Almost every person at least once has to deal with a situation where he has run out of money, and wages will come only after some time has passed. There are a lot of possible reasons for such situations: these are unforeseen expenses, force majeure (for example, health problems, loss of a cell phone, computer breakdown). In some cases, one has to deal with salary delays at the workplace: not all employers pay the promised amounts on time. It is not always possible to borrow money from someone close to you, which is why microcredits become relevant. Let's talk about why it is quite easy to take money before payday in cases where they are urgently needed.
A small educational program
A small loan without refusal is a great way to instantly solve the problem of an acute shortage of funds. You won't have to ask any of your friends for money (which usually requires a lengthy explanation) or go to the relevant bank office (where you'll also have to prove your solvency in some detail). Since we are talking about a small amount, only a minimal amount of effort will be required from you; you can apply for a microcredit in an application that provides the ability to instantly receive a certain amount. You can get acquainted with the detailed and clearly stated conditions in the relevant sections: customers are provided with the most transparent description of possible cooperation.
Benefits of microloans
Microfinance institutions (such as the creators of the application "Loan without refusal") have many advantages that distinguish them from the vast majority of "big" competitors. Let's list them, partly summing up, and partly supplementing the above:
You get the opportunity to instantly solve small material problems.
You can get a loan in your preferred way (cash or transfer to a bank card).
Almost anyone can receive money: the requirements are minimal, funds are issued to almost every applicant.
You can sign the contract at any time and in any place; the only thing that is required from the applicant is the presence of a properly working Internet. You do not need to meet with the organization's employees in person.
You will not need to collect a large package of documents (without which you will not be able to receive funds from a regular bank).
The whole procedure is quite fast, which saves a lot of time.
Requirements for the borrower: - Over 18 years old - Citizenship and passport - Any credit history Conditions for obtaining an online loan: - Loan term from 6 to 11 months; - Loan in the amount of 5000 to 30000 ₽; - Minimum rate for using a loan: 0.1% per day - Maximum rate for using a loan: 1% per day - Interest rate per day - 0.6%. - Loan term from 65 to 278 days. The annual effective remuneration rate (APR) is not more than 365% per annum. Calculation example: for a loan in the amount of 23000 ₽ for a period of 163 days, the overpayment will be 22494 ₽. TIC (full cost of the loan) as a percentage is 98% per annum. Consequences of non-payment on the loan: In case of violation of the terms of payment of the online loan, the amount of the penalty may be 0.1% of the total amount of delay per day, but this amount of penalty cannot exceed 10% of the entire loan.
