Займы онлайн — Кошелёк

"Koshelek" is an aggregator of online loans to your card from trusted Russian microfinance organizations. Compare terms, submit a single application, and receive money instantly on your card—no office visits or unnecessary paperwork.

💳 LOAN TO YOUR CARD WITHOUT A CREDIT CHECK
Bad credit isn't a death sentence. "Koshelek" brings together microfinance organizations with high approval rates that issue loans without a credit check. You don't need to call your employer, provide income verification, or guarantors—a passport is enough. A microloan of up to 100,000 rubles is processed online in 2 minutes, and the money is instantly deposited to your Mir card, Visa card, or e-wallet.

⏰ MONEY UNTIL PAYDAY 24/7
Not enough until payday? Apply for a loan to your card anytime—the service is open 24/7, 7 days a week, 7 days a week, 7 holidays. Transfers take just 5 minutes after approval, and the amount can be from 1,000 to 100,000 rubles. Payday loans are available even at night or on weekends—our partner microfinance organizations process applications 24/7.

🆓 FIRST LOAN AT 0%
Is this your first loan? Many microfinance organizations offer your first loan for free—without interest or hidden fees. The "Wallet" app will show you all current promotions with a 0% interest rate for new clients, so you can try the service without overpaying.

👤 WHO CAN GET ONLINE LOANS
Russian citizens aged 18 and over can apply for a microloan on a card—a passport is enough. The service is available to students without income verification, pensioners on special terms, and mothers on maternity leave. Even with a bad credit history or without official employment, your application will be reviewed—a decision is made automatically based on your passport information.

📊 HOW IT WORKS
Indicate the desired loan amount and term, compare offers from 50+ microfinance organizations on one screen, and fill out a short application. Your application is sent to several organizations at once—you'll receive a list of approved ones and choose the best option. Funds will be deposited to your card within minutes.

✅ WHY "Koshelek"
The app contains only licensed microfinance organizations from the Bank of Russia register. Selecting and comparing is free—no fees. Personal data is not stored or shared with third parties. All terms and conditions are transparent—real rates, no fine print.

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

Example interest rate calculation
Loan principal amount: 20,000 rubles. The loan term is 100 days. The loan usage fee is 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 repayment amount, including 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.