Webbankir company: customer reviews, conditions and interest rates

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

The popularity of non-banking organizations is growing by leaps and bounds. And this is not surprising. After all, it is so convenient to receive extraordinary money before the salary, also with minimal effort. And it’s much easier to do it remotely than to go in search of a suitable bank. The percentage of approval of such applications is extremely high, and loy alty to potential borrowers is off scale. One such organization is Webbankir. Reviews about it can be heard very different, but first things first.

Brief information about the company itself

MFC "Webbanker" LLC is a popular microfinance company that has developed an effective system of virtual lending with real receipt of money. Thanks to a simplified scheme, each of the potential borrowers can apply using a special mobile application or through the company's official website webbankir.com. Reviews indicate that, ideally, a positive response can be expected in just 5-10 minutes. And if everything goes well, in 3-5 minutes you will be able to receive the coveted credit money on the card.

Ease of contacting the organization

If you pay attention to the numerous reviews about Webbankir, you can draw certain conclusions regarding the convenience of contacting this microfinance company. So, the system itself works on the principle of instant electronic lending to the population. And this means that the entire process of applying for a loan, from submitting an application to crediting funds to the card, is performed on a turnkey basis (remotely).

High processing speed

Moreover, the issuance of money, exactly like the execution of the loan agreement itself, is carried out without the necessary visit to the representative office of the MFI. Loans are usually disbursed within 24 hours of application.

However, it is quite possible to get urgent loans here in just 5 minutes, taking into account filling out a simple questionnaire about yourself. Therefore, most of the organization's clients emphasize the high speed of processing their personal data and the quick decision-making on their application in their personal account on the Webbankir resource. Feedback from most of the company's customers is in solidarity with this opinion.

Ease of site navigation and simple menu

In addition to loy alty, many customer reviews about Webbankir describe the ease of navigation of the company's website. According to them, the resource menu is available even for those who are not familiar with computers. All important questions are placed in a separate section, there are useful tips, design details, a virtual calculator and an online chat.

Easy design and high approval rate

In addition, many reviews about Webbankir are related to the ease of obtaining a microloan. According to them, to apply, you only need to fill out a simple questionnaire, indicate your passport details and a bank card number, but always a Russian credit institution. At the same time, unnamed and salary plastic is not suitable in this case.

The high percentage of applications approved is also striking. Of course, in the company, as well as in the bank, they check your credit history and the level of financial reliability. But they do it by their own methods and very quickly.

What are the credit conditions at Webbanker?

By contacting Webbankir (user reviews confirm this fact), each potential borrower can receive from 1,000 to 15,000 rubles for personal expenses. At the same time, it is not at all necessary for him to mention the ultimate purpose of the loan. Therefore, you can spend them on anything. The terms for granting a microloan range from 5 to 30 days.

Who is eligible to apply for a loan?

Citizens of the Russian Federation who are at least 20 years old can access the Webbankir com website (customer reviews in most cases agree with this information). At the same time, the maximum age of the company is 100 years. The main criterion for MFIs, which increases the chances of obtaining a microloan, is the presence of a stable monthly income.

Do conditions change for new and old customers?

According to users who have repeatedly left positive feedback aboutWebbankir company, conditions for clients may change. In particular, these changes relate to the reduction of the organization's interest rate. For example, when first contacting new customers, they receive a rate of 1.9% per day. However, after the successful repayment of the previous loan, the rate is reduced to 1.8% per day. And with each subsequent appeal, it will fall further. In the end, your percentage will reach 1.2% per day.

Moreover, by lowering the rate, the amount of the final overpayment also decreases. For comparison: with the initial application and the amount of 6,500 rubles for a period of 12 days, the borrower will have to pay 7,982 rubles, which is 1,482 rubles. For a client who successfully repaid the previous loan and applied again, the amount of the overpayment is reduced to 936 rubles.

How does lending work in Webbanker?

The registration of a microloan on the MFI website takes place in three stages. First, a potential borrower needs to fill out a simple questionnaire or application form with contact details and other financial information about himself. At the same time, he does not need income certificates and the presence of official employment. Guarantors and collateral are also not needed by Webbankir representatives. Personal account (reviews about it can be heard mainly from the positive side) in this case will be activated after a short authentication procedure.

At the second stage, you should sign the loan agreement, which will be sent to you by e-mail. It is signed by entering a code from SMS in the appropriate box. AND,finally, it remains only to receive money in any way acceptable to you.

What payment options are available?

After the approval of the microloan in Webbanker, you can specify a convenient option for crediting funds. For example, borrowers of an organization can receive almost instant money transfer to their card.

If you wish to take money in cash, everyone has the right to do this using the "Contact" payment system. And, finally, the third option for transferring funds is the Yandex. Money". According to numerous reviews, from the moment of application to the transfer of funds, it takes no more than 25-30 minutes.

Is there a loan extension?

According to information received from users, it is quite possible to extend the loan term. You can do this starting from the 4th day of using credit money. This service is provided through a personal account. In this case, the maximum extension period is no more than 30 days. It is noteworthy that the number of such renewals can be unlimited.

However, it is worth saying that this service is far from free. As it turned out, the cost of renewal for each day is 60 rubles. Therefore, for 30 days you will pay 1800 rubles. But no one canceled the interest on the loan. Therefore, in addition to this money, the borrower will need to pay interest. And this means that the amount of overpayment on such a loan will increase even more. Therefore, before extending the term of the loan, you need to carefully consider everything.

How can I repay a loan?

As regular customers of this MFI say, there are at least 5 diverse ways to repay a loan in Webbanker. For example, the simplest repayment option is performed through your personal account and using a bank card. The second option is to pay the loan through the MKB, Qiwi, Zolotaya Korona and Eleksnet terminals. Transfers are also available through Russian Post offices, the Sberbank Online service and the Yandex. Money virtual wallet.

If you have a suitable balance on your mobile phone account, you can make a payment using your gadget.

User opinions about loans in MFIs

User reviews about this microfinance organization can be conditionally divided into positive and negative. If we talk about positive reviews, then most users thank the company for loy alty, quick response, and an excellent opportunity to get a loan amount with minimal effort. This is especially helpful when money is urgently needed.

Other borrowers complain about high interest rates and large overpayments. However, it is interest and overpayment that are two integral components of any loans. But their value directly depends on the urgency and risks. Since microloans in this MFI are provided without certificates, guarantors, first installments and even collateral, the company's risks will be increased. Therefore, it is simply unrealistic to expect low interest rates on such loans.

What defaulters think about Webbankir: reviews of debtors

Despiteall the loy alty of the company to customers, many of them simply ignore the positive attitude of MFIs. Some people do not read the agreement carefully or naively believe that a non-bank organization will not charge a fine for non-payment of a loan. But it's not.

Any non-banking organization is an officially registered company. This is a private lender. Therefore, if you take a loan from him, you should take this procedure with all responsibility. Recall that for each day of late payment, the company imposes a fine of 20% per annum, taking into account the amount of your principal debt.

That's why most of the negative reviews about the work of the company comes from malicious non-payers. They are very offended by the presence of fines, which tend to accumulate.