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.
Loans by money transfer
How to get a loan by money transfer
To receive money on your card through a money transfer system, you need to fill out an online loan application.
- Selecting a financial product
- Filling out a form indicating passport data
- Submitting a request for consideration and waiting for a response from the IFC or MCC
- Signing an agreement using a code from SMS
- Receiving a loan sending code
Only a borrower with a passport and the received code can withdraw money from one of the collection points. In this case, you need to take into account the work schedule – branches will be closed at night, on weekends or on holidays.
How to increase your chances of getting a loan
A money order loan is a popular way to quickly get a small amount of cash. To increase the chances of your application being approved, you should adhere to the following recommendations:
- Fill out the form without errors or omissions. The more information it contains, the easier it is for the lender to make a decision on the loan. In this case, even a small mistake will lead to automatic refusal.
- Provide real information about yourself, place of work and income
- Do not request the maximum amount and loan term. To get started, you can take out a small loan
- Make sure that the borrower meets the mandatory requirements of the IFC: over 18 years old, has Russian citizenship, with permanent registration, a valid passport, mobile phone
A money transfer loan is a small amount borrowed from a microfinance organization for a short period of time and sent through one of the money transfer systems. This method is suitable if you just need cash. An application for such a loan can be submitted online on the IFC or MCC website. Here you will find out which organizations issue microloans via money transfers and which systems they cooperate with. When choosing, consider the amount and term, interest rate, requirements for borrowers and other conditions.
Advantages
You can apply for a loan at any time without leaving your home. You can receive money at a transfer system service point. For this you need any identification document
With this method of registration, you are guaranteed to receive cash that can be spent on any purpose
Transfer systems guarantee the security of every transaction
Flaws
You can receive money only during business hours of service points. They do not work at night, on weekends and holidays
When applying for loans by money transfer, receiving money takes longer than with other methods. This may take 1-2 days
If for some reason you send a friend or relative to pick up the money, he will need a power of attorney certified by a notary