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Always wanted to buy your dream Smartphone, Laptop, Camera, Jewellery or other electronic gadgets on EMI without credit card ?

Avail Kissht - EMI without card to buy the trendiest products online or convert your existing purchases from any Online Shopping portal into EMI and repay within 3-12 months tenure.

Kissht empowers you to Buy Now & Pay Later, in easy installments without the need for a credit card. Thus making online shopping on EMI convenient and affordable to all.

What’s New

Version 2.5

Improved user journey for fast cash

Ratings and Reviews

2.9 out of 5
506 Ratings

506 Ratings

Chandra Shekar Ayyavala ,

Not much useful

Despite my credit line is active, my loan application is rejected when i tried to make a purchase at Caratlane store. My cibil is 752, but i donno the reason for rejection. Apart from this, the interest rate huge for fast loan and other emi options. Despite the availability of credit line iam unable to use it. Customer care number is either always busy or will never attend the call. U don't even get a response from live chat too. Overall experience is bad.

Avi✌🏻 ,

Very Unuserfriendly application..

The submission of application process is very very lengthy..
And after submission of the applications also they don't provide you the loan..
There is no cooperation with the customer service..
i waited for about 15 days for only getting my applications accepted by them..but it wasn't accepted irrespective of numerous efforts of mine..
atlast i got irritated and cancelled my order!
I am no one to judge anybody nor an application..but yes i have every ri8 to share my views, experience and feedback while using this application with you guys out there who will come and download this application one day..!
I had many expections regarding this application but all got shattered because of the service and procedures..!
My earnest req to the team of Kissht whoever reads this is that...."Customer have many expections regarding the service and the product..they come and download this application to fullfil their needs and warnings which they are not able to..so please inspire of your useless procedures..listen to their grievances and their ambitions and make this a bit faster.."
Otherwise it's totally upto you..i have personally deleted this application but then also i've came here to share my feedback because i don't want any other consumer or customer to suffer as the way i did..!
thank you..

Pc Maddipati ,

What a stupid app!

Don’t waste your time by using this app. Their loan processing is pathetic. Customer support is horrible. I seriously wasted a month of my time trying to make this app workout. The documents are submitted. They Took two weeks to process them. Once confirmed, the status is shown as pending. Upon multiple calls and mails and follow ups, the reason is shown as e mandate pending with the bank. They asked me to visit the bank. Upon visiting the bank, they responded saying e mandate is automatically approved with central repository, no manual approval is required. Pathetic service. Made me roam for a month. Instead, I applied with ZestEMI. Their application process is smooth and once documents are approved, the e mandate also got approved online. Kissht team instead of playing blame game, try to work on your issues. Never coming back to you again!


OnEMi Technology Solutions Private Limited
86.7 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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