Kissht advertises a personal loan in five minutes for amounts from Rs 10,000 up to Rs 5 lakh, with tenures of 6 to 60 months and interest starting at 1% per month. The product runs through Si Creva Capital and a panel of partner NBFCs, all RBI-registered. The reasons users look around are mostly two: the 1% per month headline (12% annualised) sits at the lower bound, and many approved offers land at 24% to 33% APR; second, Kissht has had brand turbulence including a 2023 Section 69A block that was later resolved, which left some borrowers wary.
This guide compares 7 of the best Kissht alternatives for instant personal loans in India. Every option is fully digital, RBI-registered, and capable of same-day disbursal. The right pick depends on your CIBIL score, the amount you need, and how long you want to repay.
Why people leave Kissht
- Headline rate sits well below approved rate for most. 1% per month is for the cleanest CIBIL profiles. Reddit threads document users seeing 24% to 33% APR on initial offers.
- Past app block in 2023 left some users cautious. The Section 69A block was reversed but the episode is well-documented and still surfaces in searches.
- Aggressive top-up cadence after first repayment. Once a loan clears, prompts for higher-limit refinancing are frequent.
- App permissions for SMS reading. Like most digital lenders in India, Kissht reads bank-transaction SMS to assess creditworthiness, which some users prefer to avoid.
- Single-lender visibility. Borrowers do not see multiple competing offers in one flow, which broker-style apps provide.
Which app should you choose?
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KreditBee if you have a thin credit history and need a small loan fast. KreditBee lends to first-time and sub-700 borrowers.
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Navi if you have a clean CIBIL and want the lowest start APR (9.9%). Sachin Bansal’s NBFC for prime borrowers.
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Moneyview if you want offers from 12+ lenders in one submit. Multi-NBFC routing improves approval odds.
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CASHe if you are salaried and want a short-tenor loan from an established player. CASHe’s Social Loan Quotient adds salary signals.
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PaySense if you want cash loans plus EMI on retail purchases. Combined cash plus purchase financing.
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Fibe if you want a salary advance against your next paycheck. Fibe (formerly EarlySalary) built for short-tenor advances.
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mPokket if you are a student or fresher. mPokket’s underwriting is one of the few that lends to non-salaried young borrowers.
Stay on Kissht if you have a clean repayment history with them that gets you near the lower-bound APR. Existing-borrower offers can be competitive against first-loan rates elsewhere.
Quick comparison
| App | Best for | Loan range | Tenure | Indicative APR |
|---|---|---|---|---|
| KreditBee | Thin credit, first-time | Rs 1,000 to Rs 5 lakh | 2 to 24 months | 16% to 29.95% |
| Navi | Clean CIBIL, prime | Rs 20,000 to Rs 20 lakh | 6 to 72 months | 9.9% start |
| Moneyview | Multi-lender comparison | Rs 5,000 to Rs 10 lakh | 3 to 60 months | 14% to 45% |
| CASHe | Salaried short-tenor | Rs 1,000 to Rs 4 lakh | 3 to 18 months | 30% to 33% p.a. |
| PaySense | Cash plus EMI | Rs 5,000 to Rs 5 lakh | 3 to 60 months | 16% to 36% |
| Fibe | Salary advance | Rs 8,000 to Rs 5 lakh | Up to 36 months | 14% to 36% |
| mPokket | Students, freshers | Rs 1,000 to Rs 2 lakh | 6 to 24 months | 19% to 36% |
1. KreditBee -- best for thin-credit borrowers
KreditBee has more than 8 crore registered users and underwrites first-time and sub-700 CIBIL borrowers more leniently than most. Personal loans range from Rs 1,000 to Rs 5 lakh with tenures of 2 to 24 months and APRs capped at 29.95%. The lending partner is Krazybee Services, an RBI-registered NBFC.
Where it falls short: APR upper band is similar to Kissht’s. Top-up nudges after first repayment are similar in intensity.
Pricing: Processing fees 2% to 6% plus 18% GST.
Migrating from Kissht: Install KreditBee, complete e-KYC, submit bank details. Existing Kissht loans continue as scheduled.
Download: Google Play
Bottom line: Pick KreditBee if your CIBIL is below 700 or non-existent and you want a faster path to approval than Kissht usually offers thin-credit users.
2. Navi -- best lowest start APR for clean profiles
Navi offers personal loans up to Rs 20 lakh with start APR at 9.9% for prime borrowers. Tenures stretch to 72 months. The app discloses processing fees clearly before commitment and the UX is one of the cleanest in the category. Navi vs Kissht is clean-prime vs broad-mid-band.
Where it falls short: Eligibility skews salaried with strong CIBIL. Self-employed and lower-CIBIL users sometimes see higher rates or rejection.
Pricing: Processing fee up to 5%. No foreclosure charges on most loans.
Migrating from Kissht: Open Navi, complete e-KYC, check pre-approved offer in the loans tab.
Download: Google Play · App Store
Bottom line: Pick Navi if your CIBIL is above 750 and you want the cheapest end of personal-loan pricing with a clean app.
3. Moneyview -- best multi-lender comparison
Moneyview routes one application to 12+ regulated NBFCs and bank partners including Aditya Birla, DMI, Piramal, and SMFG. Loans range Rs 5,000 to Rs 10 lakh with tenures up to 60 months. One application checks across all lenders in parallel, improving approval odds and finding the best partner rate.
Where it falls short: Final APR varies widely (14% to 45%). Post-disbursal communication can come from multiple partner channels.
Pricing: Per-partner processing fees 2% to 4%. Free CIBIL check.
Migrating from Kissht: Open Moneyview, complete e-KYC, get offers from partners, accept the best.
Download: Google Play · App Store
Bottom line: Pick Moneyview if you want to compare multiple lender offers in a single submit and improve your approval odds.
4. CASHe -- best salaried short-tenor lender
CASHe is one of the oldest digital lenders in India and focuses on salaried users. Loans range Rs 1,000 to Rs 4 lakh on tenures of 3 to 18 months. The Social Loan Quotient layers salary and behaviour signals over CIBIL, which helps salaried users with thinner credit histories. The lending partner is Bhanix Finance, RBI-registered.
Where it falls short: Tenures cap at 18 months, narrower than Kissht’s 60-month max. APR upper band is 30% to 33%.
Pricing: Processing fee 1.5% to 3% plus GST.
Migrating from Kissht: Install CASHe, verify salary credits in bank statement, get offer.
Download: Google Play · App Store
Bottom line: Pick CASHe if you are salaried, want a short-tenor loan from an established player, and the Social Loan Quotient might help your thin CIBIL.
5. PaySense -- best cash plus EMI hybrid
PaySense offers cash loans up to Rs 5 lakh and lets eligible users split partner-retailer purchases into EMI without a credit card. The combination is unusual: cash and retail EMI in one app. PaySense vs Kissht widens the use case beyond pure cash.
Where it falls short: EMI partner network is narrower than dedicated EMI players. Cash-loan APR is mid-pack, not lowest.
Pricing: Processing fee 2% to 3%, APR 16% to 36%.
Migrating from Kissht: Open PaySense, complete KYC, check pre-approved offer.
Download: Google Play
Bottom line: Pick PaySense if you want one app for both cash loans and EMI on big-ticket retail purchases.
6. Fibe -- best salary advance product
Fibe, formerly EarlySalary, was built around the salary-advance use case. Loans Rs 8,000 to Rs 5 lakh, tenures up to 36 months, disbursal targets of 8 minutes after approval. Fibe is operated by Social Worth Technologies and lends through Phocket Capital, RBI-registered.
Where it falls short: Eligibility leans heavily salaried. Self-employed and student profiles are not the target.
Pricing: Processing fee 2% to 5%, APR 14% to 36%.
Migrating from Kissht: Open Fibe, e-KYC, salary verification, get offer.
Download: Google Play · App Store
Bottom line: Pick Fibe if your actual need is a short-tenor advance against next salary rather than a multi-year personal loan.
7. mPokket -- best for students and freshers
mPokket is one of the few apps that lends to college students, interns, and freshers without a salary slip. Loans Rs 1,000 to Rs 2 lakh, tenures 6 to 24 months. The lending partner is mPokket Financial Services, RBI-registered.
Where it falls short: Effective APR climbs fast on small loans because of the 2% to 3% monthly rate plus processing fees. Tenures cap at 24 months.
Pricing: Monthly interest 1.58% to 3%. Processing fee scaling with amount.
Migrating from Kissht: Install mPokket, complete student or salaried KYC, get offer.
Download: Google Play · App Store
Bottom line: Pick mPokket if you are a student, intern, or fresher and other apps decline you because you lack a salary record.
How to choose
Pick KreditBee if your CIBIL is below 700 or you are a first-time borrower. Underwriting is more lenient than Kissht’s.
Pick Navi if you have a clean CIBIL above 750 and you want the lowest end of personal-loan pricing.
Pick Moneyview if approval is your biggest worry. One application across 12+ lenders.
Pick CASHe if you are salaried and your CIBIL is thin. The Social Loan Quotient layers extra salary signals.
Pick PaySense if your need spans both cash and big-ticket retail EMI.
Pick Fibe if your actual need is a short-tenor advance against next salary.
Pick mPokket if you are a student or fresher.
Stay on Kissht if you have a clean repayment record with them. Existing-borrower rates can be more competitive than first-loan rates elsewhere.
FAQ
Is Kissht safe to use? Kissht lends through RBI-registered NBFCs (Si Creva Capital and others) and operates under RBI’s digital lending guidelines. The 2023 Section 69A block was reversed and the app continues to operate. As with any lender, read the APR, processing fee, and terms before accepting.
Which Kissht alternative has the lowest interest rate? Navi’s start APR of 9.9% is generally the lowest for clean credit profiles. Moneyview’s multi-lender model can find lower rates from partner banks for prime borrowers. Most other apps sit in a 16% to 36% range.
Can I have loans from multiple lenders simultaneously? Yes, but every active loan shows on your CIBIL report and impacts your debt-to-income ratio. Lenders look at total active EMIs when underwriting, so layering many small loans can hurt eligibility for a larger one later.
Is there an instant loan app for low CIBIL scores? KreditBee, CASHe, and Moneyview underwrite sub-700 CIBIL borrowers more leniently than Kissht. Expect higher APRs (28% to 36%) and shorter tenures until you build a repayment history.
How fast can I get money from a Kissht alternative? KreditBee, CASHe, Fibe, mPokket, and Moneyview all advertise disbursal within 5 to 15 minutes after approval. Same-day disbursal is standard across all RBI-registered digital lenders in this list.
Will applying on multiple loan apps hurt my credit score? Yes. Every loan application is a hard CIBIL pull and multiple applications in a short window can drop the score by 5 to 10 points each. Pick one or two apps based on the comparison above rather than applying everywhere.
