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Loan to Card is a convenient information app for selecting and comparing online microloans from trusted microfinance organizations (MFOs) operating in the Russian Federation.

The app helps users find current offers, compare loan terms, and go to the official website of the selected MFO to apply.

💰 How the app works

• Open the catalog of available offers from MFOs
• Compare amounts, terms, and interest rates
• Select the appropriate option
• Go to the official MFO website to apply

The entire selection process takes just a few minutes.

⭐ App Benefits

— Only legal microfinance organizations (MFOs) listed in the Central Bank of the Russian Federation register
— Loan selection for different credit histories
— Transparent terms with no hidden fees
— Online application without a physical office visit
— Up-to-date information on rates and terms
— Simple and intuitive interface
— 24/7 access to information

📋 Main Microloan Terms

• Loan Term: 61 to 365 days
• Annual Percentage Rate (APR): 1% to 32%
• Late Payment Penalty: Up to 0.1% per day, but no more than 10% of the loan amount
• Extension Possibility: Subject to MFO Terms
• Hidden Fees: None

Final terms are provided directly to the selected MFO.

📊 Calculation Example

Loan: 15,000 ₽
Term: 90 days
Rate: 0.08% per day
Commission: 1,080 ₽
Repayment Amount: 16,080 ₽
APR ≈ 29%

🔐 Security and Confidentiality

The app does not collect or process users' personal data. All loan processing activities occur exclusively on the microfinance organization's website.

⚖️ Legality

All partner microfinance organizations are registered with the Central Bank of the Russian Federation and operate in accordance with Federal Law No. 151 "On Microfinance Activities."

⚠️ Important:
The Loan to Card app is not a lender, does not issue loans, does not make decisions on applications, and does not influence approval. This app is for informational purposes only.