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 virtual card
Virtual cards
A virtual card can only be used online, as it does not have a physical medium. You can use it to pay for purchases, make transfers and payments. It will take no more than 5 minutes to issue a card in your personal account. The service is available to existing bank clients. The card can be debit or credit.
Good conditions for virtual cards make this product popular among consumers. The card can be opened urgently, and no service fee is charged. In addition, such a card is as comfortable as possible for use on the Internet. It is not necessary to store money on it; you can transfer the required amount before making a payment. This will eliminate the possibility of unauthorized access to the account of third parties.
How to avoid scammers when getting a loan
You should choose only proven and well-known services that maximally protect the buyer when making transactions with a bank card. On the main page of the MFO website, its full official name should be posted, indicating its organizational and legal form, as well as its address, telephone number, and email for communication. If a company representative calls by phone and wants to receive information about card transactions, payment details, code from SMS, hang up – it’s a scammer.