My Honest Take on eKapusta: Quick Loans and Fast Payouts When You Need Them Most
add_circle Pros
- I got a free first loan with no interest, which was a big perk.
- I earned bonuses for paying off my loan on time, which motivated me to stay on top of my finances.
- The loan process was lightning-fast, and I got my cash quickly.
- I could apply for a loan 24/7, which was super convenient.
- I loved the user-friendly interface and the clear instructions.
- I felt like I was getting a fair deal, with no hidden fees or surprises.
remove_circle Cons
- I was a bit worried about paying back large sums of money, but eKapusta's interest rates were reasonable.
- I had to provide some personal info, like my passport details and income, which made me a bit uncomfortable.
- The loan amount was capped, which limited my borrowing options.
- I had to specify the loan amount and repayment period upfront, which felt a bit restrictive.
- I wish eKapusta offered more flexible repayment terms, especially for customers with irregular income.
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Editor's Summary
I was skeptical about using a microfinance company, but my relative's good experience with eKapusta put my mind at ease. I needed some extra cash to cover unexpected expenses, and eKapusta delivered. Their website is super easy to navigate, and the registration process is straightforward. I was hesitant about taking out a loan, but eKapusta's transparent terms and conditions made me feel more comfortable. I was pleasantly surprised by the whole experience.
Specifications
I'm excited to share my experience with eKapusta microfinance company.
I was introduced to eKapusta by a relative who's had experience with microloans. They know which ones to trust and which ones to avoid. I took their advice because I had preconceptions about these kinds of organizations - either scammers or money pits that leave you drowning in debt. So, I turned to eKapusta for help when I needed it.
As a parent, unexpected expenses can pop up at any time. It's nice to have some extra cash to get by until the next paycheck. That's exactly why I decided to use their services.
eKapusta online loan service
The website is super easy to navigate and use.
First, you need to register.
You'll need to fill out a form with your passport details, monthly income, kids (if you have any), and their number. You also need to specify the loan amount and the timeframe when you can pay it back.
Next, the system will verify your info.
Along with checking the details you provided, the system also checks your entire credit history to determine whether to approve the loan or not, and if so, what the maximum amount would be.
Verification also includes a honesty test: you need to choose the correct answer from a list related to your credit history. For example, if you took a loan on a certain date and that date is in the list, you need to enter the correct total amount of debt. If the date and amount don't match reality, there's an option to choose 'never borrowed.' The test result helps the system understand how well you're aware of your debts and whether you're being honest.
After verification, you'll get approval.
Once you're approved, the system will offer you the first maximum loan amount. Important: there are no interest rates for the first loan! That's a great perk for one-time microloan users.
You can choose the desired amount and repayment term from the proposed range.
eKapusta online loan serviceFinally, you'll get instant payout to your card.
Once you've decided on the amount and term, you choose how you want to receive the money: it can be a Visa, Mastercard, or MIR bank card, or a System of Quick Payments or YuMoney system. Convenient! After choosing the payout method, entering your details, and confirming through an SMS code, the money arrives on your account within one to two minutes.
The 'eKapusta' online loan service The 'eKapusta' online loan service
That's it! After this, it's crucial to repay the loan on time.
The 'eKapusta' online loan service
The interest rate for the next loan depends on the borrowed amount and term: for example, if you borrowed 10,000 for 14 days, you'll have to return 11,120 rubles. That's a pretty big interest rate, but it's up to each individual to decide - that's just how microfinance organizations work, they have to increase the average interest rate.
The 'eKapusta' online loan service
The bonus program is a nice touch.
Thanks to it, you can pay part of the interest on the next loans with bonuses. The bonus program works like this: you can invite friends using a personal promo code and get bonuses together.
The 'eKapusta' online loan service
I paid off my first interest-free microloan on the ninth day, specifying a repayment term of 19 days. After timely repayment, the credit limit increases, as does the maximum loan amount.
The 'eKapusta' online loan service
eKapusta is a convenient and fast organization that's available 24/7.
I can recommend eKapusta, but with one clarification: you should only use the services of a microfinance organization if you're sure you can repay the loan on time.
Thanks for your time and stay healthy!
