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Articles on loans
About the loan
The microfinance organization BUDGETT is an online microloan issuance service. The company has been operating only since 2020, but during this time it has managed to establish itself as a responsible and reliable lender. Today, borrowers can receive from 15,000 to 300,000 RUB here for a term of up to 36 months at a comparatively low rate.
Terms
The microfinance organization BUDGETT offers three types of microfinance products: "Standard", "Interest Only", and "Payday":
- "Standard". In this case, loan repayment occurs in equal installments each month throughout the entire loan term. Each payment consists of both the principal debt and interest.
- "Interest Only". In this case, borrowers need to pay only the interest for using the money on a monthly basis, and only afterwards — the principal debt.
- "Payday". In this case, borrowers need to repay both the principal debt and the interest for using the money in a single payment.
The loan term for the "Standard" and "Interest Only" tariffs ranges from 1 to 36 months, while for the "Payday" tariff it is no more than one month. In any case, the interest rate here does not exceed 0.8% per day.
Early loan repayment is available at the BUDGETT microfinance organization. In order to close the microloan earlier than the date established by the schedule, it is necessary to pay the principal debt and the interest accrued for the actual period of using the money. You can clarify the exact amount required for early loan repayment in your personal account.
Loan extension is also available at the microfinance organization. In order to extend the loan, it is necessary to pay the interest accrued for the actual period of using the money. You can clarify the amount required for the microloan extension in your personal account.
In the event of untimely repayment of the microloan, the BUDGETT microfinance organization charges a penalty of 20% per annum for each day of delay. Thus, for example, if a borrower received 40,000 RUB but did not repay the loan on time, their penalty will amount to 21.92 RUB for each day of non-payment plus accrued interest.
Borrowers who meet the following requirements can obtain a loan from the BUDGETT microfinance company:
- are citizens of the Russian Federation;
- aged 18 and older.
To submit an application for a microloan, you must provide a passport of a citizen of the Russian Federation and confirm your income via the "Open Banking" mechanism or with a bank account statement. In addition, a debit or credit card of any bank with a positive balance and a device with Internet access will be required.
Microloans can only be received on a MIR, Visa, or MasterCard bank card.
You can repay a microloan using a MIR, Visa, or MasterCard bank card — simply enter your card details in your personal account, and the required amount will be debited on the payment date.
Bank: JSC TINKOFF BANK
Recipient: MCC Digital Money
Tax ID (INN): 7710140679
BIK: 044525974
KPP: 544501001
Current account: 40701810100000004550
Correspondent account: 30101810145250000974
OGRN: 1195476084968
OKPO: 45878616
How to apply
You can apply for a microloan online on the official website of the microfinance organization. To do this, you need to:
- click the "Get Money" button on the main page of the website;
- enter your mobile phone number;
- click the "Get code" button;
- enter the last four digits of the incoming number;
- come up with a login password and repeat it;
- click the “Next” button;
- enter the full name;
- click the “Next” button;
- indicate passport details;
- click the “Next” button;
- indicate the date and place of birth;
- click the “Next” button;
- verify the entered data;
- click the “Next” button.
After filling out the application form, in the event of a positive decision on the application, you will need to undergo identity verification and indicate the method of receiving the loan.
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