RING by Kissht: Personal Loan

PayWithRing is a trusted digital platform for applying personal loans and fast UPI payments, your one stop Financial app, which is used by 10 million+ Indians

RING by Kissht is a fully digital lending platform to get quick personal loans from ₹5,000 to ₹5,00,000 in 5 mins with 100% online loan process and same-day loan disbursed, which is tailored for both salaried and self-employed users to meet their financial needs

PayWithRing Personal Loan Offerings

● Loan Amount - ₹5,000 to ₹5,00,000

● Interest rates - Starting from 1% per month

● Tenure - 6 to 60 months

● APR: 17%–45%*

● Quick loans & Easy EMI Plans

👉 Why Choose Ring for Instant Personal Loans?

✅ Personal Loan Range: ₹5,000 to ₹5,00,000 to suit every financial need, such as Students/Education Fund, Medical Emergency or Medical Bills, Debt Consolidation, Wedding Expenses, Home Repairs, or Travel.

✅ Attractive Interest Rates: Starting from 1% (p.m), among the lowest in the market compared to other NBFC apps.

✅ Flexible Tenure & EMI Plan: Loan tenure ranges from 6 to 60 months, with flexible EMI payment options for a hassle-free loan repayment experience.

👉 PayWithRing UPI for Faster, reliable, & secure payments!

✅ Set up UPI ID by linking your bank account with your registered mobile number

✅ Send & receive money instantly

Example of Unsecured Personal Loan:

Mr Sachin needed an urgent loan of ₹ 60,000. He applied through the PaywithRing (Powered by Kissht) loan app & it was approved within 5 mins with Digital KYC and zero paperwork. With our quick loan app, you can get a cash loan instantly.

Here’s how it worked.

Loan amount (Sanctioned): ₹ 60,000.

Tenure: 18 months.

Interest Rate: 33% per annum.

Processing Fee (incl. GST): ₹ 4,248.

Total Interest: ₹ 16,858.

EMI: ₹ 4,271.

APR: 44 %.

Sanctioned Loan amount is ₹ 60,000.

Net Disbursed amount is ₹ 55,752.

Total loan repayment amount is ₹ 76,858.

Total Cost of the Loan = Interest Amount + Processing Fees = ₹16,858 + ₹4,248 = ₹21,106.

We work with RBI-registered NBFCs such as:

1.⁠ ⁠Si-Creva Capital Services Pvt. Ltd.

2.⁠ ⁠⁠Northern Arc

3.⁠ ⁠⁠MAS Financial Services Ltd.

4. Utkarsh Small Finance Bank

Steps to apply for Instant Personal Loans

1. Install PayWithRing Personal loan app

2. Register with a mobile number

3. Complete 100% digital PAN & KYC process

4. Choose loan amount & tenure

5. Sign online loan agreements from approved NBFCs

6. Provide bank details

7. Request a money transfer to your bank account

Key Features of PayWithRing Digital Lending App

✔ Quick personal loans in 5 minutes

✔ Competitive Interest Rates

✔ Easy KYC Verification

✔ Instant Loan Approval

✔ Full Transparency

✔ Digital Loan Processing

✔ Easy EMIs

✔ Seamless and reliable UPI payments

PayWithRing helps you to get Short Term & Long Term Personal Loans

✅ Short Term Loan Amount: 5k, 10k, 15k, 20k, 25k, 30k, 35k, 40k, 45k, 50k Personal Loans

✅ Long Term Loan Amount: 1 Lakh, 2 Lakh, 3 Lakh, 4 Lakh, and 5 Lakh Personal Loans

Why Borrow An Instant Loan Through Ring?

At RING (Powered By Kissht), we care about the safety and well-being of our customers. Our collection processes follow RBI guidelines and reflect our values of empathy and courtesy.

Also, we follow strict guidelines for customer service -

● We use registered landlines to communicate with customers

● We never use personal cell phones, international numbers, or VoIP conversations

● We never ask customers to make payments into personal or private bank accounts. Payments are accepted only through our personal loan app.

● Our loan app cannot access your contact list and other sensitive information without your consent.

Contact Us

In case you have faced any of the above-mentioned situations, do this:

1. Write to care@pay-with-ring.com OR call our customer care number on

08044745880 / 08062816300.

2. Share with us a screenshot or recording of the message or call.

Address: Office units 2, 3, and 4, 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West), Mumbai -400070