Platiza: reviews, conditions for obtaining loans, payment terms

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

Obtaining loans via the Internet is a service that has long become familiar to us. A few years ago, microfinance organizations began to offer it. Platiza.ru (Platiza) entered the number of such companies that began to work remotely. This is a microfinance institution you can trust. It has existed on the remote lending market for more than 5 years, which means that you can apply to it without any fear. However, to get started, you should get to know the company better, find out the conditions for issuing loans, reviews of Platiza from debtors and satisfied customers.

Information about the microfinance institution

The Platiza.ru online service was created in November 2012. At the first time of its existence, it was impossible to say whether the project would be popular and whether it would fall apart like a house of cards. However, every year the microfinance organization improved, strengthened its position, received more positive feedback. "Platiza.ru" today is a popular online service with transparent conditions. All necessary information related to loans is published on the official website. For the convenience of customers, an online calculator has been created. With it up toloan processing, you can find out the amount to be returned.

The company has several advantages:

1. Microfinance organization has not only a standard site that can be viewed from computers. A mobile version has been developed especially for customers. Now any borrower, if necessary, can send an application for a loan from his smartphone or tablet.
2. MFI cooperates with people with bad credit history. A special rehabilitation regime has been developed for them. It includes several steps. The first steps are taking out loans for small amounts. With timely repayments, the limit increases and the interest rate decreases.
3. Loan applications are processed around the clock. No holidays are an obstacle to borrowing money.
4. The company has set only 3 simple requirements for its borrowers. To become a client of this microfinance organization, you need to be a Russian citizen, have registration in the country and be in the age group from 18 to 65.
5. There is a chat on the online service website. Any client with questions can send a message. Employees of the company will quickly give an answer, help in solving the problem.
6. Real professionals work in the microfinance organization. Thanks to their activities, the service can be assigned such characteristics as high quality of services provided, fast work speed, transparency and openness.

Terms of Serviceloans

As confirmed by reviews of Platiza.ru, on the official website of a microfinance organization, you can apply for loans for any purpose without guarantors and collateral. Beginners are offered amounts from 100 rubles to 15 thousand rubles. For borrowers who repay the first loan without delay, the maximum possible amount is doubled, i.e., it is 30 thousand rubles.

Return period for consumer loans is 5-45 days. Each client of a microfinance organization chooses the most convenient period for himself. It is worth considering that interest rates in a microfinance organization are rather high. Loans are recommended to be issued for a short period.

Let's consider an example. In the MFI, a new client submits an application for an amount of 5 thousand rubles. If the loan in Platiza is issued for 5 days, the amount to be returned will be 5,543 rubles. If the client chooses a period equal to 30 days, then the amount to be returned will be 8 thousand 255 rubles. For regular customers, the interest rate is set lower. When registering 5 thousand rubles for 30 days, the amount to be returned is 6 thousand 200 rubles. Official company documents state that interest rates are set for each client from 0% per annum to 841.78% per annum.

Advantages of loans from Platiza.ru

Loans that can be issued on the Platiza.ru website have the following advantages:

1. Internet required to apply. You don't need to visit anywhere. The entire registration process is carried out through the worldwide web.
2. To get a loan from Platiza, you need to prepare a passport, insurancecertificate of pension insurance and a mobile phone. Employment certificates are not required.
3. Customer requests are processed very quickly. The decision is made in a few minutes.
4. Clients of Platiza.ru can choose the most convenient way for them to receive loans. Funds can be sent to a plastic card (Visa, MasterCard, MIR), electronic wallet (Yandex. Money, Qiwi), through the Contact system.
5. Money transfer is instant.

One of the main advantages of loans from Platiza is that the client can influence his interest rate. To reduce it, a confirmation of the profile in video format is provided. This procedure is designed for personal identification. You must have a microphone and a webcam to pass the confirmation. The result of this procedure is that the client can be offered an interest rate of 1% per day. Other ways to reduce the interest rate are to indicate a landline phone number, information about an existing job, the presence of a formalized loan and / or credit card.

Registration on the site and registration of the first loan

People who have not previously used the service in question and decided to borrow the first amount of money should create a personal account for loans on the official Platiza.ru website (for their registration, renewal and return). Here is the instruction:

1. Click on the "Login" button in the upper right corner. On the page that opens, select "Create an account".
2. At the first stage of registration, fill out the form, indicating the last name, first name,middle name, nationality, email and phone number.
3. At the second step, come up with a password to enter your personal account.
4. At the third stage of registration, indicate passport data and SNILS.

After registration, the borrower's credit rating is determined, and individual loan conditions are selected (interest rate and maximum possible amount). Then it remains only to receive money by clicking on the appropriate button. After clicking, the client indicates the term, the loan amount within the available limit and the method of receiving funds.

When applying for a loan for the first time, it is not necessary to register a bank card. However, it may still be required, which is confirmed by customer reviews of Platiza. The fact is that for some borrowers, other methods of receiving money are not available (for security reasons).

A card can be registered if it meets several conditions:

• is nominal;
• served by such payment systems as Visa, MasterCard, MIR;
• balance is more than 3 rubles;
• 3D Secure service activated.

More about credit rating

The credit rating is built into the Platiza.ru service specifically so that customers understand a few nuances and know the answers to their questions:

• how responsibly they treat their financial obligations;
• why banks and MFIs refuse to issue loans and credits;
• how non-fulfillment of financial obligations affectscredit history.

The credit rating is presented for each user of the Platiza online loan service in their personal account in graphical and digital form. The rating is an assessment of solvency. It is calculated automatically taking into account the personal information of the client, his credit history and can be:

1. From 0 to 300 points. Many banks, microfinance organizations tend to avoid clients with such a low credit rating.
2. From 300 to 600 points. This is an average credit score. It may be for those people who have not previously used loans and loans or are undergoing rehabilitation.
3. From 600 to 900 points. These are the maximum possible values. Such a credit rating is considered high. It is assigned to those people who are responsible borrowers and have a positive credit history. The microfinance organization is happy to cooperate with such persons and offers them loans on the most favorable terms.

Repayment options

Microfinance organization advises its clients to repay loans in Platiza.ru in a timely manner. Responsible return of funds has a positive effect on credit history and credit rating.

You can repay loans ahead of schedule, partially or in full on the last day of the term for using the funds. Early repayment is a good option. Clients pay interest only for the actual number of days the funds are used. You can also save money by paying in part. With this payment option, the amount is reduceddebt, and interest is recalculated.

There are several ways to repay loans:

1. Bank card. If it is registered in the system, to repay it, you need to go to your personal account, in the "Current Loan" section, select the repayment function and indicate the payment method (registered card). If desired, you can activate automatic write-off. This function is available in your account.
2. Electronic wallets "Yandex. Money" and Qiwi. The client needs to select a payment method such as "Electronic money" on the "Platiza.ru" website in his personal account, indicate the wallet numbers.
3. Qiwi-terminal or any Euroset communication salon. This method is provided for those who can only repay the loan in cash. Payment is made according to the contract number, which is indicated for each client of the company in their personal account.

Renewal service

Absolutely anyone can suddenly find themselves in a difficult financial situation. The company is aware of this, therefore, it does not require its customers to immediately repay the debt on the last day of the term for using the funds. The MFI offers to use the loan extension service, which is specially designed for such cases when it is not possible to return the amount of money on time.

Platiza reviews say that the renewal is activated in your account. The client is required to specify the renewal period and pay only accrued interest. For example, a loan for 3 thousand rubles was issued. The amount to be returned was 3,651 rubles. When renewing, you only need to pay 651 rubles. The refund of 3 thousand rubles (principal amount) will be transferred to another day chosen by the client. Interest for the renewal period will be added to this amount.

This service helps out in difficult financial situations. Thanks to it, the client maintains a credit rating, the credit history does not deteriorate. If there is a delay, then this information is sent by the company to the credit bureau. This means that your credit history is getting worse. A person's chances of obtaining credits and loans from banks and other microfinance organizations are significantly reduced. Delays are still undesirable for the reason that the amount to be returned is very high.

Company shares

Platiza.ru periodically attracts customers with interesting and profitable promotions. For example, in the fall of 2018, a microfinance organization offered people to participate in the Happy Loan. Borrowers only needed to formalize the contract and avoid late payments. The prize of this action was a discount in the form of write-off (forgiveness) of the remaining debt.

At the end of 2018 - the beginning of 2019, the "GoToSochi" promotion is planned. The conditions for participation in it are the registration of a loan in Platiza (on a card, on an electronic wallet or in cash) and the decent fulfillment of financial obligations. The prize fund includes several gifts - 1 certificate (for 2 people from Moscow) for a trip to the Rosa Khutor resort and hotel accommodation, 10 modern and high-quality smartphones (Xiaomi Redmi Note 5), 7 discounts in the form of write-off (forgiveness) of the remainingdebt.

Reviews from regular customers

Regular customers speak positively about the microfinance organization. They attribute transparency and honesty to the advantages of an online service. Without any pitfalls, the option of early repayment is offered to borrowers.

In a microfinance organization, as customers note in reviews of Platiza, it is best to issue small loans (from 100 rubles to 1,000 rubles) for a short period of time. The interest is minuscule. But for large amounts, it is best to contact banks so as not to overpay significant amounts.

Regular customers give an example in their reviews of Platiza: if you order 15,000 rubles for 30 days, you need to return an amount of more than 18,000 rubles. This example clearly shows that the loan fee (more than 3 thousand rubles) is too high. However, high interest rates apply to all MFIs. This is a fee for the opportunities that are offered to customers (loans without additional documents, quick decision making, different ways to receive money, instant transfers, etc.).

Reviews of debtors about Platiza

Debtors form a negative opinion about the microfinance organization. If a delay occurs, the online service employees immediately begin to call. Sometimes, as people say, employees allow themselves to communicate in rude tones with borrowers.

Some people in negative reviews about Platiza write that they were indebted due to the fault of the company. For example, one mansaid that he had applied for a loan on the Platiza.ru website. After the expiration of the term, the money could not be returned. The man decided not to wait for the delay and activated the extension. In the future, he used the extension service several more times and eventually repaid the loan. A little later, this client was faced with refusals to obtain bank loans. The man decided to check his credit history. It turned out that the company sold debts to collectors 3 times. These debts were listed as unpaid. To get an explanation, the client contacted the support service. The company apologized and promised to update information on loans.

"Platiza.ru", despite the negative reviews, is a high-quality and reliable service. The company has partners with an impeccable reputation. Among them are Yandex. Money, the United Credit Bureau, the National Bureau of Credit Histories, Equifax, Deiteriy, etc. There are many satisfied people among MFI clients who confirm the company's integrity and talk about the fact that Platiza gives loans with open delinquencies, i.e. e. does not pay attention to credit history. It is also worth noting that the microfinance organization does not stand still. She strives to improve, come up with new solutions to meet the needs of her customers.