2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Microcredit allows you to quickly solve small financial problems. This method is easy to use and does not require the submission of a large number of documents. In addition, the microfinance market is constantly evolving, and today, in order to get a loan in the amount of up to 30 thousand rubles, you do not need to stand at the bank's reception or wait for a decision on issuing a loan for 14 days. All applications are processed remotely on the official website of the MFI, and after checking the entered data, the funds are credited to the borrower's account within 15-20 minutes.
Reviews about Ekapusta note that it is one of the fastest lending microfinance institutions in the country. Its peculiarity lies in the fact that the company has almost completely automated the process of issuing small amounts to citizens' cards linked in their personal account. Special algorithms and machine codes check each application and conduct an additional assessment of the solvency of each client. If it is necessary to control the formation of the loan amount, the organization's operators are connected.
MFI description
Almost every review of Ekapusta indicates that the company issues microcredits in the amount of up to 3 thousand rubles to each of those who apply, for up to 1 month. At the same time, there are various promotions and bonuses that allow you to get a profitable loan at a minimum percentage. For almost 7 years of operation, the company has been constantly developing and optimizing the system for issuing loans.
This made it possible to conduct an instant assessment and issue small amounts of loans on favorable terms. However, like any other MFI in the country, the company is subject to established government regulations and has the appropriate licenses to carry out financial and lending activities in the country. The organization does not violate the requirements of the law and at the same time actively interacts with borrowers.
How the service works
Reviews about Ekapusta have repeatedly noted that MFIs use special software for issuing loans online. It really is. The organization has installed special equipment and integrated work algorithms to evaluate more than a thousand parameters for each of the borrowers. Based on the analysis, the algorithm generates a report that indicates the decision to issue a loan and the approved maximum possible amount.
Company employees do not have access to the software. This means that they cannot interfere with or influence the borrower's assessment system in any way. This solution protects all stored information aboutuser on the company server. The system also maintains a rating for each client and provides extended limits to active and reliable citizens.
Registration process
If we are talking about Ekapusta, the reviews indicate a convenient registration process. It should be noted that the first loan will require no more than 10 minutes of free time. The main thing is to accurately indicate all the necessary data about the borrower so that the system can evaluate each of the parameters and check them for compliance. In addition, the company automatically checks for other debts and litigation related to the unpaid loan.
You can register even from your mobile phone. To do this, go to the main page of the official website and select the "Registration" section. Next, all passport details are prescribed and copies of the documents necessary for verification are uploaded. At the end, you need to link a bank card or other electronic wallet where funds will be received.
Available maturities and limits
The site Ekapusta.com, reviews of which can be found in this article, is quite convenient to use on any platform. The portal is adapted to different screen resolutions and operating systems. The minimum amount for obtaining a loan is 100 rubles. As regular customers of the organization note, basically, at the first application, the system issues a loan in the amount of up to 5 thousand rubles. To get 30 thousand, you will have to apply to the MFI up to 10 times and at the same time not miss the payment deadlines.
Customer reviews of Ekapusta also note that if necessary, you can always get the right amount, having a sufficient credit rating, immediately on the card. The idea of the organization's work is aimed at ensuring that any reliable and decent client can have a quick loan instrument at hand for any occasion.
However, with small limits, the repayment periods are short. The company provides a loan for a period not exceeding 21 days. You can also repay the loan earlier. There are no pen alties or commissions for this action. After payment, the system will automatically generate a rating and offer to issue a new microloan if necessary.
What are the promotions
In the feedback of borrowers about Ekapusta, you can find messages that indicate not only fast loan processing times, but also many profitable promotions. One of the main ones is a loan without interest. Such a financial solution is offered to each new client of the company. After assessing solvency and forming an available credit limit, you can get a loan at 0% for up to 21 days.
Besides this, there is a program to attract new borrowers. If the loan is issued according to the borrower's promotional code, then its owner will receive 500 rubles to his account. Depending on the holidays, the company also offers various bonuses and gifts to its customers. The New Year includes a system of installments and lower interest rates on existing loans. Additionally, valuable cash prizes and other gifts are raffled between activeloan users.
What are the benefits of MFIs
The site Ekapusta.ru reviews are mostly positive. They can be found on many major lending portals. The company has earned the respect and trust of customers for transparent and affordable loan terms. Once you select the desired credit limit, the full cost will be displayed for it. There are no commissions or other hidden fees in MFIs.
If there is a problem with debt, then here the microfinance company also meets its clients. In the case when it is not possible to fully repay the debt on time, the organization offers a profitable installment payment system with an interest rate freeze. This allows you to pay off the resulting debt without accruing interest without harming your credit rating. To do this, depending on the size of the loan, you need to deposit part of the funds, and the system will automatically extend the loan.
Improve credit history
The site https://ekapusta.com has quite positive reviews. Any of the users, becoming a member of the microcredit program, can leave a message or a wish for the company. The service quality control service constantly monitors the comments of borrowers and promptly responds to complaints. In addition to the fact that you can get a loan of up to 30 thousand rubles in 10 minutes, there is also an opportunity to improve your credit history.
The company is one of the few in the microfinance market that constantly and promptly transfers information to the BCI. This is done in order to raise the borrowercredit rating. It is necessary for registration of any loan both in the MFI and in the bank. The better the credit history, the more the credit limit will be approved. However, do not forget that in case of delays on the loan and its non-payment, the company makes a negative note about the borrower in his credit history.
Withdrawal and crediting of funds
Reviews of debtors about Ekapusta contain many messages about the conditions for withdrawing funds and crediting them. In fact, the company supports all available payment systems and types of money transfers. Most of them work without additional fees. At the same time, the transfer of funds from the MFI website to the borrower's account will be carried out instantly. Some banks are an exception. You can learn more about this information in the user's personal account.
When paying debts, commissions are also not charged. The system automatically monitors the transfer of funds to the MFI accounts and immediately transfers this information to the borrower's page. This avoids delays in receiving payment and updating personal debt information for each client. It is also worth noting that the company is included in the official list of partners that support the domestic Mir payment system.
Company Rules
On the ekapusta.ru website, loans and job reviews are available after registration. To do this, you will need to provide passport data and information about wages. The following is information about the requiredloan amount and repayment period. To confirm the verification of all necessary data, you must specify the phone number registered to the borrower. This is required by company rules. It is also prohibited to withdraw funds approved on a loan application to details that do not belong to the applicant.
Each citizen of the country who has a regular income and is over 20 years of age can get a loan. At the same time, the system evaluates each parameter individually, and even if the applicant cannot confirm the place of work, he will be granted a loan, but in a smaller amount than required.
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