The microcredit company FinaGuru issues short-term and long-term online loans to individuals. The organization does not have a branch network; it operates remotely via the Internet.
Creditnice is a microfinance company operating since 2013. It specializes in loans with online processing, including to pay for purchases from partners; it also issues virtual credit cards and provides credit lines.
How to get a loan on a card with a negative balance
In order to get a loan from an MFO with a negative card balance, you need to contact a company that provides a loan on appropriate terms. There are quite a lot of such MFOs, among them there are large and reliable companies. To receive a loan, you must go through the registration procedure on the MFO website, fill out an application with your passport data and submit it for consideration. Additionally, the borrower indicates what card he has and what the balance is on it.
When issuing a loan to a card with a negative balance, it is necessary that the bank card of the potential borrower meets the following criteria:
- The card is personal and issued to the borrower
- The card expires no earlier than the last payment on the issued loan.
- It is necessary to take into account the fact that when applying for a loan on a card with a negative balance, a certain amount will be used to pay off the debt. The operation of crediting borrowed funds is regarded by the banking system as a balance replenishment, so the funds will be written off automatically.