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About the loan
"VIVA Dengi" is a large and reliable microfinance organization. It has been providing microloans to citizens since 2011. As of 2024, the company is located in 141 cities across Russia and 40 regions of the country.
Terms
In this microfinance organization, borrowers can get both short-term and long-term microloans. A total of 1 to 100 thousand RUB is available here for a period from 1 day to 12 months.
If a client applies to the microfinance company for the first time, they can apply for no more than 15 thousand RUB. To get a larger amount approved, they will have to visit an MFI branch. But even there, the maximum lending limit for the first time is 50 thousand RUB.
A special offer is available for new borrowers at VIVA Dengi. They can take out their first loan at 0% per day. However, to do this, they need to repay the microloan debt on time—without delays or extensions.
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 credit agreement, you need to pay the principal amount of the debt and the interest accrued for the actual days of using the money.
Also, microloan extension is available in the microfinance company. To use the prolongation service, it is enough to simply pay the interest accrued for the actual days of using the money, while the principal amount of the debt will be rolled over to a new term.
If a borrower defaults on a payment, the MFI charges a penalty. Here, its amount is 20% per annum. Let's give a small example. A client took out a loan of 40 thousand RUB and failed to repay it on time. In this case, the microfinance organization will charge a penalty of 21.86 RUB for each day of delay. The client will also need to pay the interest accrued for each day of using the money.
Borrowers who meet the following requirements of the lending organization can apply for a microloan at the VIVA Dengi MFI:
- Russian citizenship;
- with permanent registration in the Russian Federation;
- aged from 21 to 71 years old.
To get interest-bearing money from this microfinance organization, it is enough to provide only a Russian citizen passport.
You can get a loan from VIVA Dengi in two ways: by transfer to a bank card of the MIR, Visa, or MasterCard payment systems, or in cash at the microfinance company's branches.
You can repay the debt to the microfinance organization in the following ways:
- via a Mir, Visa, or Mastercard bank card — enter your card details in your personal account, and the required amount will be debited on the payment date;
- via bank account details: in your internet bank or mobile app, you will need to enter the MFI's details, the contract number, and the payment amount;
- at the branches of the Zolotaya Korona money transfer system — you will need to state the agreement number and the payment amount.
Bank: PJSC "TRANSKAPITALBANK"
Beneficiary: MFC "CFP"
Tax ID (INN): 7727480641
BIC: 044525388
KPP: 772701001
Current account: 40701810520100000033
Correspondent account: 30101810800000000388
OGRN: 1217700621709
OKPO: 72006758
How to apply
The easiest way to get a loan from VIVA Dengi is to submit an application on the official website. To do this, you need to:
- Indicate the desired loan amount and term on the microfinance organization's main page.
- Click the "Get Money" button.
- Enter your mobile phone number.
- Click the "Next" button.
- Enter your last name, first name, patronymic, and date of birth.
- Click the "Next" button.
- Check the box.
- Click the "Next" button.
- Enter the confirmation code from the text message.
- Enter passport details.
- Click the "Next" button.
- Enter your registration address.
- Click the "Next" button.
- Provide information about your employment and income.
- Click the "Next" button.
- Indicate the purpose of the loan.
- Check the box.
- Click the "Next" button.
Wait for the microfinance organization's decision and, in case of a positive response, choose the method of receiving the money.
Rates
In cash at MFO branches.
via bank account details;
at the branches of the Zolotaya Korona money transfer system
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