Займ онлайн — Копейка на карту

"Kopeyka na karta" offers online loans to your card from popular microfinance organizations with high approval rates. Choose the best terms and apply for a loan online in just a few minutes.

💳 UNREFUSED LOAN TO YOUR CARD
Get loans to your card without proof of income, guarantors, or collateral—the decision is made automatically. Even with a bad credit history, your chances are high.

⚡ MONEY TO YOUR CARD IN 5 MINUTES
After approval, the funds are instantly transferred to your bank card—usually within 5 minutes. Mir, Visa, and Mastercard cards are accepted. You can receive a loan to an e-wallet or bank account. The service is open 24/7—you can apply for a microloan at night, on weekends, and on holidays.

👤 AVAILABLE TO EVERYONE
Russian citizens aged 18 and over with a passport can apply for a loan. The service is suitable for students, retirees, mothers on maternity leave, and those temporarily unemployed. Loan amounts range from 1,000 to 100,000 rubles—choose the most comfortable terms for your situation.

📊 HOW TO USE
Open the app, enter the desired amount and term. Kopilka will show suitable offers from dozens of microfinance organizations—compare rates, terms, and user reviews. Fill out one short form, and your application will be sent to several organizations at once. Choose the best approval, and the money will be deposited to your card.

⚠️ Kopilka is an independent financial aggregator and is not affiliated with any banks or microfinance organizations. All names and trademarks mentioned belong to their respective owners. Consider your financial capabilities before applying.

Example interest rate calculation
Loan principal amount: 20,000 rubles. Loan term: 100 days. Loan usage fee: 0.08% per day, or 16 rubles per day, or 2.4% per month (averaged over 30 days), or 480 rubles per month (averaged over 30 days). The total fee for 100 days is 1,600 rubles. The total amount to be repaid, taking into account the loan amount, is 21,600 rubles. The full loan cost (FLC) as a percentage is 34.49% per annum.

Loan Terms
The minimum repayment term is 62 days. The maximum repayment term is 365 days. The maximum annual percentage rate (APR), which includes the loan interest and all other fees and expenses for the year, is 32% and 1%. The annual interest rate for using the loan is a minimum of 1% and a maximum of 32%. The minimum daily interest rate is 0.01%. The maximum daily interest rate is 1%. Late payment penalty: 0.1% of the overdue amount per day, up to a maximum of 10% of the loan amount. There are no other fees or charges.

Consequences of late payment
In the event of late payment, the penalty amount will not exceed 150% of the initial amount. This means that for a loan of 10,000 rubles, the debt cannot exceed 25,000 rubles.