Listning ID 674419
5 tips on how to properly take microloans
Over the previous year, the number of borrowers of microfinance organizations (MFIs) increased markedly, only in January-October 2020 they increased by almost a quarter.
This year as a whole has become important both for the market and for borrowers - the maximum amount of payments that MFIs can require from a debtor has been reduced (from three times the loan amount to half), and the daily rate cannot exceed 1%, although recently it was above 2%.
It is possible to apply for a loan in 15 minutes without leaving your home. A profitable online loan on a Ukraine card is given in many places, there are plenty to choose from, in particular, on the website creditvsem.com.ua you can compare the offers of the best MFIs .
But you need to calculate and check everything, so what should you pay attention to first of all? To take a loan to a card online on favorable terms and find your lender, experts advise you to follow simple rules:
1) Check public and legal information about the creditor. Since 2020, all microcredit companies have been operating under the control of the National Bank. This means that they are required to disclose key information about themselves and their activities: contact phone numbers, address, state registration certificate, rules for issuing money, and even financial statements. If the lender has a dubious website, and all information is hidden, look for another place where you can get a loan on a card so as not to run into scammers.
2) Carefully read the sample loan agreement, which should also be in the public domain. By law, MFIs do not have the right to hide interest and additional charges behind footnotes, small print and asterisks, but there are still companies on the Ukrainian market that practice defrauding customers.
3) Evaluate the service and functionality. You can get a quick loan online on a card even at night and on weekends, and this is a great advantage. To feel real financial support, you should choose a lender who is ready to provide money on demand, "here and now."
4) Summarize the benefits. Many MFIs offer loyalty programs, but not all of them are really required by borrowers. Among the most profitable offers are an instant reduction in the interest rate on promotional codes, participation in weekly draws and a guaranteed return of cashback.
Find out what happens in case of delay. When applying for an online loan, we believe that we will quickly pay off the debt, but sometimes life circumstances are not in the best way. In order not to drive customers into debt, top services guarantee a grace period, a free service for extending contracts, and, in case of urgent need, debt refinancing.
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