The article will review the reviews about the online loan "Cabbage".
The Internet with high activity is conquering more and more new spheres of human life. Even pensioners and young children can easily register on social networks, send messages, play games online, watch movies. Users make purchases on the Internet, pay for services and consult on issues of concern to them. Moreover, in difficult times, they can even borrow a small amount of money.
Loans “Cabbage”, according to reviews, is the easiest way to deal with temporary financial difficulties, with which you can borrow a certain amount up to an advance or a salary, and there are no unnecessary problems.
General loan conditions
The loan conditions are as follows:
- an amount from five hundred to thirty thousand rubles;
- a period of one to three weeks;
- interest on the loan "Cabbage" for the first week on the day of 2.3%, 1.7% - for each next.
New MFI clients can count on a 0% rate.
That is, loans without interest in "Cabbage" - this is a very real thing.
What is online loans?
Microfinance organizations provide loans to citizens for short periods. To ensure comfortable conditions for clients and to keep up with the times, many MFIs now operate on the Internet, where they create sites with a pleasant interface and convenient controls.
The times when you had to “upholster” the thresholds of acquaintances and friends to ask for a loan on a salary have passed. Now users of the Network who are in need of finances can fill out a simple application in five minutes and get the right amount in an appropriate way. Instant loans “Cabbage” have become very popular on the Internet. The name itself speaks for itself, that is, you can easily get the money.
For many years, the company has been operating in the microfinance market, among MFIs that provide online services, it is a pioneer.
The creators of the Internet service “Cabbage” in issuing a loan made a lot of efforts to make their customers happy with working with a microfinance organization. The main task of "Cabbage" is the quick issuance of funds online. She has no employees, all operations are carried out by a special program that checks the borrower in more than 1800 parameters, and decides whether or not to lend money to him. They are not given, as a rule, only to those people who filled in the information during registration incorrectly.
According to reviews, the first loan of E-Cabbage is very popular because it does not need to pay interest.
Benefits
Loan "Cabbage" has the following advantages:
- You can apply without leaving your home. The site of “Cabbage” offers to fill out an electronic form, and for this you do not need to visit the office of an MFI or a bank.
- Customer loan applications are processed around the clock. In some cases, it happens that you need money at night. In the trading world there is an active attack on the buyer, stores arrange sales, promotions, cyber Mondays, Black Fridays, sales nights, etc. Discounts on goods these days can reach 80%. The consumer wants to purchase them at a reduced price, but at the right time there is no money in an electronic wallet. In such cases, the Cabbage service helps, providing funds at any time of the day, including at night.
- The questionnaire is very simple, you need to specify the minimum amount of information.
- Minimum documents. You will need a mobile phone and passport.
- Very quick review. The decision to issue money is made literally within a few seconds after sending the application. It is positive in 90% of cases.
- A variety of ways to get a loan. Money transfer is possible to electronic wallets ("One cash desk", "Yandex.Money", QIWI), bank account, as well as through transfers "Golden Crown", CONTACT. Minimum terms of crediting: to the bank account - up to three days (depending on the bank), to electronic wallets - two minutes; transfer - one day.
- Debt is very easy to return. Moderate interest on the use of microcredit (if compared with other MFIs). Available loans in Russia. The limit is from 100 to 30,000 rubles, the loan period is from one to three weeks. If necessary, a microloan can be extended.
- Interest rate reduction for responsible borrowers.
- Confidentiality, security and mobility. Any device allows you to easily fill out an application for funds (phone, tablet, computer). It is better to familiarize yourself with the feedback on the Cabbage loan in advance.
Personal Area
In the personal account of "Cabbage" the client has the opportunity:
- applying for a microloan online;
- look at the conditions of the loan and whether it is approved;
- view the current microcredit balance and payment schedule;
- extend the period of use of funds (prolongation);
- get more favorable conditions for loans in the future;
- Ask support questions.
If entering or registering in your account causes difficulties for the client, he can use the instructions that are available on the Internet and describe everything in detail.
Online clearance
Registration is as follows:
- on the organization’s website, you need to select the period and the required amount;
- registration and providing access to the client in your personal account;
- personal information is written (data on the passport, place of residence, full name, information about loans taken earlier);
- You can get a solution online for five minutes around the clock.
Incoming applications are automatically considered by a system that analyzes a large number of parameters in order to evaluate information about the borrower for rejection or approval of the application.
The amount of overpayment for using a microloan is known in advance.
The client does not wait for the transfer of money for long, receives funds almost immediately, regardless of the time of day or night.
Who will be given a microloan?
Customer requirements are not as stringent as in other MFIs or banks. Any adult citizen with a Russian passport and citizenship can become a borrower.
What documentation is required? In order to send an application for a quick loan "Cabbage", you need to go to the site with the same name ekapusta.ru and register on it. You can do this from any device that has access to the Internet. After registration, the user will have access to microfinance services and a personal account. To apply for a loan, you will need a photo of two pages of your passport (registration address, F.I.O.). Borrower identity required. It is not difficult to do this - write “E-CABBAGE” on a sheet of paper manually, and then take a picture with this sheet in front of you. Such actions will confirm the submission of the application by the client, acceptance of the terms of the loan, fraud is excluded. The user uploads ready-made photos to the site in his account.
With a bad credit history
Thanks to the “Cabbage” service, quick loans are available online at the right time, he offers a program for improving (correcting) credit history. People who do not have a credit history have problems with lending along with those whose credit files are damaged. Banks are distrustful of them, often refusing loans. The “E-Cabbage” service online offers such customers a consistent fix or gain a credit history, as well as increase their rating. Three stages are included in the program: the first loan up to a thousand rubles, the second - up to two thousand, the third - up to three thousand. The user's task is to return the money on time. “Cabbage” transfers information about the returned loan to the National Bureau of Credit Histories. Due to this, the credit history is formed (in its absence until now) or is corrected.
Loan repayment terms
The attitude to the client is formed from a bona fide approach to the return of microcredit. Paying a loan is as easy as getting it. Funds are instantly transferred to the account of the company. If the debt is repaid in time in full, Kale will increase the limit for the loan in the future. Possible ways to pay a loan: using e-wallets: “One cash desk”, “Yandex. Money ”,“ Qiwi ”; money transfers "Golden Crown", CONTACT; bank transfer; cards Maestro, MasterCard, VISA. The loan "Cabbage" allows customers to get a nice bonus - for each invited friend five hundred rubles. The service is easy to recommend to friends. Perhaps the information will be timely and useful for them. A bonus is used to repay your microloan, and the invited friend will receive a discount of 500 rubles for a loan for the first time.
How to repay the loan "Cabbage"?
You can pay off the debt:
- using online banking or with a credit card;
- through QIWI - payment system;
- by transfer via the Contact system or using any Russian bank of cash;
- in the offices and terminals of the "Connected" and "Euroset".
Each user of the system receives payment details in his personal account, he can learn about the repayment and payment of a microloan with a card at the entrance to it. If you can’t access your account and the time has come to repay the loan in Kapust, you need to contact the support team via the online feedback form on the website or by phone.
Responsibility and security
Although the process of issuing microloans is fully automated, the EKapusta service allows for confidentiality and security, and the personal information of clients is protected in accordance with Russian law. Borrowers need to reasonably evaluate their ability to repay the loan. Service in case of non-payment accrues daily interest and penalties until the day when the loan is fully repaid.
Reviews
In general, the feedback on the Cabbage loan is mostly positive. Customers like: lack of red tape with documents; no need to search for guarantors and collect information; credit is issued remotely; funds are transferred instantly; fast and clear service; acceptable percentage.
The convenience of obtaining microcredits to Yandex.Wallet is noted, funds are transferred quickly if it is identified. No less convenient repayment. Some users say that they are forced to take loans before receiving a salary, and against the background of other microfinance companies, the company we are describing stands out, which helps with financial difficulties.
Are there only positive reviews about the loan "Cabbage"?
Of course, there are also disadvantages. So, the work of the hotline is not well established, it is difficult to get through. Clients would like to promptly receive answers to questions. They suggest developing online communication with users. Such a chat would be a salvation, because there is a lot of incomprehensible information about a loan product.
Some negative reviews about Kapusta online loans are associated with a too high percentage, but no one forces you to use the services, all conditions are set in advance, so the client knows what he is doing. Of course, the overpayment is palpable, but if you urgently need funds, you can turn a blind eye to this.
Sometimes customers experience difficulties with clearance. There are also tips from users who believe that it is better to look at more well-known microfinance organizations.
We reviewed customer reviews of the Cabbage loan.