The most profitable MFOs. New online MFO loans. Why and who needs a serial number

Class "A ++. Mfi" ("extremely high (highest) level of reliability")... In the short term, the MFI is highly likely to ensure the timely fulfillment of all financial obligations, both current and arising in the course of its activities. In the medium term, there is a high probability of fulfillment of obligations even in the context of significant adverse changes in macroeconomic and market indicators.

Class "A + .mfi" ("very high level of reliability"). In the short term, the MFI is highly likely to ensure the timely fulfillment of all financial obligations, both current and arising in the course of its activities. In the medium term, there is a high probability of fulfilling obligations in the context of stable macroeconomic and market indicators.

Class "A.mfi" ("high level of reliability"). In the short term, the MFI is highly likely to ensure the timely fulfillment of all financial obligations, both current and arising in the course of its activities. In the medium term, the likelihood of fulfilling obligations requiring significant payments largely depends on the stability of macroeconomic and market indicators.

Class "B ++. Mfi" ("acceptable level of reliability"). In the short term, the MFI is highly likely to ensure timely fulfillment of all current financial obligations, as well as minor and medium-sized new obligations arising in the course of its activities. The likelihood of financial difficulties in the event of liabilities requiring significant lump sum payments is assessed as moderate. In the medium term, the likelihood of fulfilling obligations depends on the stability of macroeconomic and market indicators.

Class "B + .mfi" ("sufficient level of reliability"). In the short term, the MFI is highly likely to ensure timely fulfillment of all current financial obligations, as well as minor and medium-sized new obligations arising in the course of its activities. The likelihood of financial difficulties in the event of liabilities requiring significant payments is assessed as moderately high. In the medium term, the likelihood of fulfillment of obligations depends on the stability of macroeconomic and market indicators.

Class "B.mfi" ("Satisfactory level of reliability"). In the short term, an MFI is highly likely to meet almost all of its current financial obligations on time. The probability of non-fulfillment by the MFO of the financial obligations arising in the course of its activities is high. In the medium term, the likelihood of fulfillment of obligations depends on the stability of macroeconomic and market indicators.

Class "C ++. Mfi" ("low level of reliability"). MFI ensures timely fulfillment of current financial obligations, however, in the short term, there is a high probability that the MFO will fail to fulfill large financial obligations arising in the course of its activities. In the medium term, the likelihood of non-fulfillment of obligations is quite high in the event of deteriorating macroeconomic indicators or unfavorable market conditions.

Class "C + .mfi" ("very low level of reliability (pre-default)"). The MFO ensures the timely fulfillment of current financial obligations, however, in the short term, the probability of non-fulfillment by the MFO of the financial obligations arising in the course of its activities is extremely high.

Class "C.mfi" ("unsatisfactory level of reliability (selective default)"). The MFI does not ensure the timely fulfillment of some of its current financial obligations.

Class "D.mfi" ("bankruptcy"). The MFI does not ensure the fulfillment of almost all of its financial obligations or is in the process of bankruptcy proceedings.

    lovebunny77 24.05.2019
    Metrocredit (27)

    The money was urgently needed, and there was nowhere to take. I decided to seek help from quick loans. Having reviewed a large number of proposals, I found the most suitable option in Metrokredit. They approve the loan in a matter of minutes, they approved me in 10 minutes. I asked for 10,000 - for the first time they gave everything and at 0%. Thank them very much.

    rebatos999 16.05.2019
    Metrocredit (27)

    Satisfied with Metrocredit. I will not say that I am a fan of quick loans, but it is better than intercepting from friends. I'd rather pay a percentage, but legally formalized, than check the strength of friendship in this way. One more thing - everything is online. Previously, I had to go to the points of shopping centers, but here I sit at home and get money on the card. If you have problems and need to do everything quickly - this office is what you need.

    big62 15.05.2019
    Money (89)

    I work in a local agricultural enterprise. A few years ago, salaries were issued without delays. Now they have been detained for two or three months. So I had to look for where to replenish my budget before the holidays. "Money" became a lifesaver. I have heard from friends before that you can borrow money from this organization without any paperwork and quickly, but I used it for the first time. I sent a request for a loan of 15 tyrs, about 2 hours later I received approval, and the next day I received money through an ATM. After the holidays, the salary was just given out and immediately returned the loan to Money so as not to pay huge interest.

Today there is no need to worry about where to get money urgently. You do not need to borrow from relatives and friends, notifying them of your temporary financial difficulties. It is enough to have a computer with Internet access, a mobile phone number, a passport of a citizen of the Russian Federation, and a bank card. However, you can get money not only by transferring to a card account. Perhaps either. You can also get cash at the office of a microfinance organization.

Benefits of microcredit for borrowers

Of course, with the advent of microfinance organizations (MFIs), the lives of people who often need small amounts have changed for the better. The process of issuing money has become really simpler. Now you don't need:

  • Take a certificate of income or in any other way to document your employment.
  • To issue a pledge on your movable and immovable property.
  • Look for someone who can vouch for you.
  • Go to the lender's office in person and stand in line under the loan officer's office.
  • A long time to wait for a response to the loan application.
  • Report on what purposes it is planned to spend borrowed funds.
  • Have an impeccable credit history.

In addition, microfinance organizations have expanded the age range. Both eighteen-year-old students and pensioners over 60 will be able to apply for a loan. In order to apply for a loan, it is enough to indicate your passport details and mobile phone number. Communication with a credit institution takes place via the Internet.

Microfinance organizations - reliability rating 2016-2017

With the advent of the first MFIs, microcredits became wildly popular. Anyone can borrow a small amount of money until the next payday. The ranks of MFI clients began to grow at the speed of light. This business turned out to be profitable. New MFIs have sprung up like mushrooms after rain. More and more cases of fraud began to be recorded. There were intermediaries who profited from the needs of borrowers. Nobody controlled interest rates. Also, many MFIs did not care at all about the protection of clients' personal data. The situation was taken under control by the country's main financial regulator - the Central Bank. A special register was created and licenses were issued to engage in this kind of activity. Those MFOs that were not included in the register of the Central Bank had to stop their work. However, not everyone did it, many simply went into the shadows. They began to be called "black creditors". Accordingly, addressing them is fraught with certain risks. However, further we will talk about white lenders, take a closer look at the TOP 10 best MFIs in the country that work officially and lead the 2016-2017 reliability rating.

Credit 24

Our reliability rating 2016-2017 is topped by such a heavyweight in the lending market as Kredito 24. Loans are issued almost instantly to everyone. To do this, you need to fill out a questionnaire in the form of an MFO, where you enter your passport data and phone number, and also indicate how you want to receive money. Interest rate - from 1.9%. The minimum loan term is a week, the maximum is one month. It will be possible to return borrowed funds:

  • Using the RBK Money system.
  • Via Qiwi Wallet.
  • Cashless payments.
  • By writing off the required amount from the card.
  • Via Kiwi terminals.

Money Man

An equally worthy competitor that has proven itself well in the consumer microcredit market. Provides loans for a period of 5 to 126 days. Here you can borrow no more than 60,000 rubles. Overpayment - from 0.76% per day, there are no commissions and insurance. Loans are provided without collateral, guarantor, documentary evidence of income. Both individual entrepreneurs and students, pensioners, unofficially employed citizens will be able to use the services of Money Men. Loan processing takes place without visiting the lender's office. When approving a loan, credit history matters, but everything will depend on whether there are open delinquencies in other credit institutions. You can borrow money at any time of the day, even on weekends and holidays.

Zimer

Robot Seimer is nothing more than a fully automated online loan issuance system. The decision on the application is made by special software within two minutes. The refusal rate in MFO Seimer is about 2%. That is, here money is given to almost everyone. Ways of receiving funds:

  • Bank card.
  • Qiwi wallet.
  • Yandex money.
  • Personal bank account.
  • Contact money transfer system.
  • Zolotaya Korona system.

Finances are transferred within five minutes. Every day, the client must pay 1% of the amount taken for the use of borrowed funds. The minimum loan term is 7 days, the maximum is 30 days. Early repayment and extension of the loan term is possible. In the latter case, you will have to pay a commission, the amount of which is set on an individual basis.

MFO Seimer works throughout Russia, is famous for its transparent lending terms, the speed of issuing money and loyalty to the borrower. The minimum amount is 1,000 rubles. Maximum in MFO Zaimer at one time you can get 30,000 rubles.

Refund methods are presented, as they say, in a wide range. You can return the funds by transferring them from the card account, you can through WebMoney, through the mobile banking of Sberbank, and so on. MFO "Seimer" is a client-oriented institution that constantly strives to improve service and offer its regular customers only the best solutions.

Mig Credit

It is a pioneer in the microcredit market in our country. The client just needs to fill out a simple application form and wait for approval. The time for considering a loan request is no more than 10 minutes, after which the money will be credited to your bank card or current bank account. You can also use such payment systems as Contact, Unistream, Leader. The minimum loan term is at least three days, the maximum is not more than 44 days. You can borrow from 3,000 to 99,000 rubles. Mig Credit provides loans to citizens throughout Russia. The loan manager can visit the client's home. It is easy to live on credit, and MFO "Mig Credit" is a direct proof of this!

eCabbage

One of the most popular credit institutions operating in Russia. Undoubtedly, MFO eKapusta was included in our 2016-2017 reliability rating. Carries out its activities via the Internet. You can get money in this MFI quickly at any time of the day or night. eCabbage works around the clock. Money transfer is carried out in any convenient way. You can borrow from MFO eKapusta from 100 to 30,000 rubles. You can get a loan for a week, two or three. When applying for a microcredit for seven days, you will have to pay on top of 2.2% of the amount taken every month. Further, you will be charged 1.7% per day.

MFO eKapusta issues money without any questions, without checking credit history, without documentary evidence of employment. All you need is to fill out an application, wait for its approval and spend the money at your discretion.

Quick money

Simple and convenient service for issuing loans online. First, you enter your passport data, then you go through a phone interview with a credit manager, after which you immediately receive money. However, you can apply not only via the Internet. It is enough to come to one of the branches of this MFO with a passport and receive funds. At a time, you can issue an amount from 1,000 to 25,000 rubles. You will need to repay the loan received in a maximum of 16 days. The minimum period for processing a loan at Bystrodengi will be seven days. The microfinance organization works with citizens over 18 but under 70.

MFO Bystrodengi was registered eight years ago. Since that time, the number of people wishing to get a loan here has only been growing. You can calculate the exact amount using the calculator on the official website of the lender. Refuse to MFO Bystrodengi can be due to delays in other credit institutions, when giving false information or lack of permanent residence in the region of presence of this lender.

Rosdengi

The Rosdengi company was registered two years ago, but during this time it was able to compete with the MFOs that lead our reliability rating. Here you can borrow an amount of no more than 30,000 rubles for a period of no more than 17 days. It is possible to extend the loan term, and you will have to pay interest for the use of borrowed funds for the previous period.

Advice: by registering, you will not only get rid of many financial problems, but also be able to improve your credit history, which is especially important for borrowers who are blacklisted by many banks.

Smart credit

You can get a loan here within five minutes. Funds will be transferred instantly to a bank account, card or Qiwi wallet. At the request of the client, it is possible to issue cash at the lender's office. The maximum term for using borrowed funds is one month. You can borrow from 2,000 to 25,000 rubles. Early repayment takes place without penalties. Interest is calculated only for the actual time of using borrowed funds.

Jet Money

Jet Money MFI offers an easy and simple way to borrow money. If this is the first time you contact this lender, then you will need only 15 minutes for registration. On subsequent calls, the entire checkout process will take about five minutes.

Jet Money offers quality customer service. The courteous staff and innovative software make your loan issuance process as easy as possible. Loan funds are returned in any way convenient for the client. It will be possible to borrow money at 2%, which will be charged daily. The term of the loan agreement is no more than 14 days. The maximum amount that can be borrowed in is 2900 rubles.

Platiza

Offers short term online loans. Transfer of funds is possible not only to a bank card. The loan registration procedure will take no more than three minutes. Credit history doesn't matter. However, everyone can find out their credit rating. Depending on its level, an individual loan program will be offered. It will be possible to repay the loan in any convenient way:

  • Through the Yandex.Money system.
  • Having written off from the Qiwi wallet.
  • By transferring from any bank card.
  • By depositing cash through the cashier of any bank.
  • Through the payment system Contact.

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Microfinance organizations were able to quickly gain a foothold in the consumer lending market. Despite the inflated interest rates, the number of their fans continues to grow in 2016. Online loans are issued to everyone on parole upon presentation of only a passport. When re-applying to the same MFO, the client can count on more loyal lending conditions, since each such institution officially operating in the Russian Federation values ​​not only its reputation, but also each client.

In contact with

Last year, about two thousand organizations provided microfinance activities on the territory of the Russian Federation. Their specialization is microloans of money at interest, which the client receives in cash (with delivery or during a personal visit to the company's office), or online to a bank card / account or electronic wallets.

More offers - harder choice

The presence of such a significant number of companies in the market sometimes makes the choice difficult. It's hard to figure out which organization is all - still better. Before giving preference to one or another MFI, it is worthwhile to thoroughly analyze our loan rating... Before completing the application, compare information on the terms of lending from several organizations. This will allow you to make the right decision. Objective data will also help those who intend to invest in a microfinance company.

What did we rely on?

We bring to your attention online loan rating in the MFO of Russia. The basis was taken, the percentage of approval of applications, the volume of the loan portfolio and the number of regions where the company is present. When compiling the review, we took into account statistical data, the demand for credit institutions and selected those that received the largest number of positive responses from both users and financial analysts.

The rating IFIs by reliability does not always imply a gradation from best to worst. We personally checked the work of the most popular companies and selected those satisfied with... We took into account those companies for which customer reviews are most positive.

The portal site presents the well-known, most experienced and proven services for providing loans to the population.

Note that when applying for any microcredit, you need carefully study the conditions cooperation.

More than 4,000 MFOs are currently registered in the Russian Federation (by the way, the National Bank has revoked the license of about the same number of organizations over the past 5 years). Such figures are impressive, and the specialists of the site "Without refusal" had to weed out more than 95% of their number to compile the rating. The criteria that influenced the choice in favor of a particular organization are:

  • Age
  • Reliability
  • Founders
  • Interest rate
  • Refusals
  • Loan amount
  • No hidden fees
  • Debtor Sanctions
  • Consumer reviews
  • Possibility of deferred payments

The leading positions in the rating of 2017 from our experts were taken by MFOs that issue microloans on the most favorable terms and conduct a transparent policy. Organizations selected by our specialists are already listed according to user preferences and may change.

Why is it important to choose a reliable organization?

Financially illiterate people may mistakenly believe that the choice of an MFI can be made regardless of its rating and the main condition for a microloan is a low interest rate. Few people think about the possible consequences of filing an application in an unfavorable or, worse, unofficial organization:

  1. Credit history can be irreparably damaged. First, the company can simply go broke, and the accounts can be arrested. Difficulties may arise with debt repayment and, as a consequence, its growth and reflection in the CR. Also, financial transactions can take place with a delay (including deliberately), which will also be reflected in the history bureau.
  2. Intentional underestimation of the last payment - at the last payment, the client is told the amount that is slightly (sometimes 1-10 rubles) lower than it actually is. The borrower is sure that the debt has been paid, and a frenzied interest and fines begin to wind up on this amount. In six months, a year, the amount of debt can reach 4 or even 5-digit figures.
  3. Debt restructuring. The approach to this point for MFIs that are ranked as the best and for organizations with lower criteria differ significantly. Customers are important to the first, and profit to the second. Therefore, for really important reasons, large companies go to meet borrowers on an individual basis, which IFCs with small capital cannot afford.