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.
Features of loans for 3 days
To choose the best offer, you need to carefully study the terms of the contract. They may differ for different microfinance organizations.
It is recommended to realistically assess your financial capabilities. If the loan is not paid on time, the lender will charge additional interest for each day of delay. It is important to choose a company with transparent terms and the possibility of extending the contract.
If you have difficulties paying your debt, you can simply contact a representative of the microfinance organization and arrange an extension of the contract. To do this, you will need to pay the interest that has accumulated to date. There are no further conditions for extending the contract. At the same time, the credit rating does not decrease and the borrower’s reputation does not deteriorate.
Companies are interested in conscientious borrowers who do not default. Lending companies offer loan programs on more favorable terms to such clients. It could be:
- Reduced rate
- Bonuses for loyalty
- Larger loan amount
- Extended debt repayment period
- Individual approach to problem solving and other privileges
Advantages and disadvantages of a loan for three days
The main advantage of three-day loans is the approval of applications for all categories of borrowers, including pensioners and students.
This is a great option for borrowers with no credit history, or for those who want to improve their credit reputation. By applying for a loan from an MFO and repaying the debt on time, you can optimize scoring. With each new loan the amount increases.
How to get a microloan for 3 days
Applying for and receiving a microloan will not take much time. To do this, you need:
Specify loan parameters in the filter
Select MFO
Fill out the application form
If approved, sign the agreement using the code
To receive money, you can choose any convenient method – bank card, account, e-wallet, office visit, courier delivery. Money in non-cash form will arrive instantly. To receive it at the office or via courier, you will need to specify the date and time.
To get a better chance of approval and choose the best offer, it is recommended to send applications to several organizations at once.
Requirements for the borrower
A three-day loan is available to every over 18 years of age with a valid passport and registration. In some microfinance organizations, the minimum borrower age is 21 years. The maximum age of an MFO is determined in different ways – from 80 to 99 years.
All categories of borrowers can receive money from MFOs, including:
- Students
- Pensioners
- No official income
- With a low credit rating
- With an open loan from another bank or microfinance organization