Loans from 18 years old on the card

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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.

What is important to know about loans from the age of 18?

Loans from 18 years of age on a card are a microfinance service that provides for the issuance of money in debt to adults, that is, legally capable borrowers. MFOs do not require a large number of documents and are ready to work with young clients who have no official income or no credit history.

Microfinance organizations issue loans for people over 18 years of age for a small amount and term, so the service is available to students and other categories of clients. The small size of the microloan and the short loan term increase the chances of approval of the application.

How to get a loan on a card from the age of 18


Adult citizens can get an urgent loan from microfinance organizations. A passport is required for registration. This is a standard requirement of microfinance organizations.

The limit for issuance is large loan amounts. They are issued to borrowers over 21 years of age, since, as a rule, such clients are more solvent.

Basic conditions of issue:

Maximum amount – up to $30,000
Loan term – usually MFOs issue money for 30 days
Interest rate – from 0% to 0.8% per day
Over the age of 18, you can apply for a loan online or at the company’s office. In the application form you must indicate your passport information and contact details. The microfinance organization makes a decision on the application within 10–15 minutes. This is the main difference between loans and bank loans.

Is it possible to take out your first loan at age 18 without interest?


Yes, students can take out a microloan from the age of 18 at 0%. This promotion helps attract new borrowers and introduces them to the work of the service.

Design features of the free program:

  • The service is available to new clients. In most cases, the promotion is valid for new borrowers who apply for the first time to the selected MFO
  • Issue date. Typically, microloans at 0% are given for a short period of 1–3 weeks or do not accrue interest only for the first 5–14 days, depending on the tariff
  • A small amount. The size of a free microloan does not exceed 5–15 thousand $, but sometimes can reach $30,000
  • Redemption. It is required to return the money exactly on time, without delay, otherwise interest will be accrued for the entire period of use of the borrowed funds
  • The promotion is limited in time. But in some microfinance organizations the service operates on an ongoing basis
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