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Articles on loans
About the loan
The microfinance organization "Poydem!" offers several profitable tariffs for borrowers at once. Thus, you can get a short-term loan of up to 10,000 RUB for up to 30 days, or a long-term loan of up to 200,000 RUB for a term of up to 36 months.
Terms
The microfinance organization "Poydem!" offers four types of microloans:
- "For Foreign Citizens" — in the amount of 1 to 200,000 RUB for a term of 1 to 36 months at 5.9% per month;
- "Payday" — in the amount of 1 to 10,000 RUB for a term of 5 to 30 days at 0.8% per day;
- "Daydem" — in the amount of 10 to 30,000 RUB for a term of 3 to 11 months at up to 0.48% per day;
- "Daydem+" — in the amount of 30 to 50,000 RUB for a term of 13 to 36 months at up to 0.19% per day;
- "Start from Scratch" — in the amount of 50 to 200,000 RUB for a term of 13 to 36 months at up to 0.19% per day.
The microfinance organization provides the opportunity to repay microloans ahead of schedule. To do this, you need to pay the principal debt amount plus interest accrued for the actual period of using the money. You can clarify the exact amount of funds required for early termination of the agreement in your personal account on the microfinance organization's website or by calling 8 (800) 600-22-32.
Microloan extensions are not available at this microfinance organization.
In case of failure to repay the microloan on time, the microfinance organization "Poydem!" charges a penalty of 20% per annum for each day of delay. Thus, for example, if a borrower received 10,000 RUB and did not return it on time, their fine will be 5.48 RUB for each day of non-payment plus accrued interest.
Borrowers who meet the following requirements can get a loan from the microfinance organization "Poydem!":
- are citizens of the Russian Federation;
- have permanent registration within the territory of Russia;
- aged 18 to 75 years old;
- have a regular source of income.
To apply for a microloan, you will only need 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;
- 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: JSC CB "Poydem!", Moscow
Recipient: LLC MFC "Poydem!"
Tax status: 9715291065
BIC: 044525732
KPP: 771501001
Current account: 40701810500000007876
Correspondent account: 30101810100000000732
OGRN: 1177746088200
OKPO: 06488787
How to apply
You can apply for a microloan at an MFI branch or online on the microfinance organization's official website. To do this, you need to:
- select the required loan program and click the “Get microloan” button;
- click the "Submit application" button;
- enter your city, desired loan amount, last name, first name and patronymic, gender, citizenship and mobile phone number;
- check the box and click the "Next" button;
- enter the confirmation code from the SMS message;
- click the “Next” button.
After filling out the application, a financial consultant will contact the borrower for further processing of the application.
Rates
to a bank account by requisites
by bank account details
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