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About the loan
"Kreditkassa" is a brand under which four microfinance organizations operate at once: "KV Pyaty Element Dengi", "Pensionnaya KV Dengi", "KV Vyatka", and "KV Dengi Lyudyam".
Terms
At "Kreditkassa", borrowers can take out a short-term loan from 1,000 to 30,000 RUB for a term of 5 to 35 days and a long-term loan from 10,000 to 100,000 RUB for a term of 60 to 270 days. The minimum interest rate here is 0.4% per annum. And the maximum overpayment does not exceed the 0.8% per day permitted by law.
Early repayment of a microloan is available at "Kreditkassa". In order to close a loan earlier than the scheduled date, you need to pay the principal debt and interest accrued for the actual time the money was used. You can check the amount required for early repayment of a microloan in your personal account on the company's website.
The company also offers a microloan extension option. To extend a loan, you must pay the interest accrued for the actual period the funds were used. You can check the amount required for a microloan extension in your personal account on the company's website.
In case of late repayment, the MFO charges a penalty of 20% per annum on the overdue debt amount. For example: if a borrower received 20,000 RUB but did not repay the microloan on time, the penalty would be 10.96 RUB for each day of non-payment, plus accrued interest.
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;
- have a permanent source of income.
To apply for a microloan, you must provide a passport of a citizen of the Russian Federation. Additionally, you will need a debit or credit card from any bank with a positive balance and a device with internet access.
Microloans can only be received on a MIR, Visa, or MasterCard bank card.
You can repay a microloan using a MIR, Visa, or MasterCard bank card — simply enter your card details in your personal account, and the required amount will be debited on the payment date.
How to apply
You can apply for a microloan online on the official website of the microfinance organization. To do this, you need to:
- on the main page of the website, specify the desired amount and term, indicate whether you are employed or a pensioner, and choose between an online loan or cash;
- click the "Get Money" button;
- enter your mobile phone number;
- click the “Get SMS Code” button;
- enter the confirmation code from the SMS message;
- click the “Send” button;
- click the “Gosuslugi” button or “Enter registration details”;
- if you selected “Enter registration details”, provide your surname, first name, patronymic, date of birth, and mobile phone number;
- check the box and click the "Next" button;
- provide your gender, SNILS, place of birth, permanent registration address, actual residential address, additional mobile phone number, and email address;
- check the required boxes and click the "Next" button;
- provide information about your employer, education, marital status, and income;
- click the “Next” button;
- click the “Log in to personal account” button.
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