Umnye Nalichnye

2,50

Microloan amount

30000 ₽

Rate, %

From 0.8 %

Age

From 18 years

Credit history

Any

Microloan term

up to 30 days

Decision

From 15 min

Apply now

Updated: 07.11.2024

Organization

Umnye Nalichnye

Phone

8-800-333-02-73

Official website

www.smartcash.ru

welcome@smartcash.ru

Updated: 07.11.2024

Apply now

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About the loan

Umnye Nalichnye is a microfinance organization that has long since proven itself. Borrowers can safely obtain a small loan of up to 30,000 RUB for a term of up to 30 days. However, please note that stricter lending terms apply to new MFO clients.

Terms

If you are contacting a microfinance organization for the first time, you can only apply for a microloan ranging from 3,000 to 9,900 RUB for a term of 5 to 30 days — a larger loan will be available if you successfully repay this microcredit.

Starting from your second application to the microfinance organization, you can apply for an amount from 3,000 to 30,000 RUB for the same term — from 5 to 30 days. The maximum interest rate for both new and regular customers does not exceed the allowable 0.8% per day.

Borrowers who meet the following requirements can apply for a loan at the microfinance organization:

are citizens of the Russian Federation;
aged 18 and older.

To get a microloan, you will only need to provide a passport of a citizen of the Russian Federation. However, the microfinance organization may request documents confirming income and employment.

Currently, a microloan can only be issued to a MIR, Visa, or MasterCard bank card.

You can repay the microloan in the following ways:

using a MIR, Visa, or Maestro bank card in your personal account;
by bank account details transfer;
via Eleksnet terminals.

How to apply

You can apply for a microloan only online — on the official website of the microfinance company. To do this, you need to:

go to the microfinance organization's website;
indicate the desired amount and term;
indicate last name, first name, and patronymic, phone number, and email address;
enter the confirmation code from the SMS message;
provide date and place of birth, gender, passport details, registration address, and actual residential address;
provide SNILS or INN details, employment information, and contact details of a third party;
specify the desired amount and term.

Rates

Amount

From 3,000 to 30,000 RUB

Term

From 5 to 30 days

Interest rate

Up to 0.8% per day

First loan

From 3,000 to 9,900 RUB for a term of 5 to 30 days at 0.8%

Penalty for missed payment

0.1% of the outstanding amount for each day of delay

Application

Online

Disbursement

To a bank card

Repayment

Bank card;
by bank account details transfer;
via Eleksnet terminals

Borrower's age

From 18 years

Income verification

Not required

Collateral

Not required

Credit history

Any

Calculator

Annuity Differentiated

Credit limit

Term / month

Rate

Loan amount

8 000 000 ₽

Overpayment

1 000 000 ₽

Total payment amount

9 000 000 ₽

Loan maturity

15.05.2022

Monthly payments

500 000 ₽

Other offers

Loan amount: 30 000 RUB

From 0 % per day

Credit history: Any

Loan term: up to 30 days

Apply

Loan amount: 50,000 RUB

From 0 % per day

Credit history: Any

Loan term: up to 180 days

Apply

Loan amount: 90,000 RUB

From 0 % per day

Credit history: Any

Loan term: up to 168 days

Apply

Loan amount: 100 000 RUB

From 0 % per day

Credit history: Any

Loan term: up to 168 days

Apply

Customer reviews

Leave a review

Olga S.

Guest

Umnye Nalichnye

I am grateful that they did not refuse the loan, even though they approved a smaller amount than I asked for... The money arrived on the card the same day, in a few minutes. I registered via Gosuslugi, there is a very simple form there.

13.11.24 at 19:39

Amaliya Karaulova

Guest

Umnye Nalichnye

I took a loan from them for the first time, and my impressions are positive. The loan amount was small, but that is exactly what I needed. The interest rates are high, of course, but they approved it quickly and without any issues. It is very convenient that you can apply online. The loan terms are transparent, everything is written clearly without any hidden pitfalls. There is an option to extend the loan if you suddenly fail to repay it on time. Customer service is top-notch. Overall, if you need money quickly and without unnecessary questions, I recommend them.

16.10.24 at 01:53

Sh@d0wSh1ft3r

Guest

Umnye Nalichnye

I came across Umnye Nalichnye when I urgently needed money. The interest rate is higher than at a bank, but approval is also faster. The loan amount I was issued is 30,000 RUB for a term of one month. All issuing conditions are transparent, with no hidden fees or catches. It's convenient that you can apply online without leaving home. Requirements for borrowers are minimal—the main thing is having a steady income. The money was transferred to my card, so I didn't have to go anywhere. Overall, the MFO is reliable. Good customer attitude, flexible repayment terms, and the option to extend the loan. The repayment schedule is clear, without any changes. The only downside is the interest rate, but on the bright side, the money is issued quickly and without unnecessary questions.

14.10.24 at 02:51