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About the loan
“eKapusta” is a well-known and reliable microfinance organization. Here, borrowers can get up to 30,000 RUB for up to 21 days on a bank card, account, or YuMoney electronic wallet without leaving home.
Terms
In the “eKapusta” MFI, you can only get a short-term microloan. Borrowers can access from 100 RUB to 30,000 RUB for a term of 7 to 21 days. The interest rate in any case does not exceed the maximum allowable 0.8% per day or 292% per annum.
Clients who contact the microcredit company for the first time can get a loan at 0%. To get it, borrowers need to apply for a microloan for any available amount and term and repay it strictly on time. In case of payment delay, the MFI will charge interest for each day of using the money.
Early loan repayment is available at the MFI. To close the microloan earlier than the date specified in the agreement, you need to pay the principal amount and interest accrued for the actual days the money was used.
The MFI also allows loan prolongation. You can do this in your personal account on the microfinance organization's website. To do this, you need to select the term for which you want to extend the loan and pay the interest accrued for the actual days the money was used.
The “eKapusta” microfinance organization does not charge a penalty for payment delays. At the same time, the company necessarily transfers information about overdue debt to the Credit History Bureau.
Borrowers who meet the following requirements can apply for a loan at the “eKapusta” microcredit company:
- Russian citizenship;
- with permanent or temporary registration in Russia;
- aged 18 and older.
The only document required to apply for a microloan is a passport of a citizen of the Russian Federation.
In addition to documents, getting a microloan requires a phone with an active SIM card and a device with internet access.
You can receive money with interest in the following ways:
- transfer to a Mir, Visa, or MasterCard bank card;
- bank account transfer using bank details;
- transfer to a YuMoney electronic wallet;
- cash via the Zolotaya Korona money transfer system.
You can repay your debt to the microfinance organization using the following methods:
- in your personal account via transfer from Mir, Visa, or MasterCard bank cards;
- transfer from a bank account using bank details;
- transfer from a YuMoney electronic wallet.
Bank: JSC "ALFA-BANK", Novosibirsk
Beneficiary: MCC "Rusinterfinance" LLC
Tax status / INN: 5408292849
BIC: 045004774
KPP: 540801001
Current account: 40701810623130000002
Correspondent account: 30101810600000000774
OGRN: 1125476023298
How to apply
You can apply for a microloan only online on the microcredit company's website. To do this, you need to do the following:
- On the microfinance organization's homepage, specify the desired loan amount and term.
- Click the "Get for free" button.
- Provide your full name, date of birth, passport details, email address, and mobile phone number.
- Check the box.
- Click the "Register" button.
- Provide your permanent registration and actual residential addresses, employment details, mobile phone number, contact person's name, and additional information.
- Enter the confirmation code from the text message.
- Click the "Register" button.
- Link your social media profiles to your personal account.
- Click the "Continue" button.
- Answer the credit history questions.
- Click the "Continue" button.
- In case of a positive decision, click the "Continue" button.
- Specify the desired amount and term, and select the loan disbursement method.
- Click the "Continue" button.
- Enter the confirmation code from the text message.
- Check the required boxes.
- Click the "Get Loan" button.
Rates
Repeat loans - 0.8% per day
to a YooMoney (Yandex.Money) wallet
Zolotaya Korona
Bank transfer
QIWI
YooMoney (Yandex.Money)
Contact
Calculator
Answers to questions
Can a pensioner get a loan from eKapusta?
Yes, the company considers all Russian citizens over 18 years of age with no upper age limit. You can be employed or rely solely on a pension.
How long does it take to review an application?
Registration takes about 10 minutes, and application review takes about 1-2 minutes.
Can I get a loan from eKapusta with a bad credit history?
Yes. All applicants are evaluated under standard terms. A negative credit history alone is not a reason for rejection. If the rest of the application details are satisfactory, the borrower may be approved.
How long will it take for the funds to be credited to my account?
Depending on the chosen disbursement method. The most popular is a bank card, funds are credited instantly. You can also receive money quickly via YooMoney and QIWI.
How to check the payment amount?
In your personal account on the eKapusta website.
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