"Direct Credit": reviews, conditions, features, advantages and disadvantages

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

Today, citizens make a lot of purchases through various online portals. It is much more convenient and there is no need to spend a lot of time traveling, selecting and searching for the right products. All you need to do is open a browser and choose one of the thousands of stores in the country and the CIS. These online communities strive to improve the services they offer, and to this end, they introduce various modern technologies that make the buying process more convenient and faster. One of the modern systems is POS. This technology allows you to purchase products on credit through intermediary servers.

Reviews about "Direct Credit" indicate that the company is engaged in servicing an online store in the field of issuing loans. The organization is one of the leaders in the domestic market for the provision of such services. Its two large information processing centers are located in Moscow and Novosibirsk and receive applications almost around the clock and distribute them to various banks and other financial institutions on-line. This enables the customer of the online store to receive severalloan approvals for the purchase of the product you like.

How the system works

Additionally, reviews of "Direct Credit" note that cooperation takes place on favorable terms. The company aims to expand its field of activity and offers various forms of service for both small online stores and sales networks located throughout the country. The scheme of the organization's work when accessing Internet portals is quite simple. First of all, a company that wants to connect online lending services must contact the official representative office of the organization and draw up the necessary application.

Next, the company's specialist contacts the online store and conducts a free consultation on possible cooperation formats. Based on the adopted CRM system, agreements are concluded with various banks and microfinance institutions through the organization.

After that, Direct Credit employees go to the owner of an online store or retail outlets in order to establish integration with cash register software, connect a barcoding system, and also transfer all these technologies to the Internet portal. At the end, full authorization of online stores, banks will be required. If necessary, training is provided to work with the software provided by the company.

Reviews about Direct Credit LLC also indicate that all work is carried out on the official website of the organization through a dedicated personal account. It is convenient and, if necessary, you can seeany connected options, as well as track counterparties and those financial institutions that will be engaged in further lending to customers of online portals.

Company mission

Reviews about "Direct Credit" partners and banks in most cases are positive. According to representatives, the schemes of the organization's work are transparent and understandable. To carry out its activities, the company uses only its own software, which is integrated into online stores and allows you to synchronize them with various banking and financial institutions. This solution is quite convenient and at the same time does not require large expenses.

Reviews about "Direct Credit" in Moscow, where the official representative office is located, are also positive from customers who use this technology. The main mission of the organization is that the processing of loans should be simple, as well as understandable and convenient for the customers themselves and for sales agents. The company's goal is to implement and implement modern solutions and advanced technologies in the field of POS lending.

Representatives of the organization are convinced that within the next few years the system they are integrating will be distributed everywhere. This will make it possible to forget about large questionnaires and forms from banks, in which you need to answer dozens of questions and indicate a lot of different personal data. The company aims to simplify the procedure for obtaining a loan via the Internet and make it as simple and affordable as issuing a regular debit bank card. For this,organizations the necessary technology, as well as several staffs of specialized employees.

Development history

Reviews about "Direct Credit" also note that the organization is engaged in full service and takes on part of the work on further processing and issuing loans through banks and microfinance organizations. There are two centers that support not only online stores, but also customers if necessary.

The history of the company is quite interesting. It started functioning in 2011. At that time, there was no dedicated technology to process loan applications, so the firm integrated the first system in the country to process incoming loan requests for online purchases using a telephone line, where center staff handled all calls.

Reviews about the "Direct Credit Center" employees of the company say that they work in 2 shifts. This allows you to work almost around the clock. Since 2012, the integration of the process of conducting end-to-end lending through banks online has begun. At the same time, the first federal partnership was launched and a call center was opened to identify and serve customers who shop online.

In 2013, the active expansion of the network began, which continued until 2015, when its own staff of special loan agents was created. They were representatives of large federal companies providing loans. 2017 and presentlending is being rolled out in all networks across the country. Own software was developed to integrate online portals and connect them with bank employees. Now, to get a loan, a small questionnaire is drawn up. This means that online shopping customers no longer fill out multiple cards to get the required loan amount.

Statistical information

"Direct Credit Center" constantly shares the success that the company achieves. The popularity of the service is due to the fact that more and more transactions in the form of loan applications are sent mainly through various Internet portals that offer their visitors to purchase goods and services. All that the company needs is to provide due support, as well as to form its own staff, containing a call center, which will be an intermediary between customers and contractors represented by banks and microfinance organizations. Over the past few years, many large institutions from the financial sector have become partners.

The statistics of the implemented technologies are also quite attractive. It can be viewed on the official website. According to the information provided, already within the first 2 minutes from the moment of sending an application through an online store for a product for sale, you can get a decision on a loan application from several financial institutions at once. Now several large centers operate at once, which are engaged in training employees of online stores remotely throughout the country. Courses and lectures are necessary to know how tothe help of a personal account on the site to serve their clients in the field of lending.

At the moment, the company has 16 financial partners who have received and integrated software for processing credit services. The support service works 18 hours a day from 5 am to 10 pm. The company cooperates only with large and reliable financial institutions, as well as microfinance organizations. Therefore, the probability of approval of applications that the company sends to its partners is 95%. Every month, thanks to the integrated service, more than 100,000 customer requests are approved by financial institutions. About 10 thousand consumers use the system. The central office of Direct Credit is located at the address: Moscow, per. Spartakovsky, 2.

Regional network

Direct Credit Center is remarkable in that it provides services in the online space and has several branches around the country that allow, with the help of hired employees, to serve financial institutions. Additionally, they provide the necessary list of applications, and also increase the flow of customers for online stores. The organization is also distinguished by the fact that it constantly seeks to expand its presence in Russia.

At the moment, employees and representatives of the company are located in 100 cities, from Vladivostok to Kaliningrad. To maintain the proper level of service quality, centers have been opened in more than 15 cities. Each contract is important for the company, therefore it provides highthe quality of service is the same for each partner and the client who applied for services. At the same time, the scale of business for concluding an agreement may be small. In order to intensify the work and establish all internal processes, as well as provide the proper level of support to our partners and clients, there are more than several thousand employees in states across the country.

Reviews about the company "Direct Credit" employees note that the company provides all the necessary conditions so that its employees can provide all the services provided with high quality. In several time zones at once, they redirect applications and send loan agreements to financial institutions via the Internet almost around the clock.

Affiliate network

Direct Credit has a wide partner network. It includes dozens of large financial institutions in the form of banks, as well as microfinance companies. In addition, they are connected to the organization through software and a personal account located on the official website, and insurance companies. The organization cooperates only with reliable financial institutions that provide loans to the population. The generated software makes it possible for clients to immediately select the required number of partners in the form of banks and MFOs when filling out an application in order to increase the percentage of approval of loans issued.

After the application arrives through online stores in the terminal, it will be transferred to the center of the company, where specialists will redirect the form already inspecific organization. Today, most banks and other lending institutions in the country have a quick system for assessing the various qualities of the borrower, which allows to reduce the time for processing applications to a greater extent. When the bank approves the request, it will be redirected back to the online store to the client. Next, he will be provided with information about making a payment through a loan and signing a loan agreement using electronic documents.

Direct Credit program helps connect online stores and financial institutions that issue loans. This allows you to optimize all costs and remove such an action as a personal visit to the bank to obtain approval for a specific loan amount. Financial companies are also benefiting from an increase in the number of customers, which have become very numerous in the Internet space over the past few years.

Main clients

"Direct Credit" always works for the result. In order to expand its network, the firm is creating additional programs to work with large sellers, which are mainly online stores and physical points of sale. On the official website of the company, you can get acquainted in detail with all the major stores that operate in the Internet space to sell their goods to citizens. By going to any of these sites and choosing the product you like, a separate line will already be displayed in the shopping cart of the buyer, offering to make a purchase on credit.

To do this, the client on the store's website immediately needs to fill outapplication, where you need to specify the phone number, contact details, place of residence, as well as age. After that, the system will transfer the application to the center to the server, where it will be sent to several financial institutions. In a few minutes, based on the parameters provided, the bank will make its decision at the request of the buyer. Once approved, on the website of the online store, in the section where the basket is located, a notification will appear that the credit for the purchase has been approved by a specific financial institution.

Employee reviews of Direct Credit indicate that management is constantly striving to optimize work with the help of software. To do this, the company directs most of the proceeds specifically to the development of Internet projects that allow you to connect customers of online stores, as well as banks and microfinance organizations.

Current vacancies

Direct Credit LLC provides favorable conditions not only for cooperation, but also for working with a successful and growing company. To do this, the organization has all the necessary funds, as well as modern equipment in the centers where all employees work. The company's website has a section with an email address through which candidates can contact the official representatives of the organization and send them their resume for consideration.

Due to the constant expansion of the network, the company is constantly looking for new employees who are ready to perform the assigned tasks, as well as to share the acquired skills and abilities for trainingboth young professionals and clients of the company. Employees respond positively to wages. At the same time, the company concludes official labor agreements and makes all necessary contributions to state funds.

LLC "Direct Credit Center" provides an opportunity for good career growth. The company uses modern technologies in the field of lending and the provision of services for the search and selection of the necessary customers. These skills will come in handy in many large organizations. This means that specialists, having gained good experience and knowledge, can work in the banking sectors in the future. Before getting a job, all candidates are interviewed and tested. After that, representatives of the company already make a decision on hiring or refusing a job.

Reviews from employees and customers

Reviews about Direct Credit in Moscow, as well as in other regions, can be found on the official website or thematic portals that review various Internet services. The company stands out from the crowd by offering modern solutions and its own developed software. This is beneficial, and also allows you to save on the purchase of third-party software and its further maintenance.

By accessing their personal account, users can control various factors in the form of reporting for the current period or for the entire year on the number of applications and approvals for loans, as well as monitor various categories of clients and their location. This allows you to understand in which specific region the age group is more active in purchasing a particular product or service. Additionally, owners of online stores in their personal account can immediately generate reports for the current period and view purchasing activity on the map.

Pros and cons of the system

Direct Credit receives many positive comments every day. Of these, such a main advantage as complete versatility stands out. This allows you to integrate ready-made software solutions into external portals, as well as cash register software and other digital products, and logistics services. Additionally, flexibility stands out with a wide range of different options and schemes for cooperation with online stores.

There are also negative reviews in terms of the system. The company is one of the few in the country that provides such services. Many services have been integrated relatively recently. The organization constantly seeks to develop and implement various technologies, which can lead to interruptions in work. However, they rarely happen, and experienced specialists - developers and programmers who work for the company, try to solve all the problems that arise within a few hours. In the event of such problems, all customers of the service, as well as partners, are immediately notified.