CreditPlus
Articles on loans
About the loan
Credit Plus is a modern online loan service that allows you to quickly get money for any needs without a large number of certificates. The financial institution started its operations in 2015 and holds entry number 651503045006452 in the state register of microfinance organizations. In its work, the company applies a loyal approach to consumers, offers convenient financing terms, and guarantees the protection of your data.
CreditPlus MFO: lending terms
The company has developed an optimal financing program for both new and regular clients. Sometimes you can take out a loan from Credit Plus at a special rate as part of promotional programs, which the IFC regularly reports on its pages.
Interest rate, terms, and amount
Such main parameters as the fee and loan amount, as well as financing terms, depend on the tariff.
- 0% loan
You can apply for a zero-interest loan from Credit Plus for up to 15,000 RUB. The minimum loan term is 5 days, and the maximum is 30 days. The microloan at 0% is only available to new clients, and repayment is due on the repayment date specified in the agreement.
- Mini-loan
Under the "Mini-loan" tariff, existing clients can borrow from 3,000 to 30,000 RUB. The financing term is extended up to 60 days. The interest rate is 1% per day, and microloan repayment is made once a month in accordance with the schedule.
Please note! When repaying the debt on time under this tariff, borrowers are eligible for a 5% cashback on the total microloan amount.
- Mega-loan
Prospective clients can apply for a mega-loan from Credit Plus. The loan amount ranges from 15,000 to 80,000 RUB with an interest rate of 0.39% to 0.84% per day. Financing terms are also extended, ranging from 12 to 52 weeks. Funds are repaid every 2 weeks according to a set schedule.
Terms
Non-targeted consumer loans are available to:
- Individuals between the ages of 18 and 70.
- Citizens of the Russian Federation.
- Applicants with permanent registration within the country.
MFIs attract clients with the simplicity of obtaining microloans. While banks require a large number of documents, a single passport is enough to get a loan from Credit Plus.
However, the company reserves the right to request additional documents if necessary, such as a international passport, SNILS, pension certificate, driver's license, etc.
For client convenience, the company has developed several ways to quickly obtain a loan.
- You can instantly receive funds to any Russian bank card.
- If these two methods do not suit you, choose a bank account. Funds are credited within 1–3 business days.
Credit Plus is constantly working on increasing the number of ways to repay the borrowed loan. Currently, there are several methods available:
- Visa, MasterCard, and MIR bank cards. Funds are credited instantly with zero commission.
- You can repay your debt at Euroset stores with a 2.5% commission. Addresses can be found on the company's official website. Funds are credited the next day.
- A 2.5% fee applies when returning funds through Pochta Bank ATMs, with the deposit credited the next day.
- The same crediting terms and 2.5% fee apply if you use Megafon terminals and Svyaznoy stores.
- When transferring funds through a bank, a commission is charged according to established tariffs. Funds are credited to the account within up to 5 business days. The transfer requires the IFC's banking details, a passport, and the agreement number.
The loan application process on the Credit Plus service is simple. In case of any difficulties, both applicants and regular clients can contact technical support for assistance at any time. To apply for an online loan with Credit Plus, you should prepare your passport in advance, making sure it is not expired.
The microloan application process consists of several steps.
- After reviewing the financing terms, click the "Apply for Loan" button on our service to go to the official website. Using the loan calculator, drag the slider to the desired amount and term. Check the overpayment amount, and if everything suits you, click the "Apply for Loan" button.
- If you are not registered, you will need to go through registration in the next step to gain access to your Personal Account. To do this, enter your contact, passport, and additional details. Receive the code and enter it in the required field.
- All borrowers are eligible to participate in company promotions. These include paying off one or more loan installments, covering interest on the current loan, and cash gifts ranging from 3,000 RUB.
- 24/7 technical support. Specialists on duty in social media and online chats will help resolve your issues. They also answer phone calls and emails sent to the inbox.
- Many borrowers lack financial literacy and make many mistakes when filling out applications. Credit Plus combats financial illiteracy by helping clients improve their knowledge and minimize errors.
- The IFC also accepts investments from clients. Investing in an MFI can yield a return of 20% per annum. For example, by investing 1.5 million RUB for 12 months, income will increase by 300,000 RUB.
How to apply
You can apply for a microloan on the company's official website.
- On the main page, select the amount and term, and click the "Apply for Loan" button.

2. Next, you need to register. To do this, enter your full name, phone number, email address, date of birth, and create a secure password.

3. An SMS code will be sent to your phone number, which must be entered on the website.

Rates
In cash via the Contact system
Via QIWI wallet or the Contact system;
Via bank;
Via Megafon and Pochta Bank terminals
Calculator
Answers to questions
What are the loan disbursement hours?
The IFC operates online and disburses funds to Russian citizens 24/7.
Are guarantors or collateral required to get a loan?
Microloans are provided to individuals without collateral or guarantors.
When do I need to repay the received microloan?
Information on repayment terms and schedules can be found in the borrower's personal account. In addition, SMS notifications will ensure you do not miss the loan repayment date.
Можно ли отказаться от получения займа, если я передумал?
Yes, but before the money is credited to your account. Once funds are credited, it is impossible to cancel the loan.
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