How to take out a loan from SMSFINANCE with an interest-free period of up to 7 days

Microcrediting is a service in high demand among residents of Russia. Since the market has several hundred MCCs, users try to choose the company that offers the best microfinancing terms. One of them is SMSFINANCE MFO.

Terms on which SMS Finance microfinance company finances clients

The SMS Finance service appeared on the market in 2012 and offers microfinance services based on international standards. The company is listed in the state register under number 2120177002022 and operates in accordance with Federal Law No. 151-FZ "On Microfinance Activities and Microfinance Organizations." Its advantages:

• five options for receiving and repaying credit funds;
• prompt application review — 1 minute;
• maximum simple terms with no hidden fees or additional commissions;
• wide geography — you can take out a loan from SMS Finance regardless of your location (St. Petersburg, Novosibirsk, Voronezh, Krasnodar);
• prompt application processing — 7 minutes.

Available amount and term of microfinancing

The amount you can count on is 100,000 rubles for up to 365 days. For new clients, the limit is 20,000 rubles. The company currently has a promotion running — "7 days without interest for all clients!". That is, individuals who take out a loan from SMS Finance can use it for free for 7 days if conditions are met. Thereafter, a rate of 1.0% per day is charged.

What methods for receiving a microloan does the MFC offer

By submitting an online loan application to SMS Finance, you can receive it in several ways:

• In cash via the Contact system. To receive it, you will need a passport and the transfer number received in an SMS message.
• In cash to a bank account. During registration, indicate the name of the credit organization, BIC, and account number.
• Visa QIWI Wallet. Money is credited to the account instantly.

If you have never used a Qiwi wallet, it will be activated automatically after the funds are credited.

• Yandex Money. You can get a loan from SMS Finance this way in a few seconds without leaving your home.
• A card from any Russian bank. If the cards support instant online transfer technologies (MCMS for Mastercard or VPP for VISA), the money is credited to the account immediately.

How to get a refund

To avoid damaging your credit history, repay debts on time using a convenient method:

• Transferring funds to the company's account via bank transfer.
• SMS payment from a bank card account.
• Electronic wallets (Qiwi and YaD).
• Visa/MasterCard bank card.
• Using online banking (Sberbank and Alfa-Bank).

Please note! To receive payment information, you need to enable the SMS-banking service. Otherwise, you will not receive a notification about the crediting of money to your bank card.

Loan extension

If you do not have time to repay the loan on time, extend it for up to 21 days by paying the accrued interest. As a result, no penalties and fines will be charged, and your reputation will remain clean.

Fines for non-compliance with the agreement

Despite all loyalty, for violating the agreement, IFC SMS Finance has established fines in the amount of 0.05% of the loan amount plus daily interest accrual for its use. Penalties begin to be charged the day after the microloan term expires.

In case of prolonged overdue payments, your credit history suffers. The longer the delays, the lower the probability of using banking services in the future.

If you are unable to pay off your debts in a timely manner, notify the IFC. To do this, use the phone number 8 800 333 2757.

1. Go to the website and click the "Get Money" button;

2. Enter your details. And click the «Next» button below;

3. Enter the code from the SMS message;

4. Enter your passport details;

5. Enter general information (income, expenses, loan amount, etc.). Then click the «Get Money» button;

6. Wait for a decision;

7. If the application is approved, enter the necessary details to receive the loan.