Contents

Terms for Obtaining Short-Term Loans
Borrower requirements
Pros and Cons of Short-Term Loans
Where Can You Get Short-Term Loans in 2024?

Short-term loans

The terms for obtaining microloans are roughly the same across all microfinance organizations. As a rule, an MFI offers from 2,000 to 30,000 RUB for a term of 7 to 30 days.

Sravnim24 editorial team
Imil Tkarev

Contents

Terms for Obtaining Short-Term Loans

Short-term loans

The terms for obtaining microloans are roughly the same across all microfinance organizations. As a rule, an MFI offers from 2,000 to 30,000 RUB for a term of 7 to 30 days. The maximum interest rate can reach 1% per day. Terms may vary depending on the chosen microfinance organization.

Some MFIs run promotional campaigns for new clients. Thus, borrowers who apply to a microfinance organization for the first time can take out a loan without overpayment, i.e., at 0% per day.

Borrower requirements

As a rule, microfinance organizations are more lenient toward their clients than banks. Therefore, their borrower requirements are much softer. Usually, a loan can be obtained by individuals who meet the following conditions:

citizenship of the Russian Federation;
having permanent or temporary registration within the territory of Russia;
aged 18 to 70 years;
fully legally capable at the time of application.

As for documents, very few are required. Usually, a passport and SNILS are enough to get a small loan approved. The borrower also needs a debit or credit card with a positive balance and any internet-enabled device.

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Pros and Cons of Short-Term Loans

Short-term loans

Let's start with the advantages:

The biggest advantage is the speed of application approval. Large microfinance organizations make a decision to approve or reject within a few minutes of applying.
Loyal attitude toward borrowers. Even people who would be guaranteed a bank loan refusal can get money from an MFI — those without a permanent source of income, without permanent registration in the country, or those who have had past overdue payments on other credit products.
The ability to get money without leaving home. Almost all microfinance organizations operate remotely. Therefore, you can apply and get a loan from anywhere in the country.
Minimal package of documents. MFIs do not request income and employment certificates — only a passport and SNILS are required to apply.

Now let's move on to the disadvantages:

The most significant disadvantage of short-term loans is the very high interest rate. It often reaches 292% per annum compared to 20% per annum in banks.
Small loan amount. It is rare to get more than 100,000 RUB from a microfinance organization. New clients can only apply for a maximum of 30,000 RUB.
Short lending term. In fact, loans are issued until the next payday — the term rarely exceeds 30–35 days.

Where Can You Get Short-Term Loans in 2024?

At the end of the article, we will tell you where you can apply for a small loan in 2024. For convenience, we have presented the general information in a table and added a brief description for each microfinance company.

Name of the microfinance organization	Loan amount	Loan term	Interest rate
Zaimer	from 2,000 to 100,000 RUB	from 7 days to 12 months	from 0% to 0.8% per day
MoneyMan	from 1.5 to 100 thousand rubles	from 5 days to 18 weeks	from 0% to 0.8% per day
Ezaem	from 3 to 55 thousand rubles	from 5 to 168 days	from 0% to 0.8% per day
eKapusta	from 100 RUB to 30,000 RUB	from 7 to 21 days	from 0% to 0.8% per day
Turbozaim	from 3,000 to 100,000 RUB	from 1 day to 24 weeks	from 0% to 0.8% per day
Dengi Srazu	from 1,000 to 30,000 RUB	from 1 to 30 days	up to 0.8% per day
Web-zaim	from 3 to 30 thousand rubles	from 7 to 30 days	from 0% to 0.8% per day
Bistrodengi	from 1,000 to 1,000,000 RUB	from 1 day to 3 years	from 0% to 0.8% per day
MigCredit	from 3,000 to 100,000 RUB	from 3 days to 52 weeks	from 0% to 0.8% per day

Zaimer

loan amount: from 2,000 to 100,000 RUB;
lending term — from 5 days to 12 months;
interest rate — from 0% to 0.8% per day.

At Zaimer, you can get your first loan interest-free. New clients can get from 2,000 to 30,000 RUB for a term of up to 21 days here. Afterward, you can apply for the same amount for up to 35 days at 1% per day.

Regular borrowers can take out a long-term loan here ranging from 2,000 to 100,000 RUB for a term of 31 days to 12 months. The minimum interest rate on it is 0.3% per day.

Zaimer imposes the following requirements on its borrowers:

hold citizenship of the Russian Federation;
having permanent registration within Russia;
age 18 and older;
full legal capacity.

MoneyMan

loan amount: from 1,500 to 100,000 RUB;
loan term—from 5 days to 18 weeks;
interest rate — from 0% to 0.8% per day.

MoneyMan also offers a first loan with zero interest. New clients can apply for an amount from 1.5 to 15 thousand RUB for a term of 5 to 21 days. Starting from the second application, borrowers can access a microloan of up to 100 thousand RUB for a term of up to 18 weeks.

MoneyMan imposes the following requirements on its borrowers:

hold citizenship of the Russian Federation;
age from 18 to 70 years.

Ezaem

loan amount ranges from 3,000 to 55,000 RUB;
loan term ranges from 5 to 168 days;
interest rate — from 0% to 0.8% per day.

Here, new borrowers can also take out an interest-free loan. To do this, they need to apply for a microloan ranging from 3 to 15 thousand RUB for a term of 5 to 35 days. From the second application onwards, Ezaem allows you to borrow from 3 to 55 thousand RUB for a term of up to 168 days, but at a rate of up to 0.8% per day.

Ezaem imposes the following requirements on its borrowers:

hold citizenship of the Russian Federation;
permanent or temporary registration, as well as a place of residence in Russia;
age from 18 to 65 years;
having a steady source of income.

eKapusta

loan amount—from 100 to 30,000 RUB;
loan term—from 7 to 21 days;
interest rate — from 0% to 0.8% per day.

EKapusta also runs a special promo for new clients. Here you can apply for an amount from 100 RUB to 30 thousand for a term of 7 to 21 days. The maximum interest rate in the company is 0.8% per day.

eKapusta imposes the following requirements on its borrowers:

hold citizenship of the Russian Federation;
age 18 and older.

Turbozaim

loan amount: from 3 to 100 thousand RUB;
loan term: from 1 day to 24 weeks;
interest rate — from 0% to 0.8% per day.

At Turbozaim, borrowers can get a loan ranging from 3 to 100 thousand RUB for a term of 7 days to 24 weeks. The interest rate here ranges from 0% per day for new clients to 0.8% for returning ones.

Turbozaim imposes the following requirements on its borrowers:

hold citizenship of the Russian Federation;
registration at the place of stay or residence in Russia;
age from 18 to 65 years;
having a steady source of income.

Dengi Srazu

loan amount: from 1 to 30 thousand RUB;
loan term: from 1 to 30 days;
interest rate: up to 0.8% per day.

MoneyMan's competitor Dengi Srazu offers short-term microloans ranging from 1 to 30 thousand RUB for a term of 1 to 30 days. The maximum interest rate in both cases is 0.8% per day.

Dengi Srazu imposes the following requirements on its borrowers:

hold citizenship of the Russian Federation;
having permanent registration within Russia;
age 18 and older.

Web-zaim

loan amount—from 3,000 to 30,000 RUB;
loan term—from 7 to 30 days;
interest rate — from 0% to 0.8% per day.

Webbankir also offers a loan for new clients. Borrowers applying to the microfinance company for the first time can get a loan without overpayment. To do this, they need to apply for an amount from 3 to 30 thousand RUB for a term of up to 14 days. In all other cases, the interest rate does not exceed 1% per day.

Webbankir imposes the following requirements on its borrowers:

hold citizenship of the Russian Federation;
age from 18 to 90 years.

Bistrodengi

loan amount: from 1,000 to 1 million RUB;
loan term: from 1 day to 3 years;
interest rate — from 0% to 0.8% per day.

This company also offers an interest-free first loan for new clients. Starting from the second application at Bystrodengi, you can take out a microloan ranging from 1,000 to 1 million RUB for a term of 1 day to 3 years with an interest rate of up to 0.8% per day.

Bystrodengi imposes the following requirements on its borrowers: