Займ и микрозаймы на карту 1.2

Online loans from verified organizations can be accessed quickly, with approval typically within five minutes. This service offers a streamlined process for obtaining microloans with a high approval rate.

The application process is efficient, requiring only 5 to 15 minutes to fill out and submit. Funds are transferred to your card without rejection, making it accessible to individuals aged 18 and over. This means there’s no need to leave your home—loans can be arranged via your smartphone or laptop through our website.

Sometimes, urgent financial needs arise unexpectedly, whether during a vacation or late at night, when asking friends or family for help may not be feasible. In such cases, obtaining an online loan offers a convenient solution, with funds arriving in mere minutes as long as you have internet access.

Even if borrowing from acquaintances is an option, turning to a first-time loan offer with a 0% interest rate can be the more advantageous choice; this offer applies exclusively to new clients. We facilitate various loan types, including transfers to cards, QIWI wallets, and cash loans, enabling borrowers to repay in the most convenient manner.

Online loans are becoming increasingly popular due to their accessibility and rapid processing times. Our platform aggregates the best offerings from reputable financial institutions to help users find suitable loan solutions efficiently.

Conditions for obtaining a loan:

• The minimum repayment period is 62 days.
• The maximum repayment period is 365 days.
• The maximum annual percentage rate (APR), including all fees and costs, is 32%, while the minimum is 1%.
• Daily interest rates range from a minimum of 0.01% to a maximum of 1%.
• A late payment penalty of 0.1% of the overdue amount per day applies, capped at 10% of the total loan amount.
• No additional fees are incurred beyond the stated terms.
• Failure to repay will result in reporting to credit bureaus.
• Loan extensions are available upon timely notification and interest payment for the original term, with no extra fees for the extension.

Example of interest rate calculation:

• Loan amount: 20,000 rubles
• Loan term: 100 days
• Daily usage fee: 0.08%, totaling 16 rubles daily or averaging 480 rubles monthly for a standard 30-day period.
• The total fee over 100 days would amount to 1,600 rubles.
• Total repayment amount inclusive of principal: 21,600 rubles.
• The full cost of the loan (FLC) represented as an annual percentage is 29.2%.

Consequences of delayed repayment:

If repayment deadlines are not met, penalties may accrue at a rate of 0.1% daily on overdue amounts, not exceeding 10% of the total principal borrowed.

Borrower requirements:

• Ages between 18 and 65 years
• A valid Russian Federation passport

List of financial organizations and microfinance institutions:

• AO "Tinkoff Bank," License No. 2673 by CBRF, Address: Moscow, Volokolamsky Proezd 10
• PAO "Moscow Credit Bank," License No. 1978 by CBRF, Address: Moscow, Lukov Pereulok, Building 2
• AKB "Absolute Bank" (PAO), License No. 2306 by CBRF, Address: Moscow, Tsvetnoi Boulevard 18

For inquiries, please contact us at +49(341)3070-1309 or via email at [email protected].