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Articles on loans
About the loan
Zabiray microfinance organization (MFO) is a reliable microfinance company that issues short-term loans to individuals. The company started operations back in 2018 and has since established a strong reputation among borrowers. Today, you can get up to 15,000 RUB for a period of up to 30 days.
Terms
First-time borrowers applying to Zabiray MFO can receive from 1.5 to 15 thousand RUB for a period of 5 to 30 days. The maximum interest rate, as is standard everywhere, does not exceed the legally permitted 0.8% per day or 292% per annum.
Zabiray microfinance organization provides the option of early repayment of a taken microloan. To repay the loan ahead of schedule, you must fully pay the principal amount and accrued interest for the actual period of using the funds.
Zabiray MFO also provides the option to extend the loan for the duration of the agreement. You can extend the microloan by paying only the interest for the actual days the money was used. Information on the amount required for extension can be found in your personal account or by calling +7 (343) 343-89-10.
In case of default, the microfinance organization charges a penalty of 20% per annum for each day of delay. For example, if a client received a microloan of 4,000 RUB and did not repay it on time, the MFO charges a penalty of 2.19 RUB for each day plus accrued interest.
Borrowers who meet the following requirements can apply for a microloan at Zabiray MFO:
- are citizens of the Russian Federation;
- have permanent registration within the territory of Russia;
- aged 20 to 75 years old.
To apply for a microloan, you will need a passport of a citizen of the Russian Federation, INN and SNILS, as well as 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 your internet bank or mobile app, you will need to enter the MFI's details, the contract number, and the payment amount;
- at Russian Post branches — you will need to provide the contract number and payment amount.
Bank: JSC Tinkoff Bank
Recipient: Zabiray MCC LLC
Tax ID (INN): 6685183681
BIK: 044525974
KPP: 667101001
Current account: 40701810900000006062
Correspondent account: 30101810145250000974
OGRN: 1216600009482
How to apply
You can apply for a microloan only online — on the microfinance organization's website. To do this, you need to:
- specify the desired loan amount on the main page of the website;
- click the "I'll take it" button;
- enter surname, first name, patronymic, phone number and email address;
- check the box and click "Confirm";
- enter the confirmation code from the SMS message;
- click the "Confirm" button;
- provide passport details, SNILS, registration address, and actual residential address;
- click the "Continue" button;
- provide information about marital status, education, employment, income, and property;
- 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
to a bank account by requisites
via bank account details;
at Russian Post offices
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