The number of MFIs is growing. So that the applicant of financial assistance should not be confused with this variety of offers, we have prepared for the TOP loans online from the best microfinance organizations.
Based on what was the MFI rating made?
Our goal was to produce an accurate list with useful data. The following factors played a role in creating the list:
- Stability reporting – it happens that people give debt, but it is not debited from a bank account, spoiling the credit history. Restaurants in which there is a similar, do not fall into our TOP-12;
- Approval statistics – readers are interested in how easy it will be to get finances. The list of MFIs did not include organizations with a complicated system for identifying and reviewing applications;
- The history of institutions – experience, the absence of violations in the legislation of the Russian Federation and other factors confirming the stable work and positive reputation of MFIs;
- Customer reviews – friendly staff, courtesy and quality of service;
- Personal experience – we have been engaged in the money sector for a long time; therefore, we have at our disposal a number of authoritative sources who publish proven microloan TOPs online (refer to one of the sources).
Benefits remained a key indicator. Nevertheless, we follow money and low rates – the main difference between the best MFIs lies in the availability of the budget. Due to the stock of money institutions and can issue funds at low interest rates. Let us pass to the most important one – the rating, which we divided into 3 parts for your convenience.
Top 4 best microloans on the card
Almost all have plastic cards. It is advantageous for us to bypass intermediaries and receive money immediately to a bank account. Look at the best MFIs in the online sector, their plans and terms of cooperation.
1. Joymoney: “First Free”
The first loan is granted in the amount of up to 8 thousand rubles. In this case, the rate is 0%. Take a look at the features:
- Identification – passport and phone number;
- The maximum amount is 60 thousand rubles;
- Max. term – 18 days.
The main advantages of Joymoney include availability and speed – registration in 15 minutes and around the clock work. By cons – the minimum age of the client can not be less than 23 years.
2. “VIVA Money”: “Repeated”
A large company offering the first loan for a period of 7 days at 0% – its amount can reach up to 40 thousand rubles. Look at other details of the company from our microloan rating:
- Identification – passport;
- Processing speed – 1 minute;
- The age of the borrower is 21-70 years old .;
- Max. amount – 80 thousand;
- Max. term – 12 months
The advantages include the possibility of extending the loan. By cons – the MFI works only with cards and does not allow the issuance of money to owners of a bad credit history.
3. MoneyMan: Turbo
The first time you can take up to 10 thousand for a period of not more than 15 days, if you want to get a rate of 0.76%. The probability that you will be provided with money is extremely high. Look at other features:
- Age – from 18 years;
- Documents – only a passport;
- Max amount – 30 thousand;
- Max is 18 weeks.
The advantage of this service is to work with the systems “Golden Crown”, Qiwi and bank transfers. Terms of consideration it takes only 1-2 minutes. The downside for some will be a strict attitude towards time-line violators, manifested in the form of non-cooperation.
4. “eKapusta”: “First free”
The leader in terms of the amount at the first take of finance – 30 thousand for 21 days at 0%. This is one of the most profitable loans at stake for beginners. Registration and payment is made in just a minute.
- Identification – passport;
- Age – 18-70 years;
- Max. amount – 30 thousand;
- Max. term – 21 days.
The company works with almost all types of cards. Provided operational support. She also collects most of the positive feedback. Dates of performance are from 1-2 minutes. Most often the system works without delays. Minus – frequent refusals to extend the delinquency.
Top 4 Microloans for e-wallets
Maps are convenient, but not always suitable. Sometimes it’s easier to use digital services. It is more difficult to find the best microloan in this segment, as there are 2-3 times more intermediaries. We have selected for you 4 reliable places. Look at them.
1. Moneza: “New customers without%”
You are free to take up to 15 thousand rubles for 1 month (30 days) for the first time – the interest rate in this case will be 0%. These figures are the maximum threshold for repeat business. Moneza is an extremely loyal company, because there is a fairly high percentage of approved requests. Take a look at the details:
- Identification – passport scan;
- Age – 20-65 years;
- Payment systems – QIWI.
After 15-20 minutes, your application will be reviewed and paid. You can contact the MFI firm around the clock. Minus only in the low maximum threshold.
2. Smart Credit: “Repeat”
A system offering a stable rate of 1.5%. At the start, you can take up to 14 thousand rubles, but not more than 21 days. Smart Credit is on the list of companies that provide the best online loans because of its reliability. This organization has been operating since 2015. She has a lot of positive feedback. Let there be no marketing rate of 0%, but as they say, it is better to pay a little extra and not worry. Look at the details:
- Documents – passport scan;
- Age of issue – 21-65 years;
- Payment systems – QIWI, Yandex Money.
A fairly fast and reliable system, but people often complain about the impossibility of restructuring.
3. MoneyMan: Super Turbo
This service has already been mentioned. Its popularity is due to an automated, accelerated credit issuance system. Much thanks to the processing of the request in 1 minute, he has the best loans. When working with payment systems you will be available to poison, “Qiwi”, as well as “Contact” and “Golden Crown”. The conditions are the same as when using bank cards – the threshold is 30 thousand. Issues are conducted from 18 years. It’s difficult to talk about cons in this service – it is one of the best.
4. Konga: Plus
The organization has its own mobile application. The percentage starts at 1.5. The amount should not exceed 14.5 thousand rubles, and a period of 30 days. Like the previous firm, Konga is allocated a high-speed service that allows you to get finance in debt in 5-6 minutes. The MFI works around the clock, allowing the use of “Poison” and Qiwi. Profitable loans on the card are also available. Your age should be from 22 to 65 years. The organization is considered reliable. He has many regular partners in the person of individuals. The downside is almost zero chance of getting money from a bad CI.
Top 4 offers from MFIs to receive money through payment systems and banks
Despite the abundance of various payment methods, only a few organizations are well integrated into the financial system. Look at 3 sources of receiving money, in addition to those that we mentioned above:
- Contact system;
- System “Golden Crown”;
- Accounts issued by the bank.
The first two representatives are engaged in remittances in the CIS countries, which may be an additional plus for citizens of the Russian Federation located in another state. Look at 4 companies offering to send loans on the best conditions in the payment systems.
1. “E loan”: “The first without interest”
Not the most open, but quite affordable for bona fide taxpayers firm. The higher number of refusals is due to the fact that the organization helps people with not very good credit history . If you have everything in order with payments, then the chances rush to 100%. The following conditions are offered:
- The amount is up to 30 thousand for permanent, and up to 15 thousand for new;
- Rate – from 0.82%;
- Terms – up to a month;
- Age – from 20 to 65 years.
The MFI works 24 hours a day. It allows you to cash out finances in the Contact system, which is present in all CIS countries. Minus – a huge commission for the failure to repay the first debt in due time. To repay the debt earlier with interest deduction is also impossible.
2. MoneyMan: “Takeoff”
One of the main advantages of this MFI is its versatility, as is the largest portfolio in the Russian Federation. At the time of the ranking, he approached 4 billion rubles, growing by 400 million each quarter. Here, not only the best loans on the card, but also separate programs for receiving money through the Golden Crown and Contact systems. Look at the details:
- The rate is 0% for new and from 0.80 to 1.5% for regular customers;
- Terms – up to 15 days;
- Amount – up to 10 thousand;
- Age – from 18 years.
We mention that MoneyMan is constantly improving its offers and adds various benefits for partners. In addition to the previously mentioned disadvantages, there have been cases of unprofessional support operators, but they are extremely rare.
3. CreditPlus: “Repeat”
MFI with excellent support. It can issue money with unstable income, which can be learned from numerous reviews. The rating for this company is average, since it strictly refers to the selection of customers. However, if you start working with it and pay out the money on time, loyalty and concessions will not come as a surprise. That is why we have added it to the ranking of the best microloans. Look at the details:
- Rate – from 1.5%;
- Terms – up to 30 days;
- Amount – up to 15 thousand;
- Age – 22-65 years.
The company holds draws, the main prize of which is the repayment of the debt directly by the company that issued it. It’s nice to know that you may not have to return anything. Found 1 company flaw – the answering system can periodically call and send messages with offers.
4. Lime: Vip
MFI officially registered with the Central Bank of the Russian Federation. Gathered a lot of positive feedback. Offers renewal, around the clock opportunity to take money. Despite this, the level of approval of applications is impressive. This all can say that Lime really gives loans on the best conditions and treats the client extremely positively. Take a look at the features of the VIP program:
- Age – 21-65 years;
- Rate – from 1.5%, for new customers 0%;
- Deadlines – up to 24 weeks;
- The amount is up to 20 thousand at the first circulation, up to 70 thousand at the subsequent ones.
Plus, there is a job with a bad credit history. No cons yet revealed.
Thanks to this rating, you have no reason to search for the most reliable online loans on the Internet. We tried to collect cream for you. We draw conclusions – in the TOP-3, you can safely enter the following giants:
- MoneyMan – the fastest and most profitable. There are 0% low rates;
- “EKapusta” – the most affordable rates, works with a wide range of ages. There will be no problems with the design;
- Lime is the most reliable company. She is not new, but gets great reviews. There is an opportunity to take up to 100 thousand rubles, and the term is extended up to 168 days, which is rare for MFIs. The fact speaks of a good budget and high reliability.
We also recommend to pay attention to a number of small but worthy MFIs – this is “MIG CREDIT” and Webbankir. The latter has a lot of positive feedback. Choose, receive money and invest it in the right thing for you. It’s pretty easy to do this today.