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About the loan
"PapaZaim" is a microfinance organization that has been operating since 2019. Borrowers can get up to 100 thousand RUB for a term of 13 to 52 weeks transferred to a bank card without leaving home.
Terms
At the microfinance organization "PapaZaim", you can only apply for a long-term microloan ranging from 11 to 100 thousand RUB for a term of 13 to 52 weeks. In any case, the maximum interest rate does not exceed the statutory 0.8% per day for both new and returning borrowers.
Early repayment of the loan is available at the microfinance organization. To close the debt ahead of schedule, you need to pay the principal loan amount and the interest accrued for the actual days the money was used.
Loan extension is also available at the microfinance organization "PapaZaim". To extend the microloan, you need to pay the interest accrued for the actual time the money was used. Thus, you can extend the microloan for a period of up to four weeks.
In case of delayed loan payment, the microfinance organization "PapaZaim" charges a penalty of 20% of the total debt amount. Thus, if a borrower takes out 5 thousand RUB and fails to repay the loan on time, the late payment fee will be 2.74 RUB per day plus accrued interest.
Borrowers who meet the following requirements can obtain a loan from the microfinance organization:
- are citizens of the Russian Federation;
- have permanent registration in any region of Russia;
- aged 18 to 75 years old;
- fully legally capable at the time of concluding the agreement;
- have no outstanding debt with the microfinance organization.
Only a passport of a citizen of the Russian Federation is required to apply for a microloan.
To date, a microloan can only be received on a Mir, Visa, or MasterCard bank card.
You can repay the microloan using the following methods:
- in your personal account using MIR, Visa, or MasterCard bank cards;
- via bank account details;
- at Russian Post branches;
- on the website using the contract number.
To repay the loan in your personal account using bank cards, you need to specify the payment amount and card details. In the second case, you need to enter the microfinance organization's details, the borrower's full name, the contract number and date, and the payment amount in your online banking or mobile app personal account. The same information must be provided when paying at Russian Post branches. To repay the microloan by contract number, you need to specify the number on the microfinance organization's website and the debt amount.
LLC MFC "PapaZaim"
INN 7459006708
KPP 745301001
Beneficiary Bank PJSC PROMSVYAZBANK Moscow
Current account 40701810900000001912
Correspondent account 30101810400000000555
BIC 044525555
How to apply
You can apply for a loan only online — on the official website of the microfinance organization "PapaZaim". To do this, you need to:
- go to the microfinance organization's website;
- specify the desired loan amount and term;
- click the "Get a loan" button;
- enter your mobile phone number, full name, email address, and password;
- click the “Next” button;
- enter the confirmation code from the SMS message;
- check the required boxes and click the "Next" button;
- enter passport details, gender, and SNILS;
- check the box and click the "Next" button;
- indicate the registration address and actual residential address;
- click the “Next” button.
Next, the borrower will need to undergo identity verification, provide employment details, and select the loan disbursement method.
Rates
via bank account details;
at Russian Post branches;
on the website by contract number
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