"Centrofinance": reviews, features and services

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

No one is immune from financial problems. When such difficulties arise in life, you can contact Centrofinance. This company is in the business of lending. A long history of existence, the presence of a huge number of positive reviews from Centrofinance are some of the advantages of the named Russian microfinance organization.

About company

Centrofinance is a company representing an extensive microfinance network. In Russia, the scale of its activities is significant. The company has over 800 offices located in several dozen regions of the country. The foundation of Centrofinance dates back to 2009. This means that the company has been operating in the microfinance services market for almost 10 years.

During the entire period of its existence, Centrofinance has been successfully developing. He formed the financial base, won the trust of clients and studied their needs in order to create the most interesting offers for them. Today, Centrofinance is a company that can provide high-quality financial assistance. Borrowersare able to:

1. Choose the most suitable loan or card.
2. Apply and manage loans without visiting the office. It is not required to find out the working hours of "Centrofinance", its location in the city. Everything you need can be done online.
3. Participate in various promotions that make the company's offers more profitable.

From the above list, the second item is interesting for many. The company has mastered modern technologies and now offers new clients who want to get a loan to fill out online applications on the website and find out preliminary decisions without visiting the office. For regular customers there is such an option as a personal account. In it, you can extend loans from Centrofinance, pay them off, draw up new ones.

Those customers who prefer the classic way of applying for loans can come to any nearby office. The company competently implements the personnel policy and organizes work, therefore, a friendly atmosphere reigns in the team. Centrofinance employees respect confidentiality and the laws of the Russian Federation and try to provide qualified assistance to clients.

Contact information for borrowers

You can easily find out if there is a company office in a particular city, and at what address Centrofinance works, on the official website. For example, in the Moscow region, there is a microfinance organization in the following settlements:

• Volokolamsk;
• Voskresensk;
• Dmitrov;
• Dubna;
• Zelenograd;
• Istre;
• Kolomna;
• Sergiev Posad and others

For example, in Shchelkovo near Moscow, the office address is as follows: st. Talsinskaya, 2.

Centrofinance offices usually have a very convenient work schedule. For example, in Zelenograd the office is open both on weekdays and weekends. From Monday to Saturday, loans can be applied from 10 am to 7 pm. On Sunday, the work schedule is from 10 am to 6 pm.

If you have any questions, you can get answers to them by calling the "Centrofinance" hotline (call and conversation are not charged by mobile operators, i.e. free of charge in Russia). A convenient online chat has also been created for borrowers on the official website, and a group has been opened on the VKontakte social network. In the group, by the way, you can ask various questions, leave feedback, learn about promotions in a timely manner, and participate in contests.

"Simple" loan

People who need a small amount of money to quickly solve their financial problems can apply for a "Simple" loan. This is one of the microfinance services from Centrofinance. The conditions for providing money are as follows:

• the period during which funds can be used is from 1 to 32 days;
• the amount that can be issued to the borrower is from 1 thousand to 15 thousand rubles;
• Interest rate - 1% per day.

Getting a "Simple" loan is easy enough. The client only needs a passport and compliance with several requirements:

• necessaryat the last place of work to have at least 3 months of experience;
• client must be in the 21-75 age group;
• the borrower must be registered at the place where the loan was issued.

"Simple" loan can only be obtained in cash. Upon approval of the received application, they are issued at the offices of Centrofinance. Additionally, the borrower must pass an interview with the company manager.

"Long-term" loan

When the company offered loans for a maximum of a month, many clients in their reviews of Centrofinance expressed their wishes that they would like to see some long-term options in the list of offers. "Centrofinance" decided to meet the needs of borrowers and developed a "Long-term" loan. Today he has the following conditions:

• term - from 3 to 6 months;
• permissible amount - from 10 thousand to 30 thousand rubles;
• interest rate - 0.77% per day.

"Long-term" loan is not available in all regions of Russia where the company has offices. You need to know about the possibility of registration in advance. This can be done by visiting any nearby office. If an employee of "Centrofinance" informs that it is possible to issue a "Long-term" loan, then it is not necessary to immediately apply. This can be done in a relaxed atmosphere at home by filling out a special online form on the official website of the microfinance network.

When filling out an online application, the client needs to provide basic information about himself (last name, first name and patronymic, date of birth,phone number) and agree to all the terms and conditions of the site. Some time after sending such information, an SMS message with a preliminary decision will be sent to the specified phone number. Next, you will need to come to the office, because only in it the corresponding contract can be drawn up. The borrower only needs a passport.

Centrofinance company warns that the maximum amount may not be issued to all people who wish to receive it. For example, novice clients, when first contacting a microfinance network, can only count on an amount of 10,000 to 20,000 rubles.

Retirement Loan

Centrofinance took care of its clients of retirement age. A special loan product has been created for them – the “Pension” loan. To obtain it, you only need a passport and a pension certificate. This microfinance service from Centrofinance is offered on attractive terms:

• current interest rate - from 0.65% per day;
• possible period - from 2 weeks to almost a month (to be more precise, up to 32 days);
• Available amount - from 5 thousand to 30 thousand rubles.

Preferential "Pension" loan is available to persons under the age of 75 years. The process of applying for this loan product is as simple as possible, because it includes only 3 steps:

• sending an online application from the official website of the company;
• receiving an SMS message with a positive decision and making a visit to the office with prepared documents;
• signing the contract and receiving cashcash.

It is worth noting that the “Pension” loan is available not only to people who have received a pension certificate by age or length of service. A preferential loan product is also offered to disabled people, combatants receiving a pension, and people who have lost their breadwinner.

If desired, pensioners and all those people who have access to the "Pension" loan can borrow money for a shorter period (less than 2 weeks). However, in this case, you will have to lose such a favorable condition as the interest rate. When applying for a loan for a short period, it is 1%, and not 0.65% per day.

Silver card

For clients who have earned the trust of the company, LLC MCC Centrofinance offers a silver card. Her virtues:

1. Possibility of obtaining a larger amount compared to the one offered on the "Simple" loan - up to 20 thousand rubles. The minimum allowable amount is 1 thousand rubles.
2. Better interest rate. It is 0.9% per day.
3. Receive money in a convenient format. When applying for a loan product for the first time, the client is issued a plastic card with the loan amount already accrued on it. For subsequent requests, the borrower can simply come to the office and present the card or name its number.

You cannot get a silver card of your own free will, because it is included in a special loy alty program. To participate in it, you must meet the conditions provided by the company (LLCCentrofinance Group). Firstly, a silver card can only be issued to those borrowers who have never violated the repayment terms. Secondly, the total amount of loans under any 2 contracts must be at least 10 thousand rubles. Thirdly, the total actual term of any closed contracts must be at least 30 days.

To receive a silver card, you do not need to apply to Centrofinance. If all the established requirements are met, the company's employees independently offer this loan product. Customers can either agree to issue it or refuse it.

Gold and Platinum Cards

Silver card is just one of the levels in the loy alty program. The second level is the gold card. It offers even more favorable loan terms. The available amount is from 1 thousand to 30 thousand rubles, the period of use is from 1 to 35 days, and the interest rate is 0.8% per day.

The Gold Card is available to some Silver Card holders. Participants of a higher level of the loy alty program are people who often use the services of a microfinance organization and repay loans in good faith, avoiding delays. There is no need to submit an application to Centrofinance for a gold card. It is only required to wait for the corresponding offer from the company's employees.

Silver card holders should know that access to the gold card is opening:

• with a total amount of 5 any contracts not less than 25 thousand rubles;
• with the total actual term of use of any closed contracts not less than90 days.

The last level in the loy alty program is the platinum card. It has the most privileged conditions. The maximum possible amount is up to 50 thousand rubles, the period of use of borrowed funds is up to 92 days, and the interest rate is 0.7% per day.

Platinum card available:

• to Centrofinance's clients with an impeccable reputation;
• after processing and returning loans in the amount of 25 thousand rubles or more;
• after receiving and repaying loans lasting more than 180 days.

All the conditions that are set for loy alty program cards may seem complicated at first glance. In fact, it is easy to achieve compliance with these requirements. It is enough to regularly take loans from Centrofinance and repay them in a timely manner.

Features of obtaining loans

A rate equal to 1% is considered basic. It is offered to people choosing a "Simple" loan. However, it can sometimes be different, which is confirmed by the feedback from Centrofinance clients. First, in some regions of Russia, an interest rate of 1.5% per day is set. Secondly, often a microfinance company holds promotions to attract customers. The minimum interest rate can be 0.5% per day.

In the microfinance network "Centrofinance" age limits are set. You cannot become a borrower immediately after the age of majority. The minimum age allowed is 21 and the maximum age is 75.

Do I need to haveofficial work and whether it is required to confirm their income - questions that clients often ask. Official employment is not a prerequisite. To obtain approval for the application, the borrower only needs experience at the last place of work. You do not need to verify your income. No guarantors are needed either. All information about the borrower that is required to make a decision on the approval of the loan, the company can independently obtain.

A credit history is often a cause for concern for borrowers, because not all people have a positive one. However, when contacting Centrofinance, you can simply forget about all the delays that were in the past. Even with a bad credit history, a company can approve a loan. The decision for each client is made on an individual basis.

When applying for loans, employees of the offices of "Centrofinance" offer customers financial protection (insurance). It is optional. It is made to order. The positive side of insurance is that with the help of it, the borrower can protect himself and close relatives from problems in the event of unforeseen circumstances. For example, at death, relatives will not have to pay debts. All funds stipulated by the loan agreement will be paid by the insurance company.

Features of repayment of loans

There are 3 ways to pay loans in Centrofinance. You can return the funds when you visit the office of the microfinanceorganizations. For those people who cannot do this due to lack of time or for any other reason, there is a very convenient way to pay with a plastic card. To make a payment, you need to go to your personal account. To enter it, you need to provide a phone number and password.

Another way to repay a loan is to pay at any bank using the details of Centrofinance. They are recommended to be specified either in the offices of the company or on the official website. When choosing this method, it is recommended to deposit money under loan agreements in advance. The bank may process the payment in 3-5 days. Customers who make payments in advance eliminate the possibility of delays.

One of the advantages of obtaining loans from Centrofinance is the possibility of extending the loan term. The company is well aware that in life financial problems can arise suddenly. For the convenience of customers, an extension function was provided, according to which only interest on the use of funds can be paid. The principal amount of the loan will need to be repaid later.

If the client does not pay the loan on time and does not renew it, there is a delay. The agreement provides for pen alties in the amount of 20% per annum of the outstanding amount of the principal debt. The client, not paying money, spoils his credit history. The company does not work with collectors, but it can go to court. The onset of such consequences can be prevented. A microfinance organization is always ready to make concessions. For clients who find themselves in a difficult life situation, Centrofinance offers installment plans.

Reviews about Centrofinance

Firstly, it should be noted that this company is included in the register of the Central Bank of the Russian Federation. She works in accordance with the law. Loans are issued on transparent terms without any hidden fees. People leave mostly positive feedback about Centrofinance. Clients say, for example, that you can contact the company without fear. These are not scammers.

The fact that the company strives to make its services more interesting and profitable pleases many customers. Centrofinance offers various promotions for both newcomers and regular customers. People who apply for a loan for the first time are offered the first week without interest, subject to borrowing money for a period of 21 to 32 days. For regular customers, judging by the reviews of Centrofinance, there are the following promotions:

1. "For friends". If the borrower brings a new client (acquaintance or friend) to the company, then both will be offered a reduced interest rate from 0.5% to 0.75% per day (it depends on the region).
2. "Birthday". You can participate in this promotion in the absence of a loan agreement that has not yet been closed in the company. You also need to be a conscientious payer and have an SMS message from the company. It usually comes shortly before the birthday. It informs that the company is ready to issue a loan on preferential terms especially for such a significant holiday. The interest rate is either 0.5% (in offices with a base rate of 1%) or 1% (in offices with a baserate of 1.5%).

The only disadvantage of the company is that it does not operate in all regions of Russia. In those regions of the country where Centrofinance does not function, people cannot apply for loans. Those who wish cannot apply to other regions where there are offices of a microfinance organization. In "Centrofinance" there is one condition. Its essence is that money can be borrowed only if you have a residence permit in these regions.

Centrofinance has worked in the microfinance services market for almost 10 years. This is a fairly significant indicator. Such a long period of existence indicates that the company was able to overcome all the difficulties in its development. Centrofinance LLC today is a serious competitor for other microfinance organizations, an excellent service for borrowers, a large network with plans for the future. In the future, the company is going to open new offices, improve the quality of customer service, and introduce new socially-oriented products.