Loan up to $200,000 per 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.

How to choose a microfinance organization

Loan up to $200,000 per card


When choosing a microfinance organization, you need to pay attention to several important points:

  • Reliability and reputation of MFOs. The company must be included in the Central Bank register. You can evaluate the activities of microfinance organizations based on customer reviews and company ratings on aggregator sites
  • No commission. Organizations with a reliable reputation in the financial services market do not impose additional fees for transferring funds to a client. Even if there is one, it is automatically deducted from the microloan amount upon transfer
  • Conditions for issuing a loan: term, amount and rate. The main rule to remember: the faster you can pay off the debt, the less money you will have to pay from your own wallet
  • Requirements for the borrower. The borrower must meet the requirements of the microfinance organization, otherwise the application may be rejected
  • Availability of additional services. When applying for a loan, you need to clarify whether the company offers additional options along with the loan: insurance, credit history check, telemedicine, legal advice, etc.
  • Loyalty program. An important factor is the availability of promotions, discounts and other bonuses for new and existing clients

Conditions for obtaining a loan for 200,000 thousand dollars


The client has a convenient way to receive borrowed money: urgently on a card or in cash. You can fill out an application at an MFO branch or online. A client with a bad credit history can take out a microloan; in most cases, the money is transferred to the card without refusal. To apply, all you need is a passport and a valid phone number.

Loan repayment methods


There are several ways to repay loans:

  • In cash at the office of a microfinance company. The microfinance organization does not charge a fee for making a payment, the money is credited instantly
  • Via terminal. The size of the commission depends on the creditor company and the terminal operator. Transfer can take up to five days
  • Via online banking or mobile banking application. You can make a payment using the company details. The bank may charge a transfer fee. Money usually arrives on the same day, but sometimes the transfer takes up to five days
  • Transfer from an electronic wallet. Payment systems charge a commission for transactions. Money is credited to the MFO account within an hour, in some cases the transfer takes up to three days
  • Through the MFO website or application. In your personal account you can make a payment by bank card without commission. The money will be credited to the company account on the same day


Requirements for the borrower


All microfinance organizations have approximately the same requirements for borrowers:

  • Citizenship
  • Permanent or temporary registration
  • Age: from 21 to 65 years, some companies have more flexible requirements for the client’s age – from 18 to 81 years
  • Availability of a mobile phone
  • Stable income
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