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.
Typically, to apply for a loan, you must indicate your phone number in the application form. If you do not want to leave your number in other places, you can contact a company that does not require it when registering. To apply for a loan, just leave an application on the IFC or MCC website. On this page you will learn about companies where you can get a loan without a phone number. When choosing, consider the amount and term, interest rate, requirements for borrowers and other conditions.
Advantages
You can get a loan if you don’t have your phone with you or it’s turned off
You will also avoid advertising calls from the company during and after the microloan term.
Flaws
Most MFCs and MCCs still require a phone number when applying for a loan
Over the phone, the company can warn you about technical problems or remind you about the repayment date of the microloan