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About the loan
Pay P.S. - profitable microfinancing up to 10,000 RUB: a detailed review of the service
Online loans are a popular service among the Russian population. Small loans are taken for utility bills, medical treatment, travel, and organizing family celebrations. Unfortunately, not all organizations operate legally in the financial market or provide convenient ways to receive money. The MFO Pay P.S. (also known as Zaim Online) was entered into the state register of microfinance companies in 2011 under number 2120177001838. Since 2016, it has been a member of the SRO MIR.
Micro-lending service Pay P.S.: terms
Profitable financing terms have been developed for clients, allowing students, unofficially employed citizens, and pensioners to take out a loan from Pay P.S.
- Amount
New Pay P.S. clients can apply for a loan ranging from 3,500 to 10,000 RUB. You shouldn't count on the maximum amount, as it is set individually for each applicant.
- Financing term
The service pays out microloans for a period of 7 to 15 days.
- Interest rate
According to Russian law, the interest rate cannot exceed 1.0% per day. It is accrued in the amount specified in the individual loan agreement terms starting from the day after the money is transferred to the account.
Terms
The microfinance organization provides loans to citizens who meet certain criteria.
It is important that the person wishing to apply for a loan from Pay P.S. is not serving a sentence for a criminal offense, is not under investigation, and does not have an outstanding criminal record. Also, the borrower must not be subject to demands for early repayment due to improper performance of the microloan agreement terms.
If false information is provided or if there is an outstanding loan, the microloan will be denied. You will receive a negative response if your insolvency is confirmed during the verification process.
By creating a client account in Pay P.S., you will significantly simplify your cooperation with the company. Thanks to the personal account, you can:
- reduce the time spent on filling out an application (all data is already in the system);
- change information provided in the application if necessary: email address, surname, phone number;
- pay off the loan in a convenient way;
- create and sign electronic documents;
- extend the microloan in case of force majeure;
- change your personal account access password;
- receive information about promotions and programs.
If you cannot log in to your Pay P.S. account, use the "Forgot Password" button and choose a convenient recovery method.
- Russian citizenship;
- borrower age — at least 18 years old;
- registration at the place of residence in the country (having the corresponding stamp is mandatory);
- full legal capacity.
Individuals with a valid passport and one additional document can apply for a loan. For example, SNILS, a driver's license, or a military ID. You can also confirm your identity by providing a foreign passport.
The microfinance company can issue a loan in one of the following ways:
- Free of charge via the Contact system.
- With an additional commission in accordance with the established tariffs for the user's payment card.
- With a commission to a bank account.
- With an additional fee to a Yandex.Money e-wallet.
Loan repayment can be made in the following ways:
- Through the official website using bank cards. To pay, you must use bank products belonging to the Visa, MasterCard, or Mir payment system.
- Euroset and MTS service points. A commission of 1% is charged, but not less than RUB 50.
- Contact system. Money transfer is free of charge.
- QIWI wallet. Using the "free payment" function. Commission — according to the company's tariffs.
- Bank transfer. Fee according to the bank's tariffs.
If other methods are specified in the borrower's Personal Account, they can also be used.
If timely repayment is impossible, borrowers have the right to extend the repayment period without penalties.
- Prompt application processing.
- Free extension of the repayment period.
- Privileges for regular customers.
- Ability to apply for an online loan with Pay P.S without guarantors or collateral.
- Minimum number of documents without mandatory income confirmation.
Among the disadvantages is the small loan amount.
How to apply
1. Go to the website and click "Get for free";
2. Fill out the application. Enter your phone number;
3. Enter passport details and bank card details. Then submit the application;
4. Wait for data verification;
5. Next, you must enter your INN;
6. Wait for identification to be completed;
7. Choose the method of receiving funds. Then apply for the loan.
Rates
Via QIWI wallet and the Contact system;
At MTS, MegaFon, and Beeline mobile phone stores
Calculator
Answers to questions
How do I know if my loan is approved?
Pay P.S has a very low rejection rate. If you have no serious overdue payments or current loans, you can count on 100% approval. Information about the decision is sent to your mobile phone or email.
Which method is the fastest to receive money to an account?
Within 2 minutes you can receive money to a bank card or e-wallet.
Is it possible to increase the loan limit?
Yes. It will be increased after the first successful repayment.
Can I hope for a lower interest rate?
The rate is calculated for each borrower individually based on the information provided.
Do you provide loans to clients with a bad credit history?
All applications are reviewed individually. Usually, bad credit history is overlooked, but it all depends on the severity.
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