Microcrediting allows to solve small financial problems in a short time. This method is convenient to use and does not require the submission of a large number of documents. In addition, the microfinance market is constantly evolving, and today, in order to get a loan in the amount of up to 30 thousand rubles, you do not need to stand in a reception bank or wait for a decision to issue a loan of 14 days. All applications are processed remotely on the official website of the MFI and funds, after checking the entered data, are transferred to the borrower's account within 15-20 minutes.
Reviews on Ekapusta note that this is one of the fastest lending microfinance organizations in the country. Its peculiarity lies in the fact that the company almost completely automated the process of issuing small amounts to citizens' cards tied in your account. Special algorithms and machine codes check each application and conduct an additional assessment of the solvency of each client. If necessary, control over the formation of the loan amount is connected to the organization’s operators.
Description of MFIs
Almost every review of Ekapusta indicates that the company provides microloans in the amount of up to 3 thousand rubles to each of the applicants for a period of up to 1 month. At the same time, there are various promotions and bonuses that allow you to get a profitable loan at a minimum percentage. Over almost 7 years of operation, the company has been constantly developing and optimizing the system for issuing loans.
This made it possible to conduct an instant assessment and issue small amounts of loans on favorable terms. However, like any other MFI in the country, the company is subject to established state rules and has the appropriate licenses, giving the right to carry out financial and credit activities in the country. The organization does not violate the requirements of the law and at the same time actively interacts with borrowers.
How the service works
In reviews of Ekapusta, it was repeatedly noted that MFIs use special software for issuing loans online. It really is. The organization has installed special equipment and integrated work algorithms to evaluate more than a thousand parameters for each of the borrowers. Based on the analysis, the algorithm generates a report that indicates the decision on the loan and the approved maximum amount.
Company employees do not have access to software. This means that they cannot interfere with or influence the system for evaluating the parameters of the borrower. This solution protects all stored user information on the company server. The system also maintains a rating for each client and provides extended limits to active and reliable citizens.
Registration Pass
When it comes to Ekapusta, reviews indicate a convenient registration process. It is worth noting that to get the first loan you will need no more than 10 minutes of free time. The main thing is to accurately indicate all the necessary data about the borrower, so that the system can evaluate each of the parameters and check for compliance. In addition, in the automatic mode, the company checks for other debts and litigation related to the outstanding loan.
You can register even from a mobile phone. To do this, go to the main page of the official website and select the "Registration" section. Then all passport details are registered and copies of documents required for verification are downloaded. In the end, you need to attach a bank card or other electronic wallet, where funds will be received.
Available maturities and limits
The Ekapusta.com website, reviews of which can be found in this article, is quite convenient to use on any platform. The portal is adapted for various screen resolutions and operating systems. The minimum amount for a loan is 100 rubles. As regular customers of the organization note, basically, at the first appeal, the system issues a loan in the amount of up to 5 thousand rubles. To get 30 thousand, you will have to contact the MFI up to 10 times and at the same time not miss the deadlines for making a payment.
Customer reviews of Ekapusta also note that, if necessary, you can always get the right amount, having a sufficient credit rating, directly to the card. The idea of the organization is aimed at ensuring that any reliable and decent client can have a quick loan tool on hand for any occasion.
However, with small limits and repayment periods are small. The company provides a loan for a period not exceeding 21 days. You can repay the issued loan earlier. There are no fines or commissions for this action. After payment, the system will automatically generate a rating and offer to issue a new microloan if necessary.
What are the promotions
In the feedback of the borrowers about Ekapusta you can find messages that indicate not only the quick terms for considering a loan, but also a lot of profitable stocks. One of the main is a loan without interest. Such a financial solution is offered to each new client of the company. After assessing solvency and forming an affordable credit limit, you can get a loan at 0% for a period of up to 21 days.
In addition, there is a program to drive new borrowers. If the loan is issued according to the promo code of the borrower, its owner will receive 500 rubles in his account. Depending on the holidays, the company also offers various bonuses and gifts to its customers. On New Year’s, a system of installment plans and interest rates on existing loans is included. In addition, valuable cash prizes and other gifts are raffled off between active loan users.
What are the benefits of MFIs
Website Ekapusta.ru reviews has mostly positive. They can be found on many large lending portals. The company has earned the respect and trust of its customers for transparent and affordable loan terms. Immediately when choosing the right credit limit, the full cost will be displayed on it. There are no commissions or other hidden charges in MFIs.
If there is a problem with debt, then a microfinance company also meets its customers. In the case when it is not possible to fully repay the debt on time, the organization offers a profitable installment payment system with interest rate freezing. This allows you to repay the resulting debt without any interest for the credit rating. To do this, depending on the size of the loan, it is necessary to deposit part of the funds, and the system will automatically extend the loan.
Credit Improvement
Website https://ekapusta.com reviews are pretty positive. Any of the users, becoming a member of the microcredit program, can leave a message or a wish for the company. The service quality control service constantly monitors the comments of borrowers and promptly responds to complaints. Besides the fact that you can get a loan of up to 30 thousand rubles in 10 minutes, there is also the opportunity to improve your credit history.
The company is one of the few in the microfinance market that constantly and quickly transmits information to BKI. This is done in order to raise the borrower's credit rating. It is necessary to apply for any loan both at the MFI and at the bank. The better the credit history, the more the credit limit will be approved. However, do not forget that in case of delay in the loan and its non-payment, the company makes a negative note about the borrower in its data on credit history.
Withdrawal and transfer of funds
Feedback from debtors about Ekapusta contains many reports on the conditions for withdrawing funds and their crediting. In fact, the company supports all available payment systems and types of money transfers. Most of them work without additional fees. At the same time, funds will be credited from the MFI's website to the borrower's account instantly. The exception is some banks. You can familiarize yourself with this information in more detail in your user account.
When paying debts, commissions are also not charged. The system automatically monitors the crediting of funds to MFI accounts and immediately transfers this information to the borrower's page. This avoids delays in receiving payments and updating personal information about debts for each client. It is also worth noting that the company is included in the official list of partners who support the domestic payment system Mir.
Company Rules
On the site ekapusta.ru loans and job reviews are available after registration. To do this, you need to specify passport data and information about wages. The following is information on the required loan amount and the term for its payment. To confirm the verification of all necessary data, it is required to indicate the phone number registered with the borrower. This is required by company rules. It is also forbidden to withdraw funds approved under a loan application for details that do not belong to the applicant.
Every citizen of the country with a regular income and age of 20 years can get a loan. In this case, the system evaluates each parameter individually, and even if the applicant cannot confirm the place of work, he will be provided with a loan, but in a smaller amount than required.