Lack of money is a problem facedabsolutely all people. Several years ago, it was decided when applying to banks for a loan. Borrowing money was not an easy procedure, because it was required to provide securities confirming financial prosperity, to seek guarantors. Now this process has become simpler. There are a lot of microfinance organizations that issue money as quickly as possible via the Internet. Let's look at the merits of online loans, reviews about them and some microfinance organizations.
Online loans several years ago entered oura life. However, some people still do not want to borrow money online. And in vain. There are several advantages to instant online loans:
Make an online loan onlinesafely. Of course, scammers exist. But in order to not face them, you need to carefully choose the company. There are many microfinance organizations that are time-tested, have a good reputation and a huge number of positive feedback written by regular customers.
Microfinance organizations attracthonest customers, and those people who are disadvantageous to banks. This is confirmed by the opinions of people with a bad credit history. In banks, such individuals are constantly denied loans, and are often approved in MFIs. They make such microfinance organizations in order to compete with banks.
Еще стоит отметить, что в МФО при первом treatment of problematic potential clients are offered special programs for the correction of credit history. Their essence lies in the issuance of a small amount of money for a certain period with the return of funds on a certain schedule.
And now let's talk about ways to get cashmeans. The most basic of all is the transfer of online loans to the card. Practically in all microfinance organizations this method is available (in such companies as "Honest Word", Kredito24, "Turbozaim", etc.). The money is transferred only to the cards owned by the borrowers. In sending funds to virtual cards, microfinance organizations are denied.
Loans online on the card come, as a rule,almost instantly. Sometimes there are delays, but they are not related to poor performance of companies' duties, but to the work of banks, their rules, the load.
In order for online loans to be maximallyconvenient for users, many microfinance organizations have expanded the number of standard ways of providing money. If earlier the funds could be received only on the card or in cash, now people are given the opportunity to order transfers to their electronic wallets (for example, "Yandex.Money", "Kiwi").
Money is always transferred to electronic walletsinstantly. After admission, people can spend them anywhere: on making purchases through the Internet, transferring funds to other wallets or cards, paying off debts in banks and microfinance organizations. Which MFIs offer urgent loans online for an electronic wallet? Here are some of them:
Fast online loans issued by microfinanceorganizations, can not get every owner of the electronic wallet. This is worth considering. The MFI has one requirement. It consists in the fact that the electronic wallet should be identified. Identification is a simple procedure. It can be passed in many ways. They depend on the rules established by the system of electronic money. For example, to make an identified purse in Yandex.Money, you can contact:
Why do microfinance institutions requireidentified electronic purses and do not provide loans online without checks? Such a condition allows them to be sure that they send money to the person to whom the loan is drawn up, and not to a fraudster trying to get funds to his account.
Having a bad credit history is notan obstacle to obtaining a loan. Many microfinance organizations tend to meet clients and issue loans online without refusal. To MFOs with a high percentage of approval are:
However, even in listed companies, sometimespeople are denied. The reasons for this are often the provision of knowingly false information about yourself, an incorrectly filled application, a request for too much money on the first appeal. And now let's take a closer look at the above-mentioned organizations.
A fairly popular service on the Internet isEKapusta. The creators of the resource claim that instant loans are provided online. These words are not fictitious. They are confirmed by users who leave feedback about eKapust. People testify that decisions on loans are taken really instantly and automatically at any time of the day or night.
In addition to fast work, eKapusta also hasmany advantages. This is a convenient interface, and the transfer of money to any account. Loans are available ranging from 100 rubles to 30 thousand rubles. The term of giving money is from 7 days to 21 days. Until the end of the term, a loan extension is available for the required period. This service is allowed to use an unlimited number of times. In case of delay, it is possible to pay off the debt in installments.
No less popular is the "Seymour".This is an automated service, a robot that gives out to the appealing users practically without a refusal loans online 24 hours a day, without holidays and weekends. Received applications, he analyzes for 1 minute, and then makes decisions.
The minimum amount that is received in the service,equals 1 thousand rubles, and the maximum - 30 thousand rubles. Loan term users choose at their own discretion - from 7 to 30 days. It is also worth noting that the "Seimer" has one feature that many microfinance organizations do not have. The robot approves a certain amount - a limit. The user can use it in full or in part. The latter option means that within the established limit you can get several loans.
MoneyMan is another instant issuing serviceloans online. In it, people very quickly receive money in debt. It takes no more than 10 minutes to complete the application, and the company takes about 1 minute to make a decision. No income statement is required. Service makes a decision based on only that information, which is indicated by the borrower.
With the approval of the loan money can be instantlytransfer to the electronic wallet "Yandex.Money." There are other ways of obtaining. These include cards of Russian banks, bank accounts. The MFO is sympathetic to its clients, so if there are difficulties with returning to MoneyMan service, people are given the opportunity to use the extension for 7, 14 or 28 days. If necessary, you can apply for restructuring.
Some people use "Kiwi" -shell.It is not very common in comparison with other wallets, but despite this, microfinance organizations have included it in a number of ways of obtaining money by borrowers. These MFIs include Lime-Loan. Money is given to customers on credit without certificates and guarantors. However, the issuance of loans online without checks is not complete. The solvency of the circulating people is determined through the credit history bureau.
Service "Lime-Loan" offers several tariffs.They differ in the amount of minimum and maximum available amounts, terms, interest rates. The tariff is determined automatically for each customer. With the approval of the loan money can be withdrawn to the "Kiwi" purse. However, there is one condition. The phone on which the personal cabinet is fixed in the service "Lime-Loan" must coincide with the number of the electronic wallet.
It is also worth noting that another conditionreceiving an online loan for the "Kiwi" purse is the availability of a MasterCard or Visa card from a Russian issuing bank. It is indicated when making a loan in the application for identification of the borrower regardless of the chosen method of receiving money. Thus, the card is necessary even for those borrowers who plan, after approval of the application, to order the transfer of funds to an electronic wallet.
There is a lot of microfinance marketsuggestions, so the reviews are different. In general, online loans, according to people, are very convenient. No need to go anywhere, collect documents. Through the Internet, you can immediately send multiple applications to different organizations and wait for the decision.
The main disadvantage of online loans, according to people, ishigh interest rates. Unfortunately, it cannot be otherwise. High interest rates in microfinance organizations are due to the high risks that accompany this type of activity. According to some experts, every second client is a problem. Someone is delaying the payment of the loan for several days, and someone maliciously evades the return of the received funds.
Negative reviews on online loans leavedebtors. The fact is that some companies are rude to their problem customers. Some debtors talk about boorish attitude towards them, about threats. In order not to appear in such situations, it is recommended to approach the choice of service for receiving money more intelligently. Prestigious microfinance companies do not allow themselves such an attitude. They are trying to help people, they offer restructuring programs.
When choosing a service to get loans onlinewithout refusal, you should read all the reviews, because unknowingly you can make a mistake. The fact is that on the Internet there are a lot of scammers you may encounter. According to reviews, it can be understood whether the chosen microfinance organization is decent, whether it seeks to find compromise solutions for its clients who are in difficult financial situations and are losing the possibility of loan repayment.
