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About the loan
Review for applying for a loan with Chestnoe Slovo (4Slovo)
Since 2013, the microfinance organization Chestnoe Slovo has confidently held a top position in the Russian microfinance market, gaining popularity among borrowers thanks to accessible financial products. Today, getting a loan from Chestnoe Slovo is very simple – just submit an online application, specify the necessary microloan parameters, and choose a convenient payout method.
To apply for and securely receive an advantageous and affordable loan, the Chestnoe Slovo personal account will serve as a convenient tool for interacting with the microfinance company, which will also send you offers to participate in promotions, interest rate reductions, etc. For first-time applicants submitting an online application to Chestnoe Slovo, there is a special offer: for the first 10 days, the loan is provided at an interest rate of 0% per annum.
Full company name – LLC MFC "CHESTNOE SLOVO". Legal address: Moscow, 1st Kolobovsky Lane, 6, building 3, premises B, room 7-21. Information on state registration in the Central Bank of Russia's registry of microfinance organizations dates from 26.03.2013, No. 651303045002916.
Loan application terms at the microcredit organization Chestnoe Slovo (4Slovo)
All applications are submitted exclusively through the Chestnoe Slovo microfinance organization website. The official minimum loan term is 15 days, and the maximum is up to 180 days. According to reviews of Chestnoe Slovo loans, the approval rate reaches up to 92%, which is one of the highest figures in the Russian microfinance segment.
The microfinance company has developed three loyalty programs for clients:
- Regular clients can receive individual offers, as well as access to a Silver, Gold, or Platinum status credit card.
- "Invite a Friend" program. If you bring a friend, you will receive 500 rubles credited to your personal account balance, which can be used to pay off interest.
- Permanent loyalty programs. Follow notifications in your Personal Account or receive emails with offers.
If a borrower commits a default by failing to fulfill the contract, Chestnoe Slovo charges a penalty of 0.1% per day on the remaining loan amount.
Terms
A microloan recipient can only be a borrower who holds Russian citizenship, which is confirmed by information from their primary identity document – a passport.
If you are applying for a loan to a Chestnoe Slovo card, you must have a Visa, Mastercard, or Russian MIR payment instrument.
Applications are submitted 24/7, and requests are reviewed in up to 5 minutes.
Our matching service invites you to review offers from Chestnoe Slovo, and if the microfinance company's offer suits you, follow the link to set up a personal account, specify the desired loan amount, and choose the period for which you want to take out a loan with Chestnoe Slovo.
- Review the Chestnoe Slovo offer and follow the link to the company's website.
- Fill out the application by verifying your personal account.
- Upload document scans in the application form and provide the necessary information.
- Provide your work e-mail and a valid phone number.
- Wait about 5-20 minutes for a decision to be made.
- If you chose a card, complete the payment instrument verification.
- Once the loan is approved, sign the electronic agreement using a simple electronic signature via SMS notification.
Please note that funds are credited to a bank card within 1 minute to 24 hours after application approval. Funds arrive in a bank account within 1-3 business days.
- Permanent registration in one of the regions of Russia is required.
- Minimum age is 18 years, maximum age is 75 years.
- To verify the data, you need to upload a passport scan.
- For those applying for card loans, it is necessary to undergo bank card identification and attach a document scan.
- In the application form, you can optionally indicate your official employment status with income to get a chance of approval.
- Pensioners and students indicate their status in the application form and, if necessary, can attach a scan of documents to increase the chance of approval.
- Enter your phone number, receive an SMS notification with a code, and sign the electronic loan agreement.
Loans from Chestnoe Slovo IFC are issued only to verified cards of well-known payment systems registered on the website or to a bank account. Yandex.Money and QIWI wallets are currently unavailable for the service. The "Basic Standard" states that you can extend a loan no more than 5 times, provided that interest on current loans is paid. Further extensions are available, but the extension period is reduced. If you fail to repay the loan on time, use the offer under the "Current Loan" tab in your personal account by clicking the "Extend Loan" button.
As a rule, the first loan will not exceed 10,000 RUB, and there are promotional offers—a 10-day loan with a 0% interest rate. Starting from the second and subsequent loans, you can participate in loyalty programs. Specifically, the following statuses will be available: Bronze, Silver, Gold, and Platinum, where you can get an increased microloan limit and other perks from Chestnoe Slovo IFC. Under loyalty promotions, points are awarded, which can sometimes be used to cover up to 80% of accrued interest.
Rates
QIWI wallet;
MOBI.Money;
Cash at a bank.
Calculator
Answers to questions
How long does it take for my application to be reviewed?
Chestnoe Slovo IFC has set a timeframe from 5 minutes to 24 hours, so if you have not received information, please wait up to 24 hours.
How will I find out the response to my application?
You will receive an email from the IFC operator at the email address provided in the application form.
My application for a card or bank account has been approved, how long do I have to wait for the funds to be credited?
Funds are credited to a verified card within 20 minutes (but no more than 24 hours). To a bank account, within 1-3 business days.
How do I find out the payment amount?
All necessary information regarding the loan amount, the payments you need to make, and the due date will be available exclusively in your personal account.
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