La société de microcrédit VAYVND accorde des microcrédits aux particuliers en ligne et dans les agences.
La société de microcrédit FinaGuru accorde des prêts en ligne à court et à long terme aux particuliers. L'organisation n'a pas de réseau d'agences ; elle opère à distance via Internet.
Creditnice est une société de microfinance qui opère depuis 2013. Elle se spécialise dans les prêts avec traitement en ligne, y compris pour payer des achats auprès de partenaires ; elle émet également des cartes de crédit virtuelles et fournit des lignes de crédit.
Long-term loans on the card
A long-term loan on a card is similar to a bank loan and has better conditions compared to short-term microloans. You can borrow a large amount of $30,000 or more for a long period of time and repay the debt regularly in installments. Most often, payments are expected once every 2 weeks or weekly, but there are also monthly payments. Without collateral, you can get a maximum of $100,000 for up to 1 year. The average rate is 0.3%–0.5%, but not more than 1% per day. After approval, the money is instantly credited to the card.
How to increase your chance of approval
The chances of receiving a positive response to an application for a large loan increase if credit risks are reduced, that is, there is collateral, a guarantee, proof of income, and a good credit history. Regular clients and borrowers who fully meet the stated requirements can also count on the loyalty of MFOs. It would be a good idea to provide personal information without errors and in full.
Advantages and disadvantages of large loans
Long-term microloans have their positive and negative sides.
Avantages
You can fill out an application online at any time of the day, rather than going to the office during business hours
A long lending period allows you to repay the debt in small installments rather than repay the entire amount at once
A long-term loan on a card will help you urgently solve financial problems, rather than borrowing from relatives or friends
MFC and MCC are loyal to the client and do not put forward strict demands
Low rate ensures less overpayment
Défauts
Long application processing compared to a regular short-term microloan before payday
There are fewer such offers on the market; not all MFOs provide long-term loans
Collateral will be required for a loan amount of more than $100,000
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