# Kissht: Instant Personal Loan — Get Quick Loan up to Rs 5 Lakh > Digital loan app for instant personal and business loans in India. (iPhone/iPad app by OnEMi Technology Solutions Limited.) - Source: https://appshunter.io/ios/app/kissht-instant-personal-loan/id6752766331 (this page in markdown: same URL + `.md`) - Developer: [OnEMi Technology Solutions Limited](https://appshunter.io/developer/1140787279) - Category: Finance - Price: Free - Rating: 4.41/5 from 813 App Store ratings · 32 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 130 MB - Languages: American English - Released: 2025-12-14 - Data updated: 2026-09-06 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/kissht-instant-personal-loan/id6752766331/reviews.md ## What is Kissht? Kissht is India’s trusted digital loan app, which offers quick personal loans, business loans. Whether you are salaried or self-employed, there is credit available for you on Kissht. Avail funds for personal expenses or business growth, Kissht loan app provides you immediate financial assistance. What is Kissht App? Kissht offers online personal loans of up to ₹5,00,000 with minimal documentation. In just 5 minutes, you can apply for a personal loan and get your funds in your bank account. Kissht provides competitive business loans to meet entrepreneurs' needs, enabling them to access capital quickly. Example of Unsecured Personal Loan Loan amount (Sanctioned): ₹ 1,25,000. Tenure: 24 months. Interest Rate: 14.60% per annum. Processing Fee (incl. GST): ₹ 7,375. Total Interest: ₹ 20,912. EMI: ₹ 6,037. APR: 23%. Sanctioned loan amount is ₹ 1,25,000. Net disbursed amount is ₹ 1,17,625. Total loan repayment amount is ₹ 1,45,912. Total cost of the loan = Interest Amount + Processing Fees = ₹ 20,912 + ₹ 7,375 = ₹ 28,287. We work with RBI-registered NBFCs. These NBFCs are as follows:
 -Si Creva Capital Services Pvt Ltd -MAS Financial Services Ltd -Northern Arc Capital Ltd. -Piramal Capital & Housing Finance Ltd. -SMFG India Credit Co. Ltd.


 How to apply for Kissht instant loan? 1. Install Kissht app
 2. Register with a mobile number & accept basic permissions
 3. Complete 100% digital KYC for an instant credit check
 4. Sign online loan agreements from approved NBFCs Why Choose Kissht for Your Instant Personal Loan Needs? Whether it’s for an emergency or business growth, Kissht provides instant loans with flexible repayment plans. - Digital personal loans from ₹10,000 to ₹5,00,000 - Interest rates - 12% to 28.5% p.a. - Tenure - 6 to 60 months - APR range - 18% to 36%* *Note: These numbers are for representation purposes only. The final interest rate & APR will depend on the customer’s credit assessment, as decided by Kissht’s Lending Partner(s). Kissht stands out among loan apps by providing quick, reliable, and secure instant small loans. Kissht loan app helps you get a quick personal loan and business loan to manage emergencies or meet your financial goals. Kissht offers a convenient online loan application process with transparent terms and competitive interest rates. Our low-interest loan and easy repayment plans make managing finances stress-free. What Makes Kissht a Trusted Digital Loan App? 1. Easy Approval: Get instant loans online with minimal documentation in a fully digital process. 2. Instant Fund Transfer: With the Kissht advance loan app, you can get funds directly transferred to your bank account. 2. Safe & Transparent: Kissht prioritizes user safety and follows RBI guidelines for collections. Our processes are transparent, with no hidden charges. 3. Customer-Centric: We adopt a human-first approach, ensuring a delightful experience at every interaction. 4. Competitive Rates: Enjoy a lower-interest loan with flexible repayment options. Our Commitment to Customer Safety 1. All communication for payment reminders is done via registered landline numbers only. We never use personal mobile numbers, foreign numbers, or VOIP calls. 2. Payments are collected only through our app or website. We never request payments to personal accounts or demand commissions on dues. 3. Our collection processes strictly follow RBI and MeitY guidelines. All calls are monitored and recorded to ensure no threats or abusive language are used. 4. The Kissht app respects your privacy, it does not access your Contacts List, and we do not contact your friends or relatives regarding loan repayments. Contact Us: 1. Write to care@kissht.com OR call our customer care number on 08044745884 / 08062816309.
 2. Share with us a screenshot or recording of the message or call.

Address:
10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West), Mumbai - 400070 ## Key features - 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 ## Recent user reviews (10 of 32) All indexed reviews: https://appshunter.io/ios/app/kissht-instant-personal-loan/id6752766331/reviews.md ### 5/5 — Great aap for loan *2026-09-03* 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!" ### 5/5 — My personal experience with this best Indian loan app *2026-08-26* 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. **Developer response:** 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! ### 5/5 — Loan *2026-08-26* 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! **Developer response:** 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! ### 5/5 — Lon *2026-08-14* 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. **Developer response:** 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! ### 5/5 — Fantastic application *2026-06-26* 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 **Developer response:** 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! ### 5/5 — Best loan app *2026-06-24* 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, **Developer response:** 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! ### 5/5 — Reliable loan application *2026-06-13* Kissht is a very user-friendly app with a smooth interface and quick loan approval process. The EMI options are flexible, and the application process is simple and hassle-free. Customer support is responsive, making it a reliable choice for managing personal financing needs. **Developer response:** 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! ### 5/5 — Good *2026-06-09* I’ve been using Kissht for a while now and the experience has been really smooth. Loan approval was quick, process was 100% digital, and customer support was responsive when I had a query. Interest rates and EMI details are transparent with no hidden charges. The app is easy to use and payments are hassle-free. Good app for instant personal loans. **Developer response:** 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! ### 5/5 — Amazing app!!! *2026-06-04* I've had a good experience using Kisht App so far. The app is simple and easy to navigate, even for first-time users. The loan application process was straightforward, and I received updates at every step, which made the experience transparent. Customer support was responsive when I had questions. The interface is clean, and managing repayments is convenient through the app. Overall, it's a helpful option for people looking for a quick and hassle-free digital lending experience. **Developer response:** 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! ### 4/5 — Hassle-free and fast digital loan app *2026-06-04* Super fast onboarding and instant disbursal. The app is completely paperless and very easy to navigate. The interest rates and processing fee are slightly premium, but the speed of getting cash during an emergency makes up for it. Repayment tracking in the app is also quite simple. Satisfied with the service so far. **Developer response:** 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! ## Frequently asked questions about Kissht ### 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. ## Version history (last 5 releases) ### 3.0.2 — 2026-09-04 • Improved app performance • Minor UI refinements • Bug fixes and stability improvement ### 3.0.1 — 2026-08-03 • Improved app performance • Minor UI refinements • Bug fixes and stability improvement ### 3.0.0 — 2026-06-29 • Improved app performance • Minor UI refinements • Bug fixes and stability improvement ### 1.0.6 — 2026-06-05 • Improved app performance • Minor UI refinements • Bug fixes and stability improvement ### 1.0.5 — 2026-04-23 • Improved app performance • Minor UI refinements • Bug fixes and stability improvement --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-06.*