Only a Russian citizen who meets the microfinance company's criteria can take out a loan on a card at Ezaem. According to the company's marketing policy, certain criteria are set for the borrower.

For applying for a loan at Ezaem, the personal account serves as the main type of submitting and processing the application. During registration, you must have a working phone number that receives and sends SMS notifications. A simple digital SMS notification signature has equal legal force to a regular signature when concluding a Liability Agreement for the provision of a microloan.

Carefully review and read the loan matching service offer. Afterward, you can follow the link to the official website of the MFI, fill out an application, and receive the approved microloan limit.

• Select your desired loan amount and term online on the MFI's website.
• Go to the application form; you will need to have your passport on hand.
• Provide any additional information requested by the Ezaem MFI service.
• Submit your application and wait approximately 15 minutes for a decision.
• Once approved, you will need to choose how to receive the microloan and complete identity verification.
• Sign the electronic loan agreement using an SMS confirmation code.
• Wait for the funds to arrive via your chosen payout method.

Attention! Selecting certain payout options requires additional verification as specified on the Ezaem MFI website.

Once your application is approved, you will be offered several disbursement options. Please note the timeframes:

• Loan to a bank card – instantly, within 2 minutes.
• To a QIWI wallet – instant transfer.
• Via the Contact system – from 10 to 30 minutes.
• To a bank account – from 1 to 3 business days.

Checking accounts, electronic wallets, and bank cards undergo additional verification on the Ezaem website. For the Contact system, you will receive a transfer control code via SMS, which must be provided at the pickup location.

The first microloan is small, no more than 15,000 RUB. First-time MFI applicants can take advantage of the "First loan at 0%" program. After repaying the first loan, you can apply for a second, third, and subsequent loans. The maximum possible amount is 30,000 RUB. The maximum possible interest rate is 365% per annum, which is 1% per day.

Online loan applications for Ezaem can only be submitted through your personal account on the website. Applications are not processed over the phone. Even those with a poor credit history can apply for a microloan, provided they have no overdue payments on current obligations.

A loan extension service is available for a period of 20 or 30 days, provided that previous interest under the agreement is paid. Early repayment is allowed before the agreement expires, in which case you return the principal amount and accrued interest for the actual days you used the borrowed funds.

Information on how to repay the borrowed funds will be available to the borrower in the contract and personal account. Identity verification—by providing a photo of your face, an open passport, and a bank card—is mandatory in accordance with the requirements of the Central Bank of the Russian Federation. Service area – all of Russia. To receive funds via the Contact system, you must check whether a pickup point is available in your region of residence.

1. How to get and repay a loan.
2. Information on the loan disbursement procedure and repayment methods.
3. Official data on the MFI's operations.