Online loans: reviews. Loans online without a refusal around the clock

Lack of money is a problem that absolutely all people face. Several years ago, it was decided when applying to banks for a loan. Borrowing money was not an easy procedure, because it was required to provide papers confirming financial prosperity, to seek out guarantors. Now this process has become simpler. There are a lot of microfinance organizations that issue money in debt as quickly as possible via the Internet. Let's look at the merits of online loans, reviews about them and some microfinance organizations.

Advantages of receiving money on the Internet

Online loans several years ago entered our life. However, some people are still afraid to borrow money via the Internet. And in vain. Instant access to online loans is characterized by several advantages:

1. To apply, you do not need to get out of work, spend time looking for an office. On the Internet loans are issued around the clock. At any convenient moment, you can fill out an application and send it for review.
2. About the decision, microfinance institutions in most cases are reported as quickly as possible. Sometimes people are called back by managers to clarify some information.
3. Loans issued on the Internet are issued to the card. Some microfinance organizations allow you to receive money on an electronic wallet or in cash.

Making an online loan online is safe. Of course, scammers exist. But in order to not face them, you need to carefully choose the company. There are many microfinance organizations that are time-tested, have a good reputation and a huge number of positive feedback written by regular customers.

The influence of credit history on the decision to grant a loan

Microfinance organizations attract both conscientious clients and those people who are disadvantageous to banks. This is confirmed by the opinions of people with a bad credit history. In banks, such individuals are constantly denied loans, and are often approved in MFIs. They make such microfinance organizations in order to compete with banks.

It is also worth noting that in the MFI, when the first appeal to problematic potential clients, special programs are offered to correct the credit history. Their essence lies in the issuance of a small amount of money for a certain period with the return of funds on a certain schedule.

Issuance of money to a bank card

And now let's talk about ways to get money. The most basic of all is the transfer of online loans to the card. Practically in all microfinance organizations this method is available (in such companies as "Honest Word", Kredito24, "Turbozaim", etc.). The money is transferred only to the cards owned by the borrowers. Microfinance organizations refuse to send funds to virtual cards.

Loans online on the card come, as a rule, almost instantly. Sometimes there are delays, but they are associated not with poor performance of companies' duties, but with the work of banks, their rules, the load.

Transfer of loans to electronic wallets

In order for online loans to be as user-friendly as possible, many microfinance organizations have expanded the number of standard ways to provide money. If earlier the funds could be received only on the card or in cash, now people are given the opportunity to order transfers to their electronic purses (for example, "Yandex.Money", "Kiwi").

On electronic purses money is always transferred instantly. After admission, people can spend them anywhere: on making purchases through the Internet, transferring funds to other wallets or cards, paying off debts in banks and microfinance organizations. Which MFIs offer urgent loans online for an electronic wallet? Here are some of them:

• Vivus;
• Platiza;
• OneClickMoney.

Features of obtaining loans for electronic wallets

Quick loans online, issued by microfinance organizations, can not get every owner of the electronic wallet. This is worth considering. The MFI has one requirement. It consists in the fact that the electronic wallet should be identified. Identification is a simple procedure. It can be passed in different ways. They depend on the rules established by the system of electronic money. For example, to make an identified purse in Yandex.Money, you can contact:

• In the Savings Bank;
• To the offices of Yandex.Money;
• In the salons of Euroset;
• In items of the CONTACT system, etc.

Why do microfinance organizations require identified electronic purses and do not provide loans online without checks? This condition allows them to be sure that they send money to the person who is being loaned to, and not to a fraudster trying to get money to his account.

Microfinance organizations with a high percentage of approval

Having a bad credit history is not an obstacle to obtaining a loan. Many microfinance organizations tend to meet clients and issue loans online without refusal. To MFOs with a high percentage of approval are:

• EKapustu;
• "Seymour";
• MoneyMan.

However, even in the listed companies, people are sometimes denied. The reasons for this are often the provision of knowingly false information about yourself, an incorrectly filled application, a request for too much money on the first appeal. And now let's take a closer look at the above-mentioned organizations.

Acquaintance with eKapustoy

A fairly popular service on the Internet is eKapusta. The creators of the resource claim that instant loans are provided online. These words are not fictitious. They are confirmed by users who leave feedback about eKapust. People testify that decisions on loans are taken really instantly and automatically at any time of the day or night.

In addition to fast work, eKapusta has many advantages. This is a convenient interface, and the transfer of money to any account. Loans are available ranging from 100 rubles to 30 thousand rubles. The term of giving money is from 7 days to 21 days. Until the end of the term, a loan extension for the required period is available. This service is allowed to use an unlimited number of times. In case of delay, it is possible to pay off the debt in installments.

More about "Seizer"

No less popular is the "Seymour". This is an automated service, a robot that gives out to the appealing users practically without a refusal loans online 24 hours a day, without holidays and weekends. He analyzes the received applications within 1 minute, and then makes decisions.

The minimum amount that is received in the service is 1 thousand rubles, and the maximum - 30 thousand rubles. Loan term users choose at their own discretion - from 7 to 30 days. It is also worth noting that the "Seimer" has one feature that many microfinance organizations do not have. The robot approves a certain amount - a limit. The user can use it in full or in part. The latter option means that within the established limit you can get several loans.

Information about MoneyMan

MoneyMan is another instant online loan service. In it, people very quickly receive money in debt. It takes no more than 10 minutes to complete the application, and the company takes about 1 minute to make a decision. No income statement is required. The service makes a decision based on only that information, which is indicated by the borrower.

With the approval of the loan, money can be instantly transferred to the electronic wallet "Yandex.Money". There are other ways of obtaining. These include cards of Russian banks, bank accounts. The MFO is sympathetic to its clients, so if there are difficulties in returning to the MoneyMan service, people are given the opportunity to avail of the extension for 7, 14 or 28 days. If necessary, you can apply for restructuring.

Online loan for Kiwi wallet

Some people use the Kiwi-wallet. It is not very common in comparison with other wallets, but despite this, microfinance organizations have included it in the number of ways to get money from borrowers. Among these MFIs is "Lime-Loan". Money is given to customers in debt without certificates and guarantors. However, the issuance of loans online without checks is not complete. The solvency of the circulating people is determined through the credit history bureau.

Service "Lime-Loan" offers several tariffs. They differ in the size of the minimum and the maximum available amounts, terms, interest rates. The tariff is determined automatically for each customer. With the approval of the loan money can be withdrawn to the "Kiwi" purse. However, there is one condition. The phone on which the personal cabinet is fixed in the service "Lime-Loan" must coincide with the number of the electronic wallet.

It is also worth noting that another condition for obtaining an online loan for the "Kiwi" purse is the availability of a MasterCard or Visa card from a Russian issuing bank. It is indicated when making a loan in the application for identification of the borrower, regardless of the chosen method of obtaining money. Thus, a card is necessary even for those borrowers who plan, after approval of the application, to order the transfer of funds to an electronic wallet.

Reviews about loans online

There are a lot of proposals on the microfinance services market, so the reviews are different. In general, online loans, according to people, are very convenient. You do not need to go anywhere, collect documents. Through the Internet, you can immediately send several applications to different organizations and wait for the decision.

The main disadvantage of online loans, according to people, is high interest rates. Unfortunately, it can not be otherwise. High interest rates in microfinance institutions are due to the high risks that accompany this type of activity. According to some experts, every second client is problematic. Someone delays paying the loan for a few days, and someone maliciously shies away from the return of the money received.

Negative feedback about online loans is left by the debtors. The fact is that some companies are rude to their problem customers. Some debtors talk about boorish attitude towards them, about threats. In order not to prove to be in such situations, it is recommended to approach the issue of choosing a service for obtaining money more competently. Prestigious microfinance companies do not allow themselves such an attitude. They try to help people, they offer restructuring programs.

When choosing a service to receive loans online without refusal, you should read all the reviews, because you can make a mistake by ignorance. The fact is that there are a lot of scammers on the Internet that you can face. According to the reviews, one can understand whether the chosen microfinance organization is decent, whether it is trying to find compromise solutions for its clients who find themselves in difficult financial situations and who lose the opportunity to repay the loan.