Place |
Name |
Characteristic in the rating |
1 | Seimer | Fully automatic issuance of microloans |
2 | Honestly | Expanded bonus program |
3 | LIME | Discounts for regular borrowers |
4 | Turbo loan | Best percentage |
5 | credit plus | Loans up to 100,000 rubles per year. Best conditions for new clients |
6 | Mig Credit | One of the leaders in the microfinance lending market |
7 | Money Man | The best choice of lending programs |
8 | Joy Money | High application approval rate |
9 | Pay P.S. | Loans from the age of 18. Loans for the purchase of goods from partners at 38.5% per annum |
10 | FastMoney | Online loans and loans in offline offices |
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You can argue for quite a long time about how profitable or unprofitable online loans are for a card, the advertising of which is actively flashed on the Internet. But it is difficult to argue with the fact that this is the fastest and easiest way to get sometimes the amount of money that is urgently needed right here and now.Recently, banks have also significantly simplified the receipt of consumer loans, and credit cards are issued on more simplified terms, but all the same, microfinance organizations (MFIs) work faster, check the application and issue money around the clock, impose a minimum requirement on borrowers and actively demonstrate loyalty. The fee, however, for this is quite high - the interest is often not just high, but huge. We have compiled a rating of the best online card loans depending on the interest rate, the lender's fame and the reviews of real customers. With the help of the material, you can easily choose the most reliable MFI for yourself.
TOP 10 best online loans per card
10 FastMoney
Interest rate: 1% per day
Rating (2022): 4.2
QuickMoney is a fairly well-known and reliable MFI with many offline offices, as well as issuing fast loans online to cards. By leaving an application through a website that operates around the clock, you can get up to 30,000 rubles for up to 30 days. The company claims to work almost without failures, approves 98% of correctly completed applications, giving an answer about the possibility of lending almost instantly. The interest rate is simple and understandable - 1% per day.
A person aged 18 to 75 who has the citizenship of the Russian Federation and a permanent source of income can get a loan. You do not need to confirm anything, just enter your data in the questionnaire. Despite the loyalty of the company, not everyone approves a loan in Quick Money - they look at the credit history and the current amount of debts. Judging by the reviews, MFIs sometimes refuse for existing loans or if the story was previously spoiled by a delay.
Like other MFIs, BystroDengi has the option of extending the loan for a period of 7-30 days. To activate it, you only need to apply through the site and pay the interest already accrued. The company regularly holds promotions, draws prizes and distributes privileges. You can follow the news and interesting offers on the website.
9 Pay P.S.
Interest rate: 0-1%
Rating (2022): 4.2
A microfinance organization that does not forget about helping others. Pay P.S. She is actively involved in charity work - as part of the "Help on Your Behalf" campaign, she sponsors the treatment and rehabilitation of seriously ill children under her care. 100 rubles from each loan taken under the action goes to the treatment of children. In fact, each client is attached to the common cause.
The first loan is issued in the amount of up to 15,000 rubles for a period of up to 25 days. If you limit the period to 20 days, then you can not pay interest. Upon repeated application, the amount of borrowed funds can increase to 100,000 rubles, and the loan term is up to 12 months. To apply for a loan, you will need a passport and SNILS. In addition, the applicant must be of legal age and have a stable income. The interest rate is 0.8-1% per day. In addition to card loans, it also offers loans to purchase goods from partners. The tariff is called “I take grace 7”, offers a loan of up to 30,000 rubles for 6 months at 38.5% per annum.
There are no additional commissions for extending the loan term - you will only need to cover the interest. In reviews, customers sometimes write that after extending the return period, Pay P.S. no longer wants to lend to them.In addition, the MFI is attentive to the solvency of clients and tries not to work with those whose credit history is damaged.
8 Joy Money
Interest rate: from 0-0.76%
Rating (2022): 4.3
Reliable MFI, which is great for people with a bad credit history. Amounts up to 30,000 rubles are given here for a period of a month with a lump sum repayment, and up to 60,000 rubles for up to 18 weeks and with a debt repayment every 2 weeks. At the first contact, you can immediately receive up to 10,000 rubles without interest at all, but the privilege applies only to new customers.
The interest rate starts from 0.76% per day and depends directly on the loan amount and term. To receive money instantly and without refusal, you only need a passport. Applications are reviewed around the clock Age of borrowers must be at least 21 years old. The loan is approved by almost everyone who has provided the necessary documents and fits into the age range.
You can increase the loan term from 1 to 15 days if you pay the accrued interest. MFI is convenient in that it allows you to open microloans, even if you already have a couple of loans, not to mention the sad banking past. But it will not be possible to issue more than one loan here at the same time, it is prohibited by the rules.
7 Money Man
Interest rate: from 0-0.5%
Rating (2022): 4.3
A convenient company for both small and relatively large loans. The first loan is given without interest. It is provided in the amount of up to 30,000 rubles for up to 21 days. If you need more time to repay, you can extend the loan term up to 30 days. But then the action will not work.Clients with a history can borrow up to 80,000 rubles for up to 18 weeks. You can extend the return period and get up to 4 weeks extra.
There are six loan programs. For each, a fixed minimum percentage is scheduled, the value of which is indicated only with the wording “from” and is indicated within 0.5-0.9% per day. The exact rate for each particular borrower becomes clear only after the approval of the application.
The presence of a permanent place of work, at least an official one, is of no interest to anyone - no one will be engaged in verification. No references or copies of documents are required. Reviews about the company are very contradictory. Someone swears about the incorrect work of the call center, and someone likes the speed of decision-making and the convenience of the site as a whole. Clients write that MFIs may be refused if there is an outstanding debt or if the credit history is very bad.
6 Mig Credit
Interest rate: 0-1% per day
Rating (2022): 4.4
Migcredit is one of the leaders in the Russian microcredit market. The MFI has existed since 2011, is distinguished by its reliability, constantly increases the size of its loan portfolio and increases the attractiveness of financial products for the population.
By contacting Mig Credit for the first time, you can urgently receive 5,000 rubles for 10 days without interest at all. By returning the money on time, the borrower earns a positive reputation, which opens up an opportunity for him in more extensive lending. He gets access to a “Before salary” microloan in the amount of up to 15,000 rubles and for a period of a month, as well as a more serious “Comfortable” microloan up to 100,000 rubles for a year.
Filling out an application for a loan takes no more than five minutes, checking it around the clock will take another couple of minutes, and money is credited to the card almost instantly. To receive an amount of up to 30,000 rubles, it is enough to be an adult, larger microcredits are issued to borrowers from the age of 21.
5 credit plus
Interest rate: 0-1% per day
Rating (2022): 4.5
MFO CreditPlus compares favorably with a number of competitors, since it offers not only quick and short loans in the amount of up to 30,000 rubles for a month, but you can also get a loan in the amount of up to 100,000 rubles for a period of 2 to 12 months. The latter are available only to those who are already a client of the company and have previously received money here. Rates on short loans are 1% per day, on loans up to a year - 0.5-1% per day.
Favorable conditions are also available here for new borrowers, whose first loan is offered at 0%, but in a full amount up to 30,000 rubles and for a period of up to a month. Many other MFIs give new clients less than current ones, and the terms are noticeably reduced.
For those who, for some reason, cannot return the money on time, a loan extension service is available. You can issue it yourself through your personal account on the site, it is available to everyone without refusal. No additional fee is charged, but you must pay the interest that is accrued for the time of using the money.
4 Turbo loan
Interest rate: 0.49-1% per day
Rating (2022): 4.6
Almost everyone can urgently receive a small amount of money in the Turbo Loan MFI.Up to 10,000 rubles are available to new borrowers for up to 7 days, and those who have already taken loans here are ready to offer up to 50,000 rubles for up to 24 weeks. Applications are considered around the clock, the decision on the possibility of receiving money is issued almost instantly. The rate on loans up to 30,000 rubles for a month is 1%, on loans up to 50,000 rubles for 24 weeks - 0.49-1%.
Any person between the ages of 18 and 65 who is ready to repay the debt with interest within a predetermined period can get a loan. One of the conditions for obtaining a microloan is the presence of a registered bank card or Yu-Money wallet, a personal mobile phone and citizenship of the Russian Federation.
Turbo Loan has a clear and informative website, where it is easy to get the necessary information. The support phone is also listed here, but it does not work around the clock, but only from 7 to 20 hours Moscow time, and calls to the line are paid.
3 LIME
Interest rate: up to 1% per day
Rating (2022): 4.7
LIME is a convenient MFI with an interesting loyalty program for regular customers. The maximum loan amount is 70,000 rubles. You can return it within 5 months. The first loan in the amount of up to 20,000 rubles for up to 15 days can be obtained free of charge, that is, without paying interest on the use of money.
The base interest rate is 1% per day. Of the documents, you only need to provide a passport, as well as indicate the data of SNILS or TIN. Loans are issued to people over the age of 21, including students. Consideration of the application takes no more than 1 minute, money is transferred almost instantly, however, in some cases, the consideration time can be increased.
LIME has a multi-stage loyalty program aimed at those who often borrow money here and always pay it back on time. So, after receiving and returning 3 loans, the discount on the interest rate will be 8%, 6 - 14%, and if you take and return more than 9 loans, the amount of the privilege will increase by 20%. The status earned in the loyalty program is easy to lose if you do not fulfill the conditions indicated by the lender. In addition to basic discounts, the company periodically offers individual discounts, making mailings to individual borrowers.
2 Honestly
Interest rate: up to 1% per day
Rating (2022): 4.8
MFI Chestnoye Slovo offers two types of loans - a microloan in the amount of 3 to 30 thousand rubles for a period of 10 to 31 days and a lump sum repayment and a consumer loan in the same amount, but for up to 70 days and five payments to return. For those who apply for the first time, they are ready to provide 30,000 rubles for 15 days without paying interest on the use of money. In other situations, the interest rate is at least 1% per day, but may be reduced for regular customers. Penalty for delay - 0.2% for each day. In order to prevent the formation of overdue debt, as well as in the first 3 days of its occurrence, you can apply for a loan extension using your personal account on the site.
The word of honor does not require guarantors or heaps of documents. You only need to provide a passport and meet the minimum requirements (citizenship of the Russian Federation and age from 18 to 75 years). You also need to have a source of income. But not necessarily official - you can work anywhere, as long as you have money.
The MFI has a bonus program for regular customers.With its help, you can significantly reduce the cost of processing and repaying a loan - you can get a free extension or a certain discount. Points are awarded for invited friends and timely payment of debts. Each repeated application increases your rating as a borrower. And along with the rating, the opportunities to work with the company also grow.
1 Seimer
Interest rate: up to 1% per day
Rating (2022): 4.9
The borrower is considered to be almost the most loyal MFI - it gives loans almost without refusal, regardless of the credit history and the presence of a constant income. According to information on the website, more than 70% of submitted applications receive approval. With the help of the company, you can significantly improve your credit history in order to receive money already in banks. You can take from Zaimer an amount from 2,000 to 30,000 rubles. Terms vary from 7 to 30 days. Citizens aged 18 to 75 can become clients.
The first loan here can be obtained free of charge, but only for up to 21 days. For subsequent loans, the interest rate in Zeimer will be 1.00% per day or 365% per annum. If you can’t meet the deadline indicated for the return, then you can apply for an extension through your personal account. To do this, you will need to perform certain actions and pay interest that has already been accrued on the actual number of days of using the funds. Extension is possible only for the same period for which the loan was originally granted, but you can apply for an extension up to 5 times.
The borrower is practically the fastest lender among MFIs. It is the best for those who need money urgently. The robot checks the application, analyzes the situation and makes a decision in just 4 minutes. After that, the money is instantly transferred to the client's account.Moreover, you can get a loan around the clock and any day - even at midnight Sunday. Regular customers have to wait even less.
The main parameters of online loans on the card participating in the rating
MFI | Amount, rubles | Rate, % per day | Term, days |
Seimer | Up to 30,000 | 0-1 | up to 30 |
Honestly | Up to 30,000 | 0-1 | Up to 70 |
LIME | Up to 70,000 | 0-1 | Up to 168 (24 weeks) |
Turbo loan | Up to 50,000 | 0,5-1 | Up to 168 (24 weeks) |
credit plus | Up to 100,000 | 0-1 | up to 365 |
Moneyman | Up to 80,000 | From 0 | Up to 126 (18 weeks) |
Pay P.S. | Up to 100,000 | 0-1 | up to 365 |
Joy Money | Up to 60,000 | From 0 | Up to 126 (18 weeks) |
FastMoney | Up to 30,000 | 1 | up to 30 |
Mig Credit | Up to 100,000 | 0-1 | up to 365 |