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raydream

About this app

Using the application, you can leave an online application for a loan to a personal bank card, pay or extend an existing loan, obtain the necessary information from operators, view all documents and transactions performed under the current loan agreement.

To obtain a loan, you must meet the following conditions:
- The minimum loan repayment period is 60 days;
- The maximum loan repayment period is 364 days;
- The maximum annual interest rate, which includes the loan interest, as well as all other commissions and expenses for the year (APR) is 32%, and the minimum is 1%. Annual interest for using the Credit - min 1%, max 32%.
- The minimum rate for using a loan per day is 0.01%;
- The maximum rate for using a loan per day is 1%;
- Penalty for delay: 0.1% of the amount of delay per day, but not more than 10% of the loan amount
- Other commissions or fees: none
- In case of a long delay in payment, the information will be transferred to the BCI
- Extension of the loan is possible with the timely notification of the lender and payment of interest for the primary term of the loan, there are no additional fees for extending the loan

An example of calculating the interest rate:
- The amount of the loan body is 20,000 rubles.
- Loan term - 60 days.
- Commission for using the loan: 0.12% per day, that is, 24 rubles per day, or 3.60% for 30 days, i.e. 720 rubles for 30 days.
- The total amount of the commission for 60 days will be: 1440 rubles.
- The total amount to be returned, taking into account the loan amount: 21,440 rubles.


Borrower requirements:
- age from 18 to 65 years old;
- passport of a citizen of the Russian Federation.