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Articles on loans
About the loan
Mikroklad MFI has been operating in the microfinance market since 2014. Here, borrowers can receive up to 30 or 60 thousand rubles for a term of up to 40 or 180 days to a bank card or bank account.
Terms
Mikroklad MFI does not have special offers for new borrowers. All clients without exception can get a short-term loan here for an amount from 3 to 30 thousand rubles for a term from 7 to 40 days, and a long-term loan for an amount from 3 to 60 thousand rubles for a term from 7 to 180 days. In both cases, the interest rate varies from 0% to 0.8% per day. That is, the maximum overpayment at the company does not exceed 292% per annum.
Early repayment of debt is available at the MFI. In order to close a microloan ahead of the schedule established by the contract, you must pay the principal loan amount and interest for the actual time the money was used.
Loan extension is also available at the MFI. To use the service, it is enough to pay the interest accrued for the actual time the money was used. Loan prolongation is free of charge.
In the event that the borrower has not used the loan prolongation service and has not deposited an amount sufficient to repay the loan, the microfinance organization charges a penalty of 20% per annum of the debt, including accrued interest.
For example, if a client received 30,000 RUB and failed to repay the debt on time, their penalty will amount to 16.44 RUB per day plus accrued interest.
Borrowers who meet the following requirements can obtain a loan from Mikroklad MFI:
- are citizens of the Russian Federation;
- have permanent registration within the territory of Russia;
- aged 18 to 70.
To apply for a microloan, you will need a Gosuslugи (State Services) account or a passport of a citizen of the Russian Federation, as well as a personalized bank card from any Russian bank.
To date, it is only possible to receive a microloan to a Mir, Visa, or MasterCard bank card, or to a bank account by phone number via the Faster Payments System.
You can repay your debt to Mikroklad MFI in the following ways:
- in your personal account using MIR, Visa, or MasterCard bank cards;
- via the Faster Payments System;
- via SberPay;
- via Eleksnet terminals.
In the first three cases, you must specify the contract number, payment amount, and bank card details. To repay via terminals, select Mikroklad MFI in the general menu, enter the contract number, the amount required for repayment, and deposit the money.
Mikroklad MFI does not provide for loan repayment using account details.
How to apply
You can apply for a loan only online — on the official website of Mikroklad MFI. To do this, you need to:
- go to the microfinance organization's website;
- specify the desired loan amount and term;
- click the "Get Money" button;
- click the "Log in via Gosuslugi portal" or "Complete standard registration" button;
- enter your mobile phone number, email address, promo code, passport details, and registration address;
- click the “Next” button.
In the event of a positive decision on the application, the borrower will need to undergo identity verification and indicate the method of receiving the loan.
Rates
to a bank account by requisites
via the Faster Payments System;
via SberPay;
via QIWI or Eleksnet terminals
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