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Review of the MFI "Smart Credit" for applying for a loan
The Russian microcredit company "Smart Credit" has established itself as one of the most promising projects in the micro-lending sector, where you can apply for a loan in the amount of up to 50,000 RUB. The official name of the company is SMARTMONEY.RU Microcredit Company LLC. The legal address of the head office is: Moscow, Leninskaya Sloboda St., 19. Registration number in the MFI register of the Central Bank of the Russian Federation is 651503045006429 dated 07.05.2015.
The microcredit enterprise offers clients up to 6 tariff plans where you can submit an online application without visiting "Smart Credit" for an amount of up to 50,000 RUB for a term of 182 days. Standard tariff plans allow obtaining loans for a term of up to 56 days, in an amount of up to 30,000 RUB.
Terms of applying for a loan online at Smart Credit
When applying for a loan in "Smart Credit", the borrower will need to choose a suitable tariff plan. Currently, there are 6 tariff plans that will help you get an increased credit limit after repaying your previous application.
- Tariff plan Smart#1, amount up to 14,000 RUB for 21 days.
- Smart#2 tariff plan, amount up to 15,000 RUB for 30 days.
- Smart#3 tariff plan, amount up to 20,000 RUB for 30 days.
- Smart#4 tariff plan, amount up to 30,000 RUB for 30 days.
- Tariff plan #1, amount up to 30,000 RUB for 56 days.
- Tariff plan #2, amount up to 50,000 RUB for 182 days.
In case of default, the MFI applies penalties at a rate of 1.5% per day. Borrowers receive free SMS notifications about upcoming payments.
Terms
To submit an online application to Smart Credit, you must have a borrower's personal account. Applications can only be submitted through the personal account to find out which suitable tariff plan is available to you at the current stage.
When filling out the application form, you must provide your contact details. Specifically, the phone number must be able to receive SMS messages. You will subsequently receive a digital code that serves as an electronic signature for concluding the agreement.
To get a favorable loan from Smart Credit, we recommend following these guidelines:
- Review the available offer on our loan matching service.
- Follow the link to the MFI website and fill out the application form after creating a Smart Credit personal account.
- Provide your passport details and employment information.
- Attach a scanned copy of your passport to the application.
- Upon microloan approval, you will be prompted to sign the electronic agreement using an SMS notification.
- Receive your loan using one of the methods you selected.
Please note that for the first loan, funds are disbursed to a bank card. This requires a special verification procedure. Subsequently, the following disbursement methods will be available to you:
- To Visa, Mastercard, or Maestro bank cards. Funds will be credited within 2 minutes. Verification of bank card ownership by the borrower is required.
- Contact money transfer system. Crediting within 10 minutes. Checking for a pickup location in your city is required. Before receiving the funds, you must wait for an SMS with the transfer control code.
- Zolotaya Korona system (under development). You need to check for a pickup location in your city. An SMS with the control code is sent to your mobile number.
- QIWI Wallet. Enter your wallet number, complete the verification, and receive the money in 1 minute.
- YooMoney. Complete wallet verification and receive your Smart Credit loan directly to your account within 2 minutes.
- Bank account. Provide your checking account details and your funds will be credited within 1-2 business days.
- The borrower must be a citizen of the Russian Federation and verify their identity with a passport.
- Borrowers can apply for a Smart Credit loan online regardless of their region of residence.
- You may optionally provide information about your official place of employment in the application form, which will increase the chances of approval by the microcredit organization.
- Credit history affects the approval outcome; however, if you provide truthful information about yourself, you will be issued a minimum loan of 2,000 RUB.
- Borrowers can take out their first Smart Credit loan, repay it, and thereby unlock access to other tariff plans.
There are 6 tariff plans available for borrowers. When applying for the first time, you are eligible for a microloan ranging from 2,000 to 14,000 RUB for a term of 21 days. Subsequently, after repaying the previous microloan, you unlock access to the following tariff plans. The maximum possible microloan is 50,000 RUB with a crediting term of 182 days.
The loyalty program provides a reduction in the overall burden on the loan principal. Smart Credit offers discounts ranging from 5% to 25%: a 5% discount on the second loan, 10% on the third, and so on up to 25%.
Borrowers can take advantage of early loan repayment. You pay the main loan principal and interest only for the days you actually used the funds. Partial repayment involves paying a specific amount in installments, as indicated in your personal account. Loan extension is allowed if the borrower fails to repay the previous microloan on time for any reason.
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Answers to questions
How long does it take to review an online application at Smart Credit
No more than 1 minute, you can always track the status of your application in your personal account.
Where will the response regarding the cancellation of my application be sent?
You will receive an email notification as well as a text message on your mobile phone number.
How long does it take for the loan to be credited?
To a card and electronic wallet (Qiwi and Yandex Money) within 2 minutes. Via online money transfer systems, from 10 minutes; to a bank account, within 2 business days.
How will I know the approved loan amount?
You will receive an SMS notification, or the amount will be indicated in your account profile. You can also call +7-495-268-05-57 to check the microloan amount (calls may be subject to a fee in certain regions).
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