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.
Loans for everyone
Loans that are given to everyone are offers from microfinance organizations for which they impose the least requirements on borrowers and request a minimum number of documents. Usually a passport is enough.
As a rule, these are amounts up to $10,000 for a short term and a maximum interest rate of 0.8% per day. Many microfinance organizations offer interest-free loans to new clients and approve almost all loans without refusal. However, not all microfinance organizations provide microloans to persons without citizenship, permanent registration, without income and with a damaged credit history.
How to increase your chances of approval
To ensure your application is approved, it is better to be on the safe side. To do this you can do the following:
Fill out the form in detail, providing only reliable information.
Provide proof of income
Apply for a loan secured by a title, car or other property
Check your bank card balance if you indicated in your application that you want to receive money on it. If the balance is zero or negative, money will not be credited to the account.
Basic requirements for the borrower
Loans that are given to absolutely everyone have extremely loyal requirements. Most often, you need to fulfill several simple conditions for the application to be approved:
- Reach the age of majority (in some MFOs from 21 years old)
- Be able to repay the loan received
- The borrower usually only needs to have a passport, as well as a mobile phone with the function of receiving SMS. The speed of approval of an application for such microloans is maximum. Within 5-10 minutes after sending the application form for consideration, you can expect a message with the result to the specified phone number.
Ways to get a loan for everyone
You can borrow money from:
- To a bank card.
- To an electronic wallet
- By money transfer through money transfer systems
- By post or bank transfer
- Cash in the office