Apks >> Finance >> Kissht - EMI without credit card - 0% EMI Finance

Kissht - EMI without credit card - 0% EMI Finance apk

Kissht - EMI without credit card - 0% EMI Finance apk

Updated On
Jan 17, 2020
App Version
148
 
Updated On
Jan 17, 2020
App Version
148
 

(Similar Apps)
Download Apk

This apk is safe to download from this mirror and free of any virus.

This apk is safe to download

Check Previous Versions

App Info
App Download Version148
Last UpdatedJan 17, 2020
Apk Size19M
App byKissht
CategoryFree Finance App
Content RatingEveryone
Support Android VersionAndroid 19 and above
App Packagecom.fastbankingcom.fastbanking
Get it onGoogle Play
App Screenshot
com.fastbanking
About this app

Kissht - EMI without credit card - 0% EMI Finance apk content rating is Everyone and can be downloaded and installed on android devices supporting 19 api and above.

Introduction



Kissht is India’s fastest credit app where one can avail purchase financing and revolving line of credit. The purchase financing can be availed for mobile phone, laptop, camera, & many more electronic gadgets. Further, 2 years revolving line of credit can availed, akin to credit card. With Kissht, bid adieu to your financial worries! Get credit with zero collateral and APR ranging from 14% - 31% per annum for a tenure of 3 months to 24 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 24 months tenure. This loan can be used to make purchases at Flipkart, Makemytrip, etc.The APR is between 14% and 24%.

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.The APR is between 16% to 28%.

3. Revolving line of credit - 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 behavior, 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. The APR is between 20% and 31%.


Amount, Tenure, Fees &Charge



Loans range from ₹3,000 to ₹1,00,000 with tenure ranging from 3 months to 24 months. The APR ranges from 16 to 31% depending on the product availed, risk profile, and creditworthiness of the customer. Penalty charges are charged only when a customer defaults or delays their loan repayment schedule in spite of reminders. In addition to it, GST applies as per Indian laws.


APR Examples



1. 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 Instalments (EMI): ₹2,750 per month

2. 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%

3. Loan Amount: Rs. 48,000 for iPhone @ 20% interest rate per annum, Tenure of 15 months, Processing fee: Rs.1,200. EMI amount: Rs. 3643/month. APR: 24.03%

4. Customer availing a revolving line of credit of Rs. 25,000 for a period of 2 years. Over a two-year period, the total fees (includes processing fees and a one-time initiation fee) charged is 9%. The interest rate is 18% per annum. The APR for the revolving lines come as 28.54%.


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 of Rs. 12,000/-

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


Contact Us



1. For queries regarding your product purchase, feel free to call us on our customer
care number - 022-62820570 or WhatsApp us on - 02248913044
2. You can also write to us at [email protected]

Whats New

  • A small update for you, a big jump for app performance.
  • Bug fixes and under-the-hood improvements
Apk Permissions
All Versions

Apk Versions available: 148 , 147 , 146 , 145 , 143 , 142 , 141 , 140 , 139 , 138 , 137 , 136 , 135 , 134 , 129 , 128 , 127 , 125 , 124 , 123 , .

148Nov. 22, 2019
147Nov. 21, 2019
146Nov. 19, 2019
145Nov. 8, 2019
143Nov. 1, 2019
142Oct. 25, 2019
141Oct. 22, 2019
140Oct. 17, 2019
139Oct. 10, 2019
138Oct. 1, 2019
137Sept. 25, 2019
136Sept. 20, 2019
135Sept. 5, 2019
134Aug. 30, 2019
129Aug. 1, 2019
128July 30, 2019
127July 19, 2019
125July 12, 2019
124July 10, 2019
123July 4, 2019