Green Money: customer reviews, the procedure for applying for loans
Green Money: customer reviews, the procedure for applying for loans

Video: Green Money: customer reviews, the procedure for applying for loans

Video: Green Money: customer reviews, the procedure for applying for loans
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Microfinance in a short time allows you to receive the necessary amount of funds remotely or during a visit to the office. There are many benefits to this type of loan. Some of the main ones are high loy alty to new customers and fast processing times for cash applications. Green Money is one of the leading MFIs in the financial services market.

green money personal
green money personal

The company offers to issue a loan and sign an offer remotely. This is convenient and allows you to get the right amount of money in any part of the country. Reviews about Green Money indicate that, in addition to the high speed of work, users can receive funds remotely directly to a bank card. To do this, after registering in your personal account, convenient tools are offered for issuing and repaying a loan.

Company Description

Throughout the existence of the company, reviews of Green Money are in most cases positive. This is due to the fact that debtors receive favorable interest rates, as well as high-quality services provided in the microfinance market. Not every MFIboasts a large audience of over 100,000 people. The company gained a leading position in the market due to the high speed of service.

Interest rate calculation
Interest rate calculation

The organization has been operating for over 5 years. During this time, the service has undergone several changes. In the company you can not only get profitable loans, but also earn money. There is an open investment system in which everyone can invest money at interest as dividends. At the same time, the yield is much higher than that of most bank deposits.

Microfinance services

About Green Money reviews also note a number of innovations regarding the receipt of borrowed funds using an electronic digital signature. To do this, you need to go through verification on the website of the organization and provide your details confirming the identity of the applicant. This may also require your photo with a passport spread. Before concluding an agreement, it is necessary to sign an offer and consent to the processing of personal data.

After agreeing to all the conditions specified in the document, the borrower will be opened a credit line for the agreed amount of funds. This amount depends on how much income a citizen has, and for how long he wants to get a loan. As a general rule, since the MFI provides small amounts, the first loan will be no more than 3-5 thousand rubles.

Benefits of lending

In reviews of Green Money, you can find comments that indicate high speedservice work. The maximum term for consideration of the application is no more than 40 minutes from the moment of registration of the application and submission of documents. The convenient functionality of your personal account makes it possible to save all the details. A reliable site protection system guarantees the confidentiality of all data. The loan itself is credited to the applicant's personal bank card within the specified time.

loan calculation
loan calculation

Delays can be minor and are not related to the MFI itself, but to the beneficiary bank. In addition, a microloan in a company can be repaid in parts with a long loan period. With the active use of the lending program, the limit increases and the interest rate becomes lower. According to company representatives, loans are issued to all citizens with official employment.

Loan amounts and terms

About Green Money reviews of debtors are positive and positive. The staff works quickly and processes applications for a second loan no longer in 30 minutes, but no more than 10. The site has a convenient extension for mobile browsers, which makes it possible, if necessary, to quickly apply for a loan via a smartphone. All that is needed is a passport and a photo of a bank card so that employees can check its validity. Further, all the necessary details are indicated in the personal account.

The minimum loan amount is 3 thousand rubles. After several applications, the loan term can be extended up to 25 thousand rubles. At the same time, active participants in the lending program, who have never missed the deadline for repaying a loan andpercent, receive a number of privileges. The main one concerns the loan term - up to 168 days instead of 30, as for all clients of the company.

Requirements for borrowers

Client reviews of Green Money also note that MFIs are quite loyal to many borrowers. However, the company does not issue loans to teenagers. The minimum age of the applicant must be at least 20 years old. In addition, a bank card must be issued for a citizen, to which money must be received. Linking someone else's card for crediting a loan is prohibited by the company's rules. It is mandatory to provide photographs or digital copies of identification documents.

green money
green money

Only after that it will be possible to go through the approval process. Without consent to the processing of personal data, a loan may be rejected. This is necessary so that the company's specialists can check the new borrower for debts to other financial institutions.

Loan process

In Green Money, the personal account is fully adapted for obtaining a loan remotely. To do this, you must enter a username and password, as well as specify the phone number of the person being registered. This is where the verification process will go through. Further, a section will appear on the new user page indicating all the necessary details of a citizen. After filling in and checking them, you will have access to the choice of the loan amount and terms.

An individual system for calculating loan amounts is offered for each user. This is due to the fact thatthe solvency of each client of a microfinance organization is different. If the applicant has small incomes, it is not worth counting on an amount of 15 thousand rubles or more, as this can create a difficult financial situation for him. After selecting the required amount and term, funds are received within 10-15 minutes to the specified bank card details.

How debt is paid off

Green Money loan is as easy to repay as it is to take. This can be done in any way convenient for the borrower. No commission is charged for depositing funds. You can deposit money using bank details already linked in your personal account or using electronic payment systems of various types. It is also possible to transfer according to the details of the company through a bank or post offices. Funds are credited almost instantly.

Fast approval
Fast approval

However, as noted by some users, there may be delays in crediting money to the company's account. In order for the loan not to be marked as overdue, it is necessary to report the delay in payment to the organization's hotline. Specialists will mark the payment and freeze the daily accrued interest on it until the funds are credited to the organization's settlement account.

Work with personal account

In Green Money, it is convenient to use your personal account both on a PC and on a smartphone. Responsive menu adjusts to any screen resolution. To manage your personal details on the site, you need to navigate through the tabs located at the top of the window. At the bottom of the site isnavigation menu. In it, users can get acquainted with the current lending conditions and promotions held by the company. All documents and addresses of the offices of the microfinance organization are also indicated there.

Information on the concluded agreement for the provision of microfinance services to the borrower is also available in the personal account. It is available at any time and is downloaded electronically. Additionally, there is a section on the user page where the entire history of lending in the MFI is indicated. The main window displays data on the availability of an active loan, as well as its interest rate and repayment terms.

Service & Support

Green Money Company develops microcredit services for the population. For 5 years of activity, the organization has opened two offices in the central part of Russia. The staff of more than 50 people, while they work around the clock. Borrowers note the loy alty and courtesy of the company's specialists, who always strive to help and solve problems that arise related to obtaining a loan or paying debts.

green money company
green money company

In addition, this is one of the few MFIs that, in the event of delinquency, offers to freeze interest and provide installments so that the loan user can pay the required loan amount without increasing the body of debt and fines. However, for this, it is necessary to immediately contact the company's specialists in case of problems with the payment of funds so that they can help.

The support hotline number works constantly, while a call from any number or operator willfree. The response time is minimal. The company offers new website users to register online through the public services portal.

When they can refuse to receive

Refusal to issue a loan may be due to the unstable financial situation of the borrower. Contrary to many opinions, microfinance is not provided to absolutely everyone, but to those citizens who have the opportunity to receive a stable income every month. Usually the company refuses the first loans for a large amount. Get 25 thousand rubles immediately will not work. In addition, the basis for refusal may be non-repayment on time or a valid active loan in this MFI or another. All such information about active debts is checked automatically by the company's system through a single database.

Low Interest
Low Interest

There are no other grounds for refusing to issue a loan. The company does not impose strict requirements for the provision of income statements. However, it is necessary to indicate the details of the employer, so that, if necessary, MFI specialists can check information about clients and the accuracy of the specified data.

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