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 to a debit card
Features of obtaining a microloan on a debit card
Most MFCs and MCCs issue money online to a card. This is a convenient and fast way to receive the approved amount on a personal card of any bank without refusal. To do this, add a means of payment in the borrower’s personal account on the MFO website or application. Fill in all the details – number, holder name, expiration date, CVV or CVC code. For verification, you need a positive balance – several rubles will be debited from the card and then returned.
To take out an urgent loan, just fill out an application online.
Product Terms
It will take 10–15 minutes to fill out the application. The lender needs another 5–10 minutes to make a decision. Typically, an online loan is processed as quickly as possible. This is the main advantage of the service. Once approved, the money will be sent to your debit card instantly. At the same time, MFOs do not require proof of income or an ideal credit history.
For those who do not want to provide payment card details on the Internet, there is an alternative option – to receive payment to an electronic wallet.
Average microcredit terms:
Duration – from 1 day to 1095 days
Amount – from 100 to 5000 $
Interest rate – from 0.1 to 0.8%
Timeliness is important for debt repayment. Use any available methods to pay for a microloan. For example, by card on the lender’s website or through online banking.
What documents are needed
Issuing a loan online to a card requires identification of the borrower, so you must present a passport. As an additional document, a TIN or driver’s license may be requested. You don’t need a salary certificate, just fill in your income and employment information in the form.