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Articles on loans
About the loan
"Zaymigo" is an online lending service. The microfinance company has been operating since 2015 and during this time has managed to establish a solid reputation among clients. Borrowers can get up to 30,000 RUB for a period of up to 30 days with an overpayment of 0% to 0.8% per day.
Terms
Borrowers who apply to Zaymigo IFC can take out their first loan at 0% in the amount of 4,000 to 30,000 RUB for a period of 5 to 21 days. Outside of promotions, both new and regular clients can get from 4,000 to 30,000 RUB for a period of 5 to 30 days. The interest rate is set by law at 0.8% per day or 292% per annum.
Early repayment of microloans is available at the microfinance organization. To close a microloan ahead of schedule, you need to pay the principal debt and interest accrued for the actual time you used the money.
Loan prolongation is also available at Zaymigo IFC. To extend the loan, you need to pay the interest accrued for the actual days you used the money. You can clarify the required amount by calling the hotline at: +7 (800) 700-72-86.
In case of late payment of the microloan, the creditor charges a penalty of 20% per annum on the debt amount. For example: a borrower took out 7,000 RUB and failed to repay the debt on time, the fine will be 3.84 RUB for each day of delay plus accrued interest.
Borrowers who meet the following requirements can get a microloan from Zaymigo IFC:
- are citizens of the Russian Federation;
- have permanent registration within the territory of Russia;
- aged 18 and older;
- fully legally capable at the time of concluding the agreement;
- have no overdue current debts.
To get a loan from the microfinance organization, a passport of a citizen of the Russian Federation is sufficient. However, the creditor may also request additional documents.
You can receive the microloan to a MIR, Visa, or MasterCard bank card.
You can repay the microloan using one of the methods listed below:
- 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 internet banking or the mobile app, you will need to specify the IFC's details, agreement number, and payment amount.
Bank: Nizhegorodsky branch of JSC ALFA-BANK
Beneficiary: Zaymigo MFC LLC
Tax ID (INN): 5260355389
BIC: 042202824
KPP: 526001001
Current account: 40701810629050000029
Corr. account: 30101810200000000824
OGRN: 1135260005363
How to apply
You can apply for a microloan only online — on the microfinance organization's website. To do this, you need to:
- indicate the desired loan amount and term on the main page of the website;
- click the "Get Loan" button;
- authorize via Gosuslugi or provide your surname, first name, patronymic, phone number, and email address;
- check the required boxes and click the “Continue” button;
- enter the confirmation code from the SMS message;
- provide your passport details, registration address, and actual residential address;
- check the required boxes and click the “Continue” button;
- specify a contact person;
- click the "Continue" button;
- enter your bank card details;
- click the “Continue” button.
After preliminary application approval, the borrower will need to undergo identity verification.
Rates
by bank account details
Calculator
Answers to questions
Will I get a 100% guaranteed loan?
To get an answer, submit an online loan application with Zaymigo. The system will process the request instantly and you will find out the decision.
I have a history of overdue payments. Can I apply for another microloan?
Yes. Minor past overdue payments do not affect the decision to issue microfinancing.
Can I take out two or three loans at the same time?
According to the rules, a borrower can only take out one microloan from Zaymigo IFC.
Do I need to provide collateral to get a microloan?
No. Money is not issued against real estate, valuables, or a car as collateral.
Why is a microloan rejected after being approved?
There is only one reason — company employees were unable to contact you using the provided details.
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