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Articles on loans
About the loan
The microfinance organization "CASHIRO" is relatively new—it was registered in the state registry only in 2023. Today, the company specializes in lending to individuals. Here, they can receive a short-term loan of up to 30,000 RUB for a term of up to 30 days. There is also a special offer for new borrowers at the MFO.
Terms
Early repayment of a microloan is possible at the microfinance organization. To close a loan before the date specified in the contract, you must pay off the principal amount of the microloan and the interest accrued for the actual days the funds were used.
Loan extension is also available at the MFO. To extend the microloan agreement, it is sufficient to pay the interest accrued for the actual period the borrowed funds were used. The principal amount of the debt will then be carried over to a new term.
In case of a missed payment, the microfinance organization charges a penalty of 0.05% of the debt amount for each day of delay, but no more than 20% per annum. Here is a small example: A borrower took out 8,000 RUB for 14 days. If they do not repay the debt on time, their penalty will be 4 RUB for each day of delay plus the accrued interest.
Clients who meet the following requirements can receive a microloan here:
- are citizens of the Russian Federation;
- not younger than 19 and not older than 70 years old;
- fully legally capable at the time of signing the contract.
As for documents, to receive money at interest here, it is sufficient to provide only a passport of a citizen of the Russian Federation.
A microloan can be obtained in two ways: by transfer to a personalized bank card of the "MIR", "Visa", or "MasterCard" payment system, or in cash at the microfinance organization's office.
You can repay the debt to the creditor in one of the following ways:
- 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;
- in cash at the microfinance organization's branches — you will need to provide the contract number.
Bank: BRANCH "BANK TATARSTAN" N8610 PJSC SBERBANK
Recipient: LLC MKK "Dekada"
Tax status: 9719060559
BIC: 049205603
KPP: 771901001
Current account: 40701810762000000663
Correspondent account: 30101810600000000603
OGRN: 1237700913780
How to apply
You can apply for a microloan online on the MFO's official website. To do this, you need to do the following:
- Go to the microfinance organization's official website and specify the desired loan amount and term on the main page. Click the "Confirm" button.
- Click the "Register" button.
- Enter your mobile phone number, check the box, and click the "Continue" button.
- Enter the confirmation code from the SMS message and click the "Continue" button.
- Enter your surname, first name, patronymic, gender, date and place of birth, passport details, registration address and actual residential address, mobile phone number, and email address. Click the "Next" button.
- Enter information about your work and income. Click the "Next" button.
- Upload a photo of your passport and click the "Next" button.
- Enter your desired amount, term, and card details.
After filling out a short application, the borrower must undergo identity verification and, if the application is approved, specify how they wish to receive the microloan.
Rates
via bank account details;
In cash at MFO branches.
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