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 Range (Min-Max): 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: - Si Creva Capital Services Pvt Ltd - MAS Financial Services Limited - Northern Arc Capital Limited - SMFG INDIA CREDIT COMPANY LIMITED 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 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