CreditPlus: reviews of borrowers. Credit Plus

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

A loan issued in a few minutes is a useful service. It is used by many people who find themselves in a difficult financial situation. This service is provided by a huge number of legal entities, Internet services. One of them is Credit Plus. This service has been operating on the World Wide Web for about 2 years. The period of existence is not so long, but during this time a lot of loans have been provided to people who applied, a huge amount of good reviews about CreditPlus has accumulated, and a positive reputation has been formed.

Legality of activity

In CreditPlus, people who want to get a loan as quickly as possible can apply without fear. This Internet service belongs to the microfinance company Ecofinance. It conducts its activities in accordance with the legislation of Russia. In 2015, the company was included in the register of microfinance organizations and received all the necessary documents allowing it to work forloan market.

Internet service is reliable. CreditPlus, according to employees, guarantees the observance of the rights of borrowers, confidentiality. All information entered on the site is protected. The microfinance organization notes that personal data of borrowers are not transferred to third parties.

Easy to send an application and receive money

To receive a loan, new customers need to fill out a small questionnaire on the website of the microfinance organization. It includes 4 sections in the CreditPlus internet service:

• contacts (phone number, email address);
• passport details;
• additional information;
• confirmation of the entered information.

For those cases when there are difficulties with filling out and sending an application, CreditPlus has provided a way out. On the page where the questionnaire is located, you can simply leave your personal phone number. From CreditPlus, employees always call back customers and help with registration.

Applications are accepted and reviewed around the clock. Customers will learn about the final decision almost instantly. In case of refusal, users of the Internet service are informed about the possibility of re-sending the application in a few months. With a positive decision, the money is immediately sent to customers on plastic cards, bank accounts. It is also possible to receive cash through Contact and Leader systems.

Overview of personal account

All clients of the Internet service havePersonal Area. It is created when you first apply to a microfinance organization. The personal account is convenient and functional. It displays the amount of the active loan, accrued bonuses. The personal account also allows clients to independently use the most interesting and necessary services for them:

• extend the term of use of borrowed funds;
• apply for new loans;
• translate bonuses for timely loan repayments into cash;
• invite friends to the website of a microfinance organization and receive additional bonuses for this.

Entrance to the CreditPlus personal account, according to borrowers, is carried out after specifying a login and password. The login is the mobile phone number, and the password is the combination of numbers specified during registration. For cases when access to your personal account is lost, a recovery procedure is provided. Customers are only asked to provide a mobile phone number. A temporary password is sent to it, allowing you to enter your personal account.

Fare and interest rate information

Microfinance organization divided its clients into several groups. For each of them, based on reviews about CreditPlus, there are individual conditions:

1. All new customers are assigned the status of "Newcomer". For such persons, the maximum possible loan amount is 15 thousand rubles.
2. For clients who have issued from 2 to 4 loans in the Internet service, the status of "Expert" is available. It makes it possible to borrow up to 20 thousand rubles.
3. Persons who have issued from 5 to 10 loans become "Partners". They are provided with money in the amount of up to 30 thousand rubles.
4. Clients who have issued and successfully repaid more than 10 loans are assigned VIP status. Such people also have access to an amount of up to 30 thousand rubles.

Reviews about CreditPlus also indicate that the site offers users several options. The first of them is the extension of the loan term for a period of up to 15 days. It is available to all clients. The second possibility is to apply for loans via SMS messages. Only 3 groups of clients can use it - "Experts", "Partners" and VIP.

Loans in a microfinance organization are issued for up to 30 days. The interest rate is determined subject to several conditions. The number of applications, the amount, the selected loan term are taken into account. For example, during the initial appeal, the client is going to borrow from 1 thousand to 9.5 thousand for a period of 5 to 15 days. Under such conditions, the rate will be 784, 750% per annum. In case of re-applying and applying for a loan on the same terms, the rate will decrease to 730% per annum.

Accrual of bonuses

Loans from CreditPlus are beneficial for customers, because the Internet service has a bonus program. Its essence lies in the accrual of bonuses to the personal account in the amount of up to 10% of the principal amount of the loan. To obtain them, one condition must be met - the timely return of funds borrowed.

The bonus is automatically credited to the client's account when the loan is repaid on time. Accrued rubles are alloweduse like this:

• withdraw to a plastic card, bank account or through payment systems to receive cash;
• spend on the next loan.

Support

In order for customers to receive answers to their questions, Credit Plus has created a support service. There is a hotline to contact her. Calls from all regions of Russia are free. The support service employs qualified specialists. They can advise on any issue and help sort out emerging problems. The advantage of the helpdesk is in the work schedule. Specialists are on call 24 hours a day, 7 days a week. Such a schedule allows clients to receive answers and consultations very quickly.

If it is not possible to call by phone, then you can send your question through the feedback form. It contains 2 fields: in the first field, the client describes the problem that has occurred, and in the second field, he indicates the email address. It is to her that the answer comes later.

Positive feedback

A part of customers form a good opinion about the CreditPlus service, because a microfinance organization operating via the Internet has certain advantages. Firstly, loans are issued as quickly as possible on the site. Users only need to fill out a questionnaire, indicating in it reliable information about themselves, the available work. Income certificates, guarantors, collateral are not needed.

Wo-secondly, any citizen of Russia can apply to Credit Plus. The region of residence does not play any role for several reasons:

1. The company does not operate in any specific subject of our country. The MFI does not have an office. All applications are accepted through the CreditPlus website and by phone.
2. Methods of getting money are available to all people. Payment systems operate in all cities of the country, and almost every person has plastic cards.

Thirdly, CreditPlus offers a convenient and useful service - auto-renewal. Quite often, clients forget that they need to repay the loan. When they remember the return date, they realize that they are overdue. In CreditPlus, in such situations, the credit history does not deteriorate. The loan is automatically extended by 10 days. This service is paid. The cost of renewal is 20% of the loan body.

Criticism of a microfinance institution

Customers leave negative feedback about CreditPlus for several reasons. One of them is related to the age limit. The loan can only be issued to persons over 22 years of age. Another reason for the appearance of negative reviews is that some clients do not receive money after the approval of the application. In such cases, the microfinance organization asks people to contact the support service.

Users also leave negative reviews due to the fact that the company, in their opinion, deceives in the calculation of bonuses (Cashback). Actually, it is not. Bonuses are always awarded for timelyloan repayment. They can only be missing if the site is experiencing technical problems.

Reviews of debtors about CreditPlus

Clients who did not pay the loan on time leave different reviews. Some people testify that the specialists of the microfinance organization do not worry much about delays - they call the phone number indicated in the questionnaire once a week or send a letter to their personal e-mail.

There are also completely opposite reviews. In them, the debtors indicate that the company's employees behave unacceptably. They constantly call with threats of prosecution, start writing to friends on social networks, and threaten to transfer the debt received from CreditPlus to collectors. Specialists also refuse installment plans and freeze interest.

In conclusion, it is worth noting that the approval rate is quite high in the CreditPlus Internet service. MFI seeks to help people, provides funds for any purpose (for solving crisis problems, shopping, travel, entertainment). But in some cases, clients get rejected. The reason for the negative decision may be the presence of a very bad credit history, the indication of false information about yourself in the questionnaire, the lack of positive motivation to repay the loan.