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.
Loan without CI in MFOs
Credit history (CI) is information about all credits and loans of a person. Banks and microfinance companies take CI into account when considering applications. Banks often refuse to issue funds to borrowers who have never taken out a loan. The requirements of MFOs are not as strict as those of banks. Therefore, it is easier for citizens without a credit history to get a loan here.
How to apply for a loan through the service
To apply for a microloan without a credit history, the application procedure is as follows:
- Compare offers from microfinance companies on this page
- Select a company and click the “Submit Application” button next to the selected organization
- Calculate the preliminary overpayment on a loan using an online calculator
- Register on the company’s website and fill out an application for a microloan
- Submit it for review
- Wait for a decision on your application, it will take no more than 15 minutes
- Sign the contract
- Get money on the card