2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Every person found himself in a situation where he urgently needed money for any needs, but the desired amount was not available. Someone applied to the bank about obtaining a loan, and someone sent applications to microfinance organizations (MFIs) for a microloan through the Contact system. The second method is the most preferable for those people who want to receive money as soon as possible without paperwork.
What is Contact?
Contact is a Russian payment system through which money transfers are made. This is an international network with service points in Russia and in almost 170 countries around the world. The Contact system has earned the trust of users. Its services are used daily by several million people around the world.
Through the payment system, transfers are made instantly. It is convenient to receive them, since service points operate in many Russian banks. To conduct a financial transaction, you need to have a passport with you, know the transfer number, amount, currency and sender's data.
Benefits of getting loans through Contact
Microfinance institutions offer, as a rule, different ways of obtaining loans issued by them. Among them you can see the Contact payment system. It is convenient for those borrowers who cannot use other methods of obtaining money. Indeed, microfinance organizations mainly offer the transfer of loans to electronic wallets, bank cards, but not all users have them.
A few more advantages people note when receiving money in this way:
- Through the Contact system, online loans are issued with minimum requirements. Only a passport is required. No certificates and other documents, guarantors and pledges are needed.
- This method of obtaining a loan eliminates the search for an office of a microfinance organization and the need to meet with the company's manager. Money is issued at the points of the payment system. There can be several dozen of them in one city. To search for a nearby Contact point, it is recommended to use the official website of the system.
- Money in points of the system is issued very quickly. The operator checks the number given by the client, the data transmitted by the microfinance organization, with the person's real passport data and, if they match, gives only a few papers for signature. After that, the specialist transfers the loan amount.
Loan through Contact
Contact does not issue loans directly. The payment system is a link between people transferring money to each other, as well as between borrowers and microfinance organizations. That is why, in order to apply for a loan, you must first choose the appropriate options for yourself from the list of all MFIs offering transfers of approved amounts in this way.
To get a loan through the Contact system, it is recommended to send applications to several microfinance organizations, because not all companies make positive decisions. The essence of this stage is as follows:
- A questionnaire is filled out on the official website of each selected microfinance organization. Users indicate passport data, information about the financial situation, information about previously taken loans.
- After sending the application, it remains to wait for a decision on the loan. In modern microfinance organizations, questionnaires are processed automatically. Application decisions are sent to users within minutes.
- With a positive decision from the microfinance organization, the transfer number instantly comes through the Contact system. You can get a loan immediately.
List of microfinance organizations
Not all microfinance organizations have the opportunity to receive money through Contact. Some offer transfer of loans only to bank cards. For those who do not know which MFIs transfer moneyvia Contact, here is a list of several well-known companies:
- "Yekapusta".
- Platiza.
- MoneyMan.
- Vivus.
- Zimer.
Each of the above-mentioned organizations attracts clients by the terms of obtaining a loan in the Contact system without refusals and checks. In reality, sometimes everything is different - microfinance organizations refuse for unknown reasons. Negative decisions are due to various factors (the presence of a very bad credit history, the indication of false data in the questionnaire, etc.). The exact reasons are never given to customers.
Conditions from Ekapusta
Ekapusta is one of the most loyal microfinance organizations. Very often, she issues a loan without refusal to people with a negative credit history, offers installment plans in case of difficulties with repayment. Sometimes MFIs run profitable promotions (for example, offer the first loan for free).
Ekapusta has many different ways to receive money. Among them is Contact. You can get a loan through the system on the following conditions:
- available amount for customers - from 100 rubles to 30,000 rubles;
- interest is 2.1% per day for the first 12 days of borrowing and 1.7% per day thereafter;
- loan period can be from 7 to 21 calendar days.
You can return borrowed funds through Contact. To do this, you need to visit any point of the payment system, inform the operator about the payment of the loan from"Ekapusty", give the mobile phone number and the amount. No repayment fee is charged to customers. Money is instantly credited to the account.
Getting loans from Platiza
From the microfinance organization Platiza, loans through Contact are received in the amount of 1,000 to 15,000 rubles. The term of the loan is chosen by each user. It can be from 5 to 30 days. Percentages are determined individually. When registering on the official website of the company, the rate can be up to 2.2% per day.
If you have a damaged credit history, the site offers to go through a rehabilitation mode to get a loan without refusal. With each timely return, the limit increases and the interest rate decreases. For example, the first loan can be issued in the amount of 800 rubles at a rate of 2.2% per day, the second - 1,800 rubles, the third - 2,800 rubles, etc. After completing such a program, customers are offered personal conditions - 15,000 rubles with rate from 0.5 to 1% per day.
In the rehabilitation mode, the money is given to the client in any way convenient for him, including a loan through the Contact system. However, when applying for the first loan, a new client may need to register a bank card on the official Internet resource of MFO Platiza.
Terms at MoneyMan
Microfinance organization MoneyMan is a convenient service that lends money to people. Users are invited to apply for loans in the amount of 1,500up to 70,000 rubles for a period of 5 days to 4.5 months. The interest rate is calculated individually. Only its limits are set in the documents of a microfinance organization - from 0.2 to 1.85% per day.
There are several ways to get loans from MoneyMan. One of the most convenient and fastest is the transfer of borrowed money through the Contact system. Unfortunately, when approving the first loan, you cannot use this method. Clients can only transfer to a bank card.
Applying loans at MFI Vivus
Vivus Microfinance Institution has established itself as a reliable lending center. Here, funds are provided on credit in the amount of 1,000 to 30,000 rubles and for a period of 1 day to 1 month. The interest rate is around 2%. When holding promotions, it is reduced.
Applications in the company are not considered immediately. You have 30 minutes to make a decision. If the application is approved, money can be received through Contact. However, this method has a small disadvantage. When transferring, the MFI charges a commission of 3%. However, this method in the company is not the most expensive. A little more commission is charged when transferring money to a card or an electronic wallet from Yandex.
Contact the Seimer company
You can also receive urgent microloans through the Contact system in Zaimer. This is a high-speed service that makes decisions on submitted loan applications within 1 minute. The conditions here are as follows:
- Available amount - from 1,000 to 30,000rubles;
- period - from 7 days to 1 month.
Withdrawing money through the payment system in "Zimer" is not always convenient. Money is sometimes not sent to customers instantly. The service warns its users about this. The conditions of the microfinance organization indicate that transferring money in this way can take up to 3 hours.
A microloan through the "Contact" system is convenient and in demand among clients of all microfinance organizations. It is recommended to choose the considered method of transferring borrowed funds when you need to get cash as quickly as possible and not waste time withdrawing it from bank cards, bank accounts and personal electronic wallets.
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