Займы онлайн — Монета

arnas mazeika

About this app

Moneta is an app for finding large online loans directly to your card from licensed Russian microfinance organizations. Need a large loan? Compare offers from dozens of organizations and get up to 1,000,000 rubles directly to your card without visiting a branch.

💰 LARGE ONLINE LOANS UP TO 1,000,000 ₽
Moneta brings together microfinance organizations that issue not only microloans but also large amounts—up to 1,000,000 rubles. It's a convenient alternative to a bank loan: application is completely online, the decision is made in minutes, and the money is transferred to your card the same day. Suitable for home improvements, medical treatment, education, or other large expenses.

💳 MONEY TO A MIR CARD OR ANY BANK
After approval, the funds are instantly deposited to your bank card. Moneta accepts Mir, Visa, and Mastercard cards from any bank, including Sberbank, Tinkoff, Alfa, and others. You can also get a loan to an e-wallet or bank account. Transfers are processed 24/7.

🎯 HIGH APPROVAL RATE
Moneta's partner microfinance organizations (MFOs) consider applications even from borrowers with poor credit. No income verification, guarantors, or collateral are required—a passport is sufficient. The decision is made automatically, without calling your employer. Your first loan is available at 0% interest with no overpayments at many organizations.

📊 COMPARE TERMS ON ONE SCREEN
Instead of browsing dozens of MFO websites, open Moneta and compare everything at once—rates, limits, terms, and real customer reviews. One application is sent to several organizations simultaneously, and you choose the best of the approved offers.

👤 WHO IS IT SUITABLE FOR
Russian citizens aged 18 and over with a passport can apply for a loan online. The service is available to students, retirees, the self-employed, and those temporarily unemployed. Moneta will find options to suit your situation—from a small payday loan to a large, long-term loan.

✅ WHY MONETA
All organizations in the app are included in the Bank of Russia register. The service is completely free—searching is free, with no fees or subscriptions. Data is secure and not shared with third parties. The full loan cost is visible before applying—no surprises in the contract.

⚠️ Moneta is an independent financial aggregator and is not affiliated with any banks or microfinance organizations. All names and trademarks mentioned belong to their respective owners. Consider your financial capabilities before applying.

Example interest rate calculation
Loan principal: 20,000 rubles. Loan term: 100 days. Loan usage fee: 0.08% per day, or 16 rubles. per day, or 2.4% per month (averaged over 30 days), i.e., 480 rubles per month (averaged over 30 days). The total fee for 100 days will be 1,600 rubles. The total amount to be repaid, taking into account the loan amount: 21,600 rubles. The FLC (Full Loan Cost) as a percentage is 34.49% per annum.

Loan Terms
The minimum repayment period is 62 days. The maximum repayment period is 365 days. The maximum annual percentage rate (APR), which includes the loan interest and all other fees and expenses for the year (Annual Percentage Rate), is 32% and 1%. The annual interest rate for using the loan is a minimum of 1% and a maximum of 32%. The minimum daily interest rate is 0.01%. The maximum daily interest rate for using the loan is 1%. The late payment penalty is 0.1% of the overdue amount per day, up to a maximum of 10% of the loan amount. There are no other fees or charges.

Information on the consequences of late payment
In the event of late payment, the penalty amount is no more than 150% of the initial amount. This means that if the loan amount is 10,000 rubles, the debt cannot exceed 25,000 rubles.

What’s new

✅ Добавлены новые предложения по займам до 100 000₽
✨ Улучшена скорость одобрения заявок
🔐 Усилена безопасность передачи данных
⚡ Исправлены ошибки и повышена стабильность

Спасибо за выбор нашего приложения!