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.
In the microfinance services market, along with payday microloans, lending programs for large amounts and long terms are available. Thus, companies offer loans of up to $300,000 for several years. You can return the money to the lender after one or two years.
The advantage of such products is that clients pay loans according to an agreed payment schedule. In essence, they take out a loan and pay it back gradually in small amounts.
It is not possible to get a long-term loan at a rate of 0% per day. But due to the long payment period, the interest rate will be lower than for short-term loans.
The terms of long-term loans with a repayment period of up to 24 months vary and depend on the MFO and the set of options, including the availability of insurance. Often, in order to receive a large amount, you need to take out a mortgage on a car or real estate.
On this page you will find options for all categories of borrowers.
How to get a loan for 24 months
To apply for a loan, follow the instructions:
- Select a product on this page
- Click the “Submit Application” button
- Fill out the online form on the MFO website
- Wait for approval
Applications are reviewed within a few minutes. If the decision is positive, the client will be asked to sign an agreement, issue a deposit, and then the money will be transferred. The payment schedule will appear in your personal account on the MFO website or in the application. All necessary information regarding the loan will be sent by email.