Microfinance company "Do Zarplata" - customer reviews, features and services

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Turning to MFIs, clients want to get a loan quickly and on favorable terms. Competition in the microcredit market is very high, so each company is actively fighting for its popularity. You can find out about the conditions of the MFI through the Internet by reading reviews about the activities of the lender. One of the most demanded companies is the MFI "Do Salary", reviews of which are available both on the official website of the lender and on other information resources.

Features of the organization

Good reputation (7 years on the market) and active lending activities have allowed this IFC to become the largest representative of the microcredit market in the North-West region of the country. The microfinance company "Do Zarplaty" has been operating since 2011. Clients can get a loan not only in the offices of the organization, but also online. Over 95% of applications are processed online.

The activity of the IFC is regulated by the Central Bank of the Russian Federation, as evidenced by the inclusion of "Before Salary" in the register of MFIs in Russia. The company works withcompliance with state requirements for microloans, regularly undergoes inspections by regulatory authorities.

Reviews about the company "Do Zarplata" indicate that the MFI does not hide its income and actively shares data with all clients. Copies of documents disclosing financial statements are presented on the official website of "Before Salary".

Investing in development

"Before Salary" invites clients to become not only borrowers, but also investors. The presence of investment programs confirms the high A. MF reliability rating assigned by the National Rating Agency. Clients can invest in rubles, US dollars or euros.

Reviews of IFC "Before Salary" investments in the network are positive. Firstly, investors note a high interest rate - up to 23.1% per annum. Secondly, investors are attracted by the reliability, stability of the company and "transparent" business.

Interest on investments is paid monthly to the account selected by the client. This is convenient and allows you to control the status of attachments. Investors decide for themselves how much and how long to draw up a contract.

The minimum investment amount in rubles is 1.5 million. The maximum interest rate is possible when depositing funds from 5 million rubles or more.

Clients' opinions about investing in IFC

In the reviews of "Before Salary" it is said that upon receipt of interest from the investor, 13% of personal income tax is immediately deducted. It's very convenient ashow depositors do not have to draw up a declaration on their own and provide data to the branch of the Federal Tax Service.

Clients' opinions about investments in MFC "Before Salary" are mostly positive. Investors are satisfied with the tariffs and the quick execution of the contract. Reviews of "Before Payday" indicate that there are no problems with monthly interest payments.

Those clients who are ready to contribute 5 million rubles or more to the development of the company are indeed provided with individual conditions. The interest rate under the agreement 23.1% is set immediately after the signing of the documents.

Other investors who are ready to invest from 1.5 to 5 million rubles can count on 13.1-23.1% per annum. For them, the percentage depends on several factors:

• The financial condition of the IFC in the current period.
• Amount of capital.
• Length of relationship with the microfinance institution (as an investor partner).
• Individual savings plan, which is drawn up by the client at the conclusion of the contract.

Loan products of MFI "Payday"

The lender offers borrowers several options for obtaining a loan:

• Interest-free loan.
• Loan secured by car.
• Microloan on selected terms.

The choice of the type of loan is up to the client. A person can apply for a loan in person at the office of the companyin St. Petersburg, Murmansk, Arkhangelsk, Samara, Magnitogorsk and other regions (the full list is on the website "Before Salary").

The manager will help with the selection of the option if clients apply for a loan at the "Before Salary" office. When applying online, the borrower can contact the chat, where an MFI specialist will select a personal offer within 15 minutes.

General lending conditions at the MFI "Before Salary"

Microfinance organization allows you to get a loan on the following terms:

• For up to 1 million rubles. New customers can count on the first loan up to 10 thousand rubles, on the second - up to 100 thousand rubles. Amounts over 100 thousand rubles are provided only on the security of property.
• Money is issued within 15 minutes from the date of application. When choosing a bank card as a method of receiving money, money is credited instantly.
• There is the possibility of "holidays" for debt payments up to 15 days.
• You can repay the loan in any convenient way.
• Loans are issued at a reduced interest rate (relevant for regular customers).
• Credit term up to 1 year.

Requirements for borrowers

To qualify for a loan, customers must meet certain requirements:

• Be a Russian citizen.
• Be over the age of 18.
• Have a stable income.
• To live in one of the regions of Russia.

Despite the requirement of official earnings, its confirmation when applying online or at the "Before Salary" officenot required. The exception is cases of obtaining a loan in the amount of 100 thousand rubles or more.

As people write in reviews of microloans "Before Salary", money can be issued within a day after the application is submitted. This indicates the requirement of the IFC to provide any second document (except for a passport) at the choice of the borrower. This can be a passport, a driver's license, a vehicle registration certificate or a 2-personal income tax certificate.

If the client meets the requirements, he can apply online or contact the MFI office for help. The employee will tell you how to get a loan from the company "Before Salary", help with filling out the documents.

Conditions for obtaining a loan without interest in MFIs

"Before Payday" is one of the few companies in the microcredit market that provides loans to new customers without interest. The conditions are valid until the end of 2018.

This is a special type of loan with the following terms:

• Fixed amount - 7 thousand rubles.
• Fixed loan repayment period - 7 days.
• 0% overpayment if all requirements are met.
• Only a Russian passport is required for registration.

A share with an interest-free loan is "floating". New conditions are provided at various intervals 1-3 times a year. In the reviews of Payday, customers indicate that they can use the unique offer only once.

If the repayment period is exceeded, interest will accrue according to standard lending conditions.

Car Loan

Only 5% of MFIs in Russia provide clients with the opportunity to obtain a loan secured by their own car. This offer is in demand, as it allows borrowers to receive large amounts (up to 1 million rubles).

The difference between this type of loan and the classic offer is the presence of collateral, which is the client's vehicle. The lender sets special conditions for the collateral object, which the client can get acquainted with on the website "Before Salary".

To apply for a loan online, just select the loan amount and monthly payment, as well as indicate the make and year of the car. Confirmation of the operation is carried out using the code via SMS. After that, the program will calculate the possibility of granting a loan and require the provision of mandatory information.

Loans are issued for up to 12 months with the possibility of early repayment of funds.

Selecting a loan online: features

To get a loan from the MFC "Before Salary", you do not need to contact the office. Most clients prefer to submit their questionnaire online. It only takes 15 minutes to fill out the form. The loan decision is made by MFI specialists within 7 minutes.

For the convenience of customers, there are 3 lending options:

1. Loans up to 10krubles for up to 20 days.
2. Loans up to 30 thousand rubles for 20-30 days.
3. Loans up to 100 thousand rubles for up to 1 year.

New borrowers can get a loan of up to 10 thousand rubles. When the funds are returned without delay (no more than 15 days), the borrower has the opportunity to receive a loan of up to 30 thousand rubles. Large loans for 30-100 thousand rubles are issued after the successful repayment of two or more loans.

Loans secured by property are issued for up to 1 million rubles. The decision on the application for such amounts is made by a special commission. The consideration period is no more than two days from the moment the client provides documents on the availability of property.

Customer feedback on staff performance

Reviews about the MFI "Before Salary" prove the competence of employees. On the Internet there are scanned copies of real documents of borrowers. For convenience, they are collected in one section on the official website, structured and signed.

On the website of the MFI "Do Zarplata" real reviews about loans and employees are confirmed by copies of documents. Potential borrowers can familiarize themselves with the full name. payer, read the text in the original or electronic version.

All visitors note the following advantages of the company:

• Neat looking managers.
• Competence of employees.
• Courtesy and attention to customers.
• Fast work without delays and delays.

In addition to the official website, there are other portals on the network where you can read reviews about a microfinance company"Before Payday" In general, they do not contradict the advantages of IFC described above. Clients note that competent recruitment is a strong feature of the lender.

Customer opinion about microloans

One of the main indicators that potential borrowers pay attention to is the presence of positive reviews on the network. Without them, it is difficult to judge the real conditions of the loan and the chances of its approval.

More than 80% of customer reviews of "Before Payday" are positive. Payers note the following benefits:

• For the issuance of money, employees require a minimum of documents - all loans, except for a mortgage loan, are provided with the presentation of only a Russian passport.
• Convenient repayment terms. If the amount is issued for 3 or more months, the client receives a payment schedule with contributions scheduled by date and amount.
• Providing "loan holidays". All borrowers have the option to defer the payment of the monthly installment once for up to 15 days.
• Gradual limit increase. Reliable payers "Before Salary" are expanding financial opportunities, increasing the loan amount with each new application.
• Promotions without cheating. After paying four loans at the MFI "Before Salary", the fifth loan is issued to clients without interest for use.

Negative feedback about the company "Before Salary"

It is not always possible for MFIs to meet the requirements of borrowers. Therefore, negative reviews about "Before Salary" innetworks are also available. This means that MFIs have areas for growth and business improvement.

This is a normal indicator of high-quality and active work in the lending market. The complete absence of bad comments in 98% of cases means that the lender's services are not popular, and positive reviews are written "on order".

Microfinance company "Do Zarplata", according to the complaints of borrowers, approves loans only in 90% of cases (instead of the stated 99% on the lender's website). The reasons for refusals can be: an error when checking a passport, a bad credit history of the payer, low solvency and the presence of three or more outstanding obligations.

Information from customers in the reviews of the IFC "Before Salary" reveals not always the correct operation of the system. So, people report that sometimes SMS about crediting funds to the card arrives 2-4 hours late, when the money has been in the client's account for a long time.

Also, borrowers complain that issuing banks are considering the transfer of funds from the lender to the borrower's account for a long time. When applying for a loan on Saturday or Sunday, the money can be credited to the card only on Monday.