Sometimes for a dream or a necessary purchase, just a little money is not enough. In this case, in order not to take out large loans from banks, many people prefer to take out a microloan - a service in which the borrower receives a small amount of money for up to a month. Konga is a service that allows you to get a microloan without leaving your home.

Konga personal account

To open access to your personal account, the user will need to register. You can do this by clicking “Create an account” or using the quick loan application form on the main page.

How to register

On the main page of the service, the user will see two sliders: the first one can adjust the loan amount, the second one - the period within which the debt must be repaid. Having decided on these data, click “Get money”. After this, you need to fill out a form with information about yourself:

• Full name and date of birth;
• contact details: telephone and email address;
• passport details;
• place of residence.

Reference: the form is fully protected and user data is stored in encrypted form.

How to use

In your personal account, you can track the status of your microloan: the amount to be repaid and the date by which the debt must be repaid. In addition, in the personal account the user will be able to:

• apply for a re-loan;
• change settings, for example, change or add a card;
• extend the loan term;
• change password;
• read the loan agreement;
• Find out the details for debt repayment.

Requirements for the borrower

The user applying for a loan must meet the company's requirements and have:

• personalized bank card with a positive balance of 10 rubles;
• regular income;
• age from 21 years.

Required documents

Only a fully capable citizen of the Russian Federation who has a passport can receive a microcredit. For registration you only need this document.

Important! According to the loan agreement, the lender may additionally require you to provide a copy of your passport or other document, as well as a card statement showing the flow of funds.

Lending terms

When borrowing a certain amount, the borrower undertakes to repay the debt within a specified period, as well as pay interest, which is calculated daily. The amount until full repayment includes the loan body and accrued interest. It varies depending on the size of the loan and the number of days of lending.

Current tariffs

The user can find out his tariff in his personal account. Thanks to a convenient system, Konga borrowers who actively use microloans from this service have the opportunity to improve the tariff over time, thereby reducing the interest rate and increasing the maximum loan amount. There are 4 tariffs in total:

1. Start. Loan terms are available to all registered users: loan amount - from 2000 to 8000 rubles for a period of 7-30 days, rate - 1.8% per day. Users also have access to an unlimited number of term extensions.
2. Plus. The loan amount varies from 2,500 to 14,500 rubles for a period of 7 to 30 days at a rate of 1.8% per day. An unlimited number of extensions are also available with this tariff.
3. Premium. The user can take out a microloan in the amount of 2,500-20,000 rubles for a period of 7-30 calendar days. The rate is 1.8% per day, multiple extensions are available.
4. VIP. The loan amount is 100-20,400 rubles, but the function of increasing the limit is available. Loan term - 5-90 days. The rate can range from 0.77 to 1.9% per day. If you take out a loan for 5 days, the rate will be 0% (free use of the loan). You can also use the extension of the loan term for free.

Regular use of the Konga service increases the tariff. In addition, the user can speed up promotion by joining the company’s official communities on social networks, leaving positive reviews on various platforms. The absence of delays and activity on the portal also accelerate the growth of the tariff.

Loan application process

To apply for a loan, you must register using the form using the “Create an account” button, or through the main page of the site, using the loan calculator. To apply, indicate the required amount and loan term, fill out the form and wait for the application to be reviewed by the system.

Attention! Applications are reviewed automatically within a few minutes.

In your personal account, you can choose the method of obtaining a loan, depending on the borrower’s requirements. Once the funds are received, the credit period begins to count down.

Ways to get a loan

Choose the most convenient way to receive funds from the available ones:

• to a bank card;
• on Yandex.Money;
• to QIWI wallet
• through the CONTACT payment system.

Regardless of which method is preferable, you will definitely need to link a bank card - without this it is impossible to get a loan.

Loan repayment methods

Available ways to return funds to the lender are displayed in your personal account. The user can choose the most convenient method from the following:

• by bank card;
• through a bank account;
• from the Yandex.Money service;
• via Qiwi wallet;
• using the Qiwi terminal.

In addition, each borrower can repay the debt ahead of schedule. You won’t need to pay any additional fines for this - you just need to pay a percentage of the loan amount for the actual days of use.

Mobile app

Konga has expanded the capabilities of Android users: they can download an application for quick access to their personal account. Here you can find all the information that is contained on the site: it is adapted for smartphones, thanks to which the user can check the loan amount at any time, find out the details, change settings or use other convenient functions.

Advantages and disadvantages

Many users have already appreciated the main advantages of Konga:

1. Simplicity and convenience. Any actions (loan application, extension, debt repayment) are carried out through your personal account. Everyone can figure out the procedure.
2. Possibility to extend the loan term without penalties, possibility of early repayment without additional fees. Such options are not available in every microfinance organization.
3. Quick decision making on an application.
4. 24/7 service: loans are issued on weekends, holidays and even at night.
5. Money transfer is carried out instantly.
6. There is no need to visit the office of a microfinance organization.
7. A large number of ways to obtain and repay a loan.
8. Possibility to switch to a more favorable tariff over time.

Creation of a personal account on the MFO Konga website. The loan of a personal account occurs by filling out a questionnaire. In this form, the user provides the following information:

1. Full name, if there is no middle name, you must tick the appropriate box.
2. Date of Birth.
3. Mobile phone.
4. Floor.
5. Email.
6. Passport data (series, number, issuer, place of birth).
7. Actual registration address.
8. Password to protect your account.

All fields marked with asterisks must be filled out. Upon completion of registration, you must agree to all terms of service by checking the appropriate boxes.

Pros of the company

The service is adapted for mobile devices; you can apply for a microloan from anywhere with Internet access. Customer data is reliably protected. Loans are issued 24 hours a day, seven days a week, and can be applied for from anywhere in Russia.

Requirements for borrowers

1. The borrower must have a passport of a citizen of the Russian Federation.
2. Age limited to 21 years.
3. Availability of a personal VISA or MasterCard card.

Methods of obtaining and repaying a loan

To receive funds you can choose:

1. , linked to the account.
2. Transfer to QIWI wallet.

You can pay off your debt:

1. From a bank card.
2. QIWI wallet or Yandex Money.
3. By bank transfer to the company account.

Congo Loan personal account login

If you use the Konga Loan service again, you can use your personal account to fill out an application; to do this, you need to log in by clicking on the button in the upper right corner on the main page of the site. Next, enter your phone number and password; if you forgot it, use the recovery service.

Creation of a personal account on the MFO Konga website. The loan of a personal account occurs by filling out a questionnaire. In this form, the user provides the following information:

1. Full name, if there is no middle name, you must tick the appropriate box.
2. Date of Birth.
3. Mobile phone.
4. Floor.
5. Email.
6. Passport data (series, number, issuer, place of birth).
7. Actual registration address.
8. Password to protect your account.

All fields marked with asterisks must be filled out. Upon completion of registration, you must agree to all terms of service by checking the appropriate boxes.

Pros of the company

The service is adapted for mobile devices; you can apply for a microloan from anywhere with Internet access. Customer data is reliably protected. Loans are issued 24 hours a day, seven days a week, and can be applied for from anywhere in Russia.

Requirements for borrowers

1. The borrower must have a passport of a citizen of the Russian Federation.
2. Age limited to 21 years.
3. Availability of a personal VISA or MasterCard card.

Methods of obtaining and repaying a loan

To receive funds you can choose:

1. Loan to a card linked to your account.
2. Transfer to QIWI wallet.

You can pay off your debt:

1. From a bank card.
2. QIWI wallet or Yandex Money.
3. By bank transfer to the company account.

Congo Loan personal account login

If you use the Konga Loan service again, you can use your personal account to fill out an application; to do this, you need to log in by clicking on the button in the upper right corner on the main page of the site. Next, enter your phone number and password; if you forgot it, use the recovery service.

Anyone can face the problem of lack of money. However, not everyone will go to the bank for a loan. It is much more convenient to take out an online loan; this service will be provided to you by microfinance organizations - MFOs. One of them is Konga.

Konga - what is it?

This is an online service that provides microloans. Anyone who finds themselves in a difficult financial situation can count on help in a matter of minutes. The service is provided only to citizens of the Russian Federation aged 21 years and older who have a personalized Visa or MasterCard.

How to calculate the amount of overpayment?

It's very easy to do. There is a loan calculator on the main official website https://www.konga.ru/. He will quickly calculate the amount and indicate the return date. You just need to select the desired parameters on the scale.

Receipt procedure

The first loan is issued in three steps:

• Step 1. Create an account. Click "get money" in the online calculator. On the page that opens, enter your full name, date of birth, phone number (an SMS confirmation code will be sent to it). In some cases, you may be asked to upload scanned documents.
• Step 2. Linking a personal bank card. Enter your card details in a secure form and fill in the necessary information to select a tariff.
• Step 3. Receive money. Sign the contract using the code received via SMS and receive money.

Get a repeat loan in two steps:

• Step 1. Log in to your personal account from the main page using your phone number and password.
• Step 2. Receive money.

A new application can be submitted one day after the current loan is repaid.

It also happens that the service refuses to receive a loan. The reasons may be different:

• falsification of personal data;
• inconsistency of the documents provided;
• the presence of debt on previously issued microloans;
• low solvency;
• bad credit history.

Benefits of lending

Microloans from Konga are:

• speed: the automated system solves your problem within 1–5 minutes;
• simplicity: just enough passport data, no questionnaires;
• benefit: for regular customers – 0% for the first five days and free extension of the term;
• mobility: fill out an application not only from a PC, but also from a mobile phone;
• Availability: lending 24/7 throughout Russia;
• security: your personal data is guaranteed to be protected.

How to repay a microloan?

Loan repayment in this service is as simple as receiving it. All operations are carried out through your personal account.

To repay the loan in full, select the “Return money” function and follow the instructions.

If you are unable to repay the loan in full, pay off the interest by selecting the “Repay the loan in part” option and extend the loan term (by 30 days). This can be done as many times as you like.

You can save money by paying off the entire amount before the due date. Interest is accrued only for the actual time of using the money.

In case of non-payment, an overdue debt will arise and a fine will be assessed. In addition, information about improper fulfillment of the terms of the agreement will be transmitted to the Credit History Bureau. Don't allow events like this to happen!

Loan repayment

What are the terms of provision?

The loan rate and available amount depend on the tariff level.

The first three levels – Start, Plus and Premium – provide terms from a week to one month at a rate of 1.8% per day. Only the available limits differ:

• Start – from 2000 to 7800 rubles;
• Plus – from 2500 to 14300 rubles;
• Premium – from 2,500 to 20,000 rubles.

The last level - Vip - involves an amount from 100 to 20,400 rubles (the limit can be increased). Terms vary from 5 to 90 days, and the rate ranges from 0.77% to 1.9% per day. This tariff provides 0% for the first 5 days and free extension of the loan term.

You can increase your tariff in several ways:

• Use the service as often as possible.
• Join Konga groups on social networks.
• Speak positively about the service.
• Be a conscientious payer.
• Show customer activity.

Rates

Konga Contacts

To use the service, go to: konga.ru or call the toll-free hotline number: 8-800-333-85-13

To stay up to date with the latest news, join the groups:

If you have questions, please email:

• [email protected]- for clients
• [email protected]– for investors
• [email protected]– for the press
• [email protected]– for reviews
• [email protected]– direct appeal to the director.

Legal address: 664047, Irkutsk, st. A. Nevsky, 19, room 1, 7, 8, 9.

Konga personal account

To use the service as comfortably as possible, create your personal account by clicking on the “Create account” button in the upper right corner of the main page. Fill out all the required fields, indicating your personal and passport information. Create a password to log in. You need to indicate your place of work and monthly income - and you are registered.

In the future, you will be able to log in to your account using your phone number and entering your password.

Here you select the appropriate method of receiving funds - card, electronic wallet (Qiwi or Yandex), bank account, Contact system. But regardless of your choice, you will need to register a bank card. This is done to identify you as the borrower. You can add other cards or mark the reissue of an existing one. Within a few minutes you will know about the decision made.

To delete an account or bank card, call 8-800-333-85-13 or send a written request by email [email protected].

The service can even be used using your phone through the Konga developer mobile application. Download it by clicking on the button in the upper right corner of the main page of the site, and emergency financial assistance will always be with you.

Konga is a microcredit service for issuing online loans without guarantors or collateral. To receive money from the borrower, only a passport is required. Loan requests are processed within 10 minutes, and the money is credited to the card quickly. You need to follow two simple steps to receive a loan from Konga: open your personal account on the service’s website and immediately submit an application. Loans are approved in 90% of cases. Money is given even to those who have a bad credit history or are not officially employed.

About the Konga service

A product for providing loans to citizens online was launched by the microfinance company Konga, which has been operating in the fast loan market since 2015. The activity is official, regulated by the Central Bank and conducted on the basis of certificate No. 001603550007495. The service is aimed at solving complex financial problems of anyone who applies and needs a solution to their money issue immediately.

Advantages of the Konga multifunctional complex

There are a number of important advantages of cooperation, because of which borrowers choose the service of this company:

• simple requirements for the borrower - age over 21, registration in Russia, personal card from a Russian bank;
• transparent terms of cooperation - there are no hidden fees, all clauses of the agreement are written in simple language;
• minimum package of documents - only a passport of a citizen of the Russian Federation is required;
• remote loan – applications are processed and loans are issued online;
• 24-hour processing of applications - you can apply for money at any convenient time, even at night;
• providing an extension of the contract - if it is not possible to repay the loan on time, you can extend it on favorable terms;
• security and confidentiality – client data is stored encrypted on separate servers;
• when approving applications, credit history is not taken into account - money is provided even to those borrowers who were unable to successfully repay bank loans;
• clients are offered several tariffs, which allows them to choose the most favorable terms of cooperation;
• quick approval - from the moment of submitting the application to receiving the money, no more than half an hour passes;
• loans are provided without collateral - no guarantors, collateral or income certificate are needed;
• special offers for regular customers – discounts on interest rates up to 20%.

All these advantages make Kong stand out from many other online microcredit services, which is why borrowers choose this particular MFC.

The best offers on loans and borrowings:

The official Konga website has an intuitive interface and well-thought-out navigation. For convenience, a loan calculator is available on the main page. It calculates the cost of a loan based on a given amount and term. By clicking on “Get money”, the client can immediately proceed to filling out the application. The main page of the service provides access to 6 main sections of the site:

1. “About the company” – provides detailed information about the service.
2. “Customer support” – access to the section with answers to frequently asked questions.
3. Getting a loan” - detailed conditions for providing money for the first and repeated applications.
4. “Tariffs” – current offers for issuing loans.
5. “Loan repayment” – detailed conditions for debt repayment.
6. “News” is a section with current information about the service.

The main sections of the site on the main page of the Konga multifunctional complex

Registration in your Konga personal account

To get a loan in Kong, you need to create a personal account on the official website. On the main page, indicate the amount and term of the loan, and select the “Get money” option. An alternative option is to click on the “Create account” button at the top right.

Creating a Konga personal account

Registration takes place in three stages. First, fill out the first form, where the following data is indicated:

• last name and first name;
• Date of Birth;
• place of residence (according to registration);
• passport number, date and issuing authority, validity period;
• email;
• desired password;
• Mobile phone number.

Form for registering a personal account

When filling out the form, you must provide accurate information. False information in the application form is the most common reason for refusal to issue loans.

The second stage is choosing a tariff plan. On the page that opens, the new client will be offered available lending options.

Questionnaire for registering your Konga personal account and choosing the type of microloan

The third stage is choosing a convenient way to receive money. The client is offered a list of available payment systems.

The potential borrower is required to link a bank card, regardless of the selected loan credit method. The procedure is necessary for additional identification of the citizen. The system automatically redirects to a page where you fill out an additional form.

Without verifying a Visa or MasterCard card, it is impossible to get a loan.

Linking a bank card occurs in 3 stages:

1. The form indicates the card number, date of issue, owner's name, and the last three digits of the CVV.
2. Click the “Register card” button.
3. Within a few minutes, the service debits a random amount from 1 to 10 rubles from the card. The client receives an SMS from the bank about the withheld funds. It is important to indicate in the special field of the questionnaire exactly how much was written off by the service and click on “Finish”.

The money is returned to the bank account again after the card has been linked successfully.

How to log into your personal account on the konga ru website

To log into your account, use your phone number and password. To log in, you need to click on the “Login” button on the main page of the site.

Login to your Konga account

You can visit the site from any device – computer, tablet, smartphone. The only condition is that they must be connected to the Internet.

Password recovery

There are often cases when a client cannot remember the password. To restore access to your account, click the “Login” button on the main page of the site. In the form that opens, select the “Forgot your password” option. Next, indicate the mobile phone number that was used during registration.

Recovering your Konga account password

Within a few minutes, the user will receive an SMS containing a code to log into the account.

Features of Kong's personal account

The user’s personal workspace in the online service opens up the following opportunities:

• adjusting profile data – you can change personal information if necessary;
• registration and sending of applications in a few clicks;
• loan calculator – calculation of interest rates, selection of favorable tariffs;
• information on the current loan - terms, repayment stages, accrued interest;
• loan extension – the client can avoid delays and fines if there is a delay in loan repayment;
• making payments on an open loan - instant debt repayment using a bank card;
• early repayment of the loan - this option allows you to save on interest payments;
• feedback – contacting the service support;
• promotions – access to special offers on Konga microcredit products.

Due to the wide functionality of the personal account, it is easy for the user to obtain the necessary information and carry out the necessary actions without seeking help from support specialists. Detailed video instructions for working with your Konga personal account:

Apply online for a loan

To get a loan from Konga, you first need to fill out an application. It indicates the amount and term of the loan. Applications are processed by the service automatically. The waiting time for a response ranges from 1 to 5 minutes.

If the application is approved by the service, an SMS with a secret code is sent to the potential borrower’s mobile phone. It remains valid for 10 days. After entering the code in your personal account, the citizen chooses a convenient method for crediting credit funds.

Requirements for the borrower

To receive a loan, the applicant must meet the following requirements:

• age from 18 to 65 years;
• citizenship of the Russian Federation;
• a valid Russian passport and registration in Russia;
• personalized card from a Russian bank with a positive balance of 10 rubles.

In some cases, the MFO requests additional documents, for example, a foreign passport, driver’s license, income statement. They are presented in the form of scanned copies, sent to the email specified by the lender, or uploaded in your personal account. Such minimum requirements for borrowers make lending at Konga accessible to almost everyone.

Microcredit terms

Online loans from Konga are provided at 1.8% for up to 30 days. Amount up to 20,000 rubles. The following tariff plans are available to service clients:

Long-term loans

Additionally, the service offers a VIP tariff plan, which allows you to receive long-term loans. Loans are issued for a period of 5 to 90 days. Interest rate from 0.77 to 1.9% per day. The VIP tariff plan provides the opportunity to use a free loan for up to 5 days.

Methods of obtaining

The main way to get a loan in Konga is to a bank card. This method has several advantages:

• money arrives instantly;
• Conveniently withdraw cash from an ATM;
• there are no additional commissions.

Clients of the service are also offered other ways to receive borrowed money:

• to a bank account;
• Yandex money;
• Kiwi.

When using a bank account, borrowed funds are received within 5-7 business days. You need to find out the exact deadline for crediting money from your bank.

Applying for a loan for regular customers

When you contact Konga again, you do not need to create a personal account again. Decisions on issuing loans are made faster. Regular customers are offered more favorable individual conditions, and special promotions are available for them.

Konga loan repayment

When the loan agreement expires, the client must pay the debts without delay. He will not ruin his credit rating and will be able to receive borrowed money on favorable terms. Instructions for repaying a loan from Konga:

1. In the service’s personal account, select the “Repay debt” tab.
2. A list of available payment systems will appear. The borrower can pay the debt using a bank card, Qiwi e-wallet or Yandex.Money. An additional option is to transfer money to a bank account.
3. Having selected a suitable payment system, the debtor needs to click on the “Pay” button and follow the instructions of the service.

The loan repayment process is not complicated and allows you to use convenient payment methods.

Early repayment

The client can save by repaying the loan early and paying for the actual term of using the loan upon early repayment. There is no requirement to notify the lender in advance. You need to select the “Early repayment” section in your personal account, click on the “Recalculate” button, and the system will automatically display the amount to be paid. All you have to do is choose a convenient payment method and repay the loan with accrued interest.

Extension of microloan term

Debtors of IFC Konga can extend the loan term when it is not possible to repay the loan on time. Extension is available even for overdue loans. To extend the term of the microloan, the debtor is required to pay the accrued interest. Extension is available an unlimited number of times, but repeated extensions are at the discretion of the lender.

In case of late payment, a penalty of 0.05% is charged daily.

Attitude towards debtors