ILMA

At the ILMA credit consumer cooperative, you can get from 2,000 to 400,000 RUB for a term of 1 to 36 months. The minimum interest rate here is 0.12% per day. The maximum overpayment does not exceed the allowable 0.8% per day.

The ILMA credit consumer cooperative allows for early microloan repayment. To do this, you need to pay off the principal debt and the interest accrued for the actual time the money was used.

There is no option to extend a loan at the ILMA credit consumer cooperative.

In the event of untimely microloan repayment, the lender charges a penalty of 20% per annum for each day of delay. For example, if a borrower received 10,000 RUB but failed to repay the loan on time, their penalty will amount to 5.48 RUB for each day of non-payment plus accrued interest.

Individuals who meet the following requirements can become borrowers of the credit consumer cooperative:

• are citizens of the Russian Federation;
• have permanent or temporary registration in the organization's region of operation;
• aged 18 to 70.

To apply for a microloan, you only need a passport of a citizen of the Russian Federation. In addition, you will need a device with Internet access.

A microloan can only be received in cash at the offices of the credit consumer cooperative.

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;
• via bank account details — in internet banking or the mobile app, you will need to specify the IFC's details, agreement number, and payment amount.