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Articles on loans
About the loan
"ZajmiRUB" is a microcredit organization specializing in issuing microloans to individuals. This company is not new; it has been operating in Russia since 2018 and has therefore already managed to establish a solid reputation among clients. Today, you can only get a short-term loan of up to 30,000 RUB for a term of up to 30 days here.
Terms
In this MFI, as in all others, early repayment is available. To close a microloan ahead of schedule, you need to pay the principal debt amount and the interest accrued for the actual days of using the borrowed funds.
Loan extension is also possible in this microfinance organization. To extend the loan, it is enough to pay only the interest accrued for the actual time the money was used, while the principal debt amount will be carried over to a new term.
If the borrower fails to repay the debt by the established deadline, the lender charges a penalty. Its amount is 20% per annum. That means if a client takes out a microloan of 6,000 RUB and delays the payment, the penalty amount will be 3.28 RUB for each day of delay.
There are few requirements for borrowers in this microfinance organization. To apply for a microloan, you need to:
- have citizenship of the Russian Federation;
- have permanent registration within Russia;
- be at least 21 years old and not older than 64.
Only a Russian citizen's passport is required to submit a loan application.
In the "ZajmiRUB" MFI, you can only receive a microloan via transfer to a bank card of the "MIR", "Visa" or "MasterCard" payment systems.
You can repay the debt to the microcredit company in the following ways:
- 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 internet banking or the mobile app, you will need to specify the IFC's details, agreement number, and payment amount.
Bank: ST. PETERSBURG BRANCH OF PJSC "PROMSVYAZBANK"
Beneficiary: Fastmoney.ru MCC LLC
Tax ID: 7805714988
BIC: 044030920
KPP: 780501001
Current account: 40701810906000000616
Correspondent account: 30101810000000000920
OGRN: 1177847323741
OKPO: 19725680
How to apply
You can apply for a loan only on the microfinance organization's website. To do this, you need to do the following:
- on the microcredit company's main page, specify the desired amount and term, and click the "Get Money" button;
- enter your mobile phone number and click the "Continue" button;
- enter the confirmation code from the SMS message, check the box, and click the "Continue" button;
- specify the desired amount and term, and click the "Get Money" button;
- enter your last name, first name, and patronymic, check the box if necessary, specify your gender, date and place of birth, email address, and click the "Continue" button;
- enter passport details and registration address, and click the "Continue" button;
- provide education, marital status, employment, and income details, then click the "Continue" button.
After filling out the application form, the prospective borrower will need to provide bank card details and undergo identity verification.
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