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About the loan
The microfinance organization specializes in issuing short-term and long-term loans to individuals. Today, you can get from 1 to 100 thousand RUB for up to 364 days. New clients can also take advantage of a special offer: the first microloan at 0%.
Terms
At the microfinance organization "Kotozaim", you can take out a short-term loan ranging from 1 to 30 thousand RUB for a term of 4 to 30 days, or a long-term loan ranging from 31 to 100 thousand RUB for a term of 84 to 364 days. In both cases, the interest rate does not exceed 0.8% per day.
New clients can take advantage of a special offer: the first microloan at 0% per day. To get it, you need to apply for 1 to 15 thousand RUB for a term of 7 days and repay the debt exactly on time.
This microcredit company, like any other, allows for early repayment of a microloan. To close a loan ahead of schedule, you need to pay the principal amount of the debt as well as the interest accrued for the actual period of using the borrowed funds.
The microfinance organization also offers loan extension. To use the prolongation service, simply pay the interest accrued for the actual days of using the money.
In case of payment default, the MFI "Kotozaim" charges a penalty. Its amount is 20% per annum. Here is a small example. If a borrower takes out 14 thousand RUB for 7 days and fails to repay the debt on time, the penalty will be 7.65 RUB for each day of delay plus accrued interest.
Borrowers who meet the following requirements can get a microloan here:
- have Russian citizenship;
- have permanent registration in the territory of the Russian Federation;
- are not younger than 19 and not older than 90 years.
As for documents, only a Russian internal passport is required to apply for a loan.
Today you can receive money in just two ways: by transfer to a personalized MIR, Visa, Maestro, or MasterCard bank card, or in cash at the microcredit company's branches.
You can repay your debt to the microfinance organization 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 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: Donskoye Branch of PJSC "Sberbank of Russia", Moscow
Beneficiary: MFC "Summit" LLC
Tax ID (INN): 7728771940
BIC: 044525225
KPP (TAX REGISTRATION REASON CODE): 771401001
Current account: 40702810838110015170
Correspondent account: 30101810400000000225
OGRN: 1117746346244
OKPO: 91535801
How to apply
To apply for an online microloan, follow these steps:
- Go to the official website of the microfinance organization and indicate the desired loan amount and term on the main page. Click the "Get loan" button.
- Enter the desired microloan amount and term again. Click the "Get loan to card" button.
- Enter your mobile phone number and click the "Get code" button.
- Check the box and enter the last four digits of the incoming phone number.
- Upload a photo of your passport or click the "Fill in manually" button.
- Enter your last name, first name, and patronymic, date of birth, check the box if necessary, specify your gender, email address, passport details, registration address, and actual place of residence. Click the "Next" button.
- Enter information about your work and income. Click the "Next" button.
After filling out the application form, the borrower needs to undergo identity verification and specify the microloan disbursement method.
Rates
via bank account details;
in cash at microfinance organization branches
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