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 via Telegram to card
Telegram bot for loans is an online service in the Telegram application that conducts a dialogue with the client, helping to quickly fill out an application and instantly receive money. The bot can belong to a specific microfinance organization or act as an intermediary between the client and the microfinance organization. This information is specified in the additional agreement that the client signs when submitting an application.
Telegram bots promise to issue a loan without refusal or document verification, even to people with a bad credit history. If the service works directly from an MFO, it can provide advice on the following issues and topics:
- Conditions for granting and repaying the loan
- Extension of loan term
- Debt
- Technical support
You can fill out an application using the new method on any device where Telegram is installed: smartphone, tablet and computer. The technology is available to new and experienced borrowers.
How to get a loan through a Telegram bot
Procedure for applying for a loan through a Telegram bot:
- Install Telegram on any iOS, Android and Windows Phone device
- Open the application and enter “loan online” in the search bar. Available services will be displayed on the screen. Or enter the bot’s name using the @ symbol
- Select one of the bots and click on it
- Click Start and follow the prompts
- Use the menu for quick navigation
When applying for a loan through a Telegram bot, the client goes through the same stages as in his personal account: filling out an application, signing an agreement and crediting money to the card.
Pros and cons of loans through a Telegram bot
Advantages of the service:
- Convenience. You can submit your application around the clock through an application on your computer or smartphone and receive the required amount immediately
- High speed of service. Applications via Telegram are considered as a priority or using scoring analysis
- Simplicity of the interface, menu and loan processing
- Save time. Over the past year, Telegram has been actively developing. If you are already on Telegram, there is no need to switch to third-party resources
Disadvantages of bots:
When interacting with intermediary bots, you can encounter negative consequences:
- General approach. Such bots do not select a loan for a specific person. The program sends everyone links to applications to the same microfinance organizations
- Illegality. Most services work without registering an individual entrepreneur or legal entity
- Commission. Some services charge a fee for providing the service
- Fraud. There may be criminals hiding behind a loan bot who collect personal data to use it for fraudulent purposes