Bank Zenit
Renaissance Bank
LOCO-Bank
T-Bank
Bank Sinara
Credit Europe Bank
Loading...
About the loan
If you want a new or fresh perspective on the microfinance system in Russia, the VIVUS loan application system is definitely for you. The MFO has no physical sales points, as all microloan issuance activities have been completely moved online. Now you can get a loan from Vivus not only from a desktop computer, but also by downloading the mobile app from the App Store or Google Play in advance. Convenient financing systems have been developed for customer convenience, allowing you to apply online from anywhere in Russia. Thus, a loan is now accessible to every Russian citizen, regardless of their region of residence.
A feature of getting a loan on Vivus.ru is the commission fee condition. Thus, you receive a loan to a bank account absolutely free of charge. At the same time, commissions of up to 6% apply to electronic wallets and bank cards. However, based on VIVUS reviews, we can conclude that when repaying, the microfinance company fully covers all commission expenses.
The official name of the microcredit company is 4finance Microfinance Company Limited Liability Company. Legal registration address: Moscow, Lyapunov Street, 36, building 2, floor, premise, room 1, 1, 4-5. Registration number in the CBR register: 3120177002032 dated August 30, 2012.
Terms of obtaining a loan from VIVUS MFO
A company client can not only get a loan to a card from VIVUS, but also use another available method. Currently, several options for receiving borrowed funds are provided, but the microfinance company charges a commission for these transactions.
| Payout option | Fee | Additionally |
| Contact system | From 2.5% to 4.5% | Waiting for the SMS with the control code |
| To a bank account | 0% | Provide details, crediting within 3 business days |
| QIWI Wallet system | From 2.0% to 4.0% | Waiting for a call from the operator within 24 hours |
| YooMoney | From 2.0% to 5.0% | Waiting for a call from the operator within 24 hours |
| Visa or MasterCard | From 2.0% to 5.0% | Waiting for a call from the operator within 24 hours |
As part of the microcrediting software product, the following tariff plans are available to borrowers:
| GREEN Tariff Plan | RED Tariff Plan |
| Loan term – up to 30 days | Loan term – up to 28 days |
| Single-payment loan at the end of the term | Loan repayment in 4 installments |
| Loan extension is available | Loan extension is not available |
| ACTIVATION//GREEN amount (e.g., GREEN 8000)
to the number +7(983) 320-10-40. |
ACTIVATION//RED amount (e.g., RED 8000)
to the number +7(983) 320-10-40. Only from the registration number. |
| Activation is only available from the loan registration number | Activation is only available from the loan registration number |
Software products are available via the mobile app or the desktop website.
Terms
The loan terms of use specify the criteria for borrowers applying for online loans at VIVUS.
When getting a cash loan via the Contact system, you must obtain a transfer control code, which must be provided to the money transfer system operator. Do not forget to present your passport, as the funds will be transferred to the individual who specified their details in the application form.
To receive funds to a bank account, enter your bank account details in the website field. Account details can be obtained in two ways. First, by logging into your credit institution's online banking. Second, by visiting an office and requesting a printed copy of your card or bank account details.
Our loan matching service will help you correctly fill out an application and receive borrowed funds from the microfinance organization VIVUS. We recommend using the following tips when applying for a loan:
- Review the offer and go to the Vivus.ru website.
- Enter the amount and desired microloan term in the pop-up calculator.
- Fill in the application details sequentially.
- Consent to the provision of borrowed funds and wait for an SMS notification.
- Enter the code and wait for the microfinance organization operator's decision.
- After the application is approved and the disbursement method is chosen (following identity verification), sign the electronic agreement by entering an SMS code (a simple digital signature for the loan agreement).
Next, you need to complete the activation procedure: send an SMS notification to the phone number 8 983 320 10 40 with the text: ZAEM (loan amount) and wait for receipt.
- Russian citizenship
- Full legal capacity.
- Having a passport of a citizen of the Russian Federation.
- Permanent registration.
- Information about the source of income must be provided.
- If the bank card disbursement method is selected, you must complete the identification procedure.
- Must have a mobile phone.
When applying for an online loan at VIVUS for the first time, a microloan of up to 10,000 RUB with a 0% interest rate and a 14-day term is available to you. If you are applying to the microcredit organization for the first time, submit an application and wait for the operator's decision.
Personal account registration is available via the Gosuslugi portal. This increases the approval rate of the application and the possibility of increasing your credit limit.
Every month, the microfinance organization holds the "100% Cashback" loyalty program, where a company client who repays their loan on time or has an overdue period of only 10 calendar days can win a chance for full loan repayment without using their own funds. The total number of participants eligible for a closed loan is 5 people.
Starting July 1, 2019, and until the end of the promotion is announced, the loyalty program "7 Days Interest-Free for All Clients!" is in effect. This means that a free grace period of 7 days is established for all programs, starting from the second and subsequent loans. You take a second and subsequent loan, where a 0% interest rate applies for 7 days. During this period, you can return the loan without interest accrual, or the standard interest rate under the agreement will apply starting from the 8th day.
How to apply
You can apply for a loan on the organization's official website.
- On the main page, select the amount and term and click the "Get Money" button
2. Next, you need to enter your details: Full name, gender, email address, and phone number. Check the box and click the "Next" button. Alternatively, you can register via the Gosuslugi portal.
3. An SMS code will be sent to your phone number, which you need to enter on the website and click "Continue".
Rates
To a QIWI wallet.
Calculator
Answers to questions
Will my application be approved?
In 93% of cases, Vivus approves applications. Submit an application on the IFC's website and wait for a decision.
How long should I wait for application approval?
The standard time is no more than 7 minutes; sometimes the system processes the application within 30 minutes.
How will I find out the decision on my application?
You will receive an SMS notification.
How long will it take for the loan to be credited?
According to the IFC's marketing policy, the operator must verify the details within 24 hours for the payment systems you chose to receive the loan. Please wait a moment and the loan will become available to you.
Customer reviews
Leave a review