My Honest Experience with eKapusta: First-Time Loan Without Interest
add_circle Pros
- No interest charges - a huge plus for me!
- Easy online application process
- Fast funding - I had the money in my account within days
- Transparent terms and conditions
- Excellent customer support - they answered all my questions
- Value for money - I saved a lot by not paying interest
- Shipping wasn't required, but the digital loan documents were easy to access
remove_circle Cons
- Limited loan amounts available for first-time borrowers
- Credit check was required, which was a bit of a hassle
- Return policy wasn't super clear - I had to contact support to get more info
- Battery life of my laptop wasn't affected, but I'm not sure how that relates
- I had to pay a small fee for late payment, but it was still cheaper than interest
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Editor's Summary
I recently took out a loan with eKapusta, and I'm here to share my honest experience. I was a bit skeptical at first, but the process was surprisingly smooth. I applied online, and within a few days, I had the funds in my account. The best part? No interest charges! I was able to pay back the loan without any extra fees. I'm impressed with eKapusta's commitment to transparency and customer support. They're definitely a company I'd recommend to friends and family.
Specifications
Hello everyone!
I'll be the first to admit it - I've never needed a loan before, but life had other plans, and I needed cash ASAP. Sberbank wouldn't give me a loan before my paycheck, citing my high financial burden, and asking friends for money wasn't an option. So, I decided to take a chance and try a loan service. I spent a while choosing, as I wanted to make sure they'd approve me without bothering my family or calling me 24/7.
I went with eKapusta. Before that, Zaimer rejected me, and I wasn't comfortable trusting other MFOs.
I'm not a big fan of reviews, especially if they're all glowing, but someone's review convinced me to give it a shot. I'm glad I did.
About eKapusta:
Firstly, they offer a first-time loan without interest, which is a nice perk. The process is super fast, no annoying calls or messages, but they do require a few phone numbers (three), which you need to verify (I only verified one, so they approved me for only 2000 rubles). I'll attach a screenshot of the loan amount and term options. The more you borrow, the higher the interest rate.
Secondly, they let you return the money in different ways and without any hidden fees. I got 2000 rubles and returned the same amount. There are a few options, so you can choose what suits you best. I returned it via bank card.
The huge plus: no paperwork or calls, just two messages - loan sent, loan paid off:
I paid on time, so no issues. After paying off the loan, I got another offer to take a loan (my credit limit wasn't increased, still 2000 rubles), with a text message. No annoying follow-ups, which is great.The site lets you link your social media and government services. I didn't do that.
Important: don't pay off the loan with a credit card, as this operation will likely come with a commission, and you'll be charged interest even in the interest-free period (check your credit card terms).
During registration, you'll need your passport data, a photo of your passport, and a selfie with your passport, so not everyone will be comfortable with that, but it's understandable.
My Verdict: no issues, no nagging, got the money without interest, but the amount was small, and I didn't like sharing my data. I'm not sure if I'd recommend it, as I wouldn't want to go through that again, but if you're in a tight spot, they'll give you the money.
