"Cabbage", loan: customer reviews, interest rate, loan repayment terms

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

In the article, we will consider reviews of the online loan "Cabbage".

Internet with high activity conquers more and more areas of human life. Already, even pensioners and young children can easily register on social networks, send messages, play games online, watch movies. Users make purchases on the Internet, pay for services and consult on issues that concern them. Moreover, in times of need, they can even borrow a small amount of money.

Cabbage loans, according to reviews, are the easiest way to deal with temporary financial difficulties, with which you can borrow a certain amount before an advance or salary, besides, there are no unnecessary problems.

General Loan Terms

Loan conditions are as follows:

• amount from five hundred to thirty thousand rubles;
• period of one to three weeks;
• Interest on the "Cabbage" loan for the first weekon day 2, 3%, 1, 7% - for each next day.

New MFI clients can count on 0% rate.

That is, interest-free loans at Cabbage are a very real thing.

What is online loans?

Microfinance organizations provide short-term loans to citizens. To ensure a comfortable environment for clients and to keep up with the times, many MFIs are now operating on the Internet, where they create sites with a pleasant interface and convenient controls.

The times when you had to "knock" the thresholds of acquaintances and friends to ask for a payday loan are over. Now, netizens in need of finance can fill out a simple application in five minutes and receive the required amount in a suitable way. On the Internet, instant loans "Cabbage" have become very popular. The name itself speaks for itself, that is, you can easily get money.

For many years the company has been operating in the microfinance market, among MFIs that provide services online, it is a pioneer.

The creators of the service on the Internet "Cabbage" for the issuance of a loan have made quite a lot of efforts to make their customers satisfied with working with a microfinance organization. The main task of "Cabbage" is the quick issuance of funds online. It has no employees, all operations are carried out by a special program that checks the borrower according to more than 1800 parameters, and decides whether or not to lend money to him. They are not given, as a rule, only to those people who filled out the information whenregistration is incorrect.

According to reviews, the first loan "E-Cabbage" is very popular because it does not need to pay interest.

Benefits

Loan "Cabbage" has the following benefits:

• You can apply without leaving your home. The Kapusta website offers to fill out an electronic questionnaire, and for this you do not need to visit the office of an MFI or a bank.
• Customer loan applications are processed around the clock. In some cases, it happens that you need money at night. In the trading world, there is an active attack on the buyer, stores arrange sales, promotions, Cyber Mondays, Black Fridays, Sales Nights, etc. Discounts on goods these days can reach 80%. The consumer wants to purchase them at a reduced price, but at the right time there is no money in the e-wallet. In such cases, the Kapusta service helps, providing funds at any time of the day, including at night.
• The questionnaire is very simple, it requires a minimum amount of information.
• Minimum documents. You will need a mobile phone and a passport.
• Very fast review. The decision to issue money is made literally within a few seconds after sending the application. It is positive 90% of the time.
• Variety of ways to get a loan. Money transfer is possible to electronic wallets ("Single Cashier", "Yandex. Money", QIWI), bank account, as well as through transfers "Zolotaya Korona", CONTACT. Minimum terms of crediting: to a bank account - up to threedays (depending on the bank), for electronic wallets - two minutes; transfer - one day.
• Debt is very easy to return. Moderate interest for using microcredit (when compared with other MFIs). Loans available in Russia. The limit is from 100 to 30,000 rubles, the loan period is from one to three weeks. If necessary, the microloan can be extended.
• Lower interest rates for responsible borrowers.
• Privacy, security and mobility. Any device makes it easy to fill out an application for funds (phone, tablet, computer). It is better to familiarize yourself with the reviews about the "Cabbage" loan in advance.

Personal account

In the personal account of "Cabbage" the client has the opportunity to:

• applying for a microloan online;
• see the terms of the loan and whether it is approved;
• view the current microloan balance and repayment schedule;
• extend the period of use of funds (prolongation);
• get more favorable terms for loans in the future;
• ask support questions.

If logging in or registering in your personal account causes difficulties for the client, he can use the instructions that are available on the Internet and describe everything in detail.

Online checkout

The design is as follows:

• on the website of the organization you need to select the term and the desired amount;
• registration and granting access to the client's personal account;
• personal information is written (data onpassport, place of residence, full name, information about loans taken earlier);
• you can get a solution online for five minutes around the clock.

Incoming applications are automatically reviewed by the system, which will analyze a large number of parameters to evaluate the details of the borrower to reject or approve the application.

The size of the overpayment for the use of a microloan is known in advance.

The client does not wait long for the transfer of money, receives funds almost immediately, regardless of the time of day or night.

Who will get a microcredit?

Requirements for clients are not as strict as in other MFIs or banks. Any adult citizen with a Russian passport and citizenship can become a borrower.

What documentation is required? In order to send an application for a quick loan "Cabbage", you need to go to the site with the same name ekapusta.ru and register on it. You can do this from any device that has internet access. After registration, the user will have access to microfinance services and a personal account. To apply for a loan, you will need a photo of two pages of your passport (registration address, full name). Borrower identification is required. It's easy to do - write "E-CABBAGE" on a piece of paper by hand, and then take a picture with this sheet in front of you. Such actions will confirm the submission of an application by the client, agreement with the terms of the loan, and fraud is excluded. The user uploads ready-made photos on the site in his personal account.

When bad creditstories

Thanks to the Kapusta service, quick loans are provided online at the right time, it offers a program to improve (correct) credit history. People with no credit history experience problems when lending along with those who have a damaged credit record. Banks treat them with distrust, often refusing loans. The E-Cabbage online service offers such clients to consistently correct or acquire a credit history, as well as improve their rating. Three stages are included in the program: the first loan is up to a thousand rubles, the second - up to two thousand, the third - up to three thousand. The task of the user is to return the money on time. Kapusta transmits information about the returned loan to the National Bureau of Credit Histories. Thanks to this, a credit history is formed (in its absence so far) or corrected.

Loan repayment terms

The attitude towards the client is formed from a conscientious approach to the return of microcredit. Paying for a loan is as easy as getting it. Funds are instantly transferred to the company's account. If the debt is repaid in full on time, Kapusta raises the loan limit in the future. Possible ways to pay for the loan: using electronic wallets: "United cash desk", "Yandex. Money", "Kiwi"; money transfers "Zolotaya Korona", CONTACT; bank transfer; Maestro, MasterCard, VISA cards. The Cabbage loan allows customers to receive a nice bonus - five hundred rubles for each invited friend. The service is easy to recommend to friends. Perhaps the information will be for them in time received and useful. The bonus is used to pay off their microcredit, and the invited friend will receive a discount of 500 rubles on the loan for the first time.

How to repay the loan "Cabbage"?

You can pay off the debt:

• via internet bank or bank card;
• through QIWI - payment system;
• by transfer via the "Contact" system or using any Russian cash bank;
• in branches and terminals of Svyaznoy and Euroset.

Each user of the system receives payment details in his personal account, he can find out about the repayment and payment of a microloan using a card when he enters it. If it is not possible to log into your account and the time has come to repay the loan in Kapusta, you need to contact the support service via the online feedback form on the website or by phone.

Party liability and security

Although the process of issuing microcredits is fully automated, the Ekapusta service allows you to ensure confidentiality and security, and personal information of customers is protected in accordance with Russian law. Borrowers need to reasonably assess their ability to repay the loan. The service, in case of non-repayment, calculates daily interest and pen alties until the day when the loan is fully repaid.

Reviews

In general, feedback on the loan "Cabbage" is mostly positive. Clients like: no red tape with documents; no need to look for guarantors and collect certificates;credit is issued remotely; funds are transferred instantly; fast and accurate service; acceptable percentage.

The convenience of obtaining microcredits on Yandex. Wallet is noted, funds are transferred quickly if it is identified. No less convenient repayment. Some users talk about having to take out loans before they receive their paychecks, and the company we describe stands out from the background of other microfinance firms, which helps out with financial difficulties.

Are there only positive reviews about the Cabbage loan?

Of course, there are also disadvantages. So, the work of the hotline is not well established, it is difficult to get through. Customers would like to receive prompt answers to their questions. They offer to develop communication with users online. Such a chat would be a salvation, because there is a lot of incomprehensible information about the loan product.

Some negative reviews about Kapusta online loans are associated with too high a percentage, but no one forces you to use the services, all conditions are written in advance, so the client knows what he is getting into. Of course, the overpayment is tangible, but if you urgently need funds, you can turn a blind eye to this.

Sometimes customers experience difficulties with clearance. There are also tips from users who think it's better to look at more well-known microfinance institutions.

We reviewed customer feedback on the Cabbage loan.