Top 10 most reliable MFIs

Moneyman

MoneyMan is one of the largest microfinance organizations in Russia. It was one of the first to operate entirely online. This means users can apply for a microloan, get approval, and receive funds without leaving home. All document checks are carried out remotely.

The lending rate is generally 0.8% per day. For new MFI users, it even offers preferential terms: the lender charges no fee for using the funds if the client takes out a microloan of up to 30,000 RUB for a term of up to three weeks. Overall, users can receive up to 100,000 RUB from this organization for a term of up to 18 weeks.

Standard borrower requirements are:

• the client must be a citizen of the Russian Federation;
• must be at least 18 and no older than 70 years old;
• must have full legal capacity.

Zaimer

Zaimer is another fully automated lending service. Because the application is handled from start to finish by a robot (meaning the system), the client can receive funds within 10-15 minutes of starting to fill out the form.

The MFI provides the following types of microloans:

1. "Payday" loan. Users can get a microloan ranging from 2,000 to 30,000 RUB for a term of 7 to 30 days. However, maximum limits are only available to regular clients—new borrowers can apply for no more than 15,000 RUB.
2. "Robocredit". This is a long-term loan of up to 100,000 RUB for a term of 1 to 12 months.

The interest rate for any type of microloan is 0.8% per day.

Borrower requirements:

• hold citizenship of the Russian Federation;
• having a personalized bank card;
• age between 18 and 75 years old.

Персональный подбор

Подберем предложения под вашу ситуацию

Оставьте телефон — покажем варианты с высокой вероятностью одобрения и актуальными условиями.

• Проверенные предложения
• Без звонков от менеджеров
• Результат в удобном канале

Website

Phone required

Email for selection

Согласен на обработку персональных данных и получение информационных и рекламных сообщений. Privacy Policy. Также хочу получать персональные подборки в Telegram. Это необязательно, отключить можно командой /stop. Подобрать предложения

MigCredit

MigCredit offers users a wider range of financial products, including:

1. Payday. Amount up to 30,000 RUB, term up to 30 calendar days.
2. Comfortable. Users can take out a microloan of up to 100,000 RUB for a term of up to one year.

In addition, new users can get up to 30,000 RUB for up to two weeks without a fee for using the money, meaning at 0% per annum.

Borrower requirements vary depending on the type of microloan. However, the main ones are as follows:

• hold citizenship of the Russian Federation;
• having permanent registration within Russia;
• age 18 and older;
• having a steady income.

WEBBANKIR

Webbankir allows clients to apply for 3,000 to 50,000 RUB (regardless of whether they are a new or regular borrower). The loan term ranges from 7 to 180 calendar days. However, if a user takes out a loan for up to 10 days, the interest rate is 0% per annum. In other cases, it does not exceed 0.8% per day.

To take out a microloan, the borrower must meet the following requirements:

• aged 18 or older;
• reside in the Russian Federation for at least six months;
• have full legal capacity.

eKapusta

The service eKapusta offers users microloans ranging from 100 to 30,000 RUB for a term of 7 to 21 days. The interest rate will depend on individual lending terms, but will never exceed 0.99% per day.

Client requirements are as follows:

• hold citizenship of the Russian Federation;
• having permanent registration in any region of the Russian Federation;
• age 18 and older.

Web-zaim

The microfinance company Web-zaim provides 8 tariff plans for new borrowers and regular customers. The loan amount and term always remain unchanged, but the tariffs offer different interest rates.

1. Start. This is a microloan for those applying for the first time. Such users can access up to 30,000 RUB at 0% per day for a term of up to 14 days.
2. Classic. The amount of the repeat microloan will be the same, but the interest rate will increase to 0.8% and the term to 30 days.

To move to each subsequent level, the user must repay the previously taken microloan on time, but no earlier than 7 days after it is issued.

To take out a loan with Webzaim, the client must meet the following requirements:

• be a citizen of the Russian Federation;
• have a valid Russian passport;
• be at least 18 years old at the time of application.

Moneza

Company Moneza offers the following types of microloans:

1. Consumer loan without collateral or guarantors for new borrowers. The maximum available amount under this tariff is 15,000 RUB, and the minimum is 2,000 RUB. The loan term ranges from 5 to 35 calendar days.
2. For regular borrowers, the loan amount can be increased to 30,000 RUB. All other terms remain unchanged.

The interest rate depends on the client's status. Thus, new users can get their first loan completely free of charge—meaning at 0% per annum. For others, the cost of borrowing will be 0.8% per day.

To become a client of the microfinance organization, a potential borrower must meet its following requirements:

• be between 18 and 65 years old;
• have citizenship of the Russian Federation;
• have permanent registration within the country;
• have a bank account opened in their name;
• not be a foreign public official or a close relative of one.

Ezaem

For new borrowers, the company Ezaem is ready to offer a microloan of up to 15,000 RUB, which, in the event of timely repayment and a repeat application, can be increased to 30,000 RUB. The actual interest rate is 0.8% per day, but at the creditor's initiative, it can be reduced to 0% per annum. The loan term for all categories of users ranges from 5 to 35 calendar days.

The requirements for borrowers are no different from other microfinance organizations:

• the client must be at least 18 and no older than 65;
• they must be a citizen of the Russian Federation;
• permanent registration within the country is mandatory;
• having a steady income is mandatory.

Do Zarplaty

The microfinance organization offers clients several types of microloans:

1. Mini-loans. The loan amount ranges from 2,000 to 10,000 RUB, and the term ranges from 7 to 30 calendar days.
2. Zero. In this case, users can take out from 2,000 to 20,000 RUB for a term of 7 to 180 days.
3. Top loans. Borrowers can receive from 21,000 to 30,000 RUB for a term of up to 1 year.
4. Yearly. The loan amount will range from 31,000 to 100,000 RUB for a term of up to 1 year.

Standard borrower requirements are:

• having Russian citizenship;
• having permanent registration in the Russian Federation;
• age 18 and older;
• having full legal capacity;
• not being under the influence of alcohol or drugs at the time of signing the agreement.

Bistrodengi

AT THE MICROFINANCE ORGANIZATION Bistrodengi borrowers can take out from 1,000 to 1 million RUB for a term of 1 day to 3 years. The interest rate depends on the individual terms of the agreement, but cannot exceed 292% per annum.

To become a client of the microfinance company, the user must meet the following requirements:

• have citizenship of the Russian Federation;
• be at least 18 and no older than 75 years old;
• have a valid Russian passport.

At the end of the ranking, we will tell you how to take out microloans correctly so as not to end up in a debt trap:

1. When applying for a loan, always match your desires with your capabilities. If you realize that you will not be able to repay the microloan on time, reduce its amount or abandon it altogether.
2. Remember that a microloan is "urgent" assistance. That is, until payday. Any long-term microloans are financially disadvantageous.
3. When choosing lesser-known MFIs, pay attention to whether they have a license. You can view the list of legal microfinance organizations on the Central Bank's website.
4. When concluding an agreement, be sure to read all its clauses. This will help you avoid hidden fees and imposed insurance.

If you nevertheless realize that a delay is unavoidable, do not try to evade responsibility and hide from MFI employees. In this case, we advise you to inform the lender about the problem in advance. You may be offered profitable ways to solve it.