2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Not only banks can provide credit services to the population. Various financial institutions offer loans not always at favorable rates. As a result, MFIs have become one of the leaders in terms of the number of offers on the microcredit market. The population applies for a loan for various reasons, and almost always citizens receive approval of applications, unlike banks.
However, it should be borne in mind that each microfinance company puts forward its own conditions when concluding a loan agreement. Therefore, it is important to understand that although the company is less influential than any of the domestic banks, it is also subject to the rules of the Central Bank and the Ministry of Finance, as well as the Civil Code.
Offices of "VIVA Money" are located in most large and medium cities of Russia. The company has extensive experience in microcredit and offers one of the most favorable conditions compared to other financial and credit institutions.
Benefits of MFIs
If we talk about reviews of VIVA Money, many customers note strict compliance with current legislation in the field of microcredit regulationpopulation. The employees of the organization are always polite and courteous. As for the benefits, MFIs have many.
First of all, this concerns the extended limit. If you have a good salary, you can get a loan of up to 40 thousand rubles already at the first application. This is significantly more than many MFIs offer in the microfinance market. Since the company has a license from the Central Bank, it fully complies with the established forms of contracts and does not violate them.
In addition to the extended limit, a long loan repayment period is also provided. The client can pay the debt in parts broken down for up to 12 months. Although the interest rate on microcredit is higher than on a consumer loan in a bank, it does not go beyond the established limits of the Central Bank.
About company
Reviews about VIVA Money as an MFI indicate that the company has extensive experience and strong ties with its clients. The organization always offers favorable loan terms and extended borrowing limits to customers who frequently apply to the institution. In addition, the accumulated base of borrowers and strict compliance with the law allows you to have a good rating among financial institutions.
The company has extensive experience not only thanks to the well-coordinated work of the team, but also because it has existed in the credit market since 2011. For 7 years, the founders have been constantly improving the system for providing loans, introducing new conditions and technologies for obtaining them. During this long period of existence, the MFI has opened more than 20 branches throughoutcountry.
A positive aspect of the company's work is that they provide loans only after a full check of all details. This is especially important. After all, there are cases when, through the Internet, scammers draw up a loan for a figurehead or stolen documents of another person.
For the first loan, you must come to the office and provide original documents. Citizens can apply online. Only after passing a full check of all the data and the handwritten signature of the loan agreement, the citizen receives the amount of money indicated in the application.
How the company works
Reviews of "VIVA Money" also note the convenient system of the company's work. To obtain the required amount of funds, various credit programs are offered. The very principle of operation of MFIs is well-established and at the same time simple. The official website of the organization contains a registration form. After filling it out, access to your personal account opens.
By registering, the client gets the opportunity to leave an application for a loan online. Filling in all the fields with information does not take much time. After that, you must confirm all the specified data and indicate the required loan amount. After that, the application is sent to the operators for consideration. They check the initial data and make a decision within 10 minutes.
Next, the client must go to the nearest office to complete the loan. Money is issuedcash or bank transfer. However, it should be understood that the first loan is always issued and issued at the office.
VIVA Money microloans allow you to get a loan on different conditions. The company has an express loan program or a round-the-clock loan. At any time, the user can apply to the MFI to receive the required amount of funds. If a client has already used the microloan system from this company several times, he can count on a loy alty program. It allows you to receive the necessary credit limits online or by phone without visiting the office in person.
How to get a loan
Reviews about "VIVA Money" often say that users do not know how to get the first loan. You can also find reports that they are denied a loan, although the credit history is good, and there are no outstanding debts. In fact, such a situation in the company is not uncommon. Employees refuse borrowers if they are not located in the region where the organization's office is located. If the registration is not in the city or region where the branch is located, the application will be automatically rejected.
In order to apply for a loan, you need to go to the official website of the company. On the main page, you will immediately be prompted to select the loan amount and term. After that, the system will transfer the user to the registration page. It will require you to indicate all the information about yourself and attach scans of documents if necessary.
At the end, the region where the company's office is located is selected, and the information is sent to the MFI server. Employees check the data andmake a decision to grant a credit line or to refuse this action.
Card design
"Viva Money" also offers a convenient opportunity for its customers to issue a branded card to receive borrowed funds. It completely looks like a bank account, and through it you can withdraw funds or pay with it in any store or institution. This is quite convenient, because the card supports all payment systems and cash withdrawals.
The system is easy to use and allows you to withdraw funds without commission at any ATM in the country. There is an important nuance: you can withdraw funds only at terminals that support the VISA system. Viewing all completed transactions on the card is available in the user's personal account on the company's website.
The card not only has credit funds, but can also be completely debit. There is no service fee as long as there is active activity on the account. Customers who frequently use this offer will enjoy extended benefits and other exciting perks.
Loan repayment methods
"Viva Money" makes it possible to deposit credit funds and interest on them through any payment system. This is quite convenient, especially when you need to quickly transfer money and repay a loan. Depending on the chosen method of repaying the loan, fees may be charged for the implementation of this operation by intermediaries providing such a service.
It is also worth paying attention to the established limits and restrictions. Internet wallets and paymentsystems may not fully transfer the specified amount, as restrictions are set. So, users of online wallets who are not registered in the system can send money in one transaction in the amount of no more than 15 thousand rubles.
Risk insurance
A loan from VIVA Money has recently become subject to insurance. This is a new program in the MFI system, which is completely copied from bank offers. Many users know that when applying for a consumer loan, it is proposed to take out insurance in order to avoid the risks of non-payment of debt. The program protects the interests of clients for up to two months, depending on the amount and the chosen loan term.
This is quite convenient, because the interest on microcredit is higher, and the terms are shorter. In case of unforeseen circumstances, a citizen can always contact the MFI and warn the operator that at the moment he does not have time to deposit funds. In addition, the insurance protects borrowers in the event they become partially or completely unable to work for a set period of time.
Requirements for the borrower
"VIVA Money" considers applications based on the established requirements for potential borrowers. Everyone is offered equal conditions for issuing loans. This is due to the fact that the technology developed by the company for assessing the borrower makes it possible to avoid further formation of a delay in the debtor.
The basic requirements for applying online are as follows:
- CitizenshipRF.
- Permanent (not temporary) registration of the applicant at the location of the company's office.
- Age over 21 years old (applications of male citizens who do not have a military ID are not considered).
- No open debts to MFIs.
A more detailed consideration of the application takes place directly at the company's office. You must provide original identification documents.
Help & Service
Addresses of "VIVA Money" and the cities in which the MFI is represented can be found on the company's website. In Moscow, the office of the company is located at st. Zemlyanoy Val, 29, building 1.
In Togliatti branch can be found at st. Dzerzhinsky, d. 21. If you need an urgent loan in Krasnodar, then experts will help you get it at st. Stavropolskaya, 254/3, or st. Oktyabrskaya, 177/1.
You can immediately go to the office without filling out an application via the Internet. Specialists will advise on the selected loan and issue it within 30 minutes. In addition, support on the phone numbers indicated on the site works around the clock.
Clients of the company note that employees always try to meet the needs of borrowers. Therefore, in case of unforeseen circumstances, it is important to immediately contact the MFI office for a solution to the problem.
Ongoing promotions
IFC "VIVA Money" constantly holds various contests and promotions to attract new customers and encourage them for their activity. Basically, these are bonuses in the form of cash amounts. Anyone who bringsfriend in the MFI, receives 500 rubles as a gift when applying for a loan.
In addition, every quarter the organization raffles off various household appliances and electronics. There are also special prizes. The most active borrowers with a good credit history are invited to participate in the competition for a gift of 100 thousand rubles.
Are there discounts
VIVA Money offers all new customers a loan on special terms. Any of the applicants can get a small loan at 0%. The promotion is valid only if the citizen repays the debt within the first 7 days.
In addition, there are discounts for pensioners. Older people can apply for loans with a 10% discount when the loan is repaid in full. There are sections on the official website of MFIs that always indicate current and current microcredit offers.
Recommended:
"Viva-Money": reviews of debtors, loan conditions, interest rates, debt repayment and consequences
Companies that lend money today are becoming more and more, while their interest is less and less loyal to the borrower. But what to do if living conditions force you to climb into bondage and agree to such conditions? First of all, carefully get acquainted with the conditions, as well as explore alternative options. Today we will talk about the Viva-Dengi company. Reviews of debtors will help to understand whether it is worth dealing with its representatives
Card "Molodezhnaya" (Sberbank): features, conditions for obtaining, reviews
Sberbank of Russia is regularly developing new banking products, they are aimed at meeting the needs of various categories of citizens, regardless of age and status. Sberbank has released such a card product as the Molodezhnaya card specifically for its young clients
"Euroset", "Corn" card: how to get. Credit card "Corn": conditions for obtaining, tariffs and reviews
The ever-increasing competition in the financial market forces organizations to create more and more new programs that most accurately respond to consumer needs and empower them. Sometimes, it would seem, completely different organizations engaged in different activities come together for mutually beneficial cooperation. An example of such a successful combination was the "Corn" ("Euroset") card
Company "LesDomstroy": reviews. "LesDomstroy": office addresses, opinion of builders
The company, whose high professionalism receives invariably positive reviews, is LesDomstroy, with its help, turnkey construction has been carried out for almost a decade and a half. Also, the specialists of this company provide services for the design and construction of suburban housing
"Mastercard Standard": types, purpose of the card, conditions for obtaining, recommendations and reviews
International payment system Mastercard Incorporated. Types of Mastercard payment cards. Mastercard Standard: features, advantages and disadvantages. Where to apply, under what conditions and how to use it profitably?
