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.
Some microfinance and microcredit companies require information about your place of work and income when applying for a loan. If for some reason you cannot provide it, then a company that does not require information about income and employment is suitable for you. To apply for a loan, just leave an application on the IFC or MCC website. This page contains companies where you can get a loan without specifying your job. When choosing, consider the amount and term, interest rate, requirements for borrowers and other conditions.
Conditions for obtaining a loan without specifying a job
Unemployed, self-employed people and people working without official employment can apply for a microloan. Pensioners can also get a loan. You are not required to provide proof of income, work record book and/or employment contract. Most importantly, at the time of receiving a microloan, the borrower must be 18 years old. To apply for a loan, you will need a citizen’s passport.
You can get a loan by submitting an application on the website of a microfinance company. The average loan size ranges from $1,000 to $30,000. The review usually takes place quickly and takes no more than 30 minutes. After the loan is approved, you must indicate a bank card or other method of receiving money. After this, the money will be transferred to the specified details within 5 minutes.
You can pay for the loan in your personal account using a bank card. You can close the loan ahead of schedule, in which case the interest will be recalculated for the days of using the loan. If you do not have time to pay the loan, it can be extended through your personal account with the payment of interest.
Avantages
This registration method is suitable for those who cannot confirm their place of work – for example, self-employed or unemployed people
You will not need to disclose information about your place of work to the microfinance company
An application for such a loan is processed and reviewed faster
Défauts
Many MFCs and MCCs still require basic information about place of work and income to receive a microloan
The likelihood of an application being approved without information about the place of work may be significantly lower
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