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Articles on loans
About the loan
MFI "DengiMigom" is a microfinance organization that offers fast and affordable microloans for individuals. Here, any borrower can get up to 30,000 rubles for a term of up to 30 days using just a passport.
Terms
Borrowers applying to MFI "DengiMigom" for the first time can get their first loan without overpayment. Specifically, they can access from 1,000 to 30,000 rubles for a term of 5 to 10 days at 0%. Regular clients, as well as new ones outside of promotions, can apply for a microloan ranging from 1,000 to 30,000 rubles for a term of 5 to 30 days. The interest rate for them can reach up to 0.8% per day.
Early repayment of a microloan is available at DengiMigom microfinance organization. To repay the loan ahead of schedule, you need to pay off the principal amount and the interest accrued for the actual period of using the money.
You can also extend the loan for 30 days at the microfinance organization. To do this, simply pay the interest accrued for the actual days of using the money. You can check the amount required for loan extension in your personal account or by calling +7 (800) 333-55-66.
In case of a payment default, DengiMigom charges a penalty of 20% per annum. For example, if a borrower takes out a microloan of 7,000 RUB and fails to repay it on time, the microfinance organization will charge a fine of 3.84 RUB per day plus accrued interest.
Borrowers who meet the following requirements can apply for a microloan at DengiMigom:
- are citizens of the Russian Federation;
- have permanent registration within the territory of Russia;
- aged 18 and older.
To submit a microloan application, you only need a passport of a citizen of the Russian Federation, a debit or credit bank card with a positive balance, and a device with Internet access.
You can receive a microloan using one of the following methods:
- to a MIR, Visa, or MasterCard bank card;
- in cash at the microfinance organization's branches.
You can repay the microloan using one of the methods listed below:
- 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;
- in cash at the microfinance organization's branches — you will need to provide the contract number;
- at branches of the "Zolotaya Korona" money transfer system — you will need to state the agreement number and payment amount;
- at Beeline and MegaFon retail stores — you will also need to provide the contract number and payment amount.
How to apply
You can apply for a microloan in two ways: at a DengiMigom branch or on the microfinance organization's website. To apply online, you need to:
- specify the desired loan amount on the main page of the website;
- click the "Get Money" or "Via Gosuslugi" button;
- enter your phone number;
- click the “Next” button;
- enter your last name, first name, patronymic, and email address;
- check the box and click the "Next" button;
- provide your passport details, registration address, and actual residential address;
- click the “Next” button;
- provide information about employment, income, marital status, and education;
- click the “Next” button;
- create and confirm a password;
- click the “Next” button;
- enter the confirmation code from the SMS message.
After filling out the application form, in case of a positive decision, you will need to undergo identity verification and specify the loan disbursement method.
Rates
in cash at microfinance organization branches
in cash at the microfinance organization's branches;
via QIWI terminals;
at branches of the "Zolotaya Korona" money transfer system;
at Beeline and MegaFon retail stores
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