Convenience and speed of obtaining small loans made micro-credit organizations very popular in Russia. In 2017, their number about the whole country exceeded 3 thousand units. The competition in this area has become very large, for this reason, one or another company provides the most favorable conditions for its customers in order to attract a large audience and, of course, get more profit. With such a variety of offers you need to know microfinance organizations rating 2016-2017. This article presents the company with the most favorable loan conditions.
10. Zaymer
Simer - dThis organization is perhaps the leader in the microloan market today. The main difference from other organizations is the low interest rate: it is only 0.63% per day. For example, an average company has a rate of 1.50%. In addition, the versatility of issuance is an exceptional feature. In addition to issuing money to well-known bank cards and electronic wallets, Seimer transfers money to systems such as Payeer and other third-party accounts. Among the negative aspects, it is perhaps worth noting the mandatory binding of a bank card. In addition, to get a loan you need to be over 25 years old and have a salary of at least 35 thousand rubles per month.
9. MoneyMan
MoneyMan - the most widespread organization, lending small funds. Having started its activities only in 2012, this company today is actively issuing debts to residents of Kazakhstan, Georgia and even distant Spain. However, all the same, the main activity is in Russia. The interest rate is not universal. Depending on the borrower, it can vary from 0 to 1.85%. Its size may be affected by the credit history of the person, the availability of income, as well as the time and amount of funds received. In addition, the maximum loan amount for a particular person is also individually set depending on the data already indicated.
8. Mig Credit
Mig Credit - This is the very first MFI in Russia. Thanks to this, it has the largest network of branches and representative offices in the country. In addition, a loan can be issued online. In general, money from this MFI can be obtained at 5600 distribution points throughout Russia. A prerequisite for approval in this company is the presence of an official income of at least 10 thousand rubles. In addition, a person should not have current loans in other organizations and not have a single delay in the entire history of obtaining loans. A loan is issued for a period of 3 to 30 days, at an interest rate of up to 1%, depending on the type of debt received. So, if a person first receives a loan with a lump sum repayment, then the rate will be 1%. With gradual repayment for a longer period, it drops to 0.5%.
7. SMSFINANCE
SMSFINANCE - ethen another liberal in this market. It issues a loan exclusively through the Internet. In this case, only a passport is required. The decision on the application is made instantly. All citizens of Russia who have reached the age of majority can receive money from this MFI. But unlike Credit 24, SMSFINANCE is distinguished by an average daily interest rate on its loans. You can borrow money for a period of 1 day to a month with interest equal to 0.90 per 24 hours.
A feature of this organization is the ability to receive debt around the clock and even on weekends.
6. LIME LOAN
LIME ZAIM - another 24 to 7 company with the most liberal approach to issuing debts. So, to apply for a loan here can be persons who are citizens of the Russian Federation who have reached 18 years of age. A loan is issued online and a decision is made instantly. Moreover, the loan term is one of the largest in this market and ranges from 1 to 90 days at a rate of 0.8%. However, the loan amount is limited to 20,400 rubles.
5. PLATISA
PLATISA - one of the well-known companies issuing funds for online applications. It works around the clock and seven days a week. The term for the provision of funds may be up to 45 days. Any adult citizen of the country can get a loan of up to 30 thousand rubles at a rate of 1% per day. You can get money within five minutes from the time you submit your application in any convenient way.
4. Ekapusta
Ekapusta - one of the oldest MFIs, which has been working exclusively online since the first day of its foundation. A feature, perhaps, is the ability to receive funds without proof of income. The decision to issue money is not made by the manager, but by a specially developed program. In connection with these factors, for new customers the company provides the first loan in the amount of not more than one thousand rubles. At the same time, without a credit history and proof of earnings, it is necessary to indicate the employer's phone number. Each time, the maximum amount will increase. It is very convenient for creating a credit history, since your data on loans in this company are entered into the system. All persons over the age of 21 can receive money up to 30 thousand rubles at an interest rate of 1.7%. Not the smallest rate, but given the democratic nature of other conditions, it is quite acceptable.
3. ONE CLICK MONEY
ONE Click MONEY — perhaps one of the antiheroes of our rating. The conditions for obtaining a loan online are among the most unprofitable among the leaders in this market. So, to learn a loan you need to have a permanent job. The amount of money can be no more than 25 thousand rubles at 1.8% per day. however, the loan is issued online and does not require proof of income. Also a plus is the ability to receive debt by all persons from 18 to 80 years.
2. Credit 24
Credit 24 - this MFI has the most liberal and democratic approach to its potential borrowers. A loan from this organization can be obtained online without providing income statements. Any citizen of the Russian Federation over the age of 18 can get a loan. However, the rate is simply huge. 1.9% per day compared with other MFIs can be considered almost predatory. However, the availability of the service to almost everyone makes this service very popular. The loan term is from a week to a month, while the decision on the application is taken literally in a few minutes.
1. TURBO LOAN
TURBOZAYM It differs in that it issues debts regardless of credit history. So, customers can use the history correction program, which allows to reduce the percentage of returns and delays in the history and clear it. But at the same time, the conditions for issuing money are very conservative. So, debt can only be obtained with proof of income. In addition, you must be between the ages of 21 and 65. And all this at a simply gigantic rate of 2.1% per day. This MFI would not be included in the top 10 of this rating, if not for the program of correcting the credit history, which helps people a lot.