Loans at 0 percent 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.

Loans at 0 percent

A 0 percent loan is a popular service that many microfinance organizations offer to new clients. Favorable conditions attract users and help form a client base. You can submit an application online and quickly receive money on your card.

In this way, the borrower can not only save money, but also get to know the service in practice. Microloans often raise a lot of questions and fears. This is an opportunity to personally find out everything and solve urgent financial problems.

Features of the loan

The first microloan at 0% can only be issued by a new client who has not previously cooperated with this microfinance organization. There is a short-term program on preferential terms – they issue up to $30,000 for up to 30 days. It will not be possible to borrow a large sum without interest for a period of up to one year for the first time.

It is important to repay the debt on time. If there is a delay, the MFO will set the standard interest rate to 0.8% per day. Interest is calculated for the entire past period of time. Additionally, the creditor withholds a penalty for overdue debt.

We recommend that you study the list of available microloan repayment options in advance and plan your payment. Consider the timing of the receipt of money, as well as the transfer fee.

How to get a microloan online at 0 percent?

  • Company selection and offers
  • Registration of a personal account
  • Filling out the form
  • Borrower identification
  • Sending an application with specific parameters
  • Obtaining a decision from an MFO
  • Signing the contract
  • Crediting money to the account

The entire procedure is completed remotely and takes about 30 minutes. We recommend preparing your passport, other documents, and information needed for the application in advance.

The service is available to adult citizens with a passport, permanent registration, personal mobile number, and a stable income. Certificates from work are not needed; it is enough to truthfully indicate information about employment and salary.

You can increase the likelihood of your application being approved and receiving the required amount without refusal if you fill out the application form without errors, request a small amount, and resolve problems with your credit history and debt load.

Issue methods


A loan at zero interest on a card is a popular payment option that every microfinance organization offers. It’s fast and convenient, the card is always at hand. The money received can be withdrawn from an ATM or used for card payments.

In addition to a bank card, you can get a loan at zero interest using an electronic wallet, a bank account, in cash at an MFO office or by money transfer.

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