"Webbanker": customer reviews

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

Each of us has experienced an acute shortage of money. For some, finances, for example, were required to buy medicine, for others, to buy a gift. In such situations, there is often no time to call relatives and friends to ask them if they could borrow the required amount. You can take money from the microfinance organization Webbanker, reviews of which are varied.

Introducing the company

In 2012, the microfinance organization "Webbanker" entered the market of credit services. It carries out its activities through a specially created website. It provides all the information about the organization, methods of obtaining a loan. Since the company works through an online service, the following advantages can be distinguished from it:

• customers apply for loans and receive money any day and at any time;
• users are given the opportunity to find out the amount of the refund before sending the application;
• to apply for a loan, you need a passport, a personalized bank card,phone to receive notifications;
• there are several ways to receive money and repay a loan, among which each user chooses the most suitable for himself.

The company claims that all personal data after filling out applications is transmitted through secure channels. Users can be sure that third parties will not use the transmitted information for personal fraudulent purposes.

Loan processing

You can start applying for a loan on the main page of the official website of the microfinance organization, as evidenced by reviews of the Webbanker MFI. It all starts with the calculation of the final amount. The user marks the required amount of money, the term, indicates the number of loans taken from the Webbanker company. After that, an automatic calculation is made on the site and the refund amount for a new or loyal client is shown.

A loan is issued in accordance with certain conditions:

• allowable amount from 1,000 to 15,000 rubles;
• return period can be set from 5 to 30 days;
• for new customers, the interest rate is set at 1.9% per day;
• It is more profitable for regular customers to take loans, because for them the interest rate is 1.2–1.8% per day.

Application review

When you first contact the company, it takes time to review the application. Loan reviews at Webbanker indicate that the company may not report its decision within 30 minutes. If you need to get some additional information about the person who applied, the time for consideration of the application will be extended to 5 hours (other conditions apply to regular customers - a positive decision is made automatically). After receiving the necessary information, the company will report a positive decision or refusal.

If a refusal is reported, then "Webbanker" does not report the reason. Employees only say that the company forms a decision based on various sources of information, and a re-application is considered only after 180 days. Additional details withheld.

Example of a loan

To understand the conditions for lending money and to verify the veracity of the reviews about MFO Webbanker LLC, which we will consider below, we will analyze an example. A person needs 8,000 rubles for 30 days. The company provides new customers with such an amount, provided that at the end of the term they return 12,560 rubles. This is a rather large amount, so when applying for it, you should think about whether it will be possible to repay the debt in a month. You can reduce the repayment amount by shortening the loan term. If you select a period of 20 days, the refundable amount will be 11,040 rubles for new customers.

Regular users have lower totals. For example, a client applied for loans in Webbanker 8 or more times. When applying for 8,000 rubles for 30 days, you need to return 10,880 rubles, and when applying for 20 days - 9,920 rubles.

Receive approved funds

Company providedseveral ways to issue approved amounts, which is confirmed by customer reviews of Webbanker. So, money can be sent to a bank card. This is a very convenient way. After the receipt of money, the client can pay for purchases using a card, withdraw the required amount from any ATM and spend it on his needs. However, it is worth noting here that money is not always credited to a bank card instantly. Sometimes there are delays. They have nothing to do with the microfinance organization Webbanker. Delays may be due to bank conditions.

For people who make online purchases and pay for various services on the Internet, a convenient way to get a loan is to transfer funds to the Yandex. Money electronic wallet. The wallet must be identified. Otherwise, the transfer will fail. For customers who do not have bank cards and an electronic wallet, there is another way to receive money - in cash at any bank that supports the CONTACT money transfer system. You need to have a passport with you.

Loan Extension

Very often, clients have financial difficulties that could not be foreseen. The company proposes to prevent the occurrence of delays in Webbanker. The reviews write about the availability of extension services. It can be used by all users of the Internet resource. Several conditions are defined for the service:

• renewal is possible from the 4th day of the active loan;
• the term of use of the issued funds can be increased by a maximum of 30days;
• for each day of renewal, you need to pay 50 rubles and accrued interest;
• You can extend the loan an unlimited number of times.

Positive customer reviews

The microfinance organization has regular customers who leave positive feedback about Webbanker. In them, users note that they actively use the services due to the presence of a lot of advantages:

• simplicity of loan processing (borrowing money is less formalized than in any of the existing banks);
• speed of filling out the application and its consideration;
• accessibility (services can be used anywhere - at work, at home, on vacation).

Clients attribute high interest rates to disadvantages. Some people recommend contacting the bank. Reviews about "Webbanker" indicate that when contacting the company, you have to overpay significantly. However, banks refuse some users, and only Webbanker approves. Because of this, customers are grateful to the service for helping them out in a difficult moment, giving them money without the need to provide any certificates and guarantors.

Positive feedback about "Webbanker" is also expressed about the existence of an affiliate program. Created by:

• for webmasters;
• owners of affiliate and ad networks;
• online stores;
• sites with paid services.

People who wish to participate in the affiliate program fill out a special form on the company's website indicatingname, surname, patronymic, phone number and e-mail address. Using the contacts received, Webbanker employees contact potential partners and discuss all issues. The affiliate program is characterized by:

1. Quickly generated statistics. Advertising materials published as part of the affiliate program attract Internet users. Many decide to take out a loan. Applications are processed very quickly, and statistics are automatically generated immediately.
2. High yield. You can attract an unlimited number of people to the company's website. For each new client, the partner is paid a reward.

Negative feedback about Webbanker from debtors and potential clients

Negative comments are mostly left by debtors. They do not like the way the employees of the company begin to treat them. Debtors begin to call from the first day of delay. Calls come to work, to acquaintances, that is, to all those phone numbers that were left by the borrowers. Employees can be rude when talking to a customer. They demand a refund.

There are more testimonials from people who have not been approved for a loan. Such clients complain about the long consideration of the application. One person was still dissatisfied with the dissemination of the specified data in the questionnaire. The microfinance organization refused to issue money, but at the same time transferred the client's contacts to other persons. The next day, he began to receive incomprehensible calls and messages from various microfinance institutions, which said that the application was denied, which the person did notwrote.

Tips for users

If you took out a loan from a microfinance company, but for some reason you cannot repay it on time, contact the company's employees and report it. Often, customers are met halfway, they provide several days for payment, during which they do not wind up interest.

If there is a delay, then pay attention to how the company's employees treat you, whether they violate the law. Interaction with the debtor should take place on business days from 8 a.m. to 10 p.m. On weekends and holidays, the company also has the right to call. Valid time is from 9:00 to 20:00. Remember that abuse of the right to collect, intentional harm to the borrower is unacceptable. You can file a complaint with the company or the prosecutor's office.

The online service as a whole is very convenient, as evidenced by the reviews of Webbanker. This is not just about applying. The site contains all the necessary information on obtaining and returning loans. If you have any questions, you can quickly contact the support team. Chat with specialists is available on the official website.