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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.

Top best microloans for 2024

We have selected for you a list of interesting offers from reliable microfinance companies with a good reputation. This page presents the top interest-free loans (popular rating) with good conditions, as well as customer reviews. Find out which loan can be urgently applied for online with a high probability of approval and who is eligible for 0% interest programs. Take money for any purpose and period.

Our rating includes only well-known and trusted companies that issue profitable microloans online. We took into account various characteristics: from the time the organization was on the market to the conditions for providing borrowed funds to new clients. For your convenience, the site provides a filter with which you can set the necessary search parameters.

Who is it suitable for?

You can use a loan in the following situations:

  • Urgently need money to solve an unexpected problem
  • Need a small amount for a short period of time
  • The borrower is confident that he will be able to repay the debt on the specified date
  • You can’t do without borrowed money, there’s no way to wait for your main income
  • Unable to get a loan from a bank (damaged credit history, unofficial employment, long wait for a decision)

Features of the loan

Microfinance services have features that it is recommended to learn about before applying to an MFO. You can get a loan:

  • Completely online without visiting the company office and communicating with employees
  • Passport, employment or salary certificates are not required
  • Fast, the whole procedure takes no more than half an hour
  • 24/7, online applications are processed automatically at any time
  • For an amount up to $100,000 and a period of up to one year
  • By transfer to a bank card, account or electronic wallet, as well as in cash at the MFO cash desk or through a money transfer operator
  • Without guarantors, co-borrowers, property as collateral
  • With a damaged credit history, it is important to have no current overdue debt
  • Without official employment, the source of income can be anything, including freelancing or social benefits
  • For any personal needs, the purpose of the loan does not need to be explained
  • Early repayment is available without restrictions with interest recalculation. If necessary, the loan term can be extended by paying the already accrued interest.

How to apply for a loan

You can submit an application online in two clicks by clicking on the “Submit Application” button next to the option you like. Pre-approval is given in a few minutes even to those who are refused by the bank.

When choosing a microloan, check the basic conditions for providing funds. Pay attention to the methods and terms of loan repayment, as well as the amount of overpayment.


Possibility of remote registration in two clicks
Availability of payday loans for the population (small amounts and minimum repayment period)
Loyal attitude towards clients with damaged CI who applied for the first time
Availability of favorable offers for microloans for large amounts – they are easier to apply for than getting a consumer loan in cash
Opportunity to urgently solve a financial problem, money is issued around the clock


24-hour processing is not available in all offices
High interest rates (especially for short-term loans)
Small limit on the amount for new clients – up to $15,000

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