How do I shop on EMI without credit card?
- Download Kissht App & sign up to get instant pre-approved credit
- Select your favourite product from listed merchant
- Select loan offer & tenure
- Make down payment & loan is approved
- Merchant ship's product post loan approval.
Kissht Eligibility Criteria
Income ≥ INR 12000 per month ( salaried or self-employed).
Document Required :
- Pan card
- Aadhar card
- Last 3 months banking statement
- 1 cancelled cheque
Note : if person is staying at rented accommodation, kindly upload latest Rent Agreement & owner's utility bill
How do I buy something from Kissht?
Buying your dream gadget from Kissht is as simple as 1-2-3.
You can either choose a product directly from Kissht app or visit to our merchant partners to buy products.
Choose your preferred EMI plan & Loan tenure
In case you are a new customer, Enter your basic details like First Name, Last Name, PAN Card number, Date of Birth,
Make Down payment
Upload all relevant details such as ID Proof, Address Proof & Bank Statement.
We will let you know in 24 hours whether your purchase-loan has been approved.
In case of an approval, we will seek your permission for monthly auto-debit of your registered bank account for paying the EMIs.
What are the payment options?
You can use a Debit Card / Net Banking or Wallets to make the downpayment on the App. For monthly EMI payments, we will auto debit your bank account using NACH mandates once they get approved. Meanwhile, you can also use the App to make EMI payments
How many products can I buy from Kissht in a single order?
You can buy only one product at a time using Kissht. However, you may apply for a second product once you have repaid your 2 EMIs in time or prepay your loan, whichever is earlier. Of course, we advise you to pay up quicker to avoid multiple debts.
How much time would it take to approve my application?
Typically, our systems take around 24 hours for final approval of loan application.
How do I cancel my application?
If you want to change the product you can always do that through the app via the side menu swiping right on the application. If you want to cancel the product, don’t hesitate to get in touch with our customer support team at email@example.com. They would love to help you with that (trust us; they wait for you all day).
How do I change my address and contact details?
You can always get in touch with our customer happiness team to get it updated at firstname.lastname@example.org
How much can I borrow?
You can take a loan for any amount between ₹10,000 to ₹2,00,000
How will the loan amount be disbursed?
Payment happens to merchant directly, so you do not have to worry about the cash.
What will be the repayment schedule of the loan?
You can choose any monthly repayment schedule of a minimum of 3 months and up to 12 months depending on your convenience.
What will be the interest rate?
The interest rate depends on the product and the period of repayment that you choose. Generally it is in the range of 5% to 15%.
Is there any kind of down payment on the products?
Yes, you need to pay a minimum of 10% of the cost of the product you want to purchase as down payment bought directly from our online store.
Do you give interest free EMIS?
Depending on offers we give time to time or your credit score, we might surprise you with interest free EMIs.
Are there any hidden charges?
No, there are no hidden charges.
How can i make monthly payments?
You can pay through Wallets, ECS or Online Transfer.
What documents are need to approve a loan?
Documents related to KYC as per regulations are needed.
Do you access my CIBIL score?
Yes, on behalf of our Financing Partner, we have to do it as a mandatory step for verification and eligibility.
I want to purchase later, can i apply for a pre-approval?
Yes, you can take a line of credit and buy later either from us or our merchant partners.
What is the procedure to return and get a refund for my purchase?
We do not have a return/refund policy. However, you can replace the product in case it is defective/damaged. Replacements are subject to the respective e-commerce portal's return policy.
What if the delivery is delayed?
The delivery totally depends on our merchant partners! If it’s delayed then that’s unusual. Please get in touch with our customer support team.