Once you apply for a loan from Kissht App and repay it back on time, your credit report reflects the same. This helps you avail a bigger loan at a later stage from us (subject to eligibility) or from other banks or other financial institutions and also you may also get it at a lower interest rate. However, if you don’t repay the loan on time or default on the same, then your credit score may get negatively impacted. And, it becomes nearly impossible to avail a loan from any other bank due to your poor repayment history. Even if a loan is approved, the interest rate that will be charged will be considerably higher.