Kissht Loan App Review (2025): Instant Personal Loan Explained
Introduction
In today’s digital world, getting an instant loan has become easier than ever before. With just a few taps on your phone, you can apply for and receive money in your bank account within minutes. One of the most popular instant loan apps in India is the Kissht Loan App.
Kissht allows users to apply for personal loans, shop on EMI, and manage payments completely online. It claims to offer fast approval, minimal documentation, and flexible repayment options. But is Kissht really safe and worth it? Let’s find out.
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What Is the Kissht Loan App?
Kissht is a digital lending platform that provides instant personal loans and consumer durable loans to salaried and self-employed individuals. The company partners with RBI-registered NBFCs (Non-Banking Financial Companies) to ensure that the lending process remains legal and regulated.
You can download the Kissht app from the Google Play Store or Apple App Store, register using your mobile number, upload a few documents, and get loan approval within minutes (if eligible).
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Key Features of Kissht
Here are the main features that make Kissht a popular choice among users:
1. 100% Online Process – From application to approval, everything happens digitally through the app.
2. Loan Amount – Users can get a personal loan of up to ₹5 lakh, depending on their eligibility.
3. Quick Approval and Disbursal – The app promises quick credit into your bank account after verification.
4. Minimal Documentation – Only basic documents like Aadhaar card, PAN card, and a selfie are required.
5. Flexible Tenure – Repayment periods usually range between 3 months to 24 months.
6. Track EMI Easily – You can manage EMIs, payment schedules, and reminders through the app.
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Eligibility Criteria
To apply for a Kissht loan, you must:
Be an Indian citizen aged between 21 and 55 years
Have a stable income (either salaried or self-employed)
Provide valid KYC documents (Aadhaar + PAN)
Maintain an active bank account
The eligibility is determined by your credit score, income proof, and repayment history.
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Documents Required
Aadhaar Card
PAN Card
Recent Passport-size photo or selfie
Salary slip or bank statement (optional, based on loan type)
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Steps to Apply for a Kissht Loan
1. Download the Kissht Loan App from Play Store or App Store.
2. Register with your mobile number and verify using OTP.
3. Upload Documents like Aadhaar, PAN, and selfie for KYC.
4. Select Loan Amount and repayment tenure.
5. Submit Application and wait for approval.
6. Receive Loan Amount directly in your bank account.
Once approved, you’ll receive regular EMI reminders through SMS and email.
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Advantages of Using Kissht
1. Fast and Simple – The entire process takes only a few minutes.
2. No Collateral Required – It’s an unsecured loan, so you don’t need to pledge assets.
3. Flexible EMI Options – You can choose repayment plans that suit your budget.
4. Transparent Charges – Kissht claims to show all fees and interest rates upfront.
5. Customer Support – Users can contact support via the app or website for assistance.
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Disadvantages / Risks
1. Higher Interest Rates – Since these are instant unsecured loans, interest rates can be higher than bank loans (usually 14%–28% p.a.).
2. Short Repayment Tenure – Limited tenure means higher monthly EMIs.
3. Impact on Credit Score – Missing EMIs will directly hurt your CIBIL score.
4. Data Privacy Concerns – Always check app permissions; some loan apps collect excessive personal data.
5. Scam Loan Apps – Many fake apps exist in the market. Always ensure you download the official Kissht app and check if the lender is RBI-approved.
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Is Kissht Loan App Safe?
Kissht claims to partner only with RBI-registered NBFCs, making it relatively safe compared to unregulated apps. According to their website, user data is encrypted and processed securely.
However, users should remain cautious:
Always read the terms and conditions before applying.
Never share OTPs or personal details on phone calls.
Check your credit report regularly to ensure accuracy.
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Interest Rate and Fees
The interest rate and fees depend on your credit profile. Typical charges include:
Type Amount / Rate
Processing Fee 2% – 4% of loan amount
Interest Rate 14% – 28% per annum
Late Payment Fee ₹500 – ₹1000 per missed EMI
Tenure 3 to 24 months
Always review the loan agreement carefully before accepting.
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User Reviews (2025)
Most users appreciate Kissht for its quick disbursal and user-friendly app interface, but some reviews mention high interest rates and strict repayment reminders.
Example review snippets:
“Got ₹20,000 within 15 minutes — very helpful in emergencies.”
“Interest is slightly high, but service is fast.”
“App keeps sending payment reminders even before due date.”
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Tips Before Applying for Any Loan App
1. Compare Different Loan Apps – Check alternatives like LazyPay, CASHe, KreditBee, or PaySense.
2. Borrow Only What You Need – Don’t over-borrow; it affects your repayment capacity.
3. Check Your Credit Score – A good score (700+) increases your chances of approval and lowers interest rates.
4. Read Reviews – Visit Play Store reviews to identify red flags.
5. Pay on Time – Delay can lead to penalty charges and harassment from collection agents.
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Frequently Asked Questions (FAQ)
Q1. Is Kissht approved by RBI?
Kissht itself is not a bank or NBFC but works with RBI-registered lending partners for disbursal.
Q2. Can I take multiple loans at once?
No. You need to repay your existing loan before applying for a new one.
Q3. How long does approval take?
Usually within 15–30 minutes, if your documents are verified successfully.
Q4. What happens if I miss an EMI?
You’ll be charged a late payment fee, and your credit score will drop.
Q5. Can I close my loan early?
Yes. You can prepay your loan anytime, though some processing fees may apply.
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Final Verdict
The Kissht Loan App is a convenient and legitimate way to get small personal loans instantly — especially for salaried individuals or self-employed people who need urgent funds.
However, like any instant loan app, you should be careful. Read the fine print, understand the total cost, and borrow responsibly. Kissht is best used for short-term financial needs, not for long-term borrowing.
Pros: Fast approval, paperless process, easy EMI tracking.
Cons: High interest, short tenure, late fees if EMIs are missed.
If used wisely, Kissht can be a helpful financial tool. But if misused, it can lead to debt traps — so always borrow what you can comfortably repay.
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