अब लोन लेना हुआ आसान
(1) Kishht. Instant line of Credit
About us".
RBI-registered NBFC loan app in India for EMI Shopping and Instant Personal Loan
Kissht app provides Instant Line of credit and allows small shop owners to receive and make payments through QR code and avail instant loans ranging from ₹ 10,000/- to ₹ 1,00,000/- basis their credit profile. APR varies from 14% - 28% per annum and loan tenure from 3 to 24 months.
Example of Credit for Small Business Purchases
Loan amount (Principal): ₹ 30,000.
Tenure: 12 months.
Interest Rate: 18% per annum.
Processing Fee (incl. GST): ₹ 750 (2.5%).
Total Interest: ₹ 3,005.
EMI: ₹ 2,750.
APR: 22.91%.
Loan amount is ₹ 30,000. Disbursed amount is ₹ 29,250.
Total loan repayment amount is ₹ 33,000.
Total Cost of the Loan = Interest Amount + Processing Fees = ₹3005 + ₹750 = ₹3755.
Kissht is India’s quickest credit app that offers instant QR based credit to small merchants to purchase their day-to-day inventory and grow their business. Small business owners can scan & pay utility bills such as electricity bills, DTH & Gas Bills, Fast Tag, post-paid bills & can access money on credit anytime in the form of cash in their account or by scanning QR to pay any vendor.
Types of Instant Line of Credit Offered by Kissht
1. Revolving line of credit: Kissht offers quick line of credit for salaried individuals. The loan amount ranges up to ₹30,000 with tenure from 3 to 15 months, based on the individual's credit profile and APR is between 16% and 26%. Customers can repay and reuse the credit line limit for next 2 years, till the customer. To incentivize better credit behavior, the customer is offered a reduction in fees and waiver on instalments upon timely repayments.
2. Instant credit to small business purchases: Kissht works with multiple RBI registered NBFC's for providing loans to small merchants. Facing last-minute expenses or working capital requirements, shortfall of cash to stock up inventory or regular expenses such as salaries/bill payment? opt for kissht loans from ₹10,000 to ₹1,00,000 disbursed into your account at easy and affordable interest rates ranging from 15% to 25% p.a. and processing fee in a range of 2% to 5% for the tenure up to 24 months
*Interest Rate and fees vary based on customer's current risk profile
Examples of Instant line of credit, small business loans & Interest rates offered by Kissht
1. Revolving Line of Credit: Salaried customer can avail quick personal loan of ₹30,000 at interest rate of 18% with processing fee of ₹750 for tenure of 12 months. APR is 22.91%.
Loan amount (Principal): ₹30,000; Interest Rate: 18% per annum; Tenure: 12 months
Interest Payable: ₹3,005,
EMI: ₹2,750 per month, Total Repayment Amount: ₹33,000.
2. Instant line of credit to small business: Self-employed can avail a credit line of
₹1,00,000 for a period of 2 years. Over two-year period, the total fees (includes processing fees and one-time initiation fee) charged is 9%. The interest rate is 18% per annum, APR for the revolving credit line is 27.54%.
Top categories & Small Businesses who have benefited and availed instant line of credit from Kissht
Credit line for Kirana Shop, Medical Store
Instant loan for Hardware stores and Electronics Shops
Quick Cash Bakery, Snacks & Juice Shops
Instant Cash Street vendors, Fruits & Vegetable shops
Small business loan for Garments & tailor shop
Payment of bills by small business owners to Stockist, Electricity bills, rent
How to apply for kissht credit line
1. Install Kissht app
2. Register with mobile number & accept basic permissions
3. Submit KYC documents for instant credit check
4. Sign online loan agreement from approved NBFCs5. Get instant loan approval and money is transferred to your bank account
Why Choose Kissht for Line of Credit
✔ Low-interest rates and processing fees
✔ Online personal loan approval in just 5 minutes
✔ No collateral & credit card required
Our contact details:
1. Call- 022 62820570
2. WhatsApp- 022 48913044
3. Email- care@kissht.com
Address:
2nd Floor, Der Deutsche Parkz, Nahur West, Mumbai, MH-400078
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(2) True balance Quick online Personal Loan
About us
Digital lending and financial services platform with licensed entities
True Balance is 100% safe and secure, lending & financial services platform, steering on the mission of ‘Finance For All” . True Balance has been trusted by over 75 million users across the country. Here, you may avail loan from ₹ 5,000 to ₹ 50,000 for a tenure of minimum 62 days to 116 days at low processing fee . The APR ranges from 60% to 154.8%.
For example:
For ₹10,000 borrowed for 90 days, with interest rate @5% per month*, a user would pay:
-> Processing fee (@ 3%) = ₹3,00 + GST (18%) 54= ₹354
-> Interest* = ₹1,500
-> EMI = ₹ 3,833
Total amount to be repaid = ₹11,854/- including Processing fee +GST
*Interest Rate may vary based on user’s risk profile
We facilitate cash loans from RBI licensed NBFC- True Credits Private Limited. Additionally, the app also enables its users to earn from home, do recharges and payments, book tickets, buy digi gold and much more from the licensed entities.
Features of Personal Loan which can be availed on the App through its licensed lending partner(s):
- 100% paperless and digital process on mobile
- 24x7 access to loan/money
- Low processing Fee, longer tenure and attractive interest rate
- Directly disbursed to your bank account
- Pan-India access
- Convenience of payment through various methods.
- Repay on time improves credit score and get access to higher amounts
- Repay Later option lets you pay part of the loan on the due date & extend repayment term multiple times
True Balance is a PPI license holder which provides an RBI Compliant Wallet and multiple payment options of Net banking, Credit Cards, Debit Cards and Gift cards and has also partnered with NBFCs for granting quick personal loans online.
A quick glance at other multiple services offered by True Balance App.
Insurance
• Buy an Insurance to protect yourself, family, friends or neighbours, for any amount between Rs. 5 to Rs. 490/- .
• We provide Group Personal Accident, Life insurance, Mosquito Insurance, Biker Insurance, Daily commute Insurance & more in association with leading insurance companies.
E-commerce
Shopping made easy: Earn Cashback from any transaction amount.
Maximum benefit of upto 10,000/- per month can be availed
Train Booking
•Quick Book, save details of booking and directly book tickets without hassles and check PNR status with one click
●Check status of ticket with PNR number • Book IRCTC train ticket to get amazing Cashback,
Prepaid and Postpaid payment
• Recharge Prepaid/Postpaid for your customers and earn Cashback upto ₹ 5000 per month.
• Super-fast recharges of any amount between 10/- to 2595/- on network across 5 operators
DTH, Pipes Gas, Electricity, Water, LPG cylinder Bill Payment
• DTH recharge available for all 5 key operators. Earn Cashback, max utpo 1000 per month.
• 54 Electricity boards, 24 Piped Gas, 3 LPG cylinder and 30 Water billers
• Easy interface, cashbacks and fastest payments
Please note
• Get maximum Cashback benefits from completing full KYC .
• All Cashback can be used within the app and can’t be transferred in any forms.
App permissions & reasons:
• Location to let you know an appropriate plan as per the area/circle you are in.
• Contact to detect references and to auto fill data.
• SMS to verify Phone number for registration only transactional SMS.
• Camera is required for full KYC process
• Calendar to send due date reminders
• Phone to collect hardware model details, OS and version, network info and to avoid fraud by ensuring that unauthorised devices are not able to act.
Security and Privacy Policy:
We have a highly secured & encrypted system to ensure safety of information shared by our customers. To know more about our privacy policy, click https://truebalance.io/privacy-policy/
Contact us:
Drop-in your queries at cs@truebalance.com
*T&C Apply
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(3) Kreditbee. Get instant loan
About us:
Online Loan App for Immediate Business and Personal Credit at low interest rates
KreditBee is an instant personal loan app trusted by 1 Crore+ Indians. Avail personal loans starting from ₹ 1,000 to ₹ 2 Lakhs, as per your approved credit. On approval, get a direct bank transfer within minutes.
Get approved for personal, salary loans & EMIs with minimal documentation & small transaction fees.
Loan amount: From ₹1,000 to ₹200,000
Interest rates: From 0% to 29.95% per annum
Tenure: 62 days to 15 months
Why KreditBee?
✔ Instant loan approval: Instant personal loans are approved within 15 minutes from registration to direct bank transfer.
✔ Shopping EMIs: Avail online purchase EMI loans for categories like fashion, electronics, travel, furniture & more.
✔ Transparency with customers: Loans from RBI certified NBFCs/Banks are made available to our customers.
✔ Flexible Interest rate: From 0% to 29.95% per annum.
Types of loans
👉 Flexi Personal Loan - We offer loans from 62 days to 6 months for borrowing instant money ranging from ₹1,000 to ₹15,000. Only PAN & address proof needed.
👉 Premium Loans for Salaried - Personal Loans worth ₹10,000 to ₹2 Lakhs with flexible disbursement tenure ranging from 3 to 15 months on our urgent loan app. Only PAN, address & salary proof needed.
👉 Premium Loans for Self Employed - Personal Loans worth ₹40,000 to ₹2 Lakhs with flexible disbursement tenure ranging from 3 to 10 months. Only PAN & address proof needed.
👉 Online Shopping Loan - Avail Buy Now, Pay Later EMI plans. Shop freely on partner platforms like Flipkart, Amazon, Myntra, Nykaa, MakeMyTrip & more with fast personal loans & E-vouchers. Only PAN & address proof needed.
👉 KreditBee Card - Purchase anything online, or withdraw cash directly into bank account. Pay back later. Only PAN card & address proof needed.
Personal Loan for Salaried (Example)
Loan amount: ₹ 50,000
Tenure: 12 months
Interest Rate: 20% per annum
Processing Fee: ₹ 1,250 (2.5%)
New cx onboarding Fee: ₹ 200
GST on Processing & Onboarding Fees: ₹ 261
Total Interest: ₹ 5,581
EMI: ₹ 4,632
APR: 23.2%
Loan amount: ₹ 50,000
Disbursed amount: ₹ 48,289.
Total loan repayment amount: ₹ 55,581.
Eligibility
1. Indian resident
2. Above the age of 21 years
3. Should have monthly source of income
How to get started
1. Install KreditBee app
2. Create your account
3. Fill your basic details to check first level eligibility
4. Upload KYC documents - ID, Address Proof & PAN card
5. Avail Loan as bank transfer or E-voucher as per your request
KreditBee is a facilitator of the loan products and not an actual lender. All loans on the KreditBee app are disbursed by lenders who are duly registered NBFCs & financial institutions authorized by RBI to lend personal loans.
Fees & Charges
Interest rates range from 0%-29.95% with equivalent monthly interest rate of 0%-2.49% only.
A small processing fee is charged for loans:
0 - 3% charged for low risk customers
2.5% - 7% charged for high risk customers*
The APR for different personal loan products:
low risk customers is 0%-36%
medium risk customers is 18%-39%
high risk customers is 24%-42%
Very high-risk customers are 24%-70%
KreditBee charges a one-time service fee while onboarding or during upgrade which is ₹20-₹350 depending on the risk profile.
*The charges and repayment tenures vary based on creditworthiness and repayment ability of the customers. Penalty is charged only when someone delays their scheduled payment.
Queries?
Mail: help@kreditbee.in
Call: 08044292200
Let’s Connect!
Facebook: kreditbee
Twitter: kreditbee
Instagram: kreditbee
Address
16/3, Adarsh Yelavarthy Centre, opp to Frank Anthony School, Cambridge Layout, Jogupalya Bangalore Karnataka 560008 India
Get your loan approved instantly. Download the app now!
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(4) Rufilo App : Instant personal Loan & Small Business Loan - Made in India
About us
Rufilo App : Instant personal Loan & Small Business Loan - Made in India
Rufilo provides instant Credit and Small Business loans pan India from RBI-registered NBFCs. Rufilo offers an Instant Credit line of ₹ 5000 to ₹ 25,000 and the APR ranging from 14% - 28% for a tenure of 3 months - 24 months.
Example: Small business owners/self-employed can avail instant credit line of ₹10,000. The total processing fee is ~8%. The interest rate is 18% p.a for a tenure of 3 months, amount payable is ₹10,450, and APR of the loan will be 27.54%.
Introduction
Rufilo - India’s fastest digital credit line based personal loan app platform, which offers salaried professionals and small business owners instant access to credit offered by RBI-approved NBFCs. Rufilo delivers the fastest line of credit approval experience with 100% paperless, digital KYC process. Once your credit line is approved, the amount is credited into your account in just 5 minutes!
Rufilo Instant Credit Loan App products:
Quick Cash - Instant Credit Line
Rufilo offers an instant credit line based personal loan to salaried customers and self-employed store owners. The amount of credit ranges from ₹5000 to ₹25,000 only with PAN, Aadhaar Card for a tenure of 24 months.
Collateral free Small Business Loans
:
Rufilo offers business capital loan upto ₹1,00,000/- to small business and store owners to meet to run their day to day business activities.
Top category & Businesses who have benefited and availed instant credit from Rufilo
Instant credit for Kirana Shop, General Store, Grocery Store, Provision Store
Instant loan for Mobile Recharge and Electronics Shops
Quick Cash Bakery, Snacks and Juice Shops
Instant Cash Street vendors, Fruits and Vegetable shops
Small business loan for Jewellery shop, gold seller
Instant personal online credit for Medical Store, Local Pharmacy
Personal loan for Garments & tailor shop
Examples of EMI, Fees, Interest rates for instant credit products offered by Rufilo app
1. Customers getting salary can avail personal loan of ₹25,000 at Low interest rate of 22%, processing fee of ₹1,250 for a period of 12 months and onboarding fees of ₹350. This would translate to an APR 25.2%.
2. Small business/vendors get working capital loan of Rs. 20,000 @ 16% interest p.a.,Tenure of 6months, Processing fee: Rs. 300 EMI amount: Rs. 3490/month. APR: 21.33%.
*Fees, tenure and interest rate may vary depending upon the customer profile. Tenure varies from 3 months to 24 months
Eligibility Criteria:
• Minimum age - 21 years
• Minimum income ₹12,000 for salaried & ₹15,000 for Small business/vendors
Documentation:
Rufilo app is 100% digital loan app and therefore, we don’t require any physical documents!
All you have to do is enter your PAN Card number, upload a digital photocopy of your Aadhaar Card, and click a selfie to avail your instant credit line and business loan.
Why Rufilo to avail Instant Credit and Small Business Loan
✔RBI-registered NBFCs with 100% digital approval
✔Instant verification and speedy credit disbursement
✔ Fair and Low rate of interest and processing fees
✔ Easy & Convenient repayment options (UPI, Debit Card, Net Banking, Bank Transfer, wallet etc.)
✔ Online personal loan approval in just 5 minutes
✔ No collateral & credit card required
✔100% secured via 256-bit SSL encryption
How to avail Instant Credit / Small Business Loan by using Rufilo App
1. Install Rufilo - Instant Credit and Small Business Loan App
2. Register with a mobile number
3. Upload KYC documents and check your personal loan eligibility.
4. Accept the offer and get an instant approval for your loans.
5. Post-approval the loan amount is credited to your account instantly
Contact us:
Customer Care Number: 022-48913684
Email: care@rufilo.com
Address: Irise Building, 1st Floor, LOMA IT Park, TTC Industrial Area,
Ghansoli, Navi Mumbai, Maharashtra 400710
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