To apply for a loan, in some cases it is not necessary to have permanent registration in the region of residence. Some MFCs and MCCs accept and approve applications from clients with temporary registration. You can submit an application online and receive money via bank card, e-wallet or money transfer. This page contains organizations that lend money to clients with temporary registration. When choosing, consider the amount and term, interest rate, requirements for borrowers and other conditions.
Features of a microloan with temporary registration
You can fill out an application to the microfinance organization and receive money on your card on the same day online. You can apply for a loan without permanent registration and official employment.
Features of microloans:
Loyal requirements for credit history (CI) – money can be obtained even with open and overdue loans
Flexible age limits – from 21 to 65–70 years
No requirements for official employment – no need to confirm income
Possibility of receiving money in different ways – cash in the office or by transfer, transfer to a card or e-wallet
Conditions for obtaining a loan for temporary registration
The conditions for obtaining a microloan may vary, but the basic parameters are as follows:
Amount – from 5,000 to 30,000 rubles, less often – up to 100,000 rubles
Rate – from 0 to 0.8% per day
To take out a loan, you need:
Select an offer on this page
Click on the “Submit Application” button and follow the secure link to the lender’s website
Fill out an application for a microloan – indicate the required amount and term
Fill out your information, including uploading a passport photo and linking a bank card to your account
Wait for approval – notification will be sent via SMS and e-mail
Sign the contract using the code from SMS
Requirements for the borrower
MCC and MFC issue money to clients:
With Russian citizenship or temporary registration
With regular income – just indicate the source and amount of earnings in the application form
Ages 21 to 70
Sometimes, for additional verification, the client is asked to provide TIN information.
If the client does not have permanent registration, some MFOs may tighten the requirements – analyze the CI more carefully and request a certificate of employment confirming the borrower’s employment and stable income.
Advantages and disadvantages of a microloan
Before submitting an application to an MFO, you need to study the pros and cons of microloans.
Advantages:
Availability of the service – no strict requirements for registration in the passport
Convenient online application – no need to visit the office
Minimum package of documents – most microfinance organizations only request a passport
Low probability of refusal – applications are approved even for clients with poor CI
No additional requirements – lenders do not require certificates of income of individuals, collateral, or guarantors
Various repayment methods – online from bank cards, at ATMs, in cash at the cash desk
Flaws:
Limited offer – not all organizations provide loans to clients with temporary registration
High cost of services – rates are higher than in banks
Strict limits on terms and amounts – basically, clients can receive no more than $3,000 for 30 days. At the first application, they can approve a loan of $500–$15,000