Loans to a card online

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The microcredit company VAYVND issues microloans to individuals online and in branches.

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.

Creditify is a service for issuing urgent online loans to a bank card. You can take out a loan on a card from this company for various purposes. Income certificates and guarantors are not required.

Loans to a card online, take an urgent microloan without refusal

What is a loan on a card?

A loan on a card is a popular financial service from microfinance organizations for issuing money on credit online. The microloan is transferred to a bank card issued in the name of the borrower.

You can receive payments using Visa and MasterCard cards issued by any bank.

You can take out a loan on a bank card remotely from home. You just need to fill out an online application on the IFC or MCC website. This is a quick and simple procedure, unlike bank loans, which are not available to all borrowers.

Our service specialists have collected all the necessary information about microfinance companies where you can get a microloan on a card online, including using a passport and without permanent registration. When choosing a suitable offer, take into account the amount issued by the IFC or MCC, and the term, interest rate, requirements for borrowers and other conditions.

Online loans on a card – features

Loans to a card online

A microloan, unlike a bank loan, is not targeted, so the borrower does not indicate for what purposes he needs the money. This is a simple option for real financial assistance in a difficult situation.

Loan conditions depend on the specific microfinance organization, but more often you can get up to $3,000 for a period of 1 to 30 days at a rate of up to 0.8% per day. Those who apply for the first time are usually approved for a small amount, up to $1,000 – $15,000.

There is also a long-term loan, which involves a higher amount and a repayment period of several months. In this case, the borrower receives a payment schedule with the frequency of depositing money every 2-4 weeks. The interest rate will be lower than for a short-term loan. Additional documents may be required, for example, a certificate of income. If your credit history is damaged, such a loan online will most likely not be issued.

Borrowers can also receive interest-free loans if they apply to microfinance organizations for the first time. There is no catch here, this way the financial institution expands its client base. The main condition for an interest-free loan is to repay the debt on time. In case of late payment, interest accrues from the first day of use of the money.

Step-by-step instructions for receiving money on a plastic card


To quickly receive the required amount from a microfinance organization, you need:

  • Next to a suitable offer, click the “Submit Application” button
  • Use the calculator to select the required loan amount and term
  • View overpayment
  • If everything is satisfactory, click “Submit application”
  • Fill out the form manually so that the data is filled in automatically. The more detailed the questionnaire is filled out, the greater the likelihood of the application being approved. When filling out automatically through State Services, the chance of approval is higher
  • Confirm your mobile number using the verification code from SMS
  • Submit an application for consideration
  • Wait for the result via SMS
  • If the application is approved, wait a few minutes until the money is credited to the card
  • Waiting time for response from MFO

The work of microfinance organizations is based on accessibility and high speed of work. Therefore, they review applications and issue loans in a realistically short period of time. A potential borrower, as a rule, does not provide many documents, so consideration occurs only on the basis of the data specified in the application form. The review process usually takes a few minutes.

During this time, the system checks that the entered data corresponds to the specified parameters that are important to a particular financial organization. Based on this compliance, a decision will be made. Most microfinance organizations respond within 1-3 minutes after sending the application. In some companies this period reaches 15 minutes. When submitting an application online, the time of day does not matter. The system makes a decision automatically. Therefore, even if you need money urgently at night, you can leave a request and receive the required amount of up to 100 thousand rubles on your card around the clock.

How to increase the chances of getting a microloan approved on your card?


If you follow these guidelines, your likelihood of approval may increase:

  • Close existing arrears on other loans and credits, if any
  • Fill out the form in as much detail as possible, providing only accurate information.
  • Login via account
  • Select offers from those MFOs that are most loyal to borrowers
  • Provide proof of income
  • Provide a deposit (not all companies accept)
  • Indicate the contact numbers of your closest relatives and notify them of your desire to apply for a microloan
  • Make sure that the card specified in the application form has a positive balance
  • If an MFO requires a photo of the borrower, take care of the appearance and environment, this will also increase the likelihood of approval
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