Convenience and speed of small loans made micro credit institutions very popular in Russia. In 2017, their number about the whole country exceeded 3 thousand units. Competition in this area has become very large, for this reason, some firms provide the most favorable conditions to their customers in order to attract a large audience and, of course, to get more profit. With such a variety of proposals it is necessary to know the rating of microfinance organizations 2016-2017 .In this article, the companies with the most favorable loan conditions are represented.
10
Seymour
Zaimer - This organization, perhaps, is currently leading in the micro loan market. The main difference from other organizations is a low interest rate: it is only 0.63% per day. For example, the average firm has a rate of 1.50%.In addition, the universality of issuance is an exceptional feature. In addition to issuing money to well-known bank cards and electronic wallets, Zaimer transfers money to such systems as Payeer and other third-party accounts. Among the negative sides, perhaps, it is worth noting the mandatory binding of the bank card. In addition, to get a loan you need to be over 25 years old and have a salary of at least 35 thousand rubles a month.
9
MoneyMan
MoneyMan - is the most widespread organization that lends little money. Starting its activity in 2012, this company actively issues debts to residents of Kazakhstan, Georgia and even distant Spain. However, still the main activity is in the territory of Russia. The interest rate is not universal. Depending on the borrower, it can range from 0 to 1.85%.Its size can affect the credit history of the person, the availability of income, as well as the time and amount of funds received. In addition, the maximum loan amount for a specific person is also individually set depending on the data already mentioned.
8
Mig Credit
Mig Credit - is the very first MFI in Russia. Due to this, it has the largest network of branches and representative offices in the country. In addition, you can apply for a loan online. In general, money from this MFI can be obtained at 5,600 distribution points throughout Russia. An obligatory condition for approval in this firm is the availability of an official income of not less than 10 thousand rubles. In addition, a person should not have current loans in other organizations and not have a single delay in the history of obtaining loans. The loan is issued for a period of 3 to 30 days, with an interest rate of up to 1%, depending on the type of debt received. So, if a person first gets a loan with a one-time repayment, then the rate will be 1%.With gradual repayment for a longer period, it falls to 0.5%.
7
SMCFINANCE
SMFINANS - e is another liberal in this market. He issues credit exclusively through the Internet. Only a passport is required. The decision on the application is made instantly. All Russian citizens who have reached adulthood can receive money from this MFI.But unlike Credito 24, SMCFINANS differs by the average size of the daily interest rate on its loans. The funds can be borrowed for a period of 1 day to a month at a rate of 0.90 per 24 hours.
Feature of this organization is the possibility of obtaining a loan around the clock and even on weekends.
6
LOAN-LOAN
LIME-ZAIM( LIME ZAIM) - is another company operating 24 for 7, with the most liberal approach in the issue of debts. So, the loan can be issued here by persons who are citizens of the Russian Federation who have reached the age of 18.The loan is made online and a decision is made instantly. At the same time, the loan term is one of the largest in this market and ranges from 1 to 90 days at a rate of 0.8%.However, the loan amount is limited to 20,400 rubles.
5
PLATIZA
PLATIZA - is one of the well-known companies that issue funds for online applications. Works round the clock and seven days a week. The term for providing funds can be up to 45 days. Any adult citizen of the country can receive a loan of up to 30 thousand rubles at a rate of 1% per day. You can receive money within five minutes from the moment you apply in any convenient way.
4
Ekapusta
Ekapusta - is one of the oldest MFIs that works exclusively online from the first day of its foundation. A feature, perhaps, is the possibility of receiving funds without confirmation of income. The decision to issue money is made not by the manager, but by a specially developed program. In connection with these factors, for new clients, the company provides the first loan in the amount of not more than one thousand rubles. At the same time, without having a history of crediting and confirming earnings, it is necessary to indicate the telephone number of the employer. Each time the maximum amount will increase. It is very convenient for creating a credit history, as your data on loans in this firm are entered into the system. All persons who have reached the age of 21 can receive money up to 30 thousand rubles at an interest rate of 1.7%.Not the smallest rate, however, given the democratic nature of other conditions, is quite acceptable.
3
ONE CLICK MONEY
ONE CLICK MONEY - is perhaps one of the antiheroes of our rating. The conditions for obtaining an online loan are among the most disadvantageous among the leaders in this market. So, to learn the loan you need to have a permanent place of work. The amount of money can be no more than 25 thousand rubles at 1.8% per day. However, the loan is issued online and does not require confirmation of income. Also a plus is the possibility of obtaining a debt by all persons from 18 to 80 years.
2
Credit 24
Credit 24 - this MFO is the most liberal and democratic approach to its potential borrowers. A loan from this organization can be issued online without providing information about income. Any citizen of the Russian Federation aged 18 and over can receive the loan. However, the rate is simply huge.1.9% a day compared with other MFIs can be considered almost predatory. However, the availability of the service to almost everyone makes this service very popular. The loan term is from a week to a month, with the decision on the application taken literally in a few minutes.
1
TURBOZAYM
TOURBOZAYM is distinguished by the fact that it issues debts regardless of credit history. So, customers can use the history correction program, which allows you to reduce the percentage of refunds and delinquencies in history and clear it. But the conditions for issuing money are very conservative. So, a debt can be obtained only with confirmation of income. In addition, you must be between the ages of 21 and 65 years. And all this with just a gigantic rate of 2.1% per day. This MFI would not have entered the top 10 of this rating, if not for the credit history correction program, which is very helpful to people.
