Nado Deneg

Early repayment of a microloan is available at Nado Deneg. To close a loan ahead of schedule, you need to pay the principal debt and the interest accrued for the actual days the borrowed funds were used. Early repayment is available on any day of the microloan term. 

If the borrower does not have enough funds to fully repay the microloan, they can extend it for 30 days. To use the loan extension service, you simply need to pay the interest accrued for the actual period the money was used. This can be done in your personal account.

The loan extension service can be used no more than 5 times in a row — after that, the microloan must be repaid. 

If the borrower fails to repay the debt on time and does not apply for the microloan extension service, the lender charges a penalty. Its amount is 0.05% per day, but no more than 20% per annum. 

Let's look at a short example. If a client receives a loan of 21,000 RUB for a term of 14 days and fails to repay the debt on time, their penalty will be 10.5 RUB for each day of delay, plus the interest accrued for the actual days the money was used.

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;
• no overdue debt on current loans.

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

To apply for a microloan, you need to provide the following documents:

• Russian citizen passport;
• SNILS.

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 MasterCard bank card in your account;
• by bank account details transfer;
• via QIWI terminals;
• in cash via the Zolotaya Korona money transfer system;
• at Russian Post branches.

Банк: АО “Т-Банк”

Recipient: LLC MCC "SMEV"

Tax status: 6318055845

BIK: 044525974

KPP: 631201001

Settlement account: 40701810600000005363

Correspondent account: 30101810145250000974

OGRN: 1206300029132