Microloan

Microzaim IFC offers a special promotion for new customers. They can receive a microloan ranging from 5,000 to 30,000 RUB for a term of up to 30 days. In this case, the interest rate will be 0% per day for the first 3 days, and 0.8% per day starting from the fourth day. 

Outside of the promotion, borrowers can apply for 5,000 to 30,000 RUB for a term of up to 30 days, or 31,000 to 50,000 RUB for a term of 84 or 168 days. The interest rate at Microzaim IFC does not exceed the legally established 0.8% per day.

Microzaim IFC provides the option for early repayment of the microloan. If you wish to repay the loan before the scheduled date, you must fully pay off the principal amount and the interest accrued for the period you used the loan.

Additionally, microfinance organization clients can use the loan extension service. Loan prolongation is possible no more than five times for a period corresponding to the contract terms. To prolong the loan, you must pay the interest accrued for the actual period the funds were used.

In case of untimely loan repayment, Microzaim IFC charges a penalty of 20% per annum for each day of default. For example, if a borrower takes a microloan of 10,000 RUB and fails to repay it on time, the company charges a fine of 5.48 RUB for each day of overdue payment, as well as interest for using the loan.

Borrowers who meet the following requirements can apply for a microloan at Microzaim IFC:

• are citizens of the Russian Federation;
• have permanent registration within the territory of Russia;
• aged 18 to 80 years old;
• have a steady source of income;
• are fully legally capable at the time of applying for the loan.

To apply for a microloan, you will only need a passport of a citizen of the Russian Federation, as well as 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;
• in cash at the microfinance organization's branches.

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;
• in cash at the microfinance organization's branches — you will need to provide the contract number.

Bank: Krasnodar Branch No. 8619 of PJSC Sberbank

Beneficiary: LLC MCC "Microzaim"

Tax ID / INN: 2308170753

BIC: 040349602

Checking account: 40701810330000000085 

Correspondent account: 30101810100000000602

OGRN: 1102308007548