In today’s digital-first economy, getting instant access to credit is more important than ever. Whether you’re shopping online, paying medical bills, or covering emergency expenses, a reliable loan app can save the day. Kissht Loan App is one such platform that empowers users with quick personal loans, zero-cost EMI options, and no credit card EMI purchases, all through a simple mobile app. If you’re searching for an instant loan app in India with no CIBIL score requirement, Kissht could be the perfect choice.
This app has emerged as one of the best loan apps in India for salaried individuals, students, and self-employed borrowers. With fast disbursement, low documentation, and a high approval rate, Kissht has become a top choice for instant personal loan seekers.
What is Kissht Loan App?
Kissht is a digital lending platform and NBFC loan app that offers both consumer durable finance and personal loans through its app. It allows users to buy mobile phones, electronics, and appliances on EMI without credit card, while also providing cash loans ranging from ₹5,000 to ₹2,00,000. One of its key benefits is that users can get a personal loan without income proof, making it suitable for a wide user base.
For those who need a loan without CIBIL check, Kissht uses its own alternate credit scoring model and proprietary underwriting to assess eligibility.
Features of Kissht – Best Instant Loan App in India
Kissht offers a wide range of features that make it attractive for those looking for instant EMI loans and low interest personal loan options. Below are some of the app’s standout features:
- Loan Amount: ₹5,000 to ₹2,00,000
- Tenure: 3 months to 24 months
- Interest Rate: Starts from 14% p.a. (varies based on profile)
- Loan Processing Time: As fast as 5 minutes
- Eligibility: Indian citizen aged 21-58
- 100% paperless process with minimal KYC
- No credit card required for EMI purchases
- Loan without credit history or CIBIL for new borrowers
These features make Kissht one of the best EMI loan apps for people who need quick cash loans without going through traditional bank hassles.
Who Can Use Kissht Loan App?
Kissht caters to a wide range of users, including:
- Salaried employees looking for instant cash loans
- Self-employed professionals needing short-term working capital
- Students or freshers looking to build their credit
- Online shoppers wanting EMI without credit card
- Individuals needing a loan without PAN card or income proof (in select cases)
It’s a powerful tool for first-time borrowers who need a loan without salary slip or those who are denied by banks due to low CIBIL scores.
How Does Kissht Work?
Using the Kissht Loan App is easy and fast. Here’s how it works:
- Download Kissht App from Google Play Store or Apple App Store
- Register using your mobile number and complete KYC
- Select whether you want a cash loan or purchase EMI loan
- Upload basic documents (Aadhaar, PAN, optional income proof)
- Get approval instantly or within a few hours
- Amount is credited to your account, or EMI purchase is confirmed
For those looking for a 5-minute loan approval app, Kissht fits the bill perfectly.
EMI Shopping Without Credit Card – A Unique Offering
One of the most unique features of Kissht is its EMI on shopping without credit card. You can purchase smartphones, laptops, TVs, or even pay for education and travel using zero-cost EMI loans, directly through the app or its partnered merchants. It acts as a loan app for online shopping, helping users manage expenses smartly with no upfront payments.
If you’ve been searching for a loan app for students or shopping loan without credit history, Kissht offers flexible solutions.
Loan Eligibility & Required Documents
To apply for a loan, you generally need:
- Aadhaar Card
- PAN Card
- Selfie for KYC
- Bank account with net banking
- Salary slip or income proof (optional)
Unlike many other apps, Kissht often accepts applications without CIBIL report or full salary proof, making it an ideal loan app without ITR for self-employed borrowers.
Is Kissht Safe and RBI Registered?
Yes. Kissht partners with RBI-registered NBFCs like Si Creva Capital to provide loans, ensuring legal compliance and data security. It is a safe loan app approved by RBI and operates under all required financial regulations.
If you’re worried about using non-RBI approved apps that might misuse data or harass borrowers, Kissht is a verified and legitimate option.
Pros and Cons
✅ Pros:
- Instant approval for eligible users
- Low documentation
- EMI shopping without credit card
- Accepts low or no CIBIL score
- App available in multiple languages
❌ Cons:
- Interest rates can be high for risky borrowers
- Penalties on late repayment
- Credit limit may vary for new users
Final Verdict – Should You Use Kissht Loan App?
If you’re looking for an instant personal loan app in India, with the option to shop on EMI without a credit card, and have limited or no credit history, Kissht is a smart choice. It combines speed, flexibility, and accessibility, making it one of the top NBFC-backed loan apps in the Indian market.
Whether you’re applying for a loan without salary slip, shopping online on EMI, or need a fast cash loan app with no paperwork, Kissht offers it all.
Disclaimer: This article is for informational purposes only. Loan terms, eligibility, and interest rates are subject to change based on the lender’s discretion. Always read official terms & conditions before applying. We do not offer loans or financial services directly.