Moneyman microcrediting service. Reviews, advantages and disadvantages

Recently, the microcredit market has grown to unprecedented levels. If earlier we could not have thought about taking out a loan outside a bank, but from a commercial company, today everyone understands the advantages of microloans.

What is microcredit?

Initially, microcredit was born in the late 80s in Belgium. The concept of such loans is that by simplified criteria a candidate for a loan is selected, to whom a small amount is given for a short period of time. At the same time, a loan is issued to a borrower at a very high interest rate, which brings a fairly high profit to the lender (sometimes microcredit rates reach 400% per annum).

We have microloans appeared relatively recently, in the late 90's. They were issued by private organizations, which do not need to receive a banking license for such activities. The microcredit niche was rather quickly occupied by a huge number of companies. Some of them work to this day.

The very concept of microloans is beneficial to both the borrower and the lender. The first can, in the shortest possible time and without the need to collect a large package of documents (as in a bank) to get money for small expenses; The second in a rather short time gets a high profit. At the same time, the risks of the company distributing loans are minimal, since the amounts that are given as a loan are usually not so high.

New direction. Microloans on the Internet

With the development of registration of loan applications on the Internet, microloans could not but develop here. Now there are a lot of companies that either accept the debtor's data through the network and check them online, or they give out loans in a non-cash form using the largest payment systems to date. For example, one of the famous companies can be called Moneyman. Customer testimonials indicate that this form of loans is very convenient and beneficial, because it significantly simplifies a number of procedures and saves time for people. And the statistics of the system work proves the popularity of the service and its growth.

Yes, the question arises as to whether the creditor company is risking issuing loans online. In fact, all about Moneyman reviews (who took loans here, also confirm this information) say that the abyss with money is not so simple. Before signing a contract and getting money, employees carefully check your identity. So do not think that you can hide so easily.

About Moneyman.ru. Reviews of the company

Speaking specifically about the above-mentioned Moneyman company, the reviews about it are quite positive. Here the clients are offered quite flexible conditions: 5 tariff plans, each of which assumes different terms of loan repayment, and, of course, different amounts of funds that can be taken. To make it clearer: for example, the minimum tariff "Start" provides for a loan for a period of 5 days to 1 month for up to 8 thousand. "Superturbo" allows you to get no more than 30 thousand, which are issued for a period of 8 to 16 weeks. Thus, the company gives the customer a choice when exactly to repay the debt and in what size.

At the same time, as confirmed by Moneyman reviews, each of the tariff plans assumes a different interest rate (it varies from 1.1 to 1.3 percent per day). While your balance remains in arrears, it will be charged the specified percentage daily.

How to choose a loan plan?

Of course, at first glance, it may seem that the larger the loan amount, the better. However, the question of the size of the loan should be approached with the understanding that the more you take, the more you have to return. The interest that is accrued on the balance is given above. Terms, respectively, will also increase. Analyzing loan plans, it can be easily understood that the company protects its profits by making a minimum repayment period for larger amounts. Thus, even if you want to take a large amount for a short period of time, you can not repay the debt before.

Requirements for candidates

Now what people so often mention, leaving their own about Moneyman reviews. Negative moments are restrictions on age and citizenship. If you are under 18, and you are not a citizen of the Russian Federation, you will not get a loan. In other cases, a loan from the company Moneyman is quite affordable for you. To issue it, you will first need to go through the verification of contact data and sign an offer. After that, according to the website, the money comes in as short a time as possible (if on "Yandex.Money" or bank card, then instantly). I'm glad that Moneyman reviews confirm this. And most of them, by the way, are positive.

Why contact Moneyman? Loans to payday loans

Someone may think that making deals on such terms as described above is unprofitable initially. It is logical, because loans with an interest rate of 400 percent per annum - it's too expensive. Is it not easier to formalize a consumer loan in a bank at 30-40 percent?

As practice shows, it is not at all easier. When making a loan in a bank, each borrower must undergo a number of verification procedures: bring documents, provide references from the workplace and so on. In the event that you want to buy an apartment or a car, such actions are completely justified. And, say, if you do not have a small amount for a week, just to "hold out" to your salary, then it's unreasonable to pass all these checks for such a small amount. It's easier to make it faster and easier. For this, microcredits are needed.

You are sure that you can easily pay off the debt after the receipt of income, after 1-2 weeks. You understand that there are no barriers to getting money. In addition, you get everything online, that is, you do not need to go for cash. Agree, in this situation, services like Moneyman are real financial assistants. The testimonials of grateful customers confirm this.