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.
A microloan allows you to urgently solve financial problems without the help of family and friends. You can use the service online without leaving your home. The borrower can receive money on the card on the day of application without collateral and lengthy checks.
How to get a loan without prepayment
Taking out a loan without prepayment is quite possible. Credit conditions are limited by law, including the imposition of additional paid services. MFOs do not charge a fee for processing an application or issuing a loan. The borrower must be notified in advance of all paid services and has the right to refuse them.
Legitimate companies operate without deception and earn only on established interest rates for the use of borrowed funds. Only scammers can offer to make an advance payment for a microloan. Remote services not only provide comfort for customers, but also open up additional opportunities for attackers. We recommend that you study reviews of other borrowers about microfinance organizations before receiving a loan.
Before applying for a microloan, calculate the amount of the final overpayment by comparing the interest rate, amount and loan term. Many companies issue first loans to new customers without interest.
Advantages
Various options for obtaining borrowed funds
Soft requirements for the borrower
No hidden fees or commissions
Interest-free loans for new clients
Fast application review
Flaws
High interest rate
Small amount and microloan term