Tvoi Zaimy

In the microfinance organization "Your Loans", only long-term microloans are available to borrowers. Here, clients can apply for 1,000 to 100,000 RUB for a term of 1 to 12 months. The minimum interest rate in the MFO is 0% per annum, and the maximum is 292% per annum or 0.8% per day.

Overpayment primarily depends on the amount and term of the loan, as well as on the individual characteristics of the borrowers: their credit history, debt load, place of work, salary amount, and so on.

In this microcredit company, as in any other, early repayment of a microloan is available. To close the loan ahead of schedule, you need to pay the principal amount of the debt, as well as interest accrued for the actual period of using the money.

Also, a microloan prolongation service is available in the microfinance organization. To extend the loan, it is enough to pay only the interest accrued for the actual days of using the borrowed funds, and the principal amount of the debt will be transferred to a new term. You can do this in your personal account on the MCC's official website.

If the borrower does not make payments on time and does not apply for the loan prolongation service, the microfinance organization charges a penalty. Its amount is 20% per annum.

For example, if a person took out 15,000 RUB with interest and did not return it within the agreed period, for each day of delay, the MFO "Your Loans" will charge a fine in the amount of 8.20 RUB. In addition, the borrower will also need to pay interest accrued for each day of using the borrowed funds.

The microcredit company imposes rather strict requirements on its borrowers:

• Russian citizenship;
• permanent registration at a place of residence in the Russian Federation;
• age 18 and older;
• work experience at the current place of work from 3 months.

As for documents, to get a microloan you need:

• Russian citizen passport;
• pension certificate, if the borrower is a pensioner;
• A INSURANCE NUMBER (SNILS);
• TIN (INN).

You can get microloans from the MCC "Your Loans" in two ways:

• by transfer to a bank card of the MIR, Visa, or Mastercard payment systems;
• in cash at the microfinance organization's office.

You can repay your debt to the MFI using the following methods:

• 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 your internet bank or mobile app, you will need to enter the MFI's details, the contract number, and the payment amount;
• at the branches of the Zolotaya Korona money transfer system — you will need to state the agreement number and the payment amount.

Bank: Tinkoff Bank JSC

Recipient: Gillion MKK LLC

Tax status: 2465177117

BIK: 044525974

KPP: 745301001

Current account: 40701810400000007671

Correspondent account: 30101810145250000974

OGRN: 1182468006016

OKPO: 24932062