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Articles on loans
About the loan
CashDrive MFO is a microfinance organization that provides long-term loans to individuals for consumer needs. The company's distinctive features are fast processing, flexible lending terms, and convenient online application.
Terms
CashDrive MFO offers three tariff plans:
- "Online Car Purchase" — from 100 thousand to 1 million rubles for a term from 12 to 84 months;
- "Online Car-Backed Loan" — from 30 thousand to 1 million rubles for a term from 3 to 84 months;
- "Month Interest-Free" — from 30 thousand to 1 million rubles for a term from 3 to 84 months.
In the first case, the interest rate ranges from 15% to 80% per annum, and in the second and third cases, from 20% to 105% per annum.
CashDrive MFO provides the option of early loan repayment. To repay a loan ahead of the schedule set by the payment plan, you must pay off the principal amount and the interest accrued for the actual time the money was used.
The microfinance organization also offers a loan extension service. To extend a microloan, simply pay the interest accrued for the actual period the money was used. You can check the required amount for the extension in your personal account.
If a loan is not repaid on time, CashDrive MFO charges a penalty of 0.05% of the overdue amount for each day of delay, but not more than 20% per annum. For example, if a borrower received 50 thousand rubles but failed to repay the microloan on time, their penalty will be 27.40 RUB for each day of non-payment plus accrued interest.
Borrowers who meet the following requirements can apply for a microloan with CashDrive MFO:
- are citizens of the Russian Federation;
- have permanent registration within the territory of Russia;
- aged from 21 to 70 years old;
- have continuous work experience at their current job of at least three months, with total experience of at least one year;
- have a positive credit history.
To apply for a microloan, you must provide a passport of a citizen of the Russian Federation and a document confirming income, as well as a debit or credit card from 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;
- to a bank account via bank details.
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.
Bank: Novosibirsk Branch of Expobank JSC
Recipient: CashDrive MFC LLC (MAYER MCC LLC)
Tax ID: 7459006240
BIC: 045004861
KPP: 540701001
Current account: 40701810212000125191
Correspondent account: 30101810450040000861
PSRN: 1187456022049
How to apply
You can apply for a microloan only online — on the microfinance organization's website. To do this, you need to:
- go to the application page;
- click the "Get Money" or "Log in to Account" button;
- enter your mobile phone number;
- click the "Get Password" button;
- enter the confirmation code from the SMS message;
- click the "Continue" button;
- enter the desired loan amount and term, monthly income, current loan payments, additional mobile phone number, and email address;
- click the "Continue" button;
- indicate the registration address and actual residential address;
- click the “Continue” button.
Next, a link to continue filling out the application will be sent to the specified phone number. Follow the link to continue filling out the application form.
Rates
to a bank account by requisites
by bank account details
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