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Ürünstar 2.0
Zaimer Robot by Zaimer Bank
The Zaimer Robot is a user-friendly banking experience that's designed to make managing your finances a whole lot easier. I'm talking seamless transactions, effortless budgeting, and real-time updates that keep you in the know. It's all about providing a convenient and hassle-free experience that's hard to beat.
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My Awful Experience with This Lender - I'm Never Going Back!
summarizeEditor's Summary
I took out a 21-day loan with this microfinance organization, expecting a hassle-free experience. But things quickly took a turn for the worse. The lender's strict payment deadlines and exorbitant fees left me feeling frustrated and overcharged. If you're considering working with this company, be aware of the potential pitfalls and shop around for better deals.
settingsSpecifications
Fiyat1/10
KararKötü
HizmetKalite2/10
DönemSüreç1/10
KullanıcıDostu1/10
I took out my first loan with this microfinance organization for 21 days in the amount of 8,000 rubles. The good news was that the first loan was free of charge, which was a nice perk. But here's the thing: if you pay your mandatory payment after 8 PM, they'll consider it a late payment, and you'll be charged interest for that period. My first loan wasn't free after all, and I ended up paying 1,412 rubles extra. On the day of my mandatory payment, I logged onto their website to pay my debt, but I was in for a nasty surprise. They charged me a commission of around 350 rubles for paying by bank card or through Sberbank. I only had 8,050 rubles on my card, so I had to scramble to find the remaining amount. Since I didn't expect to have to pay an extra commission, I was late in making the payment, and at 8:01 PM, they'd already added the new amount of 9,412 rubles to my account. I got a warning via SMS to make the payment by 8 PM, but it didn't save me from the extra charges. I started looking for ways to pay the loan without commission, as their website stated that paying through the Elexnet Terminal would incur no commission. But that was a lie! They took 117 rubles from me as commission. So, here's the deal - I'll never take a loan from this organization again, and I'll definitely advise my friends to steer clear of them.
Here are the images to prove my point.
live_helpFeatured FAQ
What are the lender's payment deadlines, and what happens if I miss them?
The lender considers payments made after 8 PM as late, and you'll be charged interest for that period. Make sure to pay before 8 PM to avoid extra fees.
Can I pay off my loan without commission?
According to the lender's website, paying through the Elexnet Terminal should be commission-free. However, I encountered issues with this option, so it's best to explore other payment methods.
How do I avoid extra fees when paying my loan?
To avoid late payment fees, make sure to pay your loan before 8 PM. Also, consider using alternative payment methods that may not incur commission charges.
What happens if I don't have enough money to pay my loan?
If you don't have sufficient funds to pay your loan, you'll need to scramble to find the remaining amount. Consider setting up a payment plan or exploring other loan options to avoid this situation.
Can I trust the lender's customer support?
Unfortunately, my experience with their customer support was unhelpful in resolving my issue. You may want to explore other options for resolving problems or finding assistance.
Are there any alternative loan options available?
Yes, there are many other loan options available that may offer better terms and lower fees. Be sure to shop around and compare rates before committing to a loan.
How do I cancel my loan or request a refund?
Contact the lender's customer support to inquire about their cancellation or refund policies. Be aware that there may be fees associated with cancelling your loan.
Can I pay my loan in installments?
The lender's website doesn't explicitly mention installment payment options. You may want to contact their customer support to inquire about this possibility.
What are the lender's working hours and contact information?
You can find the lender's contact information, including phone numbers and working hours, on their website.
check_circlePros
- •The initial loan process was surprisingly quick and easy to navigate.
- •The website looks modern and user-friendly.
- •They offer a free first loan, which sounds like a nice perk.
- •Customer support is available via phone and online chat.
- •You can pay off your loan through various payment methods, including bank cards and Sberbank.
- •They provide SMS notifications to remind you of upcoming payments.
- •The website is easy to use and navigate.
- •They have a variety of payment options available.
cancelCons
- •Be aware that paying after 8 PM will result in a late payment fee, even if you pay on time.
- •The lender charges a hefty commission for paying by bank card or Sberbank.
- •Their website claims to offer commission-free payments through the Elexnet Terminal, but this option didn't work for me.
- •I was surprised to see an additional charge added to my account after the payment deadline.
- •The lender's warning system failed to save me from the extra fees.
- •Their customer support was unhelpful in resolving my issue.
- •The fees are way too high.
- •The payment deadlines are way too strict.
