In this review, we present all MFOs in Moscow that provide loans to all citizens of the Russian Federation with only a passport. You do not need additional documents confirming income, guarantors or collateral. Many companies approve microloans to young people over 18 years of age.

The following is a list of Moscow microfinance organizations, some work around the clock, others at certain hours. These microfinance organizations have minimum requirements for potential borrowers. So almost every citizen of the Russian Federation can take out a loan.

This review presents a list of Moscow microfinance organizations that provide express loans with a black list and around the clock. Many of them are well-known companies that operate online 24 hours a day. Some also have offices in different regions of the Russian Federation.

MFO Moscow	Amount, in rubles	Duration, in days	Rate, %/day
	3 000 – 99 500	3 – 336	0,26 – 1,9
	2 000 – 15 000	7 – 30	2,17
	2 000 – 30 000	7 – 30	1,9
	1 500 – 70 000	5 – 126	0,76 – 1,85
	2 000 – 30 000	5 – 30	1 – 2,1
	3 000 – 30 000	7 – 16	2
	1 000 – 15 000	5- 30	1,9 – 1,2
	2 000 – 30 000	14 – 30	1,5 – 2
	5 000 -50 000	28 – 364	0,45 – 0,5
	5 000 – 200 000	14 – 364	0,15 – 1,5

All these MFOs are distinguished by their reliability, speed of information processing and decision-making. For many, credit history is not important and a constant source of income is not necessary. This allows any Russian citizen to take out a microloan. However, remember that you must fulfill your responsibilities to return the money and do so within the prescribed period.

Mig Credit

This is a well-known organization with the highest reliability rating A++.mfi. Here you can take out a microloan for several days with repayment in a single payment or for several months with partial payments according to the schedule. The company operates online and has offices in Moscow and 60 other regions. The contract can be signed via the Internet using a unique SMS code. The support service is open from 8-00 to 21-00. Here you can receive money on a card or through cash transfer systems. There are no transaction fees.

Turboloan

The list of Moscow microfinance organizations continues with an organization that belongs to the Bystrodengi group of companies. The service operates entirely online. Application review time is 15 minutes. If approved, you choose how to receive money - to a card or to a Yandex.Money wallet. There are many ways to repay a microloan. Customer support is available from 7-00 to 20-00, where you can contact if you have questions.

Credit 24

This company operates online. Any citizen of the Russian Federation over 18 years of age can get a loan on a card here. Credit history doesn't matter. The organization works around the clock. You can contact the customer support center on weekdays from 9-00 to 21-00. There are several payment systems for refunds, as well as extensions and early repayments.

Money Man

The service operates around the clock, the customer service department is open on weekdays from 9-00 to 21-00. You need to fill out a form - all you need is a passport and send it. A negative CI does not prevent you from receiving a microloan. The entire registration process takes place online. No screenshots, certificates of employment, or package of documents. Money transfers are carried out using the international systems Zolotaya Korona, Contact, Unistream in cash, and can also be received on a card or account.

Honestly

The MFO operates 24 hours a day online. You just need to submit an application and wait for a response. If approved, you will be able to receive the required amount immediately after signing the contract. It is possible to transfer funds to a card or bank account. In addition, the company sometimes runs promotions with an interest-free rate (0%). There are privileges for regular borrowers, allowing you to take out loans at a reduced rate.

Loan Express

MFOs have more than 250 offices throughout the country, including in Moscow. The support center is open daily - from Monday to Friday from 9-00 to 21-00, on weekends - from 10-00 to 20-00. You will receive a response within 15 minutes after submitting your online application. Approval – 99%. Every citizen of the Russian Federation over the age of 18 can get an online loan from this organization. You will be invited to the office to sign the contract and receive the money. If you want to receive money online, you need to apply for a company card. In the future, you will be able to receive transfers to your card by calling.

Webbanker

You can apply for a microloan on the MFO website 24 hours a day. The MFO office is in Moscow, however, you can get a microloan anywhere in Russia. For this you only need a passport. Age restrictions: from 20 years old. The site is fully automated, so customer service is possible online around the clock. It will take up to 30 minutes to process your application. You will receive a response, and if you have received approval, you need to sign an agreement and the funds will immediately be transferred to you to YaD, card or in cash via Contact.

E Loan

The MFO is part of the TWINO international group of companies and operates in 8 countries. The office of the Russian representative office is located in Moscow. The service center is open 24/7, 7 days a week. Requirements for borrowers are minimal. You need to apply. You will be notified of the decision by phone or sent information by e-mail. Applications are usually reviewed within 15 minutes. If your request is approved, you can receive money in a convenient way - to a Qiwi wallet, card, account or in cash through the Contact system.

Home Money

This is another microfinance organization in Moscow that draws up contracts at home. You will fill out an application online on the company’s official website. You will be given an answer in 10 minutes. If it is positive, you need to arrange a meeting with the manager at your home. You will be issued a credit card with the approved amount. For those who apply again, a rate reduction is provided.

Borrow money

The company reviews applications and issues microloans during business hours from 9-00 to 21-00. Here you can take out a short-term microloan or a larger amount. You can fill out the form and send a request at any time, but you will only receive a response during business hours. Citizens of the Russian Federation over the age of 20 can receive a loan with permanent registration in the Russian Federation. Money is issued at company offices or on a card.

These are all Moscow microfinance organizations that provide loans around the clock with a black list and overdue loans. This means that credit history is not important. You can get a microloan even if you have a bad CI. Some organizations issue microloans only during business hours.

We have offered our top list of Moscow microfinance organizations, but you can also check out other companies in the reviews on our website. This will allow you to choose a company yourself with the most convenient conditions.

40+ most profitable microloans from reliable microfinance organizations. ✔ Review in 5 minutes. For 30 days up to 30,000 rubles. ✔ 24/7 around the clock. ✔ New clients at 0%.

The most profitable on the card

“To new clients” from “Metrocredit”

• new clients - no interest;
• application approval percentage – very tall;
• review speed – 5 minutes;
• payout speed – 1 minute;
• schedule - around the clock;
• 25 before 75 years;
• Required documents - passport;
• Bank account;
• There is;
• possible.

“First at 0% for a month” from “Lime-Loan”

• application approval percentage – one of the highest;
• review speed – 1 minute;
• payout speed – 2 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 18 years;
• Required documents - passport;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

“New clients without %” from “Moneza”

• application approval percentage – very tall;
• review speed – 15 minutes;
• payout speed – 5 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 20 before 65 years;
• Required documents - passport;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

“The first one is free” from “Ekapusta”

• application approval percentage – one of the highest;
• review speed – 1 minute;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 18 before 70 years;
• Required documents - passport;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

“Free for new customers” from “Money Man”

• application approval percentage – one of the highest;
• review speed – 1 minute;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 18 years;
• Required documents - passport;
• alternative form of issuance – card, bank account, “Contact”;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – unlikely.

“First loan for free” from “Joymoney”

• application approval percentage – very tall;
• review speed – 15 minutes;
• payout speed – 15 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 23 before 65 years;
• Required documents - passport;
• alternative form of issuance – absent;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

“First without interest” from “E loan”

• application approval percentage – average(the loan is interesting because it is issued quickly and for a period of up to 30 days);
• review speed – 15 minutes;
• payout speed – 5 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 20 before 65 years;
• Required documents - passport;
• alternative form of issuance - “Qiwi Wallet”, bank account, “Contact”;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

The best loans on the card for repeat clients

A repeated loan from the same organization is beneficial when the first time the obligations were fulfilled without violations. The second time, a client with a positive reputation can count on an increase in the amount and term of the loan, and a reduction in the interest rate. Registration will also be much faster.

"Turbo" by Money Man

• application approval percentage – very tall;
• review speed – 1 minute;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 18 years;
• Required documents - passport;
• alternative form of issuance - “Yandex Money”, “Qiwi Wallet”, bank account, “Zolotaya Korona”, “Contact”;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – unlikely.

“Re-loan” from “Pay p.s.”

• application approval percentage – very tall;
• review speed – 10 minutes;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 21 before 63 years;
• Required documents - passport;
• alternative form of issuance - bank account, “Contact”, “Yandex Money”;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

"LimeUp9" from "Lime-Zaym"

• application approval percentage – very tall;
• review speed – 1 minute;
• payout speed – 2 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 21 before 65 years;
• Required documents - passport and second document
• alternative form of issuance - bank account, Contact, Qiwi Wallet;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

“Repeat” from “VIVA Money”

• application approval percentage – high;
• review speed – 1 minute;
• payout speed – 1 minute;
• schedule - from 08 to 20 hours;
• special requirements for the borrower – age from 21 before 70 years;
• Required documents - passport;
• alternative form of issuance – No;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – unlikely.

"Platinum" from "Honest Word"

• application approval percentage – high;
• review speed – 5 minutes;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 18 before 75 years;
• Required documents - passport;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – unlikely.

"Permanent" from "Metrocredit"

• application approval percentage – very tall;
• review speed – 5 minutes;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 25 before 75 years;
• Required documents - passport;
• an alternative form of issuance is a bank account;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

“Loan” from “Slon finance”

• application approval percentage – average;
• review speed – 15 minutes;
• payout speed – 5 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 18 before 75 years;
• Required documents - passport;
• alternative form of issuance – No;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

The most profitable e-wallets

Of course, transferring to a card is the most popular way to receive money. Another relatively popular option is transfer to electronic wallets.

The best loans on Yandex Wallet

Receive funds to your wallet in the Yandex Money electronic system - a reliable option for microcredit. The system works without failures, finances can be cashed out or spent via the Internet. Some microfinance organizations require linking a bank card and identification when receiving money, which causes some inconvenience. This method of transferring funds is in demand, but is not popular. However, a number of companies offer this service. Full list .

"Before payday" from "Zaymer"

• application approval percentage – one of the highest;
• review speed – 5 minutes;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 18 before 65 years;
• Required documents - passport;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

“First without commission” from “Smsfinance”

• application approval percentage – very tall;
• review speed – 15 minutes;
• payout speed – 2 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 18 before 70 years;
• Required documents - passport;
• alternative form of issuance - card, bank account, Contact, Qiwi Wallet;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

"Repeat" from "Webbanker"

• application approval percentage – very tall;
• review speed – 5 minutes;
• payout speed – 2 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 20 years;
• Required documents - passport;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – unlikely.

"Aerobatics" from "Money Man"

• application approval percentage – very tall;
• review speed – 1 minute;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 18 years;
• Required documents - passport;
• alternative form of issuance - card, bank account, Contact, Qiwi Wallet, Zolotaya Korona;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – unlikely.

"Start" by Konga

• application approval percentage – average(the loan is interesting due to its increased repayment period and the speed of application consideration);
• review speed – 5 minutes;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 22 before 65 years;
• required documents - passport;
• alternative form of issuance - card, bank account, Qiwi Wallet;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – unlikely.

The best loans on Qiwi Wallet

Money is transferred to Qiwi Wallet instantly. As in the case of using the Yandex Money system, MFOs may require the client to link a bank card. When choosing this method of receiving money, you should pay attention to the fact who pays the commission for the operation. Not all companies bear these costs. If you are interested in companies offering translation to Qiwi, .

"Gold" from "Lime-Loan"

• application approval percentage – very tall;
• review speed – 1 minute;
• payout speed – 2 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 21 before 65 years;
• Required documents - passport and second document(foreign passport, VU, INN, SNILS, etc.);
• alternative form of issuance – card, bank account, “Contact”;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

"Superturbo" by Money Man

• application approval percentage – very tall;
• review speed – 1 minute;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 18 years;
• Required documents - passport;
• alternative form of issuance - card, bank account, Contact, Yandex Money, Zolotaya Korona;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – unlikely.

“Repeat” from “Smart Credit”

• application approval percentage – high;
• review speed – 1 minute;
• payout speed – 5 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 21 before 65 years;
• Required documents - passport;
• alternative form of issuance – card, “Contact”, “Yandex Money”;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

"Plus" from "Konga"

• application approval percentage – average(the loan is interesting due to its relatively long terms, different methods of issuance and quick consideration of the application);
• review speed – 5 minutes;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 22 before 65 years;
• Required documents - passport;
• alternative form of issuance - card, bank account, Yandex Money;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – unlikely.

The best through payment systems and to a bank account

Transfers through payment systems and to a bank account are less popular, but are still relevant for many MFO clients.

The best loans through the Contact system

Transfers through the Contact system are among the most popular ways to receive money. Among the advantages are the speed of the transaction and the absence of commission. The disadvantage of this option is the need to visit a collection point. If you are interested in companies that are ready to transfer money through the system. All .

"Vip" from "Lime-Loan"

• application approval percentage – very tall;
• review speed – 1 minute;
• payout speed – 2 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 21 before 65 years;
• Required documents - passport and second document(foreign passport, VU, INN, SNILS, etc.);
• alternative form of issuance - card, bank account, Qiwi Wallet;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

“Repeat” from “E loan”

• application approval percentage – above average;
• review speed – 15 minutes;
• payout speed – 5 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 20 before 65 years;
• Required documents - passport;
• alternative form of issuance - card, bank account, Qiwi Wallet;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

“First loan” from “Pay p.s.”

• application approval percentage – very tall;
• review speed – 10 minutes;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 21 before 63 years;
• Required documents - passport;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

"Take Off" by Money Man

• application approval percentage – very tall;
• review speed – 1 minute;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 18 years;
• Required documents - passport;
• alternative form of issuance - card, bank account, Qiwi Wallet, Yandex Money, Zolotaya Korona;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – unlikely.

“With gradual repayment (repeated)” from “MigCredit”

• application approval percentage – average(the loan is interesting due to its relatively low rates);
• review speed – 1 minute;
• payout speed – up to 24 hours;
• schedule - around the clock;
• special requirements for the borrower – age from 21 before 65 years;
• Required documents - passport, a request for a second document is possible;
• alternative form of issuance - card, bank account;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

“First at 0 percent” from “MigCredit”

• application approval percentage – average(the loan is interesting because it has a 0% interest rate, the ability to receive money through the “contact” and “Golden Crown” systems, and issuance to clients with poor CI);
• review speed – 1 minute;
• payout speed – up to 24 hours;
• schedule - around the clock;
• special requirements for the borrower – age from 27 before 65 years;
• Required documents - passport;
• alternative form of issuance - card, “Golden Crown”;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

The best loans through Zolotaya Korona

Transferring money through Zolotaya Korona is not a popular way to receive funds from microfinance organizations. This option can be chosen when you don’t have a bank card and need cash. There are many points for issuing transfers of this system, but if such an office is located in an inconvenient place for the client, choosing a loan using the Zolotaya Korona is not recommended. If you need to contact an MFO that transfers money through the system, a complete list.

“Repeat” from “Ekapusta”

• application approval percentage – very tall;
• review speed – 1 minute;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 18 years;
• Required documents - passport;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

"Repeat" by "Moneza"

• application approval percentage – high;
• review speed – 15 minutes;
• payout speed – 5 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 20 before 65 years;
• Required documents - passport;
• alternative form of issuance - card, bank account, Yandex Money, Qiwi Wallet, Contact;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

"Repeat" from "CreditPlus"

• application approval percentage – average(the loan is interesting due to the quick consideration of the application, the variety of methods for issuing money);
• review speed – 1 minute;
• payout speed – 5 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 22 before 75 years;
• Required documents - passport;
• alternative form of issuance – card, bank account, “Contact”;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – unlikely.

“First without %” from “CreditPlus”

• application approval percentage – average(the loan is interesting at a rate of 0%);
• review speed – 1 minute;
• payout speed – 5 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 22 before 75 years;
• Required documents - passport;
• alternative form of issuance – card, bank account, “Contact”;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – unlikely.

The best loans to a bank account

“For new clients without interest” from “Metrocredit”

• application approval percentage – one of the highest;
• review speed – 5 minutes;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 18 before 65 years;
• Required documents - passport;
• alternative form of issuance – map;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

“To new clients” from “Honestly”

• application approval percentage – very tall;
• review speed – 5 minutes;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 18 before 65 years;
• Required documents - passport;
• alternative form of issuance – map;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – unlikely.

"Silver" from "Lime-Loan"

• application approval percentage – very tall;
• review speed – 1 minute;
• payout speed – 2 minutes;
• schedule - around the clock;
• special requirements for the borrower – age from 21 before 65 years;
• Required documents - passport and additional document(VU, SNILS, INN, international passport, etc.);
• alternative form of issuance - card, Qiwi Wallet, Contact;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

"VIP" from "Konga"

• application approval percentage – average(the loan is interesting for relatively large amounts and terms at normal market rates);
• review speed – 5 minutes;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 22 before 65 years;
• Required documents - passport;
• alternative form of issuance - card, Qiwi Wallet, Yandex Money;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – unlikely.

“With gradual repayment (for new clients)” from MigCredit

• application approval percentage – average(the loan is interesting due to its increased amount, long terms, relatively low rate, and quick consideration of the application);
• review speed – 1 minute;
• payout speed – up to 24 hours;
• schedule - around the clock;
• special requirements for the borrower – age from 21 before 65 years;
• Required documents - passport and second document;
• alternative form of issuance – card, “Contact”;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

“Repeated” from “Web-loan”

• application approval percentage – average(the loan is interesting due to its relatively long repayment period for the minimum amounts and quick consideration of the application);
• review speed – 10 minutes;
• payout speed – 1 minute;
• schedule - around the clock;
• special requirements for the borrower – age from 18 before 65 years;
• Required documents - passport;
• alternative form of issuance – map;
• possibility of loan extension – There is;
• issuing a loan with a bad credit history – possible.

Criteria for selecting the best loans

The register of the Central Bank includes over two thousand microfinance organizations. The list includes only those companies whose activities are transparent and fully comply with the law. In fact, there are even more microfinance companies on the market. Therefore, choosing the best offer is not easy.

The rating of the best loans is a simple and informative tool. It will allow you to evaluate the competitiveness of proposals and determine the most suitable one. When compiling a list of the best loans, we relied on the most significant factors for a potential client: rates, terms, loan amounts, customer reviews, application processing time and issuance statistics.

Interest rates

Interest rate - very significant factor when choosing a microloan. If we are talking about the first interaction with an MFO, it is worth considering promotional offers at 0%. When applying again, you must take into account that the accrual of interest is limited to three times the loan amount.

If there is a delay, interest along with penalties should not exceed twice the amount of the outstanding balance. It is expected that in 1019-2020 these figures will be reduced. In addition, the Central Bank imposes requirements on the full cost of the loan. The rate should not exceed 817.569% per annum or 2.23% per day.

Amounts

Amount of credit - significant factor when choosing an offer. As a rule, new borrowers are provided with no more than 5-10 thousand rubles. Without certificates, guarantors and collateral, you should not count on more than 100 thousand rubles, even with a positive credit history.

Loan terms

Loan terms – one more significant factor when choosing a loan. Most often, money is provided for up to a month. As part of the promotions at 0%, MFOs issue finance for 5-10 days. There are offers on the market that allow you to use a loan for up to a year.

In addition, it is possible to extend the loan terms. The service is paid, but it allows you not to spoil your credit history and pay off your debt without unnecessary difficulties.

Reviews from real clients

Reviews - significant factor when choosing an MFO. Comments from real customers, as a rule, reveal the “ins and outs” of the company. People report hidden payments, if any, the organization’s policy in case of delay, the reliability of advertising information, etc. Obviously, this information cannot be obtained in every office and not from every MFO manager.

Approval statistics

Approval statistics are a criterion that can be considered very significant when choosing a loan. As a rule, when applying to an MFO, you need money urgently. Not everyone can waste time interacting with companies that place high demands on clients, especially if their credit history is damaged.

This indicator helps to assess the degree of loyalty of the organization. You must understand that in most cases, the higher the percentage of positive decisions on applications, the less favorable the loan terms.

Delivery speed

The speed of issuing money is another Very significant factor when choosing an MFO. Transfers occur instantly, but the company takes time to review the application and assess the solvency of the potential client. In the case of online loans, electronic scoring takes place.

The system evaluates the applicant’s credit history, his actions on the site (which pages he viewed, what information aroused the greatest interest, etc.), the completeness of filling out the questionnaire, and its information content.

The best MFOs online

All MFOs issue loans faster than banks and are more loyal to clients. However, there are also significant differences between these organizations. The differences lie in the number of offers, their conditions, and promotions. The speed of processing applications and payments varies. In addition, companies use different methods to transfer money.

Below is a list of microfinance organizations that provide the highest quality services and best meet the needs of clients.

"Money Man"

Operating in the microcredit market since 2011. Included in the state register of the IFC, is a member of the SRO "MiR". The company’s advantages include efficiency in processing applications and issuing money, a wide range of offers, and the ability for the client to receive funds in any way. The approval rate of applications is very high. Explore

We present to you the TOP MFOs 2019 - these are financial institutions that have proven themselves on the positive side, both according to national rating agencies and in the opinion of clients. The table shows the names of companies and basic information about them.

These microfinance organizations have a high reliability rating, which means the company fulfills its financial obligations. Assessments of the level of service in MFOs and reviews from borrowers also confirm the quality of the service.

MFO	Reliability rating	Review rating	Amount, rub.	Base rate/day
Turboloan	A++	5	3 000 – 15 000	2,17%
Honestly	A++	5	3 000 – 30 000	2,1%
Quick money	A++	4,8	2 000 – 15 000	2%
Money man	A+	5	1 500 – 70 000	1,85%
Monesa	A+	5	2 000 – 15 000	1,64%
Credit 24	A	5	2 000 – 30 000	1,9%
Zaimer	A	4,9	1 000 – 30 000	2,17%
Lime loan	A	4,9	1 500 – 20 400	1,74%
Urgent money	A	4,8	1 000 – 30 000	2%

The indicators of the listed organizations are, to some extent, a guarantee of quick and convenient processing, receipt and repayment of a microloan. Next, you can read mini-reviews and get acquainted with more detailed information about each company.

Turboloan

This is a service where you can apply for a microloan online with instant transfer of funds immediately after signing the agreement. The amount limit varies from 2,000 to 15,000 rubles. for a period of one week to one month. The initial interest rate is 2.17%. New clients who receive a microloan from this MFO for the first time are offered a special “interest-free loan” promotion with a 0% rate for up to 3 days. Transfer of funds is possible to Yandex wallet or bank card.

Honestly

On the website you will find information about promotions and special offers. In particular, regular and new borrowers can receive a microloan at a 0% rate. For those who contact the organization for the first time, it is possible to take no more than 10,000 rubles. With subsequent requests, the limit on the amount will increase - the maximum is 30,000 rubles. The loan commission is 2.1%/day.

Rate	Amount limit (RUB)
Bronze	12 000
Silver	15 000
Gold	20 000
Platinum	30 000

On the Platinum tariff, regular borrowers can receive up to several loans simultaneously at a reduced interest rate of 1%/day. The maximum loan period is 30 days. Funds can be credited to a card or bank account.

Quick money

This company is from the TOP MFO 2019, which issues microloans online and in offices. The first time, in any case, you will need to come to a meeting with the manager to complete the documentation and receive a cash loan. From the second request, you can order a Quick Card and receive transfers instantly in one call. There are two tariffs for the amount limit:

1. Up to 15,000 for 16 days.
2. Up to 25,000 for 30 days.

The daily rate for microcredit services is 2%/day. The service also offers advantageous offers - discounts, bonuses, promotions, various loyalty programs for regular customers.

Money man

If we talk about the largest TOP 10 microfinance organizations, then this service is one of the few that provides microloans in the amount of up to 70,000 rubles. The maximum loan period is 18 weeks. The company issues microloans in accordance with tariffs, which are determined by the number of applications and successfully closed loans:

1. Start – 1,500 – 10,000 rub. for 5-30 days at 1.85%.
2. Takeoff 10,000 – 17,500 rub. for 5-30 days at 1.8%.
3. Pilotage – 17,600 – 30,000 for 5 -30 days at 1.75%.
4. Turbo – 30,000 – 60,000 rub. for 10-14 weeks at 0.76%.
5. Super turbo – 30,000 – 70,000 for 16-18 weeks at 0.76%.

Turbo and Superturbo tariffs are available to regular borrowers who have already proven themselves - they have no arrears or other outstanding obligations. You can receive money instantly on your card or choose another transfer method - to a bank account or in cash through popular payment systems.

Monesa

This company is also included in the TOP 10 MFIs in Russia 2019 and is an international organization that has been operating since 2009 in 8 countries. Here the limit for the first microloan is from 2,000 to 15,000 rubles. New borrowers receive online loans without interest (rate - 0%).

For subsequent applications, the rate is 1.64%, but keep in mind that the loan period is 30 days. When re-executing the loan agreement, the limit increases to RUB 30,000. If you plan to enter into a contract for 30 days, the terms will suit you. If you want to borrow money for less than a month, it is better to look for a company with appropriate conditions.

Credit 24

The service issues online loans around the clock in amounts from 2,000 to 30,000 for a period of one week to 30 days. The commission is 1.9%. Depending on the number of closed loans, you can receive a certain limit:

1. At the first registration – up to 9,000 rubles.
2. For the second microloan – up to 12,000 rubles.
3. For the third and further – up to 30,000 rubles.

The transfer of funds is carried out instantly online after you conclude an agreement. Available methods of receipt are crediting to a bank card.

Zaimer

This is one of the top MFOs with a fully automated service that analyzes information about the borrower, taking into account more than 18,000 parameters - and provides an answer within a few minutes. There is a high percentage of application approval and simple requirements for potential clients. The possible loan amount varies from 1,000 to 30,000 rubles. Loan term – from 7 to 30 days. The starting rate is 2.17%/day. In addition, here you can take a special program to improve your credit history for those whose credit history is damaged or has not yet been formed.

Lime loan

The company operates in the international market and provides consumer microloans not only in Russia, but also in other countries. Online loans are issued in accordance with the tariff schedule, which is formed based on the number of applications and successfully closed microloans:

The service operates around the clock and money transfers are possible at any time. Available methods: to card, account, Yandex and Qiwi e-wallets, cash via Contact.

Urgent money

Another top microfinance company is the srochnodengi.ru service. Here you can apply for a microloan online, without leaving your home, or at the organization’s office. The limit on the microloan amount is from 1,000 to 30,000 rubles. The lending period is from 3 to 16 days. Interest rate = 2%. You can apply for a special company card - Urgent Card - to instantly receive funds at any time. So, you will take out loans online when applying by phone.

How to get a microloan

The registration procedure in all microfinance organizations is approximately the same and consists of several stages:

1. Fill out and submit an online application or register in the system on the company’s official website.
2. Receive a response from the microfinance organization - this could be a call from an employee, an email or an SMS to your number.
3. If the answer is yes, you will be told about the conditions and you will need to read the contract. If you are satisfied with the offer, you will need to sign it. In most companies, this can be done online using a unique SMS code. However, there are organizations where paperwork can only be completed upon meeting with the manager.

Regardless of how the contract is drawn up - online or in the office - you will receive the money immediately after that. This can be an instant transfer using a system convenient for you or transferring cash at the cash desk of an microfinance organization.

For registration you will only need a passport and, possibly, one additional document. Some services require registration of a personal bank card.

Repayment of microloan

Repayment of a microloan is also possible in various popular ways, such as:

• terminals;
• postal transfers;
• online banking;
• electronic wallets;
• translation systems;
• communication shops and shops;
• transfer from a bank card or account;
• payment in cash at the office.

The terms and additional conditions for the return are indicated in the contract, as well as in the additional appendix - payment schedule. In case of delay, penalties are most often applied. In many companies, extension and early repayment are possible.

You have familiarized yourself with the basic information of the TOP 10 MFOs in Russia and now you can choose an organization with conditions convenient for you. You can get details and answers to questions on the official website of the organization you are interested in and in the reviews on our website.

The best microloan offers

Situation 1: I urgently needed a small amount of money. So small that banks do not issue loans of this size. Where to borrow before payday is not a question. If options with colleagues, friends and neighbors do not work, then microfinance organizations - MFOs - will help.

Situation 2: the goal has been set - to increase the considerable funds earned through selfless labor. Bank deposits promise 6% per annum, risky deposits guarantee 12%, IOUs guarantee a profit of no more than 4%. Firms will accept free finance at 20 percent per annum.

The MFO rating will help limit the risks of placement and lending.

Subject Definition

For transparency of the microloan market in the financial expanses of Russia, it is allowed to create two types of mini-credit structures.

A microfinance organization is a company with equity capital of 70 million or more. The laws of the Regulator allow them to:

• attract free funds from legal entities and citizens;
• invest;
• lend to borrowers up to one million Russian rubles;
• issue promissory notes - bonds.

At the same time, microcredit organizations with a capital of less than 70 million rubles operate in the legal field. MCOs are allowed to operate only on the basis of their own funds. They are prohibited from attracting and investing funds from the population. The maximum microloan amount from MCOs is 0.5 million rubles.

Why and who needs a serial number

Steadily operating structures that fulfill financial obligations on time and in full enjoy consumer trust. In the densely packed space of micro-loans, it’s impossible to figure out without a hint who is reliable and who should be avoided and forgotten.

The problem is solved by classifying organizations according to agreed rules. A line in the listing of a significant agency is already a signal to the borrower and investor about the transparency of the company’s internal procedures.

Reliable lenders provide loans to everyone.

Parameters for calculation

1. Loan amount receivable. Notice how many lending firms have names with the words “loan until payday” or “loan for a week.” Large loans cannot be expected here; the maximum trust in the consumer of services is 30-50 thousand rubles. Only companies with a stable financial base are able to provide services on a large scale.

2. Loan rate percentage. Assess your loan servicing capabilities. If it is impossible to return within the period specified in the contract, at a rate of 1% per day, a minimum of 30% will accrue in a month, and with a loan of 5,000 rubles. the consumer will be forced to pay 6.5 thousand in a month

3. For how long is a microloan issued? A day, a week, half a month - the conditions for all organizations are different.

4. A variety of ways to receive microcredit money. Some organizations work only with bank cards, so as not to complicate life with cash problems. Others offer a choice of cash or card. The list of third ones contains cards, bank accounts, and electronic wallets.

Take a closer look at the cost of each option. Additional expenses add to the credit load.

Money for urgent needs of capital residents

Before purchasing a product or receiving a service, a potential buyer studies reviews. In financial industries, consumer feedback is no less important. The MFO rating is a formalized parameter that does not take into account the nuances of the professional qualities of staff and management. The order number in the authority list sometimes does not correspond to expectations.

Microloan market researchers have identified a pattern - the broader and deeper the company’s requirements for the counterparty, the more correct the cost of the loan will be. Conversely, building a procedure on the principle of “one ID card - and in five minutes cash in the client’s hands” ultimately leads to fabulous interest payments for the service received.

The list of indicators of reliable credit firms in each region contains information about different market participants. The rating differs, for example, from a similar register in Chelyabinsk. In the capital, microcredit offices are growing like mushrooms after rain: some grow, others are sent for processing.

Before applying for a mini-loan, residents of any city should evaluate not only the public indicator of the organization’s success, but also the experience of functioning in the field of financing, and popularity among people. And then make an informed decision of your own.

Leaders of microfinance in Moscow

The number of microfinance organizations in the Russian capital is several hundred. The top ten most reliable companies include companies with a lifespan of 2 to 6 years. Methods for issuing money to the borrower - bank account or Sberbank card; to a bank card or e-wallet; via QIWI wallet or Contact system.

For example, “Borrow Simply” has been operating on the Moscow market for six years and offers clients 2 options for paying money - to a card or to a current account. There are no physical office branches. Contact only via the Internet.

To conclude a contract, they require a passport, mobile phone number, and a certificate from the place of work. Loan 3-15 thousand rubles. issued for a period of two weeks to one month. The cost of a loan of three thousand for two weeks is 915 rubles, or 30.5 percent.

The leader of the TOP list of microfinance companies in Moscow is Vivus. Works at 1.6% per day. With a loan of 3000 rubles. you will have to return 4440. A wide range of withdrawal methods: in cash through Contact and “Leader”; to QIWI and Yandex e-wallets. Money"; to a bank account and card.

Muscovites can take advantage of any type of urgent receipt of necessary funds. The question depends only on the percentage of the loan.

Leader in Russia

The microfinance business is built on the fact that citizens of a huge country regularly borrow money. In place of the disappeared credit company, another team is immediately registered. The rating of Russian microfinance organizations no longer contains 10, but 208 items.

The Central Bank of the Russian Federation is conducting a cleanup not only of banking institutions, but also of microfinance organizations. Therefore, leaders change, and the list itself as a whole undergoes changes from time to time.

Now the first on the list is the company Ezaem (“Ezaem”) with interest conditions:

• 0.00 for the first loan up to 4 thousand rubles;
• 2.18 per day for other loans.

Why this company became a Russian leader is not clear, since negative reviews about the quality of its work flooded the Internet. It’s not even a matter of extortionate interest rates; the investor was warned about them in advance. Clients report strange behavior by the company: writing off money from a card without notifying the counterparty, accruing debt for non-existent violations; failure to repay the loan; false calls about events that did not occur.

There are also positive reviews about the organization, for example, how quickly the money was transferred to the electronic wallet, or how pleasant it is to receive 4 thousand in debt without interest.

Investment rules

Interest rates on deposits vary in banks depending on the current rate of the Central Bank. Current indicators are becoming less and less attractive. Under these conditions, offers to place free money at an annual rate of 20, 25 and even 30 percent look tempting.

Both for lending services and for investment operations, ratings of MFO deposits are calculated and published. Based on this indicator, we must remember that not all small companies are able to incur the costs of calculating comparisons with competitors.

In the market of microfinance organizations there are so-called “gray” players who operate outside the legal framework. It is quite dangerous to cooperate with them. After all, it is often “shadow” organizations that resort to the services of “black” collectors. Our MFO rating will allow you to choose a reliable company for long-term and safe cooperation. Next to a brief overview of each company, a registration number from the Central Bank of the Russian Federation extract is provided. Thanks to this, the risk of running into illegal participants is significantly reduced!

• Rating of MFOs by investment. The legislation does not prohibit organizations from raising funds from individuals, but the amount must be at least 1.5 million rubles. A high indicator indicates that investors trust the company and are not afraid to invest their money in its development;
• Rating of microfinance organizations based on the volume of loans issued. A large number of microloans provided indicates the active development of the company, a successful strategy in the market, and a correctly chosen business model.

Why are ratings compiled?

Reliable microfinance companies that strive to gain a large share of the market try to get a high rating for the following reasons:

• To maintain investment attractiveness. Many investors, before entrusting their funds to a company, carefully study MFO rating by deposits.
• To improve business reputation and attract more disciplined clients.
• The higher the company's valuation, the more often it is mentioned in various media. A properly designed PR campaign will quickly consolidate the organization’s position in the microfinance market;
• To optimize business processes. Reports compiled by analysts contain specific recommendations to reduce risks. This may form the basis for developing a new business optimization strategy.

It's easy to make the right choice!

IFC rating, posted on our portal, will allow investors and borrowers to make the right choice. It is important to familiarize yourself with all the rules of cooperation before signing the contract. This way you can protect yourself at the initial stage.

It is important to soberly assess your own requirements and capabilities, and not to “chase” after dubious benefits. For example, if you decide to invest, then inflated interest rates should alert you. After all, everyone knows that “free cheese only comes in a mousetrap.”

When studying the rating of MFOs by deposits, you must make inquiries about the conditions under which you can withdraw your funds early. Some companies, if an investor returns funds early, are ready to pay him a certain percentage for using his money. This rate, of course, is lower than the original one, but better than nothing. Our users chose for themselves the best MFOs and MFCs by voting for the company.