Займ на карту — ФинТоп

FinTop is an app for comparing and selecting loans to your card from licensed Russian microfinance organizations. Find the best offer based on rate, amount, and term—without office visits, phone calls, or unnecessary paperwork.

🔍 COMPARE ALL MFIs IN ONE APP
FinTop brings together offers from dozens of microfinance organizations with up-to-date terms. Instead of navigating through the websites of different microfinance organizations, you see everything on one screen—rates, limits, terms, and real customer reviews. Filter by amount, term, or rating and find a loan to your card with the best terms in a minute.

📋 LOAN WITHOUT CERTIFICATES OR CALLS
Apply for a loan to your card through FinTop without a single phone call. No income verification, bank statements, or office visits required—everything is online, from application to receipt. Simply fill out a short form with your passport information, and the system will automatically select microfinance organizations (MFOs) willing to approve your application.

⚡ DECISION IN 2 MINUTES
Speed ​​is FinTop's main advantage. Your application is reviewed automatically, the decision is received within 1-2 minutes, and the funds are transferred to your card within 5 minutes of approval. The service operates 24/7 – you can get a loan at night, on weekends, and on holidays.

💰 FLEXIBLE TERMS TO FIT ANY SITUATION
Amounts from 1,000 to 100,000 rubles. Your first loan from many MFOs is 0% interest with no overpayments. Funds are deposited to your Mir, Visa, Mastercard, or e-wallet. Even with a bad credit history, you can get approved – MFO partners work with borrowers who were rejected by banks.

👤 WHO IS IT SUITABLE FOR
Russian citizens aged 18 and over can apply. FinTop helps find loans for students without income verification, pensioners with simplified requirements, and those who are temporarily unemployed or on maternity leave. One application, and several organizations will review your request.

✅ WHY FINTOP
All microfinance organizations in the app are registered with the Bank of Russia and operate legally. The service is completely free—no commissions, subscriptions, or hidden fees. Personal data is protected and will not be shared with third parties. You see the full loan cost before signing the agreement—no surprises.

⚠️ FinTop 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.

Interest rate calculation example
Loan principal: 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 repayment amount, 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
Minimum repayment term: 62 days. Maximum repayment term: 365 days. The maximum annual percentage rate (APR), which includes the loan interest rate 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 is no more than 150% of the initial amount. This means that for a loan of 10,000 rubles, the debt cannot exceed 25,000 rubles.