Kissht

I had a very disappointing experience with this loan app, they are cheater. The penalty charges are completely unreasonable. I was charged around ₹1,600 for just a one day delay, which feels excessive and unfair. It seems like the company profits more from late fees than from helping customers repay their loans.

Even after paying the overdue EMI and principal amount, the late charges continued to increase, making it feel like you are stuck in an endless cycle of debt. To make things worse, the app doesn't provide a clear show of how these penalties are calculated, and there is no proper payment history or transaction transparency. Without basic details, it's impossible to verify what you are charged for. I would strongly advise others to read the terms carefully before using this app.

I had a terrible experience with the Kisht app. Everything was fine until I reached my final loan installment. To avoid any issues, I manually paid my last EMI through Google Pay one day before the due date. However, on the actual due date (5 June 2025), the app still auto-debited another installment from my bank account, resulting in a duplicate payment of approximately ₹6,500.

Since then, I have contacted their official customer support multiple times and also sent several emails requesting a refund. As of 30 June 2025, I have neither received my money back nor been given a proper resolution. This has been extremely frustrating. It feels like they don't care about resolving customer issues, and I'm still waiting for my hard earned money to be refunded. Based on my experience, I would advise others to be cautious and closely monitor their payments when using this app.

I am extremely disappointed with the recovery practices followed by this loan app. Due to temporary financial difficulties, I missed just one EMI payment. Instead of offering support or a reasonable resolution, recovery agents visited my home, contacted my relatives, and allegedly circulated my photo in my locality, causing significant embarrassment and damage to my reputation.

I have successfully repaid several larger loans in the past and have always tried to meet my financial obligations. Being treated this way over a single delayed EMI was completely unacceptable and deeply distressing. These actions negatively affected my image in society and caused unnecessary mental stress for both me and my family.

Although I have now cleared all outstanding dues, I strongly believe that recovery practices should be respectful, professional, and within legal boundaries. I will continue to raise my voice against such behavior so that others do not have to go through a similar experience. I hope the company reviews its recovery methods and treats customers with dignity and respect.

I had one of the worst experiences with this loan app. I have applied for a loan on 22nd May and was told that the amount would be credited soon. However, even after 5 days, the loan was still showing as under process and no funds were disbursed. When I contacted customer support I received the same generic response that the amount would be credited shortly. The most frustrating part was that the application remained stuck at the final stage for days without any progress. I needed the money urgently for an emergency situation, but the company failed to deliver on its promises.

Their technical issues apparently take weeks to resolve, and there is no proper communication or accountability. An emergency loan service is supposed to help people when they need funds quickly, not leave them waiting indefinitely. Based on my experience, I would not recommend this app to anyone. The service is unreliable, customer support is unhelpful, and the entire process was extremely disappointing. I already complained about this on PlayStore.

I took a ₹10,000 loan during an emergency, and although I made every EMI payment on time without missing a single installment, the experience left me very disappointed. The interest rate was around 36%, which I feel is extremely high, especially considering my CIBIL score is 780.By the end of the loan term, I had paid nearly ₹16,000 in total for a ₹10,000 loan. I understand that interest is part of borrowing, but the overall cost felt excessive. As a responsible borrower with a good credit history and timely repayments, I expected much better terms.

The loan was approved quickly when I needed it, but the high interest burden made me regret taking it. Based on my experience, I would advise others to carefully review the interest rates and total repayment amount before accepting a loan offer. There may be better lending options available with more reasonable rates.

I was initially skeptical about using an app that directly sends money, but my experience with Kissht turned out to be quite positive. Yes, they ask several verification questions during the process, but that’s understandable for security and approval purposes. Once the verification was completed, the loan amount was disbursed very quickly. The process was smooth, hassle-free, and the funds were available in my account within seconds. This makes it very helpful for anyone who needs a small loan for short-term needs, especially when you require quick support before payday.

Overall, the app works efficiently, the transaction process feels safe, and the speed of disbursement is impressive. Based on my experience, I would recommend Kissht to anyone looking for quick and convenient small loans when they need immediate financial assistance.