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 card in 5 minutes
Features of loans to a card in 5 minutes
If you urgently need a small amount for a limited period, the easiest way to resolve the issue is by contacting a microfinance organization.
One of the advantages of a loan is the fast processing speed. Many organizations spend only five minutes reviewing the application, making a decision and crediting the money. You can apply for a microloan online and receive money via a bank card, e-wallet or money transfer.
Requirements for the borrower
A borrower over the age of 18 who has:
- Citizenship
- Permanent registration at the place of residence
- Stable income
- Personal mobile phone number
- A passport is a must-have document. Sometimes a lender will ask for a driver’s license as a second form of identification. A certificate of income is not required; it is enough to indicate in the application the place of work and the amount of earnings.
Loan repayment terms
You need to repay the debt – the loan amount and accrued interest – in one payment at the end of the term. The exact date is indicated in the contract. You can view the details of the debt online in the borrower’s personal account on the MFO website or in the mobile application.
Microfinance organizations offer several ways to repay debt. However, they do not depend on how the loan was received – transferred to the card or issued in cash at the cash desk. When choosing, you need to take into account the presence of a commission for the service and the duration of crediting funds.
You can repay a microloan:
- By card on the website or in the app
- By transfer using company details at a bank branch or via online banking
- Transfer from an electronic wallet
- By postal transfer
- In cash at terminals, payment acceptance points, and MFO cash desks
Instructions for completing an application online
To apply for a loan in 5 minutes and urgently solve a financial problem, you need:
- Select one or more offers on this page and compare conditions. It is important to check the requirements for the borrower so as not to be refused
- Click the “Submit Application” button to the MFO website and register
- Fill out the form, upload photos of documents, enter card details
- Submit an application for consideration
- If the decision is positive, read and sign the contract using the code from SMS
- Get money on the card