La società di microcredito FinaGuru eroga prestiti online a breve e lungo termine a persone fisiche. L'organizzazione non dispone di una rete di filiali, ma opera a distanza via Internet.
Creditnice è una società di microfinanza attiva dal 2013. È specializzata in prestiti con elaborazione online, anche per pagare gli acquisti presso i partner; emette anche carte di credito virtuali e fornisce linee di credito.
Can MFOs issue loans without commission?
A commission is a fee for a service. Interest is charged for using a microloan; there are no other fees for receiving borrowed money. According to current laws, a lender cannot impose additional paid services on a client. The choice must be voluntary. MFOs issue loans without commission at a set percentage. The maximum rate is 1% per day.
Often, a company, along with a microloan, offers various services for which you need to pay. The client has the right to refuse them. This applies to the following services:
- Insurance
- SMS notification
- Legal consultation
- Telemedicine
- Emergency commissioner
Attempts to include hidden fees in the contract for the services listed below are a direct violation of the law and a reason to file a complaint with the financial ombudsman:
- Consideration of the application
- Issuing a loan in cash or on a card
- Making a payment to pay off a debt (at least one option must be free)
- Early closure of the contract
- Bank card verification
- Credit history analysis
Important! The client’s refusal to pay for paid services should not influence the decision to issue a loan. Any services are connected only at the request of the borrower. In addition, the lender must provide detailed information about their terms and conditions.
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