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Articles on loans
About the loan
ExpressDengi MFI is a microfinance organization that issues short-term and long-term loans to individuals. Operating since 2012, the company has established a reputation as a reliable lender. Today, ExpressDengi MFI offers up to 100,000 RUB for a term of up to 52 weeks.
Terms
At ExpressDengi MFI, you can apply for either a short-term loan ranging from 3,000 to 30,000 RUB for a term of 1 to 30 days, or a long-term loan ranging from 31,000 to 100,000 RUB for a term of 10 to 52 weeks. In either case, the interest rate does not exceed 0.8% per day.
A special offer is available for new borrowers: they can receive up to 100,000 RUB at 0% per day, provided the debt is repaid on time.
Early repayment of the microloan is available at ExpressDengi MFI. To close the loan ahead of the schedule, you must pay the principal amount and the interest accrued for the actual period of using the funds.
Loan extension is also available at the microfinance organization. To extend the loan, you simply need to pay the interest accrued for the actual days of using the funds. You can check the amount required for the loan extension in your personal account or by calling the hotline. +7 (80 700-77-06.
In the event of untimely repayment of the microloan, ExpressDengi MFI charges a penalty of 20% per annum for each day of delay. Here is a brief example. A borrower took out 30,000 RUB for 7 days and failed to repay the loan on time. In this case, the microfinance company will charge a penalty of 16.44 RUB for each day of delay plus interest for the use of the funds.
Borrowers who meet the following requirements can obtain a loan from ExpressDengi MFI:
- are citizens of the Russian Federation;
- aged 18 to 70 years;
- have a permanent source of income.
To get a loan, it is sufficient to provide only a passport of a citizen of the Russian Federation. In addition, you will need a debit or credit card of any bank 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 QIWI terminals — you will need to select the MFI in the menu, specify the contract number and the payment amount;
- from QIWI electronic wallets — you will also need to select the MFI in the menu, specify the contract number and the payment amount.
Bank: BRANCH NO. 8614 OF SBERBANK OF RUSSIA
Beneficiary: ExpressDengi MFC LLC
Tax Status: 1215150103
BIC: 048860630
KPP: 121501001
Current Account: 40701810937000000009
Correspondent Account: 30101810300000000630
OGRN: 1101215004593
OKPO: 64998970
How to apply
You can apply for a microloan in two ways: at a branch of the microfinance company and on the ExpressDengi MFI website. To apply for a loan online, you need to:
- specify the desired loan amount and term on the homepage;
- click the "Get Money" button;
- provide last name, first name, patronymic, date of birth, SNILS, monthly income, passport details, registration address;
- click the “Next” button;
- enter the confirmation code from the SMS message;
- check the required boxes and click the "Confirm" button;
- indicate the registration address and actual residential address;
- click the "Continue" button;
- enter employment information;
- click the “Continue” button.
After filling out the application form, you will need to undergo identity verification and specify how you wish to receive the loan.
Rates
in cash at microfinance organization branches
in cash at the microfinance organization's branches;
via QIWI terminals;
from QIWI e-wallets
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