Get money in installments on a 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.

Get money in installments on a card

A loan that is provided for a long term and is repaid regularly in equal installments can be called an installment loan. A long-term microloan without collateral can be issued for a year, six months, several months and payments can be made monthly or once every two weeks. The offer has a low rate, on average 0.3–0.6% per day. A large amount of up to $10,000 is available to the borrower.

Get money in installments on a card

If you provide a personal car as collateral, the financing terms will be more favorable. You can receive up to 5 million rubles for three years. Secured lending is relevant for clients with a bad credit history and those who need to quickly get money without banks. The borrower remains with the vehicle without restrictions on use.

Installment money without interest for new customers is a free installment plan. If you repay the debt on time, there will be no overpayment. On preferential terms, you can borrow up to $3,000 for a period of up to 21–30 days. A user can take advantage of the interest-free promotion in each company no more than once. If payment is delayed, interest will be charged in full along with a late fee.

Who can count on money in installments

An adult citizen who has a stable source of income and a personal mobile phone can take out an installment loan. The only document you need is a passport. To receive money without refusal for up to 12 months, you must provide an additional salary certificate or a guarantor.

What you need to know about installment loans


How to increase the chances of microloan approval?
You are more likely to borrow money if:

  • Fill out the form and application carefully without errors.
  • Constantly use the services of one microfinance organization
  • Confirm income, provide collateral or guarantor


How much loan can I expect?


The loan amount depends on the chosen program and an assessment of the borrower’s solvency. A short-term loan involves an amount of up to $3,000, a long-term loan without collateral – up to $10,000, with collateral – up to 5 million rubles.

For how long can money be approved in installments?
The term depends on the microloan category. A small payday loan can be taken out for 3–30 days; a large amount without collateral is issued for 2–12 months; if you pawn a car, the period will increase to three years.

Is it possible to refinance the loan?
Direct targeted loan refinancing is rare. But the client can take out a regular microloan or consumer loan for any purpose to pay off the existing debt.

How to extend repayment terms?
If such an option is available in the MFO, you need to activate it and pay the interest already accrued. The extension period is set automatically or at the client’s discretion.

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