A Mixed Bag with Some Unexpected Surprises
add_circle Pros
- The money arrives on your card in under 5 minutes, which is a huge time-saver.
- They offer the possibility to extend your loan, which can be a lifesaver if you need more time.
- Their app is user-friendly and makes it easy to manage your loan.
- I received the cash I needed quickly, which was a huge relief.
- Their customer support is available to help with any issues you might have.
- The interest rates are pretty steep, so be prepared to pay more than you expected.
remove_circle Cons
- There's a fee for paying back the loan with a bank card, which can add up quickly.
- If you're late on a payment, they'll automatically deduct the money from your card, which can be a real hassle.
- They'll try to sell you on extra insurance and services, which can be a costly mistake.
- The calls from their collectors can be pretty aggressive, so be prepared for that.
- The interest rates are pretty steep, so be prepared to pay more than you expected.
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Editor's Summary
I've got mixed feelings about this microfinance organization. On the one hand, they're super fast - the money shows up on your card in under 5 minutes, which is a huge time-saver. They also helped me rebuild my credit history, which was a huge relief. But there are some downsides to consider. The interest rates are pretty steep, and there's a fee for paying back the loan with a bank card. If you're late on a payment, they'll automatically deduct the money from your card, which can be a real hassle. And be prepared for some aggressive calls from their collectors. Still, it's a decent option if you need cash quickly, but you need to be aware of the potential pitfalls.
Specifications
I've gotta say, this microfinance organization has its pros and cons. The money shows up on your card in under 5 minutes, which is a pretty sweet deal.
They also helped me rebuild my credit history, which was a real bonus.
I wish they'd give you more flexibility when it comes to paying back the loan. If you need cash for a short period, just let them know you'll pay back in a month, and then pay it off early if you can afford to. Otherwise, be prepared for some pretty aggressive calls if you're late.
The downsides:
1. If you're late on a payment, they'll automatically deduct the money from the card you used to get the loan. Make sure you have a separate card just for this purpose, and transfer the funds to another card after you get the cash.
2. Be careful when taking out a loan, as they'll try to sell you on extra insurance and services. Opt out of those, or you'll end up paying an extra 1,600 rubles. If you accidentally sign up, just reach out to their chat support and ask them to cancel it.
3. They'll call you five days before the loan is due, which is just unnecessary. And don't even get me started on the collectors – I always yell at them, refuse to answer their questions, and tell them I'll pay on the last day as agreed. The operators will get defensive and start yelling at me, too.
4. Don't pay through them, as they'll charge you a huge commission. Check their chat for ways to pay without getting ripped off.
