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Articles on loans
About the loan
"Skela Money" is a relatively new microcredit organization. It has been operating only since 2022. However, it has already managed to establish a strong reputation among borrowers. Today, you can get up to 100,000 RUB for a period of up to 168 days here.
Terms
The microfinance organization "Skela Money" offers a choice of four tariff plans:
- Target 0.75% tariff. Under this tariff plan, borrowers can access a loan ranging from 11,000 to 100,000 RUB for a period of 7 to 168 days. The interest rate here is 0.75% per day.
- Start tariff. In this case, clients can apply for a loan ranging from 5,000 to 30,000 RUB for a period of 7 to 28 days. The interest rate in this case is 0.8% per day.
- Interest-Free tariff. Under this tariff plan, borrowers can receive a microloan ranging from 5,000 to 50,000 RUB for up to 7 days. The interest rate is 0% per day, provided the loan is repaid on time.
- Target 0.8% tariff. In this case, borrowers can access from 11,000 to 100,000 RUB for a period of 7 to 168 days. The interest rate here is 0.8% per day.
In the "Skela Money" microfinance organization, as in many microcredit companies, early repayment of a microloan is possible. To close a loan ahead of the schedule established by the agreement, you need to repay the principal debt amount and the interest accrued for the actual time the money was used.
Microloan prolongation is also available in the microcredit company. To extend the loan, you only need to pay the interest accrued for the actual period of using the borrowed funds, while the principal debt amount will be rolled over to a new term.
If a borrower allows a payment delay, the microfinance organization charges a penalty. Here it is 20% per annum. Let's give a small example: a client took out a microloan of 40,000 RUB and failed to make the payment on time. In this case, the microfinance organization will charge a fine of 21.86 RUB for each day of delay plus interest.
Borrowers who meet the following requirements can apply for a microloan in this microfinance organization:
- Russian citizenship;
- with permanent registration in the Russian Federation;
- aged 18 to 85 years old;
- with a steady income.
A Russian internal passport is all you need to apply for a microloan.
You can receive borrowed funds from the "Skela Money" microfinance organization only to a bank card of the MIR, Visa, or MasterCard payment systems.
You can also repay the debt to the creditor using a MIR, Visa, or MasterCard bank card. To do this, you need to enter your card details in your personal account, and the required amount will be debited on the payment day.
Bank: not used
Recipient: MCC "Zanimatelnye Finansy"
Tax ID (INN): 9717113526
BIC: 044525225
KPP: 771701001
Current account: 40701810638000011980
Correspondent account: 30101810400000000225
OGRN: 1227700228766
OKPO: 94358676
How to apply
You can apply for a microloan in this MFO only online — on the official website of the credit organization. To do this, you need to:
- indicate the required loan amount and term on the microfinance organization's main page;
- click the "Apply for a loan" button;
- enter the desired loan amount and term again, provide your full name, date of birth, mobile phone number and email address, region of loan issuance, nearest city, actual residential address, passport details, and registration address;
- check the box;
- click the "Submit application" button.
In case of a positive decision on the application, you will need to undergo identity verification and enter bank card details.
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