Online Microloan Rankings — Who is in the Top?

Microloan Ranking by Application Method

This differentiation assumes only two types of loan applications: in person at the organization's office (representatives in your locality) or online on the lender's website.

Applying for a cash microloan is very simple. Taking a Russian citizen's passport (the only condition is that the borrower must be of legal age and under seventy years old), you can visit a microfinance organization's office, where an employee will help fill out all the necessary documents and then hand over the borrowed money in person. The amount available for this type of loan ranges from 10,000 to 50,000 RUB at low interest rates (compared to interest rates at a large bank).

So, who holds the top positions in the ranking of cash loans by popularity (frequency of requests)?

Position	Name	Allowed amount	Interest rate	Term
1	Tsentrofinans	Up to 500,000 RUB	0.8% per day	1–180 days
2	Max.Credit	Up to 100,000 RUB	0.8 per day	1–180 days
3	Turbozaim	Up to 100,000 RUB	0.8% per day	1-168 days

An online loan is also very simple to arrange. At any convenient time of day and in a comfortable place for you, using an internet-connected device, you submit an application and sign the agreement. Another advantage of such a loan is that before applying, you can review all Russian microfinance organizations, their terms, and interest rates on their websites to choose the most suitable one.

Let's see which microfinance companies are popular in this category.

Position	Name	Available amount	Interest rate	Term
1	Joymoney	Up to 100,000 RUB	0.8% per day	5–168 days
2	SrochnoDengi	Up to 100,000 RUB	0.8% per day	1–180 days
3	A Dengi	Up to 30,000 RUB	0.8% per day	7-30 days
4	Zaymigo	Up to 30,000 RUB	0.8% per day	5-30 days

Online Loan Ranking by Money Transfer Method

Life in a technologized world provides us with various opportunities, methods, and tools to manage our finances. This is how electronic payment systems emerged: online bank cards, electronic wallets (QIWI, Yandex.Money, WebMoney, and others). In fact, all these methods are convenient and practical to use; it's simply a matter of choice for each individual user. They can also be used in microcredit activities.

We have also compiled a ranking of online loans taking into account all types of payment systems to which microcredit organizations transfer loans.

Position	Name	Available amount	Interest rate	Term	Methods of receiving money
1	Web-zaim	3,000 — 30,000 RUB	0.8% per day	7-30 days	Bank card, bank account
2	Krediska	4,000 — 30,000 RUB	0.8% per day	5–25 days	MIR, Visa, or MasterCard bank card
3	eKapusta	100 — 30,000 RUB	0.8% per day	7–21 days	Bank card, YuMoney, Zolotaya Korona
4	Hurma Credit	5,000 — 30,000 RUB	0.8% per day	5–25 days	Bank card, bank account
5	BeriBeru	5,000 – 30,000 RUB	0.8% per day	5–25 days	Bank card, bank account

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How to Apply for an Online Card Loan

After analyzing the card loan ranking and reviewing information about microfinance organizations on their websites, we choose a specific one and then proceed with the loan application process itself. How do you do this?

First, register on the microfinance organization's website.

Second, click "Get money" and fill out the application by providing your personal data (full name, Russian passport details, phone number, and receiving method – to a card).

Third, after receiving a loan approval message (usually taking up to half an hour) in your personal account on the website, fill out a special agreement specifying your bank card details (it must be issued in the borrower's name).

Fourth, within a certain period (from one hour to a day), the microfinance organization will transfer the money to the specified card, and you can freely use it as needed.

So what is the 2024 loan rating like?

Based on the analytical information presented above, we can safely highlight the top 3 microfinance companies that provide microcredit services both in cash and to bank cards or electronic money systems, and are in high demand among the population of Russia: in first place is Web-Zaim, in second is Crediska, and in third is eKapusta. Therefore, you can safely apply to these companies for loans.