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Softzaim

About this app

Need money urgently? Install the Softzaim app—get fast online loans and microloans directly to your card without visiting a branch. Interest rates range from 0% to 292% per annum. All new clients receive their first loan commission-free, and subsequent loans are issued on favorable terms. Want to get a microloan online in just a few minutes? Fill out the application, and the money will be deposited directly to your card. We are a licensed microfinance organization: we offer a convenient, reliable service without unnecessary formalities.

The Softzaim app was created to help you get money online from the comfort of your home. We offer online microloans from 3,000 to 100,000 rubles, with instant credit to your bank card.

We are an officially registered microfinance organization and operate under transparent conditions: no hidden fees, a simple interface, and a quick decision on your application. Your first loan is interest-free (APC from 0% to 292% per annum), and you can apply directly from your smartphone.

Why choose Softzaim:

Quick registration and minimal application fields.
Instant crediting – amounts up to 49,999 rubles are credited immediately after approval, and amounts from 50,000 to 100,000 rubles are credited within 4 hours.
First loan with no overpayments – 0% commission for new clients (APC from 0% to 292% per annum).
Completely transparent terms – the amount, term, and payment amount are visible in the app at every step.
24/7 support – operators are available 24/7 and will help you at any stage.
Flexible terms – you choose the loan term and amount.
Reliable data protection – we use modern encryption technologies.

How to apply for a loan through the app:

Download and install the app.
Register and provide your basic information.
Choose the right offer based on amount and term.
Get approved—the money will be deposited online onto your bank card.

We value your time, so all online loans to your card are processed remotely, without in-person meetings or office visits. Funds are transferred to any payment system—Visa, MasterCard, or MIR. Need money until payday or a small sum urgently? We'll process your loan quickly, without unnecessary questions or verification.

The app is perfect for those looking for:

microloans to your card without income verification,
payday loans without guarantors,
online loans to your card at any time of day,
funds for any purpose until payday.

We offer not only simplicity and speed, but also reliability, proven by years of experience. All terms are posted openly, without fine print. You can monitor your payments and history in your personal account.

You can repay by card, terminal, or bank transfer—choose your preferred method. With each payment, you improve your credit history, opening up access to more favorable terms in the future.

We provide online microloans directly to your card without unnecessary checks or overpayments. Want to get a microloan online quickly? Simply download the app, submit an application, and the money will be transferred to your bank card.

FULL COST OF LOAN (FCC):
From 0 to 292% APR.
TERM:
Up to 365 days.
NO PENALTIES OR FIRES ARE ACCRUED in case of late payment.
EXAMPLE COST CALCULATION:
Interest Amount = Amount × Period × (Rate % / 100)
Repayment Amount = Loan Amount + Interest Amount
IF THE LOAN IS NOT REPAID ON TIME:
Interest for late payments is calculated at the same rate as specified in the agreement.
Formula:
Late interest amount = Loan Amount × Number of days overdue × (Rate % / 100)
TOTAL AMOUNT TO BE RETURNED IF OVERDUE:
Loan Amount + interest for the loan term + interest for days overdue.
MAXIMUM INTEREST LIMIT:
The total interest amount cannot exceed 130% of the loan amount.
COMPANY INFORMATION
OOO MKK "Opal"
OGRN: 1257700572810
Certificate of the Central Bank of the Russian Federation, number in the MFI register: 2603045010222 dated February 9, 2026
Loans to your card from 3,000 to 100,000 ₽, 24/7 support, and convenient repayment. Softzaim offers fast online loans and online microloans with simple terms.

Review all loan terms. Assess your financial capabilities and risks.

What’s new

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