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.
Loan 80,000 dollars on a card urgently
In the microfinance services market, in addition to payday loans up to $30,000 thousand, microfinance organizations offer loans up to $80,000 for up to a year. The advantage of such products is that borrowers repay the debt according to an agreed payment schedule in small amounts.
You can get a loan of 80 thousand dollars on a card without collateral or guarantors. These products have features:
- Duration up to 180 days, less often the loan is issued for a year
- Rate – from 0.01 to 0.8% per day
- A large amount can be obtained by re-applying to an MFO
- Larger amounts can be obtained for up to two years. Typically, such loans are issued against the security of a car, title, apartment or other property.
Click the “Submit Application” button next to the suitable offer
Specify the loan amount and term
View the amount to be refunded and the amount of overpayment
If everything is satisfactory, click the “Submit application” button
Fill in the fields of the form.
Confirm your mobile phone number, enter the verification code that will be sent via SMS
Submit your application for review, the process usually takes a few minutes
Wait for a decision on your application
If the decision is positive, you need to wait until the loan is transferred
Required documents
Passport
Bank card
Mobile phone
Documents confirming income (at the company’s request)
The microfinance organization may request a second document: international passport, driver’s license, pension certificate. other. If you need money urgently, you can submit an application at any time of the day, because online services work around the clock.
- Requirements for the borrower
- Citizenship
- Capacity
- Permanent registration on the territory
- Age from 18 to 70 years. There are proposals in which the minimum age is 21 years old, and the maximum is 81 years old
- Having a regular income to pay off debt.
- Availability of a valid bank card of the MIR, Mastercard or Visa payment systems with a positive balance, issued in the name of the borrower
- Availability of a mobile phone with operator service for at least one year
- No debt to microfinance organizations
- Loan repayment terms for 80 thousand
- Payments are usually made biweekly or on an individual schedule. In order not to spoil your credit history, you need to make loan payments on time and repay it within the period established by the agreement.
The repayment date is considered to be the date the money is credited to the MFO account, and not the date it is written off from the client’s account. When choosing a payment method, you need to take into account that the processing time for transfers is one to two days, and for cash – two to three days. An individual company may have certain characteristics of loan repayment, so you need to pay attention to which one will be the fastest.
- There are several ways to repay a loan:
- Transfer in the borrower’s personal account on the MFO website.
- Transfer from card to company account. This can be done using
- Making a payment from your mobile phone balance.
- Payment at the MFO branch without commission.
When making a payment, you need to take into account the terms of crediting the money and the commission in order to be sure that the required amount will arrive on time. Not all payment methods indicated may be available, as they depend on the region in which the borrower is located.