MFO "Honest Word": customer reviews. Instant loans from MFI "Honest Word"

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

In life very often there are situations in which it is impossible to do without financial support. Where to get money? There is an answer to this question. You can contact the microfinance organization "Honest Word". For several years she has been providing services to people, issuing small loans on credit. Let's look at it, get acquainted with the reviews of the "Honest Word".

The emergence of the company and the principles of its work

Microfinance organization was founded in 2013. It was created to provide loans to adults. At the time of creation, it was planned that the money in debt would be issued in accessible ways. Clients will not need any certificates, pledges, guarantors. All plans were implemented. Today, the microfinance organization "Honest Word" is spoken of as an affordable and convenient service.

The distinguishing feature of the company in question is as follows. MFI "Honest Word" has no address. The lack of an office meansthat customers do not need to take issued loans in it. The work of the “Honest Word” is carried out remotely. Applications from people are accepted via the Internet. Solutions are reported in the same way. Upon approval of the application, the signing of the contract is required. This process is carried out by specifying a special SMS code on the company's website.

Main Benefits of a Microfinance Institution

The company has many advantages. We list the most basic of them, which people indicate in their reviews of the "Honest Word":

1. Round the clock service. The process of reviewing user profiles is automated. That is why applications can be made at any time of the day or night (even on holidays).
2. Users are not required to provide income documents, because the company is well aware that it takes time to process various certificates. Only one passport is needed.
3. Microfinance organization does not pay attention to what kind of work this or that client has. It can be both official and unofficial.
4. The company provides an opportunity to save on loans. In what ways is this done? We will talk about this a little later.

User-friendliness

For the convenience of users, the microfinance organization "Honest Word" has simplified the application process. At the first contact, customers are asked to fill out a questionnaire. It consists of several sections:

• basic user information;
• confirm email addressmail;
• indicating passport data;
• entering clarifying information;
• indicating the method of obtaining a loan.

The first section, judging by the reviews of "Honest Word", is very important. When filling it out, the client registers on the site, receives a personal account, which later becomes a convenient tool in managing loans. In it, you can extend the period of use of funds, make payments, pay off debts.

On the website of a microfinance organization, clients choose their own conditions. They choose the amount of the loan, the period of use of the funds. An online calculator helps you make the right decision. When specifying a specific amount and the desired period, an automatic calculation is performed. The amount returned is the result that the client sees.

Loan conditions

Company "Honest word" offers different conditions for new and regular customers. People who apply to this microfinance organization for the first time can apply for an amount from 3 thousand to 10 thousand rubles. The interest rate for this category of clients is 2.1% per day.

For regular customers, conditions are offered more favorable and attractive. First, the limit is being expanded. The amount that can be provided increases to 30 thousand rubles. The interest rate is going down. For the most conscientious clients of a microfinance organization, it is 1%.

Very often, the company "Honest Word" holds profitable and interesting promotions. For example, in March 2017, for several days, customers were offered to apply for a loan at 0%. Promotions are never announced in advance. In order to learn about them in a timely manner, it is recommended to visit the special news section on the official website of the MFO "Honest Word" more often.

Speed of service

Customers who use the services of a microfinance institution know that the provision of loans is carried out quickly. At the first contact, the questionnaire is filled out within a few minutes. After entering all the data, the application is sent for consideration. This process is also very fast. The company usually makes a decision within 5 minutes and communicates it to their specific client.

After the application is approved and the contract is signed by entering the SMS code into a special form, an urgent loan from Honest Word is provided instantly. Methods of receipt - transfer to a bank card or account. However, it is not always possible for people to receive money immediately. The delay is not the company's fault. The conditions for transferring money are determined by banks. Very often, delays occur due to weekends and holidays.

Methods of repaying loans

It is convenient to cooperate with the "Honest Word" company, because customers do not have any problems with the return of loans. To transfer money after the end of the loan period, you can use one of the following methods:

• transfer funds to the company's current account (its details are provided in the personal account for each user);
• producepayment by bank card (it must be personal, not belong to an outsider);
• make a payment through Eleksnet, Qiwi payment terminals or use the Eleksnet wallet.

Users who do not have money to return and do not want to have a debt to the MFI "Honest Word", the company offers to use the loan extension service. It is available if there are no long delays under the current contract (do not exceed 15 days). The amount of the extension depends on the selected term. Its users can find out in their personal account.

Savings on loans provided

Often, people believe that loans and credits are useful, but expensive services, because after the expiration of the term for using the funds, it is necessary to return not the amount that was taken, but a much larger one. Fortunately, this is not the case for all microfinance organizations. At Honest Word, customers can save.

One way is to pay off loans early. Interest is instantly recalculated. When choosing this method of saving, you need to consider only one thing - early repayment is possible only if you plan to make a payment by bank card. With other loan payment options, early repayment is not possible.

Another way to save money is to participate in an affiliate program. The company, as evidenced by reviews of "Honest Word", offers each user to attract their friends to the site. If they receive a loan, then the person who invited them will receive bonus points. Themcan be saved and used to pay off the interest on the loan.

Information for those who do not want or cannot repay a loan

It's easy to borrow other people's money, but it's somehow a pity to give it back or it doesn't work because of the difficult financial situation. When applying for a loan, you need to remember that the return of borrowed funds is the responsibility of the borrower. Failure to do so can lead to disastrous consequences. In case of non-repayment, the credit history deteriorates. In the future, it will be difficult to get a loan from a microfinance organization or take a loan from a bank. Long delays increase the probability of refusal to 100%.

If it is impossible to repay the loan taken from the MFI "Honest Word" for a good reason, then the borrower is recommended to warn the company about this as soon as possible. The microfinance organization "Honest Word" can meet halfway. Both sides are interested in finding a compromise, because no one wants to bring the case to court. You can contact the organization by calling the MFO "Honest Word", which is indicated on the official website.

Dealing with debtors

With people who do not fulfill their obligations, the company encounters very often. How MFI “Honest Word” collects debts is a question of interest to many. First, the organization itself tries to reach the debtor - makes calls, sends letters to e-mail, sends SMS messages. If a person does not respond to all these actions for a long period of time, the MFI transfers the debt to one of the collection agencies with whichcooperates ("CreditExpress", "Ruscollector", "Rusdolg", etc.).

Collection agencies deal with debtors differently. In most cases, collectors are rude, report sending a mobile team to seize valuable items on account of a debt, threaten to file an application on the fact of fraud, illegal receipt of a loan. Collectors also call the numbers of third parties that were indicated in the questionnaire, demand that they pay the debt.

User FAQ

People who apply to the microfinance organization "Honest Word" for the first time have a lot of questions. Let's look at some of them in order to fully understand the operation of the service:

1. Can a decision on an application be delayed? All data and contacts provided by users in the MFI "Honest Word" are checked by an automatic system. In some cases, for technical or other reasons, the decision is delayed. In such cases, please note that the company's response may take from 5 minutes to 24 hours.
2. How do users find out about the MFI's decision? To find out if a loan has been approved, you need to check your email. After reviewing the questionnaire from the "Honest Word" company, a letter arrives containing information of interest to the user.
3. Why are instant loans denied? Unfortunately, the company's employees do not give an exact answer to this question. They do not disclose those criteria, according towith which applications are evaluated. Experts only note that negative decisions are not always made due to bad credit history.

Positive customer reviews

The microfinance organization "Honest Word" has a lot of positive feedback. People who use and are satisfied with the service write that applications are considered quickly, decisions come to the mail almost instantly. The company does not make any calls to relatives, colleagues, acquaintances.

The site is built on honesty. The company does not hide information about how much the borrower will have to pay after receiving the money. Each user will know about the final payment before the application is made. Particularly pleased with the presence of bonus programs, special offers.

Many people thank the company for its trust. She gave them instant bad credit loans. And there are those borrowers who suddenly received a refusal, despite the fact that they had previously used the service and always returned the money on time. These people speak positively about the company, but at the same time they are perplexed why this happened. They hope that in the future their applications will be reviewed and they will be able to get a loan again.

Negative feedback about the service

In negative reviews, people complain about high interest rates. Consider an example inherent in the first loan application. A person wants to receive 5 thousand rubles for 20 days. You will need to return 7 thousand 100 rubles. At the second application, the total amount will already decrease. 6 thousand will be returned700 rubles.

Even more you need to repay when applying for a loan in the amount of 10 thousand rubles. For a new client, the total amount is 14 thousand 200 rubles, and for a user who re-applies to the company - 13 thousand 400 rubles.

But all the existing negative reviews are unable to cross out the positive comments. For many people, MFI "Honest Word" has been and will remain one of the best companies in the microloan market with convenient conditions.