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About the loan
How to get a loan from Konga online in 5 minutes
The microfinance company started its operations in 2016 (Legal address of MFC Konga: office 507, 121 Karla Libknehta St., Irkutsk, 664047, Russia) and today finances citizens who urgently need money to buy household appliances, repair a car, or resolve other important matters. Students, officially employed or unemployed citizens, pensioners, and people on parental leave can apply for financial services. Anyone can submit an application to Konga online and receive the required amount.
Terms and conditions for obtaining a microloan from Konga
Konga is a modern system automated for all business processes. Thanks to this approach, the application process, from creating the profile to transferring money to the account, takes no more than 5 minutes. For regular users who already have an account, the time is reduced to 1 minute.
The MFC disburses short-term and long-term microloans, having developed specific tariffs for each.
- Short-term loans are beneficial if you urgently need an amount not exceeding 20,000 rubles for a period of 10 to 30 days. The daily rate starts from 0% per annum. Repayment is made in a single payment within the period specified in the agreement. According to reviews, MCC clients report that after their second loan, they received a discount of up to 30%.
- Long-term loans appeared recently. Now, MFC clients can receive microfinancing of up to 70,000 rubles at a rate starting from 0.84% per day. The term is also extended up to 24 weeks. Payment is made bi-weekly according to a designed schedule: first, the borrower pays the interest, and then the loan principal.
Payout methods
For the convenience of receiving microfinancing, MFC Konga offers various options:
- A bank card belonging to the VISA, MasterCard, or MIR payment systems. It must be personalized and have a 16-digit number. A positive balance of at least 10 rubles is mandatory.
- An identified QIWI Wallet. The phone number registered in the personal account and the wallet number must match.
- Contact system. If there are Contact money transfer pickup points in your area, you can use this method of receiving money by presenting your passport and the agreement number to the operator.
- Bank account. Funds arrive within 5 business days.
Repayment methods
To settle with Konga on time, log in to your Personal Account and choose a suitable microloan repayment method. This can be a bank transfer, electronic wallet, Contact system, Cyberplat terminal, or Sberbank Online.
Extension
If you are unable to pay your debts on time, to avoid overdue payments, activate the "Loan Repayment Term Extension" service, and it will be extended for 2 weeks.
Please note! The service can be used if there are overdue payments.
Reasons for rejection
If the terms are violated, the MFO has the right to refuse to conclude an agreement with the applicant.
Reasons:
- The borrower does not meet the requirements specified in the Rules.
- The relevant documents were not sent or the passport is expired.
- The provided information is inaccurate.
- The applicant has unpaid microloans under an agreement concluded earlier.
- The last microloan was repaid less than 24 hours ago.
- The submitted information indicates low solvency.
One can only guess why Konga did not disburse the online loan. By law, it is not required to report to the borrower.
Early repayment
The company allows early repayment. To settle the debt, log in to your Konga Personal Account, use the "Make Payment" button, and follow the prompts. No penalties are charged for early repayment, and the MFC charges interest only for the actual days the borrowed funds were used.
Terms
As a rule, the requirements of Konga MFI differ very little from the requirements of other microfinance structures. However, this does not mean that the loan is guaranteed to be approved.
Please note that a card with a positive balance will be required if the MFI makes a positive decision on the application. In addition, borrowed funds from other MCCs are not considered regular income and are not entered when filling out the application form.
The microfinance company reserves the right to request any information or additional certificates stipulated by the Rules, if necessary.
Your Personal Account will help you get a loan from Konga MFI; logging in is done by entering your phone number and password in the pop-up window on the official website. If you do not have an account, registration is done as follows:
- The applicant reviews the microfinance terms set by Konga MFI.
- By clicking the virtual "Apply" button, they go to the company's official website and fill out the application form by entering the requested data.
- Submits the application to the lender and waits for a decision.
- Upon a positive response, signs the electronic agreement by entering the code sent via SMS into the corresponding window.
- Citizen of the Russian Federation.
- Age over 21 years and full legal capacity.
- Permanent registration in Russia.
- Possession of a Russian passport and one additional document (SNILS, student ID, international passport, pension certificate).
- Possession of a card with a balance of at least 10 rubles.
- Regular guaranteed income that could be confirmed by a 2-NDFL certificate if necessary.
- Card statement showing the movement of funds on the account to which the plastic card is linked. At the same time, monthly deposits must not be less than 25,000 RUB.
As a token of appreciation for your choice, the KONGA team has developed a loyalty program that allows you to save up to 30% on funds. To take advantage of it, clients must frequently use the company's services, extend and repay loans on time without defaults. After repaying one loan, the discount will be 6%, two loans — 9%, ten loans — 30%.
Please note! In case of non-compliance with the rules and the presence of overdue debts, the MFI lowers the borrower's status and terminates cooperation with the client.
Rates
To a bank account,
Qiwi wallet,
In cash,
Via the Contact system
Bank card;
Via QIWI
Calculator
Answers to questions
Can I delete my personal account myself?
The personal account is deleted after sending a request to the legal address of Konga MFO. If there is an outstanding debt, it is impossible to delete the data from the personal account.
How do I change the contact details specified in the application form?
Send supporting documents to the email address, and specialists will process the operation.
The card's expiration date has changed. How do I update the details?
Log in to your personal account. Go to the "Cards" section. Find the form for linking reissued cards and make the necessary changes.
Can I expect a reduction in the interest rate?
Rate reductions are applied automatically for loyal customers.
Customer reviews
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