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About the loan
One of Russia's most successful and largest microfinance companies is always ready to provide a microloan to those who urgently need money for urgent needs. You no longer need to specify the intended use of the funds; simply take out a loan from Kredito 24 (Kredito24.ru) online. The loan selection service will help you determine the advantages and positive aspects of microcrediting from one of Russia's thriving microfinance organizations. It is enough to have a mobile gadget or personal computer at hand to enter a minimal amount of information about yourself and select the borrowing parameters.
The full legal name of the microfinance company is Creditech Rus IFC LLC. Office location: Moscow, Malaya Gruzinskaya Street, 3, floor 11. State registration number in the registry of the Central Bank of Russia: 651303552003006.
Application terms
You must provide the required details and follow the operator's online instructions to fill out the necessary fields in the application form. You can apply exclusively online, as the MFO has no physical offices.
In accordance with the company's marketing policy, the penalty scale is as follows:
- 2 days - 0.11%
- 6 days - 0.22%
- 10 days - 0.22%
- 20 days - 0.55%
- 60 days - 0.55%.
SMS notifications about upcoming and made payments are free of charge.
Terms
Important! A loan from Kredito 24 can only be issued to bank cards of the Mir, Mastercard, or Visa payment systems. Virtual cards of other payment systems are not supported.
Receiving the loan to a bank account is allowed. You must undergo additional verification in accordance with the microcredit organization's requirements.
Applying for a microloan with Kredito 24 requires additional identification of the specified cards. All cards must be personalized; virtual cards are not accepted for fund disbursement.
- The borrower must be a citizen of the Russian Federation, which must be confirmed by passport data.
- The borrower must have registration in one of the regions of Russia.
- Loans from Kredito 24 are disbursed exclusively to a bank card.
- When filling out the application form, you must provide your SNILS or INN.
- You must upload a scan of pages 2-3 of your passport, as well as the page with your registration address.
- A mobile phone with SMS notifications serves as a signing option after the credit line is approved.
The loan matching service will help you submit your application correctly and guarantee a loan approval. According to statistics, over 86% of all applications at Kredito24.ru are approved.
- Review the tariff plan and find out which lending products will be available for you to apply for.
- Follow the link to the official website of the microfinance organization.
- Select the desired loan amount and term.
- Provide the required information from your SNILS and INN.
- Attach scanned copies of your passport and, if necessary, your INN.
- Provide your card account details, then undergo additional verification.
- Sign the electronic agreement using an SMS notification.
After that, the funds are credited to the card instantly. If you specified a bank account as the payout method, the funds will arrive within 2-3 business days.
Please note that you can independently specify the borrowing term and required amount, however, the exact amount of the available microloan will be sent to you via SMS notification. Sometimes this amount may be less than the one you specified in the application. After repaying the first loan, a second credit limit becomes available to you.
Please note that if you are applying for the first time, the maximum amount available to you will not exceed 9,000 RUB. When applying again (second, third, etc.), the microloan amount increases gradually up to 15,000 RUB. The limit is increased based on information about your payments on previous loans.
Having a bad credit history is not an obstacle to getting a loan. In this case, you will only be approved for an amount from 1,000 to 3,000 RUB. In the future, the credit limit increases according to a special scale. The interest rate is 1% per day, with no hidden fees.
In your Kredito 24 personal account, you can find information on which payment systems you can use to make repayments. The minimum term is 16 days, however, you can return the funds early by paying the principal amount of the loan and interest for the days used.
If you do not manage to pay off the microloan on time, the microfinance organization allows loan extension for a period of 15 to 30 days with an interest rate on the principal microloan amount ranging from 22.5% to 45%. A reduction in the loan interest rate is not provided, since the 1% per day tariff is currently the most attractive one for Kredito 24.
How to apply
You can apply for a microloan on the official website of the microfinance organization.
- On the main page of the website, select the amount and term, and click the "Get Money" button.
2. Next, you need to register via the Gosuslugi portal or by phone number.
3. When registering by phone number, you must enter your full name, date of birth, gender, email address, phone number, and an additional number.
Rates
By bank transfer to the company's bank details;
Through Eleksnet and MKB terminals
Calculator
Answers to questions
I filled out the application forms and submitted my application, how long should I wait for approval and review of my request?
As a rule, the average review time for an application is no more than 2 minutes. In some cases, an application may take up to 15 minutes to review.
How can I find out the decision on my application?
You will receive an SMS notification to the phone number specified in the application. If necessary, follow the link https://www.kredito24.ru/widget/orderstatus and provide the required information to clarify your inquiry.
My application was approved, how soon will the money be credited?
My application was approved, how soon will the money be credited?
Why do I have different loan approval amounts?
The microfinance organization has the right to change the size of the microloan independently. You can specify an amount, for example, 8,000 RUB, but the microfinance organization's scoring system will approve only 2,000 RUB.
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