Dengi OK

This microfinance organization has rather simple and clear lending conditions. Borrowers can get from 2,000 to 30,000 RUB for a term of 10 to 30 days.

At the same time, stricter lending conditions apply to clients applying to the microcredit company for the first time. They can apply for an amount from 2,000 to 20,000 RUB for a term of 10 to 15 days.

In both cases, the interest rate here is 0.8% per day, or 292% per annum. This is the maximum rate that an MFO can set under the legislation of the Russian Federation.

This microcredit company has no special offers for new and existing clients.

In this MFI, as in any other credit organization, whether an MCC or a bank, early repayment of a microloan is possible. To close a loan ahead of the schedule established by the loan agreement, it is sufficient to pay the principal amount of the debt, as well as the interest accrued from the first day of using the borrowed funds.

At the same time, the borrower is not required to notify the creditor in advance of their intentions. The debt can be repaid early on any day of the microloan.

In addition to early repayment, the loan extension service is available in this microfinance organization. To extend a microloan, it is enough to simply pay the interest accrued from the first day of using the money. In this case, the principal amount of the debt will be rolled over to a new term.

In this way, it is possible to avoid overdue payments and the accrual of penalties for non-compliance with the terms of the agreement.

If the borrower does not enable the microloan extension service and fails to make the payment on time, the microfinance organization charges a penalty. The maximum penalty amount is 20% per annum of the debt amount.

Let us give a small example. If a client received 30,000 RUB for 10 days and failed to repay the debt on time, the amount of their penalty will be 16.39 RUB for each day of delay. In addition to the fine, they will also need to pay the interest accrued from the first day of using the money.

And one should not forget that information about even the most minor delay will end up in the Credit History Bureau, which leads to a deteriorated credit history and loan rejections in the future.

The advantage of applying to microcredit companies is that MFIs are more loyal to clients than banks. Therefore, even people with a bad credit history and unofficial employment can get credit here.

In particular, to get a microloan from the Dengi OK MFI, you need to meet the following criteria:

• have citizenship of the Russian Federation;
• have permanent or temporary registration in Russia;
• be at least 20 years old.

As for documents to obtain a microloan, only the passport of a citizen of the Russian Federation is sufficient. At the same time, if the client does not have permanent registration in Russia, they will also need the original certificate of temporary registration.

In addition to documents, to fill out the application, the borrower will need any device with internet access (for example, a computer, laptop, or tablet), a mobile phone with an active SIM card and the ability to take a photo for identity verification, and a personalized bank card with a physical carrier.

You can get a microloan in this MFI only by transfer to a bank card of the MIR, Visa, or Mastercard payment system.

And you can repay the debt to the MFI also only from a bank card of the MIR, Visa, or Mastercard payment system.

Bank: JSC BANK "SNGB"

Beneficiary: LLC MCC "DengiOk"

Tax ID / INN: 9723229832

BIC: 044525395

KPP: 772301001

Current account: 40701810900070100102

Correspondent account: 30101810245250000395

OGRN: 1247700335365