Займы онлайн - где деньги?

Online loans to your card — find microloans from microfinance organizations in one app. Compare terms, choose a suitable loan, and receive money on your card from any bank.

This service helps you get a loan online for free: find a microloan from partner financial institutions, compare rates and terms, and submit an application from your smartphone — no need to visit a branch, 24/7.

Important: The app does not issue loans and is not a lender. We help you find and compare offers — the lender makes the decision.

What you can do in the app:
• Get a loan online to your card — find the right one in just a few minutes;
• Compare microloans and microcredits from different microfinance organizations;
• Find new microfinance organizations and current offers from partners;
• Apply for an urgent loan 24/7;
• Get a payday loan to your card from any bank;
• Calculate your loan using the calculator — amount, interest, and overpayment.

Why it's convenient:
✓ Online loans and microloans are collected in one place;
✓ Fast loan — selection takes just a few minutes;
✓ Online application — no paperwork or office visit required;
✓ Regularly updated list of microfinance organizations and offers;
✓ Loan calculator and budget planning;
✓ Safe app use.

Suitable for: those looking to get a loan online to a card, looking for an urgent or quick loan, payday loans, microloans from new microfinance organizations, or want to compare terms and choose the best loan.

📌 Key features:
🔹 Online loans to a card
Select current offers — online loans with fast review and convenient terms. Choose the right loan and receive money on your card.

🔹 Loan calculator
Calculate your loan online in advance — find out the repayment amount, interest, and overpayments.

🔹 Financial planner
Monitor your income and expenses, track loans and payments.

🔹 Budget and Goals
Plan your finances and evaluate your options before applying for a loan.

📌 Loan Terms:
• Repayment period: 62 to 365 days
• Annual percentage rate (APR): 1% to 32%, including all fees and commissions
• Daily interest rate: 0.01% to 1%
• Late payment penalty: 0.1% per day of the overdue payment, up to a maximum of 10% of the total loan amount
• Additional fees: None
• Late payments: If payments are missed for an extended period, information is transferred to the Credit History Bureau (CHB)
• Loan extension: Available with timely notification and payment of accrued interest. There are no additional fees for extensions.

📊 Example loan calculation:
• Loan amount: ₽20,000
• Loan term: 100 days
• Interest rate: 0.08% per day (approximately 2.4% per month)
• Total interest: ₽1,600
• Due for repayment: ₽21,600
• Total cost of the loan (TCO): 29.2% per annum

⚠️ What happens if you are late:
If you fail to repay the loan on time, a penalty is charged—0.1% of the overdue payment amount for each day of delay. The total penalty cannot exceed 10% of the original loan amount.

🧾 Who is eligible for a loan:
• Citizens of the Russian Federation
• Ages 18 to 75
• Possession of a valid Russian passport

ℹ️ Additional information:
• Taking into account a possible extension, the maximum repayment period can range from 61 to 1826 days
• Failure to make a payment may result in an increase in debt due to penalties, and debt information may be transferred to the credit bureau

⚠️ Important:

The app is not a lender and does not issue loans.
The service provides information and helps you find online loans from partner organizations.

All loan decisions are made by credit institutions on an individual basis.
Terms, including the rate and term, depend on the selected offer.

Privacy Policy - https://docs.google.com/document/d/18T6DTc3mXHV93-ASgqzEcZxOUsFqSqazOuZ-lHSUjfo/edit?usp=sharing

Credit institutions:
PAO Bank PSB
General banking license No. 3251 dated April 1, 2025

AO Alfa-Bank
Bank of Russia General License No. 1326 dated January 16, 2015

Asia-Pacific Bank (Joint-Stock Company)
Bank of Russia Universal License No. 1810 dated December 2, 2020