10 best online loans at stake

Sometimes money is needed very urgently. And then microfinance organizations, which are quicker in their responses, come to the rescue. They answer much earlier sluggish banks. Allow you to quickly and easily get money on the card at any time of the day. Most of these companies process applications and send loans using robots. Therefore, now to get an online loan to the card is very simple. Moreover, most companies work around the clock and give out money almost without refusal.

But how to choose from thousands of MFIs that you can trust? We have compiled a ranking of the best online loans on the card, depending on the interest rate, credibility of the lender and reviews of real customers. With the help of the material, you can easily choose the most convenient MFI for yourself.

Top 10 best online card loans

10 QuickMoney

A fairly well-known and reliable MFI with many offline offices. Works and with customer service cards. To do this, there is the option "Turbozaym" for which you can get up to 15,000 rubles for a period of 30 days. And if you are a frequent client of MFIs, then you can apply for a FastCard from FastMoney and use it only. On her money is charged literally on a call. You can order a microloan with a size of up to 30,000 rubles and a period of up to 30 days on the company's card.

The total cost of a loan can vary from 0 to 803% per annum, which in terms of days will be 2.2%. There are some restrictions for customers. It is necessary to reach the age of 21 years, but at the same time be not older than 65 years. A permanent source of money and citizenship of the Russian Federation is also required. And for registration of the FastCard it is enough to reach adulthood and not have time to live to 75 years.

Despite the loyalty of the company, they do not approve of a loan in Faster Money, not everyone looks at the credit history and the current amount of debt. Judging by the reviews, the MFI sometimes refuses for existing loans, or if the history was previously spoiled by delinquency.

9 Pay P.S.

Microfinance organization that does not forget about helping others. Pay P.S. is actively involved in charity work - as part of the action “Help on Your behalf”, she sponsors the treatment and rehabilitation of children from seriously ill children. 100 rubles from each loan taken under the action is sent for the treatment of children. In fact, each client joins the common cause.

New customers can get from 3,500 to 11,000 rubles. Repeated loan is already limited to 30,000 rubles. You need to return the money in the period from 6 to 25 days. The total cost of the loan varies from 365 to 693.5% per annum. For registration of the loan you will need a passport and SNILS. In addition, the applicant must be of age and have a steady income. Regular customers can count on 1% per day, and new - only 1.9%.

For the extension of the loan additional fees are not charged - you will only need to cover interest. In reviews, customers sometimes write that after the extension of Pay P.S. no longer wants to give them loans. In addition, the MFI is attentive to customer solvency and tries not to work with those whose credit history is corrupted.

8 Joy money

Reliable MFI, which is great for people with bad credit history.The client can take the first loan up to 7000 rubles at 0%, but only if the term is no more than 10 days. New customers can not get more than 8,000 rubles for a period of 30 days. The old ones have a limit of up to 60,000 rubles. If you want to take a large loan of 30,000 rubles, the term will automatically be increased to 10 weeks. The maximum is 18 weeks.

The percentage starts at the minimum for the MFI 0.9% per day. The maximum organization can set 792% per annum, or about 2.16% per day. To receive money, you must provide the SNILS in addition to a passport. The age of borrowers ranges from 23 to 60 years. But the loan is approved by almost everyone who has provided the necessary documents and fits into the framework of age.

You can extend the term of the loan for another 30 days, if you pay the interest accrued. The MFI is convenient in that it allows you to open microloans, even if you already have a couple of loans or another loan. Not to mention the sad banking past. So you can get a loan with almost no failure.

7 Mani man

Convenient company for both small and relatively large loans. The first loan in the company give no interest. But to take more than 10,000 rubles for 5-15 days will not work. If you need more time to return, you can extend the loan period to 30 days. But then the action will not work. Clients with a history can borrow any amount, including long-term loans from 10,000 to 80,000 rubles for a period of 10-18 weeks. You can extend the return period and get up to 4 weeks extra.

There are six lending programs. Each one has a fixed minimum percentage, varying from 0 to 1.9%. The minimum amount is 1500 rubles. The rate can rise up to 2.2% per day. Regular customers are available rates from 0.8% per day. In such circumstances, the annual rates range from 292 to 803% per year, if it was not possible to take a loan at 0%. Also specified penalty for late payment in the amount of 20% of the amount.

The presence of a permanent job, at least official, does not interest anyone - no one will be engaged in verification. No references and copies of documents are required. Reviews of the company are very controversial. Someone swears for the incorrect work of the call center, and someone likes the speed of decision making and the convenience of the site as a whole. Clients write that MFIs can refuse if there is outstanding debt or if the credit history is completely bad.

6 Konga

MFIs with an elaborate system of tariff plans for regular and new customers. Kong allows you to borrow from 2,000 to 20,000 rubles. The term varies from a week to a month. A citizen of the Russian Federation who has reached the age of 21 and provided a passport can take money in Kong. Money is charged instantly after processing and acceptance of the application, which rarely takes more than 5 minutes. The full interest rate is specified in the contract and ranges from 302.95 to 817.60% per annum.

There are four tariffs, each with certain features and limits. Start is designed for new customers and allows you to take from 2,000 to 8,000 rubles at 1.8% for standard terms. Plus opens the opportunity to borrow up to 14,500 rubles. Premium raises the bar to 20,000 rubles.

VIP rate is special - it allows you not only to get a loan below and above the limit (from 100 to 20,400 rubles), but also to increase the terms of use (from 5 to 90 days), reduce the percentage (from 0.77 to 1.9%) and even do not pay interest at all. If you have time to return the money in 5 days, the interest will not accrue. VIP also allows you to extend a loan for free, which is not available for other rates But before each tariff it is necessary to “rise”: to close a certain number of loans and fulfill the tasks of the MFI.

5 CreditPlus

Online loan on the card with sparing interest and "discounts" for regular users. Conveniently, you can apply for a loan online or, if you are uncomfortable, just call the organization. Issued in KreditPlyus possible amount from 1000 to 30,000 rubles. The loan can be taken for a period of 5 to 30 days.The rates for the year in the company range from 0.39 to 2.15% per day, depending on the type of product. That is, from 142.35 to 784.75% per annum. Get a loan can people aged from 22 to 75 years.

With the first appeal, the MFI will only receive 17,000 rubles. There is more loyalty to regular customers - reduced interest rates and increased credit limits are offered for them (up to 30,000 rubles for a short period and up to 50,000 rubles for a long one). A person "from the street" can only take 17,000 rubles for 30 days or 30,000 rubles for longer periods. In addition, interest is gradually reduced to regular customers.

Interestingly, CreditPlus gives cashback to responsible customers who pay loans on time: they promise up to 6% for return on time. But this applies only to microloans of up to 30 days. Extend a microloan if you do not have time to repay it, you can no more than five times. Conveniently, in some cases, the interest rate may be zero - for example, during stocks.

4 Metrocredit

Young company incorporated in April 2017. The first loan can take up to 15,000 rubles for a period of 30 days. Regular customers can take up to 30,000 rubles at the same time. The interest rate per day is fixed at 1.5%. That is, 547.5% of the year will come. There is a “Give back how many took” action for new customers, which implies an interest-free microloan. But in the reviews, some people write that you can take a regular loan instead of an action loan, and as a result you also have to pay interest.

Customer requirements are higher than other lenders - you need to have a more or less decent credit history in order to get a loan. To obtain require only a passport. The client must also not be under 18 years old. The first loan can be obtained in 5 minutes - it takes exactly the same amount to check the application. Repetitions are approved instantly and around the clock. So it is convenient to get a loan here urgently.

You can transfer the date of refund. But for the transfer will have to pay a fixed amount in percentage. For an extension of 14 days, you will need to pay 25% of the debt, and for an extension of the term of 30 days - 39%. The interest calculation stops for these days, which is logical - they have already overpaid for the transfer.

3 LIME

Lime Loan is a convenient MFI with an interesting loyalty program for regular customers. It allows you to get even a rather large loan for any needs. The maximum amount is 70,000 rubles. You can return it in time to 5 months. But only from the second loan: the first time a client can issue no more than 30 thousand rubles.

The interest rate is kept at 1.8% per day (657% per annum). From the documents you need to provide only a passport. Approve applications in Lima only about 65-70% of cases. Loans are issued to people aged 21 to 65 years. Extension of loans available to all and in unlimited quantities. Naturally, you will have to pay extra for additional days of use.

The company has a loyalty program: the first microloan in Lime is free, the rate for users will be 0%. But if the client takes a loan in the amount of 20,000 rubles, or for a period of more than a month, the promotion does not work, and you have to pay interest. But it will be necessary to repay loans on time and periodically take at least 2000 rubles from an MFI for a period of 10 days or more. Permanent borrowers can count on benefits: at repayment of 3, 6 and 9 loans a discount of 20, 35 and 50% is given, respectively.

2 Honestly

Reliable MFI for those who do not need large sums of money, but who are pleased with the good attitude of the company. You can get in debt from 3,000 to 10,000 rubles. They must be returned in time from 5 to 30 days. The interest rate is standard for most MFIs: 2.2% for new clients, with a gradual decrease of up to 1% for platinum borrowers.

"Honest Word" does not require guarantors or a pile of documents. You only need to provide a passport and meet the minimum requirements (citizenship of the Russian Federation and the age of 18 to 75 years). It is also necessary to have a source of income. But not necessarily official - you can work anywhere, as long as there is money.

The MFI has a bonus program for regular customers. With its help, you can significantly reduce the cost of processing and repayment of the loan - you can get a free extension or a certain discount. Points are awarded for invited friends and timely payment of debts. Each repeated appeal increases your rating as a borrower. And along with the rating, the possibilities of working with the company are growing. If you get to Platinum status, you can borrow 30,000 rubles from Honestly at a reduced rate of 1% per day.

1 Timer

The loaner is considered to be almost the most unpretentious MFI - it gives loans with little or no refusal, regardless of the credit history and the availability of permanent earnings. With the help of the company, it is possible to significantly improve loan repayment statistics in order to receive money already in banks - the robot itself will report to the CII that you are a responsible borrower and have paid everything. You can borrow from Zaimer from 2,000 to 30,000 rubles. Dates range from 7 to 30 days. Clients can become citizens aged from 18 to 75 years.

The minimum interest rate in the Zeimer is 0.66% (240% per annum). The maximum is 2.28%. Or 832% per annum. You can request a loan extension if the need arose, and then the debt will not be overdue. So, no sanctions will follow. Remember that in case of delay a penalty is charged 2.28% per day for each day of the contract.

A loaner is practically the fastest lender among MFIs. He is the best for those who need money urgently. The robot checks the application, analyzes the situation and makes a decision in just 4 minutes. Then instantly transfers money to the client's account. And you can get a loan around the clock and on any day - even at midnight on Sunday. Constant customers have to wait even less.

Popular vote - which MFI is best for online card loans
We vote!

Timer

Honestly

LIME

Metrocredit

CreditPlus

Konga

Mani man

Joy money

Pay P.S.

Fast money

Total votes: 1

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