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Articles on loans
About the loan
"Hurma Credit" is a relatively new microfinance organization. It was registered only in 2023. Nevertheless, it is a reliable microcredit company where you can apply for a small loan — up to 30,000 RUB for a term of up to 25 days. Getting a microloan here is quite simple. To borrow money at interest, the borrower just needs to fill out a short application and provide bank card details. Funds will be credited to it within 10-15 minutes.
Terms
The lending terms at the microfinance organization Khurma Credit are quite simple and straightforward. Here, clients can obtain a short-term microloan ranging from 5,000 to 30,000 RUB for a period of 5 to 25 days. The maximum interest rate here is 0.8% per day, or 292% per annum.
A special offer is available for new clients: the first interest-free loan. It is available when borrowing an amount from 5,000 to 30,000 RUB for a period of 5 to 21 days.
Please note, however, that the preferential interest rate on the loan applies only if the debt is paid on time — without delays. In the event of an untimely payment, the microfinance organization charges the maximum interest rate from the very first day the funds are used.
In this microfinance organization, as in any other, early repayment of the microloan is available. To close the loan ahead of the schedule established by the loan agreement, you need to repay the principal debt amount, as well as the interest accrued for the actual period the funds were used.
Extension of the microloan is also available at the lending institution. To use the prolongation service, you simply need to pay the interest accrued for the actual period the funds were used. The principal debt amount will then be postponed to a new term. You can use the microloan extension option in your personal account on the MFO's website.
In the event that the borrower has not used the loan prolongation service and has not repaid the loan on time, the lender charges a penalty. Its amount is 20% per annum of the debt amount for each day of delay.
Let us give a small example. If a borrower received 21,000 RUB and failed to repay the microloan on time, their penalty will amount to 11.48 RUB for each day of delay, plus the interest accrued for the actual period the funds were used.
The microfinance organization does not impose special requirements on clients. To get a microloan here, it is enough to have citizenship of the Russian Federation and be over 18 years of age.
As for documents, only the passport of a citizen of the Russian Federation can be provided to obtain a microloan.
In addition to documents, you will need any device with internet access, a mobile phone with an active SIM card, and a personalized bank card.
Today, you can get a microloan from the Khurma Credit MFO only via transfer to a bank card of the MIR, Visa, and MasterCard payment systems.
You can repay the debt to the microfinance organization in two ways:
- from a bank card of the MIR, Visa, or MasterCard payment systems — for this, you will need to specify the card details in your personal account, and the required amount will be debited on the payment date;
- via bank account details — in internet banking or the mobile app, you will need to specify the IFC's details, agreement number, and payment amount.
Bank: Alfa-Bank JSC
Beneficiary: Khurma Credit MCC LLC
Tax ID / INN: 5262390614
BIC: 042202824
KPP: 526201001
Current account: 40701810329050000086
Corr. account: 30101810200000000824
OGRN: 1235200008240
OKPO: 776423292
How to apply
You can submit an application for a microloan only online — on the microfinance organization's website. To do this, you need to do the following:
- On the MFO's main page, indicate the desired loan amount and term.
- Click the "Get Money" button.
- Register via Gosuslugi or provide your last name, first name, and patronymic, mobile phone number, and email address.
- Check the box.
- Click the "Continue" button.
- Enter the confirmation code from the text message.
- Click the "Continue" button.
- Provide passport details, gender, registration address, and actual place of residence.
- Click the "Continue" button.
- Provide information about employment and income, an additional phone number, and its owner.
- Click the "Continue" button.
Next, you need to wait for the lender's decision on the application. In case of a positive response, you will need to provide bank card details and verify your identity.
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