2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Lack of money is a problem that absolutely all people face. A few years ago, it was solved when applying to banks for a loan. Issuing money on credit was not an easy procedure, because it was required to provide papers confirming financial we alth, to look for guarantors. Now this process has been simplified. There are many microfinance organizations that lend money as quickly as possible via the Internet. Let's look at the advantages of online loans, reviews about them and some microfinance institutions.
Benefits of getting money online
Online loans entered our lives a few years ago. However, some people are still afraid to borrow money over the Internet. And in vain. Applying for instant loans online has several advantages:
- To apply, you do not need to take time off from work, spend time looking for an office. Online loans are processedaround the clock. At any convenient moment, you can fill out an application and send it for consideration.
- Microfinance organizations in most cases inform about the decision as quickly as possible. Sometimes managers call people back to clarify some information.
- Loans issued on the Internet are issued on the card. Some microfinance organizations allow you to receive money in an electronic wallet or in cash.
It is safe to apply for an urgent loan online via the Internet. Of course, scammers exist. But in order not to run into them, you need to carefully choose a company. There are many microfinance organizations that have stood the test of time, have a good reputation and a huge number of positive reviews written by regular customers.
The influence of credit history on the decision to issue a loan
Microfinance organizations attract both conscientious clients and those people who are disadvantageous to banks. This is confirmed by the reviews of people with bad credit history. In banks, such persons are constantly denied loans, and in MFIs they are very often approved. Microfinance organizations do this in order to compete with banks.
It is also worth noting that in MFIs, at the first contact, problematic potential clients are offered special programs to correct their credit history. Their essence lies in the issuance of a small amount of money for a certain period of time with the return of funds according to a certain schedule.
Issuing money to a bank card
ANow let's talk about ways to get money. The main of all existing ones is the transfer of loans online to the card. Practically in all microfinance organizations this method is available (in such companies as "Honest Word", Kredito24, "Turbozaym", etc.). Money is transferred only to those cards that belong to the borrowers. Microfinance organizations refuse to send funds to virtual cards.
Loans online on the card usually come almost instantly. Sometimes there are delays, but they are not associated with the poor performance of their duties by companies, but with the work of banks, their rules, workload.
Transfer of loans to e-wallets
In order to make online loans as user-friendly as possible, many microfinance institutions have expanded the number of standard ways to provide money. If earlier funds could only be received on a card or in cash, now people are given the opportunity to order transfers to their electronic wallets (for example, Yandex. Money, Qiwi).
Money is always transferred to e-wallets instantly. After receipt, people can spend them anywhere: making purchases via the Internet, transferring funds to other wallets or cards, paying debts in banks and microfinance organizations. What MFIs offer an urgent loan online to an electronic wallet? Here are some of them:
- Vivus;
- Platiza;
- OneClickMoney.
Featuresreceiving loans to e-wallets
Quick online loans issued by microfinance organizations may not be available to every e-wallet owner. This is worth considering. MFIs have one requirement. It lies in the fact that the electronic wallet must be identified. Identification is a simple procedure. It can be passed in different ways. They depend on the rules set by the electronic money system. For example, to make a wallet identified in Yandex. Money, you can contact:
- to Sberbank;
- to Yandex. Money offices;
- to Euroset stores;
- to the points of the CONTACT system, etc.
Why do microfinance institutions require identified e-wallets and do not provide loans online without verification? This condition allows them to be sure that they are sending the money to the person to whom the loan is issued, and not to a fraudster trying to receive funds into their account.
Microfinance institutions with high approval rates
Having a bad credit history is not an obstacle to getting a loan. Many microfinance organizations strive to meet the needs of clients and issue them loans online without refusal. MFIs with high approval rates include:
- "eCabbage";
- Zimer;
- MoneyMan.
However, even listed companies sometimes refuse people. The reasons for this often lie in the provision of deliberately false information about yourself, an incorrectly completed application, a request tooa large amount on the first call. Now let's take a closer look at the above organizations.
Introducing eCabbage
Quite a popular service on the Internet is eCabbage. The creators of the resource claim that instant loans online are provided here. These words are not made up. They are confirmed by users who leave reviews about "eKapusta". People testify that loan decisions are made really instantly and automatically at any time of the day or night.
Besides fast work, eCabbage has many more advantages. This is both a user-friendly interface and transferring money to any account. Loans are available ranging from 100 rubles to 30 thousand rubles. The term for providing money is from 7 days to 21 days. Until the end of the term, an extension of the loan for the desired period is available. This service can be used an unlimited number of times. In the event of a delay, it is possible to repay the debt in installments.
More about Zaimer
Zimer is no less popular. This is an automated service, a robot that issues online loans to applicants almost without refusal around the clock, without holidays and weekends. He analyzes the received applications within 1 minute, and then makes decisions.
The minimum amount received in the service is 1,000 rubles, and the maximum is 30,000 rubles. Users choose the loan term at their discretion - from 7 to 30 days. It is also worth noting that the "Zimer" has one feature,which many microfinance institutions do not have. The robot approves a certain amount - a limit. The user can use it in whole or in part. The last option means that you can get several loans within the established limit.
MoneyMan Information
MoneyMan is another online instant loan service. In it, people very quickly get money in debt. It takes no more than 10 minutes to fill out the application, and about 1 minute for the company to make a decision. No proof of income is required. The service makes a decision based only on the information provided by the borrower.
When the loan is approved, the money can be instantly transferred to the Yandex. Money electronic wallet. There are other ways to get it. These include cards of Russian banks, bank accounts. The MFI treats its clients with understanding, therefore, if there are difficulties with the return in the MoneyMan service, people are given the opportunity to use the extension of the term by 7, 14 or 28 days. If necessary, you can apply for restructuring.
Applying an online loan for a Qiwi wallet
Some people use Qiwi wallet. It is not very common compared to other wallets, but despite this, microfinance organizations have included it among the ways borrowers receive money. These MFIs include Lime Loan. Money is given to clients on credit without certificates and guarantors. However, it is still impossible to issue loans online without verification. The solvency of applying people is determined through credit bureaus.
The Lime-Loan service offers several tariffs. They differ in the size of the minimum and maximum available amounts, terms, interest rates. The tariff is determined automatically for each client. When the loan is approved, the money can be withdrawn to the Qiwi wallet. However, there is one condition. The phone to which the personal account is assigned in the Lime-Loan service must match the number of the electronic wallet.
It is also worth noting that another condition for obtaining an online loan for a Qiwi wallet is the presence of a MasterCard or Visa card from a Russian issuing bank. It is indicated when applying for a loan in an application to identify the borrower, regardless of the chosen method of obtaining money. Thus, the card is necessary even for those borrowers who plan to order the transfer of funds to an electronic wallet after the approval of the application.
Online loan reviews
There are a lot of offers on the microfinance market, so there are different reviews. In general, online loans are considered by people to be very convenient. No need to go anywhere, collect documents. Through the Internet, you can immediately send several applications to different organizations and wait for a decision.
The main disadvantage of online loans, according to people, is high interest rates. Unfortunately, it cannot be otherwise. High interest rates in microfinance organizations are due to high risks thataccompany this activity. According to some experts, every second client is problematic. Someone delays the payment of a loan for several days, and someone maliciously evades the return of the funds received.
Negative feedback about online loans is left by debtors. The fact is that some companies are rude to their problem customers. Some debtors talk about boorish attitude towards them, about threats. In order not to find yourself in such situations, it is recommended to take a more competent approach to the issue of choosing a service for receiving money. Prestigious microfinance companies do not allow themselves such an attitude. They are trying to help people, offering restructuring programs.
When choosing a service for obtaining loans online without refusal, you should read all the reviews, because out of ignorance you can make a mistake. The fact is that there are a lot of scammers on the Internet that you can encounter. Based on the reviews, one can understand whether the chosen microfinance organization is decent, whether it seeks to find compromise solutions for its clients who find themselves in difficult financial situations and lose the opportunity to repay the loan.
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