Very often, relatives, friends and acquaintances turn away from people who find themselves in a difficult financial situation. Trying to find a solution, those in need of money turn to different banks, microfinance organizations. Some people among the huge number of offers in the credit market are turning their attention to Credit Plus. What kind of company is this? On what terms does she lend money? What are the reviews about Credit Plus? We will consider all this.
About the service "Credit Plus"
Credit Plus is an online service. He is quite young and modern. People are invited to quickly arrange loans, receive money in the most convenient way. When registering on the site, a personal account is created. Through it, you can perform the necessary actions at any convenient time without contacting employees. In the personal account, each client is given the opportunity to extend the current loan, arrange a new one under the most suitable conditions, and spend the accumulated Cashback bonuses.
The Credit Plus service belongs to the limited liability company, the microfinance organization Ecofinance. She grants loans only to capable citizens with a constant source of income. To submit an online loan application, only a passport is required. It is worth noting that, under the existing conditions, not all people can take a loan. The company has set an age limit. For the first time, an application can be submitted at the age of 22 years.
Company benefits
The Ecofinance company declares that the Credit Plus online service belonging to it has several advantages:
- He is a responsible direct lender. You do not have to worry about the indicated data. All personal information is transmitted through a secure channel.
- With service employees, all communication is carried out through phone calls, e-mails and SMS messages. Personal meetings are not required, so you can apply for a loan at CreditPlus at home, at work, or anywhere else.
- Loans in the service "Credit Plus" - it is also profitable. Firstly, upon successful return, the client has a better credit history. Secondly, each subsequent loan becomes cheaper, as the interest rate is reduced. Thirdly, with a timely return of funds, Cashback is accrued up to 10% of the loan amount.
Products Offered
Online service “Credit Plus” offers 2 types of express loans to its current and potential customers:
- MicroCredit. For customers choosing this product, the company provides from 1 thousand to 30 thousand rubles. The loan term is determined by the borrower independently, but it can not be less than 5 days and more than 30 days.
- MiniCredit. In accordance with the terms of this product, a client can receive from 15 thousand to 50 thousand rubles. The loan term can be long - from 10 to 24 weeks.
At the first application, as a rule, a person cannot take a loan for a large amount. This is explained by the fact that the company has established customer levels: beginner, expert, partner and VIP. Beginners are those customers who first contact the company. The amount available to them is only up to 15 thousand rubles. The experts include clients who returned from 2 to 4 loans. The maximum possible amount is 20 thousand rubles. In addition to the increased amount, experts are also offered the opportunity to arrange loans using SMS messages. Partners are customers who returned from 5 to 10 loans, and the VIP group includes people who have used the service more than 10 times. For partners and for VIP clients, the amount of express loans is significantly increased.
Loan processing
Clients applying for the first time to receive money must fill out an application. It is presented on the main page of the company website. Filling out an application consists of 4 stages:
- At the initial stage, the client indicates his contact information in the form - last name, first name and patronymic, gender, date of birth, email address, phone number. After the transition to the next stage, the potential borrower is sent a confirmation code to the phone number.
- After indicating the code on the page, the passport data is entered in the appropriate fields - place of birth, document number, information about when it was issued and by whom.
- The following pages indicate additional information about the borrower and the customer confirms the completed online loan application.
Decision-making
An application for a loan can be sent at any time. The solution comes very quickly - within 1 minute. The company often responds positively to applications sent, but sometimes it has to refuse. Only customers who provide false information about themselves, hide information about existing and non-returning loans, receive a negative decision.
The online service takes positive decisions based on one main criterion. For the company “Credit Plus” it is the presence of a positive motivation for the borrower to repay the money that he plans to borrow.
Information on the interest rate and methods of issuance
On the MicroCredit product, the interest rate is set in the range from 620.500% to 784.750% per annum. For “MiniCredit” a lower interest rate is set - from 283.693% to 320.737%. The first loan sets a high interest rate. It decreases for those customers who return money on time and re-apply to the company through the online service “Credit Plus”.
An approved loan in Credit Plus can be transferred in different ways:
- through the payment system CONTACT or "LEADER";
- to the bank card indicated by the borrower;
- to a bank account at the details specified by the client.
Loan repayment and extension
With the MicroCredit product, the debt is repaid in a lump sum payment on time. With "MiniCredit" a longer loan term is established, therefore, its return is carried out in a slightly different way. Equal payments are required to be made every 14 days.
If repayment on time is not possible, then you can use the service “Renew loan” in “Credit Plus”. You can activate it in your account. The company has set the maximum allowable extension period. It is equal to 15 days. It is also worth noting that the extension is not a free service. A small fee is required for it.
Even for customers, the company created a service called "Autoprolongation." It is designed for people who find themselves in a difficult financial situation and are unable to repay the debt on time. With auto-prolongation, the loan term is increased by 10 days. Renewal fees are included in the amount due.
About Cashback
According to reviews, “Credit Plus” offers its customers Cashback, but not all people know what it is. This foreign word denotes a cash bonus. In the service "Credit Plus" it is set as a percentage of the amount of debt. For example, a loan is 5 thousand rubles. The cash bonus is set at 5% (this figure is not accurate, for some borrowers it is more). Upon timely contact, the client will be returned 250 rubles.
Accrued bonuses can be used as follows:
- pay the next loan;
- extend the term of a loan;
- transfer to your account or through a money transfer system.
Positive feedback from borrowers
Some customers leave positive feedback about the Credit Plus online service. Borrowers say that their opinion is due to the advantages of the company:
- it takes about 10 minutes to fill out an application on the site;
- you can find answers to all questions (they are located in a special section of the site);
- if necessary, you can contact the service staff (through a special form on the website or by calling the support service at a toll free number);
- all operators are real experts - they know about all the nuances of obtaining loans, can answer any question, correctly and politely explain any incomprehensible information;
- the application is considered very quickly, it will not take several hours or days to wait for a decision, as is the case with other microfinance organizations and banks;
- when making a positive decision on the application, the funds are sent to the client instantly, and delays in crediting occur not through the fault of the company (funds are transferred to the bank account in accordance with the terms of the bank).
Negative feedback from borrowers about "Credit Plus"
You can find negative reviews about the company. For example, one of the clients described the following situation. A person through the service “Credit Plus” issued a loan in the amount of 15 thousand rubles. Due to complex financial difficulties, it was not possible to pay on time. After some time, threatening calls began to arrive on the phone number indicated in the questionnaire. An unfamiliar person who did not introduce himself said that an exit group would arrive to describe the property. After some time, someone started sending photos of the borrower and his family members with offensive inscriptions on the social network. It was decided to contact the prosecutor's office in order to stop the lawlessness, which, according to the borrower, was arranged by an organization that owns an online service.
Another client in one of the negative reviews about “Credit Plus” complained about the company's employees. They, in his opinion, did not specifically tell important information in order to increase the borrower's debt. The essence of the situation was as follows. The person delayed payment for 1 day and called the company to find out what to do in this situation. The employee replied that there is nothing wrong with this and you can pay the loan now. Reception of funds from bank cards did not work, and the client again called the company. He was told that it would be possible to deposit money later. However, after some time a message came about the delay. The company employees did not see their fault in this.
Some people still say that the Credit Plus MFI company is disgusting, and all the positive reviews are written to order and do not correspond to reality. It is impossible to know whether this is true or not. Before applying, you should look for those people (among your friends, friends or colleagues) who used the service and can tell a lot about it.