Моментальные займы на карту
About this app
Instant loan is a financial marketplace that helps users transfer information to a network of trusted microfinance organizations. The service allows you to quickly and conveniently submit an application and receive a loan offer on a card. We do not provide loans directly and do not make decisions on approval - we connect you with members of our partner network.
The platform is useful in situations where money is urgently needed - for example, if unplanned expenses have arisen or there is not enough money until the next income. In such cases, you can use the application to find an offer that meets your goal.
The user can select the conditions, transfer information and receive a response from one of our partners. Some offers provide the ability to transfer funds to the card upon successful verification of the data.
The main advantages of the Instant Loan service:
transfer of information directly to the network of licensed MFIs;
no need to visit the office or collect documents;
transparent conditions and open information about each offer;
flexibility of choice and speed of response from partners.
All transmitted information is protected using industry security standards, including SSL encryption technology. We comply with privacy standards and do not transfer your data to third parties without consent.
For successful registration, you should read:
- The minimum period for repaying a loan to a card is 91 days, the maximum does not exceed 365 days.
- The annual interest rate will not exceed 32.5%. The basic rate for using credit funds ranges from 6.00% to 32.5%.
- The rate for using a loan until payday varies from a minimum of 0.01% to a maximum of 0.01% daily.
- For late payments, a penalty of 0.1% of the overdue amount is provided every day, but the total penalty amount will not exceed 10% of the original amount of the online loan.
- Microloans to a card until payday do not burden the client with additional commissions or fees.
A detailed example of calculating the interest rate:
- Loans to a card - 10,000 rubles.
- The loan period is 91 days.
- The daily commission is 0.01% or 10 rubles, which is approximately 3% monthly (calculated for 30 days) or 300 rubles per month.
- Summing up all the commission charges for 91 days, we get 900 rubles.
- The total amount to be returned is 10,900 rubles.
- The FLC or full cost (FLC) expressed as a percentage is 32.5% per annum.
If you miss the payment deadline for a payday loan, the penalty will be 0.1% of the total amount of the overdue payment each day, but not more than 10% of the total loan amount.
Requirements: age from 18 to 65 years.
