Kissht - EMI without credit card - 0% EMI Finance

Application Link: https://play.google.com/

Kissht is one of its kind digitally-enabled platform operated by ONEMi Technology Solutions Private Limited with a vision to provide speedy and hassle-free credit financing to its customers across India.

ONEMi Technology Solutions Pvt. Ltd. came into existence in the year 2015, intending to open up new vistas in consumer credit financing for online as well as offline purchases using the latest technology as an aid. Our constant efforts to financially empower our customers led us to be present across various segments of business like Online Purchase Loan, Personal Loan, and our newest offering – “Revolving Line of Credit.”

Onemi Technologies(Kissht) is engaged in the business of merchant acquisition / tie-ups, development of credit gateway technology, assessing the credit worthiness of the customer using its proprietary software and algorithm and credit marketplace platform for provisioning of instant consumer loans through our financing partners whereas the entire credit assessment, KYC processing, credit approval, financing of consumer loans for purchase of goods and services from online as well as offline channels and the collection of EMI’s from the customers of Onemi Technology Solutions Pvt. Ltd. is taken care by Si Creva Capital Services Pvt. Ltd and its other financing partners.

Kissht offers a hassle-free experience of online as well as offline shopping on merchant stores by providing quick and Easy EMI at Point of Sale. Now get set to enjoy a simple, stress-free and smart online as well as offline shopping experience with Kissht (ONEMi).

"Si Creva" being a registered Non- Banking Financial Company (NBFC) with the Reserve Bank of India (RBI) and wholly owned subsidiary of Onemi is, inter-alia, engaged in the business of financing consumer loans for purchase of goods and services from various channels such as online, offline and mobile as well as direct personal loans to consumers and more particularly to the customers of Onemi when required.

Kissht 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 26%.

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 28%.

Kissht How it works?

1. Kissht Download & Apply

     Download the Kissht App & select the FastCash option

2. Kissht Upload Aadhaar Card

      Upload KYC details and upload a photocopy of your Aadhaar Card

3.  Kissht Loan Disbursal

    Voila! On Instant eligibility check, the amount gets credited within 5 minutes to your bank account

Kissht Amount, Tenure, Fees & Charge:

           Loans range from ₹10,000 to ₹1,00,000 with tenure ranging from 3 months to 24 months. 

           The APR ranges from 16 to 28% depending on the product availed, risk profile, and credit                     worthiness 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.

Kissht Loan 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)

Kissht Eligibility Criteria:

1. Indian citizen

2. Minimum age 21 years

3. Minimum income of Rs. 12,000

Kissht Loan 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

Kissht loan Features:

1. Multiple Brand Options

Choose and shop products from our wide range of brand options.

2. Instant Approval

Get instant approval and quick disbursal

3. Attractive Interest Rates

Reasonable interest rates so that you don’t have to think twice.

4. Flexible Tenure

Freedom to choose your repayment tenure.

5. Multiple Repayment Options

Repay your loan easily with our multiple repayment options.

6. 100% Digital Process

Truly digital process with no paperwork

Kissht customer care Contact details:

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 care@kissht.com

Kissht offical Address:

             2nd Floor, Der Deutsche Parkz,

             Nahur West, Mumbai, 

             Maharashtra 400078