Kosmikzaim

At Kosmikzaim microfinance company, you can get a short-term loan ranging from 2,000 to 30,000 RUB for a term of 5 to 21 days, and a long-term loan ranging from 2,000 to 100,000 RUB for a term of 5 to 365 days. In any case, the interest rate here does not exceed the statutory 0.8% per day or 292% per annum. 

First-time borrowers at the MFO can receive from 2,000 to 30,000 RUB for a term of 5 to 21 days at 0% per annum, provided the microloan is repaid on time.

Early repayment of the microloan is available at Kosmikzaim MFO. To repay the loan ahead of the schedule established by the payment plan, you must pay off the principal debt and the interest accrued for the actual time the money was used.

Loan extension is also available at the microfinance organization. To extend the microloan, you must pay the interest accrued for the actual days the money was used. You can check the amount required for the loan extension in your personal account on the organization's website or by calling the hotline at +7 (800) 505-44-00.

In case of untimely repayment of the microloan, Kosmikzaim MFO charges a penalty of 0.1% for each day of delay, but no more than 20% per annum. For example, if a borrower received 25,000 RUB and failed to clear the debt on time, the lender will charge a fine of 13.70 RUB for each day of non-payment plus accrued interest.

Borrowers who meet the following requirements can apply for a microloan at Kosmikzaim MFO:

• are citizens of the Russian Federation;
• have permanent registration within the territory of Russia;
• aged 18 to 65.

To obtain a loan from the microfinance organization, a passport of a citizen of the Russian Federation is sufficient. In addition, you will need a debit or credit card from 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;
• to a bank account using bank details;
• to a YooMoney electronic wallet;

You can repay the microloan using one of the methods listed below:

• via a Mir, Visa, or Mastercard bank card — enter your card details in your personal account, and the required amount will be debited on the payment date;
• via bank account details: in your internet bank or mobile app, you will need to enter the MFI's details, the contract number, and the payment amount;
• at "Eleksnet" terminals — you will need to select the MFO in the menu, indicate the contract number and payment amount.

Bank: PJSC "Sberbank of Russia"

Recipient: LLC MCC "SF"

Tax ID (INN): 7704493556

BIC: not used

KPP: 420501001

Current account: 40701810326000000153

Correspondent account: not used

OGRN: 1197746381876