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About the loan
AirLoans MFC LLC is known on the market as Kviku, was founded in 2013, and was included in the state register of MFOs that same year. It operates online, and its head office is located in Moscow. The microfinance company issues short-term microloans and provides other services to clients – issuing virtual cards, internal transfers between accounts, and POS lending. Kviku also has profitable investment packages for individuals who want to become partners.
Terms
At Kviku, you can take out a microloan from 1,000 to 100,000 RUB for a period of 60 to 360 days. In both cases, the interest rate does not exceed 0.8% per day, and it can also be reduced to 0.3% per day.
At Kviku, you can make an early settlement in the first 14 days after taking out the loan – without notifying the MFO in advance, and from the 15th day – by filing an application addressed to the director. The early repayment amount is visible in the user's personal account. The loan agreement settlement process:
- In the first 14 days from the moment the loan is issued – without notifying the lender in advance (without written applications). Cover the debt amount and interest accrued during the use of the borrowed funds.
- Within 30 calendar days – the countdown starts after receiving the money – without prior notification, cover the debt and accrued interest.
- Return 100% of the debt amount early (non-targeted loan) by notifying the lender in advance by mail support@kviku.ru or by letter via Russian Post. No later than a month (30 days) before the final settlement day.
Early repayment is carried out once, and the payment includes the principal debt and interest calculated based on the duration of fund usage.
When concluding a loan agreement with Kviku, the client undertakes to repay the debt according to the schedule established by the lender. There is no loan extension service, and a penalty will be charged from the very first day of payment delinquency.
Before submitting an application, you should review the general terms and conditions on the company's website; section 4 describes the penalties for delays allowed by the client. The MFO will demand payment of a penalty of 20% per annum, charged daily on the remaining debt balance in the event of a breach of obligations by the borrower. Payment of the penalty is separate from the loan, and the client will also have to make payments according to the schedule.
The MFO sets minimal requirements for clients wishing to get money quickly:
- citizen of the Russian Federation;
- legal capacity;
- presence of permanent or temporary registration;
- from 18 years old.
The maximum age is not specified on the website; pensioners can also take out loans at Kviku, and credit history is not taken into account. Proof of income is also not required; it is enough to present your passport and feedback contact details.
As for documents, the borrower provides a passport, the number and series of which are indicated in the application form on the microfinance organization's website. A high-quality photo of the document pages is required, with clearly legible text and a photo of the person. Personal information is stored on the website and is available only to the administration.
At Kviku, you can get a loan online, on the company's website or in the app. The user submits an application from their personal account, which takes 10–20 minutes to review, where in addition to the desired amount, repayment period, and other information, they indicate the preferred method of receipt – to a bank account or bank card. If approved, the company will transfer the money in a few minutes, which it will notify the client about in their personal account.
The client must transfer the money using the company's payment details no later than the deadline, otherwise a delinquency will occur.
The MFO's payment details for transferring funds for repayment will be received by the client in their personal account. It is convenient to copy the account number from there and pay either in a single lump sum or in parts, keeping within the established schedule.
Kviku details:
- INN – 7716748537;
- KPP – 770301001;
- OGRN – 1137746543296;
- OKPO – 17738520;
- Current account for transfers — No. 40701810802720000005;
- Bank name – Alfa-Bank JSC
- CORRESPONDENT ACCOUNT — NO. 30101810200000000593;
- BIC – 044525593.
Legal address – Moscow (123112), Presnenskaya Embankment 8, building 1, 511M.
All client payments are saved in a separate profile tab, and the remaining balance will also be visible there. You can set up a notification system so as not to miss the final settlement deadline.
How to apply
On the Kviku website, a client can get a loan online in 15 minutes with a minimum package of documents – a passport is enough. Proof of income and guarantors are not required, the service is available 24/7, with no lunch breaks or weekends.
To get a loan online, you need to:
- Open the MFI website and click the "Online Application" button.
- Select the currency in RUB, set the payment type to monthly, and use the slider to set the desired amount and term.
- Enter your full name in the form below, along with your email address and mobile phone number for contact.
- Check the box for "Request Agreement" and complete the process by clicking the "Submit" button.
- At the same time, the client agrees to the verification of their personal data during the review process. A Kviku manager will contact them at the provided phone number to discuss the details and send the agreement, under which the MFI transfers the borrowed funds to the client, and the client agrees to repay the debt in annuity payments until fully settled.
- After signing the agreement, the required amount will be transferred to the borrower's account via bank transfer.
MFIs help out when money is needed urgently — once the application is approved, the requested amount will be credited to your account (card) via bank transfer within 5-7 minutes.
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