To receive a microloan online, it is enough to register and send an application from a computer or smartphone. No need to look for an office, stand in line, communicate with the manager and explain to him your difficult financial situation. Of the documents in most cases, only a passport is required. Sometimes it is necessary to present a second identity document, for example, TIN or SNILS. Income certificate and proof of employment are not required. Money can be received by transfer to a bank card, electronic wallet or money transfer. The whole procedure takes no more than half an hour.
Conditions for obtaining a loan:
The minimum loan repayment period is 62 days;
- The maximum loan repayment period is 365 days;
- The maximum annual interest rate, including the loan interest, as well as all other commissions and expenses for the year (Annual Percentage Rate APR) is 32%, and the minimum is 1%. Annual interest for using the Credit - min 1%, max 32%.
- The minimum rate for using a loan per day is 0.01%;
- The maximum rate for using a loan per day is 1%;
- Penalty for delay: 0.1% of the amount of delay per day, but not more than 10% of the loan amount
- Other commissions or fees: none
- In case of a long delay in payment, the information will be transferred to the CBI
- Extension of the loan is possible with timely informing the lender and payment of interest for the initial term of the loan, additional fees for extending the loan are not provided

An example of interest rate calculation:
- The amount of the body of the loan - 20,000 rubles.
- Loan term – 100 days.
- Commission for using the loan: 0.08% per day, that is, 16 rubles per day, or 2.4% per month (averaged for 30 days), i.e. 480 rubles per month (averaged for 30 days).
- The total amount of the commission for 100 days will be 1600 rubles.
- The total amount to be returned, taking into account the loan amount: 21,600 rubles.
- FLC - the full cost of the loan (FLC - Full Loan Cost) in percent is 29.2% per annum.

Consequences of delay in repayment of the loan:
In case of violation of the terms of payment of an online loan, the amount of the penalty may be 0.1% of the total amount of delay per day, but not more than 10% of the total loan amount.

Requirements for borrowers:
- age from 18 to 65 years;
- passport of a citizen of the Russian Federation.

Loan repayment period: from 61 to 1826 days (including prolongation)

Interest rate from 10% to 360% per annum

Consequences of non-payment:
The amount of the penalty is 0.10% of the amount of delay per day and not more than 10% of the loan amount.

PJSC "SOVCOMBANK" License of the Central Bank of the Russian Federation No. 963 Address: Kostroma, pr. Tekstilshchikov, 46
PJSC CB VOSTOCHNY License of the Central Bank of the Russian Federation No. 1460. Address: Blagoveshchensk, per. St. Innocent 1

List of credit organizations:
PJSC "MTS-BANK". License of the Central Bank of the Russian Federation No. 2268. Address: Moscow, Andropova Avenue, 18, building 1