. We would be grateful if you could share your experience with your family and friends. Thank you for being with us!  

See 27 more reviews

FAQ

What is the maximum loan amount I can get with Kissht?

Kissht offers digital personal loans ranging from ₹10,000 to ₹5,00,000. The final sanctioned amount depends on your credit assessment by Kissht's lending partners.

What are the interest rates and tenure for Kissht loans?

Interest rates range from 12% to 28.5% per annum, with tenures from 6 to 60 months. The Annual Percentage Rate (APR) can range from 18% to 36%.

How long does it take to get funds from Kissht?

You can apply for a personal loan in just 5 minutes, and funds can be transferred directly to your bank account. The entire process is designed for immediate financial assistance.

Does Kissht have ads?

Yes, Kissht contains advertisements. As an ad-supported application, it displays advertisements to users.

What documentation is needed to apply for a loan with Kissht?

Kissht requires minimal documentation for loan applications. You will need to complete a 100% digital KYC process as part of the application.

Which NBFCs does Kissht work with?

Kissht partners with RBI-registered NBFCs including Si Creva Capital Services Pvt Ltd, MAS Financial Services Ltd, Northern Arc Capital Ltd., Piramal Capital & Housing Finance Ltd., and SMFG India Credit Co. Ltd.

Is Kissht a safe and transparent loan app?

Kissht prioritizes user safety and follows RBI guidelines for collections. The app emphasizes transparent processes with no hidden charges and aims for a customer-centric experience.

What is the age rating for Kissht?

Kissht is rated 4+ and is suitable for users aged four and above.