VAYVND

A empresa de microcrédito VAYVND emite microempréstimos a particulares em linha e nas agências.

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FinaGuru

A sociedade de microcrédito FinaGuru concede empréstimos em linha a curto e longo prazo a particulares. A organização não tem uma rede de agências; opera remotamente através da Internet.

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Crédito

Creditnice é uma empresa de microfinanças em atividade desde 2013. É especializada em empréstimos com processamento online, incluindo para pagar compras a parceiros; também emite cartões de crédito virtuais e disponibiliza linhas de crédito.

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Creditify

Creditify é um serviço de emissão de empréstimos urgentes em linha para um cartão bancário. Pode contrair um empréstimo sobre um cartão desta empresa para diversos fins. Não são necessários comprovativos de rendimentos nem fiadores.

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Features of a loan for 7 months

Unlike offers for a period of up to 14 days, microloans with a repayment period of 150 to 210 days offer a lower interest rate. A plus will be that the borrower has a vehicle, cottage, house or apartment that can be used as collateral. In this case, the client will receive a more favorable interest rate.

Each MFO sets its own lending conditions for potential borrowers. In most cases they boil down to the following:

• Amount – from 1000 to 500000 $
• Interest rate – from 0.01 to 0.8%
• Age – from 21 to 69 years
• Having a citizen’s passport

When applying for a long-term loan, companies check clients more carefully, pay attention to their credit history and may ask for proof of income. There may be dark spots in your CI, but they should not be critical.

On average, the rate on long-term loans for 7 months ranges from 0.25% per day or from 7.5% per month. If you leave the car title as collateral to secure the loan, the rate can be reduced to 0.05% per day or 1.5% per month. Carefully read the terms and conditions of the microfinance organization and calculate the amount of overpayment using a loan calculator before submitting your application. Also pay attention to the available debt repayment options.

Not all microfinance organizations are ready to issue money for a long period of time, especially if the client contacts them for the first time. You may have to first take out a loan for a minimum amount for a week and repay the debt on time. This will increase the likelihood of receiving a loan for 7 months or a year when applying again.