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.
Advantages
Speed. Fast registration and consideration of the application, instant crediting of funds on the day of application
Availability. Microfinance companies lend online, no need to look for an office
Convenience. You can take out a loan online 24 hours a day, without holidays or weekends.
Loyalty. MFOs place fewer demands on clients and you can get money almost without refusal
New opportunities. Card loans for the New Year will allow you to please your loved ones and friends with gifts and a rich New Year’s table
Flaws
Unfavorable interest rate. High interest rate compared to banking products, up to 0.8% per day
Small amount and short term of microloan
How to get a loan for the New Year
There are several ways to get a loan. The most popular is a bank card. A card from any bank will do; the category and payment system are not particularly important. It is important that the card is issued in the borrower’s full name and has a current expiration date.
If you plan to purchase online, you can use an electronic wallet. The transfer arrives in a matter of minutes. But a certain status of the wallet will be required, in which the owner provided his passport data.
You can also get a cash loan. To receive a money transfer, you need to select a payment operator from the list and contact the nearest office.