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[finance-ka-funda]

Instant loan for salaried professional

Even if you are a monthly income earning person or salaried individual you may face a money crunch for your financial needs. Instant personal loans can help you to come out of such a situation.

In emergency situations or in our daily needs we need money. Not everyone has money in their pocket or money in the bank. So that time we need saviour & we may have our friends, parents

From whom we can lend money but what if this option we don’t have? So that time we need some reliable & safe source for money.

Instant loans app can be the best solution for this situation. There are so many instant apps available in the Google play store but only a few are genuine. Some apps are just collecting your personal data & in the end, they do not offer you a loan. In such cases, we just waste our time & hope.

While taking any kind of instant personal loan online we should be mindful & be sure that the app is registered NBFC. This is the important thing because we never want that our personal data to get misused by someone.

There are so many popular brands are available in the playstore such as Kissht, Cashe & many others.

I will recommend to go for Kissht instant personal loan app

Why should you for Kissht loan?

✔ Approval from RBI-registered NBFCs

✔ Low-interest rates and processing fees

✔ Convenient repayment options for low-cost EMIs

✔ Online personal loan approval in just 5 minutes

✔ No collateral & credit card required

✔ Easy repayment from UPI, Debit Card, and Bank Transfer

The eligibility of applying for an instant personal loan in India:

You need to be an Indian citizen

You need to be 21 years of age

You have to have your PAN and Aadhaar card prepared

You need your aadhaar linked mobile phone active

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Benefits of Instant Loan Apps!

Ever since the internet was discovered, it has brought some major changes in our lifestyles. The internet has also given birth to an entirely new world of technology that one could have only dreamt of. While the internet has given birth to new technology platforms, other platforms such as banking have also flourished. Fintech Technology platforms have evolved rapidly to provide banking services to consumers within the comfort of their homes. Instant loan apps are one of the many tiny branches of Fintech that have become insanely popular among consumers. Instant loan apps are a boon to the banking sector and are most preferred by customers.

Here are the 5 benefits of Instant loan apps and why are they the best credit lenders:

1. Time Saver: One of the very obvious reasons why an Instant loan app is the best option is that they save a lot of time. Customers now don’t have to visit the bank and wait in the long queues. They can now apply for a loan within the comfort of their home. Who doesn’t want that?!

2. Digital Process: Since these apps are time saving, one of the major features contributing to the same is a completely digital process. These apps use the latest technology for all their documentation as well as verification process which makes them so efficient.

3. Speedy Process: Normally when an individual applies for a loan, they have to wait for several days to finally get approval. Some instant loan apps like Kissht offer instant approval as well as amount disbursal. Now, this is what we call revolution!

4. Safe & Secure: Using a completely digital process can create a lot of doubts in the consumer’s mind about the safety and security of their information. You can rest assured about that as these apps are completely safe and secure.

5. Minimum Documentation: A documentation process for a loan application at banks could be tiresome, instant loans require the least documents to process your application. You don’t have to share dozens of documents but just a few. Isn’t it amazing?

Now that you have had a good insight into Instant loan apps, you might want to check out the Kissht app. The Kissht app offers multiple credit facilities such as product loans, personal loans and line of credit. The process is completely digital and requires the least documents.

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Evolution of the FinTech World

The recorded usage of the term ‘fintech’ which is an abbreviation for Financial Technology was in the ’80s. Ever since internet and technologies such as smartphones, computers, etc became an integral part of our day-to-day life, the fintech world has been flourishing at an enormous rate. Gone are those days where a person had to visit the banks in order to get a loan which again felt like forever to get approved.

After the FinTech revolution, getting a loan approval became possible just by the click of a button. It was observed that there was a need for a loan not just to buy a home, start a business or buy a car, but also gets some basic appliances such as smartphones, laptops, bikes, furniture, electronic appliances, gold, etc. The same was acknowledged by the FinTech industry after which small loans were also given to the customers.

However, the loan approval process consisted of several terms and conditions, documentation and verifications. In order to buy a very simple product such as a smartphone, it was mandatory for the buyer to possess a credit card. Whereas not every person who wishes to buy a smartphone holds a credit card. There are people who prefer not having a credit card. But this criterion made it impossible for them to get a basic device such as a phone on EMI.

The same issue was observed and acknowledged by Kissht Finance, a FinTech platform that works to provide instant and seamless credit for people who wish to purchase products online as well as offline. - Instant EMI Shopping, Personal Loan app Kissht offers loan without a credit card to a customer who wishes to buy electronic devices, bikes, furniture as well as gold and diamond accessories. This FinTech platform approves credit to customers at 0% EMI and requires minimum documentation. In order to approve the loan, Kissht considers the credit score of the applicant and it also has its own algorithm that helps them approve a loan application.

Since Kissht doesn’t rely only on the credit score of the person, it makes it possible for people to get a loan without a credit history. It has partnered with some of the well known online as well as offline brands such as Amazon, Flipkart, MakeMyTrip, Samsung, Blue Star, etc. Customers can use the loan provided by Kissht to shop online, take a vacation trip, or even buy new furniture. The process is very simple and hassle-free. The customers can check their loan eligibility before visiting the partner’s store by using the Kissht App. To check the same, the customer has to create an account with Kissht