"Money in an instant": customer reviews, company information

The current market for microfinance services is crowded, among the organizations are one-day companies that have a dubious reputation and do not obey the laws. Such MFIs should be avoided, for this it is necessary to pay attention to customer reviews. “Money in an instant” enjoys a proven track record and offers not only short-term loans, but also long-term loans, which differs significantly from its competitors.

About company

The organization “Money in an instant” was founded in 2010. Its peculiarity is that the company does not attract foreign creditors and investors. A microfinance organization invests its own profit in development. Since March 2017, the company acquired IFC status in accordance with the requirements of the legislation of the Russian Federation.

For 8 years of work, the organization managed to establish itself as a reliable and acting institution within the framework of the law. An indicator of the level of trust is customer feedback on “Money in an instant” and the number of regular borrowers. There are almost 400 thousand people.

money instantly customer reviews

Unlike most competitors, “Money instantly”, in addition to quick loans and provides loans for the long term.

The company has more than 200 offices throughout Russia, the staff employs over 800 people.


The first office in 2010 was opened in the city of Naberezhnye Chelny. During the year, branches were opened in other cities of the Republic of Tatarstan, such as Elabuga, Almetyevsk and Nizhnekamsk. In 2011, the company mastered the microfinance market of the Sverdlovsk region, including Yekaterinburg. Reviews about “Money in an instant” of that period indicate that lending of a new type has gained popularity and its regular customers.

In 2012, a microfinance company opened a representative office in the republics: Bashkortostan, Chuvashia, Mari El.

Today IFC “Money in an Instant” operates in more than 100 settlements located also in the constituent entities of the Russian Federation: the Udmurt Republic, Samara, Chelyabinsk, Orenburg, Kirov Regions, Perm Territory.

Microfinance Organization Tariffs

The company “Money instantly” provides flexible conditions, it can offer borrowers different rates, based on the desired amount.

  • The basic rate is for customers who apply for money for the first time. You can get from 1 to 10 thousand rubles for this product. The loan term is from 1 to 16 days, on any day you can repay the loan prematurely, while the borrower pays interest only for the time of actual use of the funds. The basic rate is 2% per day, for pensioners the same rate is reduced by half.
  • The “Reliable” tariff is available to customers who have closed at least 3 loans in this company for a total amount of at least 10 thousand rubles. The upper limit of this product is 15 thousand rubles, the percentage will be 1.5%, for pensioners - 1%.
  • Reviews of “Money in an instant” indicate that after the total loan amount exceeds 30 thousand rubles, the borrower will be able to move to a new level of interaction. The Druzhsky tariff implies an amount of up to 20 thousand rubles at a time at a rate of 1.5% per day. The loan term is the same - up to 16 days.
  • If a person needs a larger amount, in this organization he can get a long-term loan secured by a TCP, car or liquid real estate.
You can get a large amount on bail.

With such a tariff, he can count on up to 1 million rubles for a period of 1 month to 1 year. The interest rate is set individually, most often it is 5-6% per month of the loan amount. Naturally, it is more profitable to lend to such large amounts in classic banks, but not all citizens can apply there because of a previously damaged credit history.

From time to time, the financial organization has a promotion “First loan without interest”. Then the amount of up to 10 thousand rubles can be borrowed for up to 7 days, while the client does not pay anything for using the money.

Borrower Requirements

money instantly customer reviews

The company understands that people with an impeccable financial reputation are applying for loans to classic banks, therefore they deliberately do not overestimate the requirements for their customers:

  1. The borrower must be a capable citizen of the Russian Federation.
  2. Permanent registration in the region where the microfinance company is present.
  3. Age from 18 years.
  4. The absence of the client’s participation in court cases, which he did not report to the creditor, and which pose a danger to the client’s property.
  5. Lack of open arrears in other financial institutions.
  6. The borrower may not have more than one current agreement in the company “Money in an instant.”
  7. A citizen must have full ownership of the property, which is indicated as collateral for the appropriate loan.

Applying for a loan

You can apply for a loan in two ways at Money in an Instant. Customer reviews call the more convenient option for submitting profiles via the Internet.

online application

To start the procedure, you should create a personal account on the site, where you need to specify the following information:

  • passport data;
  • place of work;
  • salary amount;
  • marital status;
  • the presence / absence of dependents;
  • TIN;
  • presence of obligations to other credit institutions;
  • card / account details if necessary.

After indicating all the information, the user selects the desired amount and period of use, sends a request using the "Checkout" button. To confirm the identity, a code will be sent to the specified phone number in SMS, it must be entered in the designated window.

If a person applies for money to this IFC for the first time, on the Internet he can receive only preliminary approval. For a final verdict, he needs to pay a visit to the company’s office, submit documents and sign an agreement. If the client wishes, he will receive the money in a bank account or a plastic card.

For all subsequent loans, after the first payment, the borrower can apply online and receive money in the same way, without leaving home.

If the application is filed in a stationary office, the client will need to fill out the same application form with a loan officer, presenting the requested package of documents.


Microcredit is different in that the lender does not request a lot of documents, including an income statement is not required. But in most cases, it is precisely getting it that is a problem for many people who want to get a loan, but who are not officially employed.

According to reviews of “Money in an instant,” it is known that the company asks for documents and copies of the passport, TIN, as well as a certificate with bank details where the client has an account or deposit.

The lender, in its sole discretion, may request additional documents:

  • Certificate of pensioner status.
  • Driver's license.
  • Pension certificate of SNILS.

People wishing to obtain a mortgage loan will also need property documents.

Arrears Actions

Citizens are afraid of microloans because of high interest rates, but this feature is a necessity for MFIs. Thus, the company balances its risks. By lending finance without a thorough banking check, the lender often has bad unpaid debts.

According to the feedback of debtors in “Money in an instant”, many of them turned to the organization with the firm intention not to give back the borrowed funds. It turns out that bona fide borrowers are forced to pay for negligent customers.

Since January 2017, the Central Bank decided that interest on an unpaid loan cannot increase by more than 3 times. Thus, the maximum total amount of debt can consist of a loan body and interest in three times.

Usually, any lender tries to get his money back on a voluntary basis. Then the representatives of the lender come in contact with the debtor through telephone conversations, mail, text and personal meetings.

money instantly reviews of workers

When this does not bring any results, the creditor, regarding the situation as a deterioration in the financial condition of the borrower, has the right to go to court or transfer the right of claim to third parties.

If it is impossible to pay off the loan and extend it, it is not recommended to hide from the creditor, in the interests of both parties to resolve this situation peacefully. You should contact the company and explain the situation. If the reason is good, “Money in an instant” will suggest restructuring.

Reviews about work in “Money in an instant”

Among the features of work in microfinance organizations, the optional presence of an economic education stands out. And in most federal banks, this is a standard requirement for the applicant. The management is ready to independently conduct training for employees “Money in an instant.” Staff feedback on ongoing corporate events and training is proof of this.

Management conducts trainings.

There are also such advantages of official work as timely wages, paid leave and sick leave, convenient jobs and career opportunities.

If we talk about the shortcomings of work, then this is the implementation of the plan. When the department did not cope with it, the premium is not paid in full. Among the employees' comments about “Money in an instant” one can often hear about the system of fines, which was developed directly by the company.

money instantly work reviews

Customer reviews

At the beginning of 2018, there were 2271 microfinance organizations in Russia. Despite the diversity, the company “Money in an instant” stands out from its competitors. Regular customers note the transparent terms of the contracts, as well as the absence of hidden fees and penalties. The organization is always ready to offer a borrower who finds himself in a difficult situation, restructuring the loan.

Among the advantages of the lender, customers also highlight the opportunity to get a large loan for a long term even with a bad credit history. After all, most MFIs are engaged in the issuance of small loans, and the bank will not give credit to a person who has delays in the past.

Source: https://habr.com/ru/post/A11756/

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