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Articles on loans
About the loan
The MFI Aks Finance issues both short-term and long-term loans to individuals. Thus, this microfinance organization allows you to apply for up to 30,000 RUB for a term of up to 32 days and up to 100,000 RUB for a term of up to 168 days.
Terms
Aks Finance microfinance organization offers four types of microloans:
- "Sotsialny" – in the amount of 500 RUB to 30,000 RUB for a term of up to 32 days at 0.75% per day;
- "Dlya druzey" – in the amount of 500 RUB to 20,000 RUB for a term of up to 32 days at 0.8% per day;
- "Bystrye dengi postoyanny 32" – in the amount of 500 RUB to 30,000 RUB for a term of up to 32 days at 0.8% per day;
- "Stabilny+" – in the amount of 30,000 to 100,000 RUB for a term of up to 168 days at 0.77-0.8% per day.
Aks Finance MFI provides for early repayment of microloans. If the borrower wishes to close the loan before the date established by the agreement, they need to pay the principal debt and interest accrued for the actual period of using the funds. You can check the amount required for early repayment of the debt in your personal account or by calling the hotline at 8 (800) 555-46-05.
The microfinance company also allows microloan extensions. To prolong the loan, you need to pay the interest accrued for the actual period of using the funds. You can check the amount required for extending the microloan in your personal account or by calling the hotline at 8 (800) 555-46-05.
In case of failure to repay the microloan on time, the creditor charges a penalty of 20% per annum for each day of delay. Thus, if the borrower received 15,000 RUB and failed to close the debt on time, the microfinance organization will charge 8.22 RUB for each day of non-payment plus interest for using the funds.
Borrowers who meet the following requirements can get a loan from Aks Finance MFI:
- are citizens of the Russian Federation;
- have permanent registration within the territory of Russia;
- aged 18 and older;
- are fully legally capable at the time of applying for the loan.
To apply for a microloan, you will need a passport of a citizen of the Russian Federation, SNILS, or INN. In addition, you will need a debit or credit card of any bank with a positive balance and a device with Internet access.
You can receive a microloan using one of the following methods:
- to a MIR, Visa, or MasterCard bank card;
- in cash at the microfinance organization's branches.
You can repay the microloan in cash at the branches of the microfinance organization by providing the agreement number and payment amount.
Bank: not used in Russia
Beneficiary: MCC Denezhnaya Edinitsa LLC
Tax status: 3123449916
BIC: 041403633
KPP: 312301001
Checking account: 40701810107000000102
Correspondent account: 30101810100000000633
OGRN: 1193123004920
OKPO: 36160202
How to apply
You can apply for a microloan online on the official website of the microfinance organization. To do this, you need to:
- specify the desired loan amount and term on the homepage;
- check the box and click the "Get loan" button;
- specify whether in cash at the office or online to a card;
- if you selected "Online to a card", click the "Register" button;
- click the "Log in via Gosuslugi" button or enter your surname, first name, patronymic, email address, and mobile phone number;
- check the box and click "Confirm";
- enter the confirmation code from the SMS message;
- click the "Confirm" button;
- provide your passport details, registration address, and actual residential address;
- click the "Continue" button;
- indicate information about marital status, education, employment, expenses, income, and ownership of property;
- click the “Continue” button.
After filling out the application form, you will need to undergo identity verification and specify how you wish to receive the loan.
Rates
in cash at microfinance organization branches
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