Выберу: займы, кредит и ОСАГО! 2.2.1

The Vyberi.ru financial marketplace is a comprehensive platform providing comparison and selection options for deposits, loans, microloans, credit cards, insurance policies, and various other financial products. Users can apply to multiple banks simultaneously, calculate loan and insurance costs using online calculators, verify their credit rating, or find suitable microloans.

Online payday loans with instant approval are available through the app. These include short-term advances up to salary day, issued swiftly upon passport verification. Microfinance organizations (MFOs) operate 24/7, offering 0% interest for new customers, as well as standard and collateral-based loans. Loan applications can be submitted online in just a few minutes; approved funds are rapidly transferred to your card, bank account, electronic wallets, or cash disbursement can be arranged at the workplace. Instant approval loans can be accessed via the MFO’s website or in their offices without delay.

• Term: from 65 to 365 days
• Interest rate: from 0% to 0.8% daily (up to 292% annually)
• Loan amount: from 1,000 to 1 million rubles

Example calculation: a microloan of 10,000 rubles for 65 days at an interest rate of 0.8% per day would accrue approximately 5,200 rubles in interest, resulting in a total repayment of 15,200 rubles. Penalties and late fees may apply in case of overdue payments, as specified in the loan agreement.

Consumers can also access online credit options for larger sums. Any citizen aged 18 or older may qualify for fair rates without income verification and with minimal rejection risk. Funds are credited within one day, with delivery options available either in person or via courier.

Before submitting applications, compare key conditions such as:
- Loan amounts: from 1,000 to 40 million rubles
- Duration: from 65 days up to 20 years
- Interest rates: from 4.5% to 60% annually

Eligible borrowers can consider consumer loans from reputable banks featured within the platform’s application, including:

• Home Credit Bank
• Credit Europe Bank
• UniCredit Bank
• Kuban Credit
• Renaissance Bank
• Alfa-Bank
• and others

For example: securing a three-year loan of one million rubles at an interest rate of 9.9% would entail monthly payments of about 32,220 rubles, with total interest exceeding 159,929 rubles and an overall repayment sum approaching 1,159,929 rubles.

Applying for a credit card is straightforward through the platform. Classic and virtual credit cards are issued by banks under these conditions:

• Credit limit: from 1,000 to 1.5 million rubles
• Interest rate: from 0% to 60%
• Grace period: from 65 to 1095 days
• Service fee: between 0 and 1,795 rubles per month

The cards are available at banks such as VTB, Alfa Bank, Sberbank, among others. They are accessible from age 18; income statements are usually not required for approval if stable income proof is provided. For example: with a limit of 200,000 rubles at an interest rate of 21%, and a minimum payment of approximately 12,000 rubles (6%), the total overpayment across 20 months would amount to roughly 38,536 rubles.

Insurance policies such as OSAGO (Compulsory Motor Third Party Liability Insurance) can be purchased online by drivers. The process involves:

• Using a calculator to estimate costs by entering vehicle registration details
• Comparing coverage conditions across providers
• Completing the purchase via online payment with a bank card

Your credit rating can be checked free of charge through the platform. This service offers insights into your credit history status and chances of loan approval, helping you assess whether improvements are necessary.

The platform adheres to strict data protection principles pursuant to Article 5 of Federal Law No. 152-FZ «On Personal Data» dated July 27, 2006.

Please note that ООО "Выберу.ру" (OGRN/KPP: 1207700339549/772501001) does not provide lending services nor operates as a bank or insurance company. The application serves as a comparative tool that helps users select suitable financial products; final terms depend on contractual agreements with respective providers. All products displayed belong to banks and financial institutions whose license details are shown alongside their offerings.