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Articles on loans
About the loan
Overview of applying for a loan from Bystrodengi
The microcredit company first appeared in Russia in 2008, and already in 2011 it had over 150 offices across the country where you could apply for a loan from Bystrodengi. Currently, the office network is represented in almost all regions of the country, and the total number of Bystrodengi branches as of early August 2019 is 450.
The company issues online loans from Bystrodengi in cash upon visiting an office, to any bank card, and you can also issue a Bystrokarta co-branded card. An extensive lineup of software products allows you to get loans to a card from Bystrodengi with a minimal set of documents that must be provided to the MFI operator.
The official name of the company is Bystrodengi Microfinance Company (LLC). Registration address: 123290, Moscow, 1st Magistralny Tupik, 11, bldg. 10. Registration document number in the MFI register at the Central Bank of the Russian Federation dated July 8, 2011, number 2110573000002.
Loan terms at Bystrodengi MFI
In every region of Russia where an office of the microcredit company is located, you can take out a loan from Bystrodengi according to one of the selected software products. The following software products are currently available to borrowers:
- Cash loan. Can only be obtained at an office. Loan amount up to 100,000 RUB, starting from 0.87% per day.
- Loan to a "Bystrokarta". Can be obtained both at the office and ordered via courier delivery. Credit amount – up to 100,000 RUB, interest rate – starting from 0.87% per day (in some regions 0.84% per day).
- Car title loan (pledging the vehicle's passport). Loan for a term of 3 years, you can get up to 1 million RUB, interest rate starting from 0.08% per day.
- Loan to a personal bank card. Credit amount up to 30,000 RUB, lending period up to 30 days, interest rate 1%.
In addition, the company has an extensive lineup of promotional offers that will interest every borrower:
- "First – for free." Get a profitable loan with a 0% interest rate for 3 days and an amount up to 30,000 RUB.
- Bring a friend and get a guaranteed 300 RUB.
In addition, special offers are active throughout the calendar year. Thus, in 2019, there were the following promotions: "Social Loan," "April Bonus," "Good Birthday Gift" (still active in a number of regions), "2019 Gifts," "Get 1000 RUB as a gift," etc.
In case of non-payment, penalty sanctions in the amount of 20% per annum apply.
Terms
According to the basic standards and loan terms at Bystrodengi, certain criteria and requirements are imposed on a potential borrower.
To apply for a "Car title loan," you must undergo additional identification. If you are applying for a loan to a personal bank card, you must complete an additional personal card verification procedure.
The loan matching service will help you properly apply for online loans to a Bystrodengi card.
- Review the offer on the loan matching service.
- Go to the MFI's website and fill out the application form.
- Check if there is an office in your region (you can use the city search at the top of the website).
- Fill out the application form and your account profile, providing all necessary information, including contact details.
- Wait for a response from an operator within 15 minutes.
- A company manager will call you back to inform you of approval, after which you need to visit a physical office. Do not forget to bring all your documents with you.
- Receive the money at the office.
Note that physical locations issue cash. Starting from the second and subsequent loans, you can receive funds either on a Bystrokarta or on a personal named bank card.
- Must have Russian citizenship, verified by a passport.
- Borrower age: 18-75 years.
- Employed within the territory of the Russian Federation and the location of the office.
- The borrower's registration location and the office location must be the same.
- The borrower must have legal capacity.
- The borrower must have a mobile phone number.
We recommend applying for a Bystrokarta on the website. This is a proprietary software product of Bystrodengi. The card has features similar to any bank card. The payment standard is Mastercard.
The payment amount will be available in your account. Information on how to repay the loan will also be available in the agreement and your account. If you cannot pay on time, loan extension terms for 14 days are available. Notify the MFI operator in advance or extend the loan term yourself by paying the interest for the previous period beforehand.
In addition, borrowers have access to additional terms and loyalty programs, in particular:
- Life and health insurance.
- "Personal Lawyer" certificate.
- "Personal Doctor" certificate.
- "Tick Protection" insurance policy.
- "Property Insurance" policy.
- Bystroprotection proprietary software product.
Any microcredit organization borrower can use these services.
Rates
In the mobile app;
At the company's office;
By bank transfer;
At Russian Post;
Via Eleksnet
Calculator
Answers to questions
How will I know if my application is approved?
Before visiting the office, you need to submit an application on the IFC's official website page. Within 15 minutes you will receive a callback or an SMS message.
How long does it take to review an application?
According to the rules, the application is reviewed within 1 minute. For those applying for a loan at Bystrodengi for the first time, the waiting time may be 15-60 minutes.
Where will information about application approval be displayed?
We recommend keeping the website page open, whether on a PC or mobile app. Typically, the status of the microfinance organization's loan decision is displayed online.
How long will it take for me to receive the money?
You will need to visit an office; cash is issued during your first visit. For subsequent applications, you will receive the money instantly onto a Bystrokarta or your personal bank card.
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