МикроКлад - Займы на карту
50K+
Downloads
Everyone
info
About this app
MicroKlad is a financial marketplace that helps users submit loan applications to trusted Russian microfinance organizations. The service allows you to quickly and conveniently submit an application and receive a loan offer directly to your card. We do not directly provide loans or make approval decisions; we connect you with members of our partner network.
The platform is useful in situations where you urgently need money, for example, if you have unplanned expenses or don't have enough money until your next payday. In such cases, you can use the app to find a loan that suits your needs.
Users can select terms, submit information, and receive a response from one of our partners. Some offers include the option to transfer funds to your card upon successful verification.
The main advantages of the MicroKlad service:
✔ Information is transmitted directly to the network of licensed microfinance organizations;
✔ No need to visit an office or collect documents;
✔ Transparent terms and open information about each offer;
✔ Flexible choice and quick response from partners.
All transmitted information is protected using industry security standards, including SSL encryption technology. We adhere to privacy standards and do not share your data with third parties without consent.
To successfully apply, please familiarize yourself with the following:
- The minimum repayment period for loans to a card is 91 days, with a maximum of 365 days.
- The annual interest rate will not exceed 32.5%. The base rate for using credit funds ranges from 6.00% to 32.5%.
- The interest rate for using payday loans varies from a minimum of 0.01% to a maximum of 0.01% daily.
- A penalty of 0.1% of the overdue amount is imposed for late payments, but the total penalty will not exceed 10% of the original online loan amount.
- Payday loans to a card do not incur any additional fees or charges.
Detailed interest rate calculation example:
1. Loans to a card - 10,000 rubles.
2. Loan term - 91 days.
3. The daily fee is 0.01%, or 10 rubles, which is approximately 3% monthly (calculated for 30 days) or 300 rubles per month.
4. Summing up all fees for 91 days, we get 900 rubles.
5. The total amount to be repaid is 10,900 rubles.
6. The APR, or full-term cost (FLC), expressed as a percentage is 32.5% per annum.
If you miss a payment deadline on a payday loan to a card, the penalty will be 0.1% of the total overdue payment each day, up to a maximum of 10% of the total loan amount.
Requirements: Age 18 to 65.
The platform is useful in situations where you urgently need money, for example, if you have unplanned expenses or don't have enough money until your next payday. In such cases, you can use the app to find a loan that suits your needs.
Users can select terms, submit information, and receive a response from one of our partners. Some offers include the option to transfer funds to your card upon successful verification.
The main advantages of the MicroKlad service:
✔ Information is transmitted directly to the network of licensed microfinance organizations;
✔ No need to visit an office or collect documents;
✔ Transparent terms and open information about each offer;
✔ Flexible choice and quick response from partners.
All transmitted information is protected using industry security standards, including SSL encryption technology. We adhere to privacy standards and do not share your data with third parties without consent.
To successfully apply, please familiarize yourself with the following:
- The minimum repayment period for loans to a card is 91 days, with a maximum of 365 days.
- The annual interest rate will not exceed 32.5%. The base rate for using credit funds ranges from 6.00% to 32.5%.
- The interest rate for using payday loans varies from a minimum of 0.01% to a maximum of 0.01% daily.
- A penalty of 0.1% of the overdue amount is imposed for late payments, but the total penalty will not exceed 10% of the original online loan amount.
- Payday loans to a card do not incur any additional fees or charges.
Detailed interest rate calculation example:
1. Loans to a card - 10,000 rubles.
2. Loan term - 91 days.
3. The daily fee is 0.01%, or 10 rubles, which is approximately 3% monthly (calculated for 30 days) or 300 rubles per month.
4. Summing up all fees for 91 days, we get 900 rubles.
5. The total amount to be repaid is 10,900 rubles.
6. The APR, or full-term cost (FLC), expressed as a percentage is 32.5% per annum.
If you miss a payment deadline on a payday loan to a card, the penalty will be 0.1% of the total overdue payment each day, up to a maximum of 10% of the total loan amount.
Requirements: Age 18 to 65.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
What’s new
Обновили приложение. Изменили дизайн и графику.
App support
About the developer
Raffi Murillo
raffimurillo6@gmail.com
Spain
undefined