"Zaimi Prosto": feedback on obtaining microloans, interest rates and features

With the need to make unforeseen expenses, sooner or later every person faces. Where can I get money at such moments? The fastest and easiest option is to make a loan in the online service "Take it Easy". On this site, as assured by its creators, you can in a few minutes get the right amount on the card. Is it true? Which leave feedback on "Take it Easy"? The answers to these questions should be looked for.

History of the microfinance organization

"Just borrow" is not a company, but an online service created by the Parsa Kompani Group microfinance organization. It has been on the microfinance market since 2009. At the time of its foundation, it was a small company that could collapse under the influence of competitors. Nothing like this happened. Over the years, Parsa Kompany Group has become one of the leaders in the microfinance market.

To operate the organization was created on the Internet site. Its goals are to inform customers about the company's services and to provide users with online forms for sending applications for loans. The site has the function of creating a personal cabinet. It simplifies the procedure for using loans. Through him applications are sent, information about the expiration of the period of using the received money is viewed.

Advantages of online service

Use the site "Borrow Simply" conveniently:

• An application for a loan is issued in a convenient environment without visiting the office and waiting for your turn, without providing income statements;
• It takes several minutes to make decisions on the company's applications;
• Approved money is transferred to the account specified by the user in the application within 24 hours.

Reviews of the "Take it Easy" indicate that the online service is open around the clock. They can be used in the early morning, day and night. The work of the site does not depend on the holidays either. That's why clients get to the microfinance organization at a convenient time for receiving money.

Loan terms and conditions

Online service "Zaimi Prosto" gives users a small amount of money - from 3 to 15 thousand rubles for a period of 5 to 30 days. At the first appeal, as a rule, approve the minimum allowable loan. In subsequent appeals, the company's trust increases, and it increases the amounts approved.

The interest rate, judging by the reviews of "Zaimi Prosto", is 2.18% per day. To understand how big it is, here are some examples:

• When processing 3 thousand rubles for 5 days it will be necessary to return 3 thousand 327 rubles at the end of the term;
• If you issue the same amount for 30 days, then you will have to return 4 thousand 962 rubles;
• When processing 15 thousand rubles for 30 days the amount to be repaid is 24 thousand 810 rubles.

Making loans

A loan is made in the "Zaimi Prosto" service on the main page of the official website. The application includes 2 sections. In the first, the borrower specifies the basic information about himself - the surname, first name, patronymic, passport details, address of residence and residence, contact information (mobile and home phone numbers, e-mail address, link to social network Facebook, VKontakte or Odnoklassniki) .

In the second section of the application, the borrower, as evidenced by the testimonials of "Zaimi Prosto", enters information about the work in blank fields. If you have a source of income, you must specify the name of the organization, its address and contact information (phone number, website address), position, salary. After completing all the fields, the application is sent with an indication of consent to the processing of personal data.

Receiving money, returning and prolonging a loan

After some time after sending the application with the client, the manager of the company is contacted. It checks the correctness of the entered data. Then the company makes a decision. With the approval of the loan, the user is determined with the method of obtaining money. The company transfers only to settlement accounts in banks and to debit or credit card accounts.

Ways of repayment are much greater, as the customers indicate in the reviews of "Take Easy". You can return the loan:

• In the offices of any Russian bank;
• Through the Internet bank Promsvyazbank;
• Through the Webmoney system;
• Electronic money from the "Yandex.Money" purse;
• With the use of bank cards;
• Through the service "Sberbank Online", etc.

If there is not enough money to pay off the loan at the appointed time, then you can use the prolongation service. At interest repayment, the loan is extended for the required period (from 1 to 30 days). The funds for prolongation are deposited into your personal account in the ways listed.

Employee feedback

The company, as evidenced by the leadership, working true professionals in their field. They are not just employees, but like-minded people and associates. Experts are constantly working on the development of the company. They study the market, analyze the activities of competitors, implement the developed innovations. At the same time, specialists are engaged in self-development, they make high demands on themselves. Negative feedback from employees about "Zaimi Prosto" and about the company's work was not found. Probably, specialists working in Parsa Kompani Group and dealing with online services, suit all the conditions, the atmosphere in the organization.

Customer Testimonials

A lot of negative comments about the company "Zaimi Prosto" have been left. First, customers complain about a high interest rate. They say that it is better to go to the bank and arrange a loan than to contact the service "Take it Easy". Secondly, some clients had to wait a long time for the receipt of money on the approved application. The staff could not give an exact explanation. The calls were answered by different people and they spoke quite contradictory information - that is technical problems, then the transfer was sent, then the application for the loan is under consideration.

Often leave negative feedback about the "borrow simply" debtors. Employees threaten them, rude, they say unreliable information. Clients say that people working in the company call by phone, are represented by law enforcement officials and are invited to the police station to sign documents drawn up after the allegedly held court session. In the police, no one could clarify the situation. Nobody knew about any court and documents. After such cases, some clients write an application to the prosecutor's office.

Negative feedback on MFIs "Zaimi Prosto" is written by contact persons of borrowers. They argue that they began to be tormented by constant calls and messages when they had a debt from their friend, relative or friend who had issued the loan. Employees of the microfinance organization demanded the return of the debt, threatened by the fact that the departure of employees was planned. On requests to stop calls and send messages, they talked about the impossibility of deleting the number of the contact person from the database.

Tips for online service users

Before drawing up a loan, think about whether you will be able to pay the amount taken with accrued interest. In order to avoid problems in the future, you must have a permanent source of income, you should not have open court proceedings to recover existing debts.

If you find yourself in a difficult financial situation, contact the employee of the microfinance organization over the phone and extend the loan, paying only interest. If you ignore this, you will ruin your credit history. In the future, you will have problems with making loans and loans in other companies and banks. Also, you will increase the total amount to be returned in connection with the accrual of interest and penalties. Remember that you can only extend the microloan contract 5 times.

Specify reliable information about yourself if you are only going to apply for a microloan in "Take it Easy". The testimonies of people testify that all data are checked by employees of the microfinance organization. By indicating a lie, you can only spoil the situation. Deceptive novices are usually denied a loan after sending an application and talking on the phone.