Pending Credit Card Bills? We've Got the Perfect Loan for You! High credit card dues can quickly spiral into a debt trap with mounting interest. A credit card repayment loan from Kissht helps you clear outstanding balances. It is an unsecured personal loan with flexible repayment and a fully digital process.
| Parameter | Details |
|---|---|
| Loan Amount | ₹5,000 to ₹60,00,000 |
| Interest Rate | 6% to 36% per annum |
| Loan Tenure | 3 months to 72 months |
| Loan Type | Unsecured Personal Loan |
| Process | Fully Digital |
| Approval Time | Minutes |
| Disbursal | Instant |
Loans for diverse income groups
Seamless loan process, start to end
Transparent rates and no hidden costs
Clear and reliable loan process
Calculate your loan repayment amount instantly
Apply online and get approved in minutes
Your trusted partner for quick and simple personal loans
Get your personal loan disbursed instantly
Calculate your Personal Loan EMI based on the following parameters:
| Parameter | Range |
|---|---|
| Loan Amount | ₹5,000 (Min) to ₹60,00,000 (Max) |
| Rate of Interest | 6% (Min) to 36% (Max) per annum |
| Loan Tenure | 3 months to 72 months |
For a loan amount of ₹10,00,000 at 16% per annum:
| Component | Amount |
|---|---|
| Principal Amount | ₹10,00,000 |
| Total Interest Charged | ₹47,182 |
| Total Repayment Amount | ₹10,47,182 |
| Monthly EMI | ₹1,74,530 |
| Interest Rate | 16% per year |
| Principal Percentage | 95.5% |
| Interest Percentage | 4.5% |
End-to-end digital loan process at your fingertips
Repayment plans that fit your budget
Access funds instantly when you need them
Hassle-free financial support
Instant loans for travel, health, or any personal need
Monitor your loan whenever you want
Get your loan approved within minutes
Hassle-free unsecured loans
Loan amount credit directly to your bank account
Check your credit score in seconds and stay one step ahead of your financial goals
| Criteria | Requirement |
|---|---|
| Nationality | Indian residents |
| Age Requirement | 21 to 60 years |
| Basic Documentation | PAN Card and Aadhaar Card for verification |
| Income Proof | May be requested for higher loan amounts, depending on credit profile |
| Applicant Profile | Salaried employees, self-employed individuals, small business owners, and MSME professionals |
Provide essential personal and contact details
Aadhaar card along with selfie verification for identity confirmation
PAN card of the borrower for verification purposes
Recent payslip or bank statement, if required
Kissht offers a fully digital application process for credit card repayment loans. The process includes:
| Metric | Value |
|---|---|
| App Rating | 4.6 |
| Downloads | 63M+ |
| Assets Under Management | ₹5900 Cr+ |
| Customer Base | 11M+ |
Email: [email protected]
Phone Numbers:
Location: Mumbai, Maharashtra
A personal loan for credit card repayment helps you manage outstanding card balances in a more structured way. You can repay the borrowed amount in fixed monthly instalments over a chosen period, making repayments easier to plan and handle every month.
You can get an instant personal loan for credit card repayment by applying online with a trusted lender such as Kissht. Fill out the application form, complete the digital KYC process, and upload the required documents. Once verified, the approved funds are disbursed to your bank account.
Yes, you can get a personal loan for credit card repayment without pledging any collateral through a trusted lender such as Kissht. Complete the KYC verification process and meet the required eligibility criteria. Once approved, the loan amount is transferred to your bank account.
To apply for a personal loan for credit card repayment via kissht, you typically need to provide:
These documents help lenders assess eligibility and speed up approval.
Note: The exact documentation requirements are at the sole discretion of Kissht and may vary depending on your profile and loan type.
The EMI for a personal loan for credit card repayments depends on the interest rate and repayment period. For example, let's consider an interest rate of 10% p.a. for a 12-month tenure and loan amount as ₹65,000.
Here is the formula for calculating EMI:
EMI = [P × R × (1+R)ⁿ] / [(1+R)ⁿ − 1]
Where:
Using this formula, the EMI comes to around ₹5,715. You can also use a personal loan EMI calculator to get an exact figure.