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Articles on loans
About the loan
The Bankomato microfinance organization is a relatively new microcredit organization. It was entered into the state register on June 20, 2022. On this microfinance organization's page, future borrowers can apply exclusively for a short-term loan of up to 30 000 RUB for a term of up to 30 days.
Terms
Here, as in any other microcredit company, early repayment of the microloan is available. The borrower can close the loan on any day of the crediting period. To do this, they need to pay the debt amount and the interest accrued for the actual days of using the money.
If the borrower does not have a sufficient amount to repay the microloan, they can use the loan extension service. To extend the loan, they need to pay the interest accrued for the actual days of using the money. At Bankomato, a microloan can be extended no more than three times in a row.
For late payment, the microfinance organization charges a penalty of 20% per annum. For example, if a borrower took out 15 000 RUB and failed to repay the microloan on time, their fine will be 8.20 RUB for each day of delay plus the interest accrued for the actual time the money was used.
Borrowers who meet the following requirements can get a loan from the Bankomato microcredit company:
- have Russian citizenship;
- aged 19 to 70 years;
- are fully legally capable at the time of applying for the microloan.
To apply for a microloan in this microcredit organization, only an identity document, SNILS, and INN are required.
In this microfinance organization, you can receive money only to a bank card of the MIR, Visa, or MasterCard payment systems.
You can repay the debt to Bankomato using the following methods:
- 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: BRANCH "BANK TATARSTAN" N8610 PJSC SBERBANK
Recipient: LLC MKK "Teknologiya Zayma"
Tax status: 1683004497
BIC: 049205603
KPP: 168301001
Current account: 40701810462000000565
Correspondent account: 30101810600000000603
OGRN: 1221600027725
OKPO: 1221600027725
How to apply
You can apply for a microloan in this microfinance organization only online — on the official website. To do this, you need to do the following:
- on the microfinance organization's homepage, specify the required loan amount and term and click the "Apply" button;
- enter your mobile phone number, check the box, and click the "Confirm phone" button;
- enter the confirmation code from the SMS message;
- enter your last name, first name, and patronymic, gender, date and place of birth, passport details, registration address and actual place of residence address, email address, SNILS, and INN, and click the "Next" button;
- provide information about your income and employer, and click the "Next" button;
- provide contact person #1 and contact person #2, and click the "Next" button.
Next, the borrower needs to undergo identity verification and specify the method of receiving the microloan.
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