Online service for the issuance of loans Maniveio: customer reviews

Everyone can be in a situation where money is urgently needed. Relatives, friends and acquaintances can not always help. One of the ways out is the application for a loan in the Maniveio service. What conditions does he offer his clients? Is not the service fraudulent? To answer these questions, let's look at what Maniveo is and what users say about it.

Introduction to the service

Limited liability company "Maniveio: First Financial Aid" is a company that provides loans to citizens of Ukraine. It has a special online service where you can apply for cash. The Internet resource allows you to get a loan at any time - and day and night, and on weekdays, and on holidays, and on weekends. To do this, you only need to apply online, by filling out a special form and specifying the bank card number.

New customers, who decided to use the loan for the first time, can be given a maximum of UAH 3,5 thousand. To constant users online service gives out loans up to 15 thousand hryvnia. However, not all new and old customers receive approval of the application. Some users are denied online service. If you receive a negative decision, do not worry, because the application can be submitted after a while. It is possible that a second decision will be different.

Service Benefits

Maniveo claims that it has several important advantages that distinguish it from other microfinance organizations. These include:

1. Service work throughout the day and night. You can apply for a loan in Maniveio at any time. The solution is received on the phone in the form of an SMS message in a few minutes. Such fast operation of the service is possible due to the developed automated system for processing applications.
2. Loans with low interest rates. The company strives to be loyal to new customers. It issues loans with low interest rates to those people who for the first time decided to use the services of an online service. The company states that for the first loan the interest rate is only 0.01% per day.
3. Providing discounts and bonuses. The company regularly holds various actions, in which any client can take part.
4. Possibility of prolongation of the loan taken. Every person in life can have events, because of which he can not repay his debt completely. In such situations, the Maniveo company offers prolongation. The essence of this procedure is to extend the term and pay only accrued interest.

What do you need to get a loan?

Not all people can take a loan in Manivejo. It is necessary to comply with several conditions that are established by the microfinance organization. First, credit can be issued only to adults. Juveniles under the age of 18 do not have the right to send an application.

Secondly, you need to have a passport and TIN. The information from these documents will need to be entered into a special form when registering a loan. A bank card is required. With a positive decision, money will be credited to it within a few minutes.

Third, you need to have a phone and an e-mail. The number and address also need to be entered in the corresponding fields of the online application. The customer's phone number and e-mail are required for the company to notify about the decision taken, to remind them of the need to make a regular payment, and the appearance of a delay.

Loan procedure

To obtain a loan in Maniveio, you must first determine the amount and the term. To do this is very easy, because on the home page of the microfinance organization there is an online calculator. When you specify the required amount and the most suitable time, the amount that will be returned is calculated. If the final result turns out to be inappropriate, you can change the amount and time. In this way, the most suitable loan conditions are selected.

After specifying the amount and term on the main page, you need to click the "Get a loan" button. From the online calculator will be made redirection to the page where the online application form will be submitted for filling. Each new user here specifies a surname, a name, a patronymic, passport data, numbers of INN and a bank card, some social information. After completing the form, the application is sent and awaiting a decision.

Providing a photo with a passport in hand

The procedure for obtaining a loan in Maniveio includes the provision of a photograph with a passport in hand. This is necessary to ensure that the company can find out whether the documents are from fraudsters who want to apply for a loan to another person, and to receive money in exchange instead.

Before you take a photo, you need to find out the code phrase. She will need to write on a piece of paper and take a picture with her and her passport. A code word is reported in advance by a support specialist.

Card verification procedure

Filling in an application is not the only step in the procedure for obtaining a loan, as evidenced by the feedback on the Maniveio loan. To transfer money, the card is verified. The essence of this procedure is to block a small amount on the card, not exceeding 1 hryvnia. To prove that the card does not belong to a stranger, you need to indicate on the website of the microfinance organization a blocked amount. The combination of numbers will be a verification code.

Find out the size of the blocked amount is very simple. There are several ways:

• Call the hotline number of the bank;
• Use Internet banking;
• To look in the SMS-message (if the notification service is connected).

Receiving the money

The procedure for verifying the bank card is completing the loan. After the introduction of the verification code, it remains only to wait for the decision on the sent application. In case of refusal, information about the client is stored in the personal account. After a while, you can resend the application for review.

With a positive decision, customers are invited to familiarize themselves with the terms of the contract. You can read them either in your personal account, or in an email sent to the specified mail address. When accepting the terms of the contract, the money is immediately transferred to the bank card. In some cases, there are small delays. They have nothing to do with the online service. The reason for the delays is the rules of the bank in which the card was opened.

Loan Repayment

Money for a loan company "Maniveo" is issued for a period of 1 day to 30 days. At the end of the period, you must pay the entire amount with interest accrued. With the availability of money, you can repay the loan in Maniveio in several ways:

1. With the help of a bank card. You can select this method of payment in your account. Money is written off from the balance sheet. An appropriate notification of the financial transaction is sent to the phone and to the e-mail address.
2. Through the application "Privat24". You need to enter the Internet banking for payment.
3. Through payment terminals belonging to the networks of "PrivatBank", EasyPay, City 24, etc.
4. With the help of a bank transfer, made from any branch of the Ukrainian bank. But it's best to contact PrivatBank. He greatly simplified the procedure for accepting payments.

Delinquency and consequences of non-payment

The delay in payment entails negative consequences for the client. That's what will happen if you do not pay Maniveio:

• First, the interest rate on the loan will increase to 3% per day;
• Second, the credit history will deteriorate (in the future, because of the delay, they will refuse to issue loans and loans);
• Thirdly, the collection process will begin (the company constantly calls at the number indicated by the client, if the client ignores the claims put forward, the right to collect the debt is transferred to third parties).

Partial redemption, prolongation, restructuring

If you can not repay the loan, and you want to avoid negative consequences, it is recommended to use the prolongation on the "Maniveo" service. For its registration, one important condition must be observed: the interest accrued at the time of making money must be paid.

Prolongation of the loan, as evidenced by feedback on the "Maniveio", is made out in a personal account. Also this service is available in the branches of "PrivatBank", self-service terminals. When extending through third-party services, the loan is automatically extended for 30 days. But in the personal cabinet the length of the period can be determined by the user - from 1 to 30 days.

At the onset of the delay, the online service offers users to take advantage of the restructuring. "Maniveo" the existing debt is divided into small amounts, each of which the client needs to pay at a certain date.

Grace period in the Maniveio

People who are in a difficult financial situation and unable to repay the loan on time, Maniveo offers another opportunity (in addition to the extension). It's about the grace period. This term is understood as the extra time given to the borrower when the money is not returned within the specified period. In "Maniveio" this period is 3 days. If you have time to pay the debt in this period, the interest for delay will not be accrued.

You can not use the grace period to extend the loan term. The three-day period is still considered a delay in the Maniveio, although no interest is charged for it. Information about the grace period is passed to the credit history bureau. In the future, this may affect the decisions to issue new loans both in Maniveio and in other microfinance organizations and banks.

Positive feedback on Maniveio

Some of the feedback left by customers about the company contains positive opinions and assessments. Users note the following advantages:

• Availability of credit;
• Speed of registration;
• Lack of serious requirements for documents.

For some people, it is very important to quickly review the application in automatic mode and transfer money. This distinguishes Maniveo from other similar organizations, in which the duration of the transfer of funds can be prolonged for several hours or days.

Positive feedback on "Manivejo" is still left by those customers who like acting programs. For example, the company has a loyalty program. Its essence is to lower the interest rate to those users who become regular customers. Another program is the "Involve a friend." For each person who decided to use the service on the recommendation, monetary bonuses are accrued.

Negative feedback about Maniveio

There are also negative opinions about the company. Dissatisfied customers complain of high interest. Particularly frightened by severe penalties. Delinquencies on the loan lead to a significant increase in the total amount due for payment. Some users also complain that they after the delay paid a loan, but after a while they again started to receive messages about the need to make payments. Later, customers were informed that their debt was sold to another company. No calls to the Maniveio allowed us to clarify the situation. From calls, threats and extortions, I managed to get rid of only after contacting the police and the prosecutor's office.

In conclusion, it is worth noting that the decision to take a loan in Maniveio is a fairly important step. Before applying to this company, it is recommended to think carefully about whether it will be possible to repay the debt. If there are or are expected serious financial difficulties, then the loan is best not to take.