FixPay

FIXPAY FINANCE MICROCREDIT COMPANY LLC

About this app

FixPay is a service that allows you to pay for online purchases in installments, even if you don't have enough funds, and also receive cash loans for personal needs. You can apply for a loan to pay for goods, receive funds in a bank account, or use an installment plan. Payments under contracts are made in installments according to a customized schedule.

Key advantages:
• Fast decision. Applications are processed in 2 minutes.
• Online application. No office visits—everything is online.
• Flexible terms. Loan terms from 90 to 365 days.
• Transparent terms. No hidden fees, all terms are in the contract.
• In-app control. Payment schedule, contract history, notifications, payment by card or through the Fast Payment System.

How it works:

To pay for purchases:
• Select a product on the online store website.
• Place an order and fill out the form.
• Choose FixPay from the available store partners.
• Review the terms and sign the documents online.
• Receive the goods (settlement with the store is handled by FixPay).
• Make payments under the contract and manage them in the app.

To receive a cash loan:
• Submit a loan application in the FixPay app.
• Specify the amount and term.
• Review the terms and sign the documents online.
• Receive funds in your bank account.
• Repay the loan according to the schedule and manage your payments in the app.

Client Requirements:
• Russian citizenship. • Age 18 and older.
• Russian passport (required when submitting the application).

Consumer Loan Terms:
• Loan amount: from 5,000 to 100,000 ₽.
The loan amount from a third-party source may differ from the app's limits.
• Loan term: from 90 to 365 days.
• Maximum Annual Percentage Rate (APR): from 0% to 292% per annum.
• Total Cost of the Consumer Loan (TCO): from 11.78% to 292% per annum, depending on the results of an individual credit assessment of the Client and the loan type.
• Maximum Overpayment: no more than 100% of the loan amount.

Example of calculating the cost of a consumer loan:
• Loan amount: 10,000 ₽.
• Loan term: 180 days.
• Interest rate: 57% per annum.
• Total Cost of the Consumer Loan (TCO): 57% per annum.
• Frequency and number of payments: 6 monthly payments.
• Payment amount: 1,955 rubles. • Total repayment amount: ₽11,730, including ₽10,000 principal and ₽1,730 interest.
(The calculation provided is an example. The actual terms, amount, and frequency of payments are determined by the agreement.)

About the service and financial institutions:

The application is provided by FixPay IT LLC (OGRN 1257700347475). Website: https://fix-pay.ru. Loans and installment services are provided by FixPay Finance LLC (OGRN: 1207700235863, INN: 9709063230, MFI register No. 2003045009653, installment operator since April 1, 2026). Address: 129626, Moscow, st. 1-ya Mytishchinskaya, 3, building 1.
Maintenance of existing agreements: The app allows you to cancel installment agreements concluded before April 1, 2026, with FixPay Fintech LLC (OGRN 1257700347409). New agreements with this company cannot be concluded.

Support: 8 [phone], [e-mail]. Data processing: Agreement information is transferred to the Credit History Bureau (Federal Law 218). Personal data is processed in accordance with Federal Law 152. Privacy Policy: https://fix-pay.ru/legal/politika-personalnyh-dannyh/

Download FixPay — pay for purchases in installments and get loans online!

What’s new

В этом обновлении мы улучшили стабильность работы приложения, повысили производительность и внесли ряд улучшений.