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About the loan
"Dostupnye Dengi" is an MFI that has been issuing loans since 2009. It operates on behalf of four microfinance companies: LLC MCC "KV Pyaty Element Denengi", "Pensionnaya KV Denengi", "KV Vyatka", and "KV Denengi Lyudyam".
Terms
At the "Dostupnye Dengi" MFI, borrowers can get both a short-term loan ranging from 1,000 to 30,000 RUB for a term of 1 to 35 days, and a long-term loan ranging from 10,000 to 100,000 RUB for a term of 60 to 275 days. In both cases, the interest rate does not exceed the legally established 0.8% per day or 292% per annum.
Early loan repayment is possible at the "Dostupnye Dengi" MFI. To use this service, you need to deposit the amount required to repay the principal debt and the interest accrued for the actual time you used the money.
Loan extension is also available at the MFI. To extend a microloan, you must pay the interest accrued for the entire time you used the money. You can check the required amount in your personal account on the microfinance company's website.
If the borrower does not use the loan extension service and fails to repay the microloan on time, the lender charges a penalty of 0.1% for each day of delay, but not more than 20% per annum of the debt.
For example, if a client received 30,000 RUB but failed to repay the debt on time, their penalty will be 16.44 RUB per day plus accrued interest.
Borrowers who meet the following requirements can get a loan from the "Dostupnye Dengi" MFI:
- are citizens of the Russian Federation;
- have registration at their place of residence or temporary stay in Russia;
- aged 18 and older;
- have continuous work experience at their current job for at least one month.
To apply for a microloan, you will need a Russian citizen passport and an insurance number (SNILS). You will also need a personalized bank card from any Russian bank and a device with internet access.
Currently, it is only possible to receive a microloan to a Mir, Visa, or MasterCard bank card, or in cash at an MFI branch.
You can repay your debt to the "Dostupnye Dengi" MFI using the following methods:
- in cash at an MFI branch;
- via the Zolotaya Korona money transfer system;
- to a bank account.
How to apply
You can apply for a loan only online—on the official website of the "Dostupnye Dengi" MFI. To do this, you need to:
- go to the microfinance organization's website;
- indicate the desired amount and term;
- click the "Get Money" button;
- indicate your locality, last name, first name, patronymic, date of birth, and mobile phone number;
- check the box and click the "Get Money" button.
After filling out the application, an MFI specialist will contact the borrower and announce the preliminary decision on the application. A response may also be sent via SMS message.
Rates
in cash at the microfinance organization's office
via the Zolotaya Korona money transfer system;
to a bank account
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