Now in the microcredit market there are many different organizations. Each company offers its services in the form of the size of the limit and the term of use of the loan. Compared to banks, MFIs are much more profitable for both inverters and investors, moreover, they are more accessible to the population. As a result of the changes in the system of loans and microfinancing at the legislative level, clear regulations were established that establish the rules for working and using the loan.
As a result, dishonest owners of microfinance companies left the market. There are only reliable and proven organizations that work according to established legal requirements and do not violate the law. Reviews of Zaymigo company customers note that it offers favorable and affordable conditions in the financial services market. The organization has been working for a long time and helps to solve the financial difficulties of the population.
About company
Zaymigo reviews say the company has been operating for more than 5 years. During this period, clients who have repeatedly applied for a loan have become more than 400,000 citizens aged 20 to 55 years. The company is loyal to many borrowers, and the requirements are minimal. In addition, MFIs are also an active platform for investing at a large annual percentage. Many investors note the transparency of the structure and strict adherence to the prescribed legislative norms.
A Zaymigo phone allows you to contact the organization. A call from any operator in Russia is free. There is round-the-clock support that will advise on a matter of interest. It is also worth noting that the company works in two directions: one is engaged in providing loans to the public, the other works with investors and provides services to promote a loan product as earnings when investing.
Legal framework
In reviews of Zaymigo as an MFI, it is often indicated that the company strictly complies with all established requirements of the Central Bank of the Russian Federation, the Civil Code and other federal acts. On the company’s website you can find a list of documents on the organization’s activities and with the issued permits for the provision of microcredit services to the population. The founders of the organization are constantly upgrading the system of obtaining loans on favorable terms.
The company works exclusively through the site. There is no need to go somewhere to receive money. All that is required is to register on the official website of the organization and gain access to your personal account. After that, the potential borrower will be formed the necessary credit limit for individual conditions. The loan agreement is also offered for signing in electronic form. Further it is stored in the borrower's section.
Company blog
About MFIs Zaymigo reviews are mostly positive. The company is constantly striving to attract new customers and provides an opportunity to save on a loan. So, the company’s blog, which is located on the official website, provides information on all current promotions and bonuses. By subscribing to updates on information about MFIs, you can receive fresh and current offers right away by email. This will allow you to profitably arrange a deputy or receive a discount on the repayment of interest on the use of company money.
The blog has 3 sections, each containing useful information for borrowers and investors. The third section is about stocks. There you can find other useful resources that will be interesting to read.
Press coverage
Zaymigo customer reviews can be found on various information portals. Often people speak about the company in various large publishing houses that are devoted to lending and earning. Due to the modern system of investing and earning money on investments, the organization has more than once been nominated for high awards. The site of the MFI presents all the major organizations and brands with which the microfinance company collaborated. Thanks to this and media coverage, the confidence of depositors and borrowers is only growing.
The company is a platform for generating income and loans for various categories of citizens. Not only a legal entity, but also an individual can become an investor. For this, it is necessary to fulfill a number of conditions and conclude a deposit agreement for a specified period. This will allow you to get a stable and high income every year. The deposit percentage is several times higher than any domestic bank offers.
Site Overview
Feedback from debtors about Zaymigo says that the site is convenient for working with any platform and operating system. The portal is monitored by a team of developers and programmers. The advantage of MFIs is that they work completely remotely. There is no need to visit the office of a microcredit organization in order to get a loan. All funds received under the loan agreement are transferred in any way convenient for the borrower. There are no restrictions on the choice of a payment instrument and details.
On the main page of the site, an electronic prompt immediately suggests becoming a borrower or investor of the company. Having chosen the direction necessary for the user, you will see how the page with the necessary registration data opens. In addition, at the top of the site there is a column with tabs on different topics. You can familiarize yourself with the principle of the organization’s work in more detail in the “Questions and Answers” tab.
Getting a loan
Your Zaymigo account is required to get a loan. Without complete verification and entering the necessary registration data in the loan funds, the borrower will be refused. Filling out an application will take no more than 20 minutes. You will need to specify the information from the passport and the second document to choose from. It is also necessary to send electronic copies of identity documents. After that, a mobile phone number is attached and the details of the employer are indicated.
The company's specialists check the data and decide which credit limit to set. To obtain the maximum possible amount, you must take and repay the loan more than 5 times in time. Each borrower has his own credit rating, which allows you to form the amount of the disbursed amount and the loan term. After sending the application to the site, it is considered no more than 10-15 minutes, after which it is possible to transfer the approved funds for any specified details.
Personal Area
On the Zaymigo website, access to your personal account is carried out according to registration data. Instead of the username, the borrower's mobile phone number and password are used. After that, the user gets to the main page, which contains information about existing loans and their repayment periods. Inside the office there are tabs for working with debt. Here you can calculate the future interest on the loan. In the upper right corner of the screen is a convenient feedback form. If you have a question, you can contact the dispatcher through an electronic application.
In your personal account immediately after registration, access for loan processing is opened. To do this, in the main window, select the loan size and maturity. If the client is a participant in promotions or bonuses from the company, they will be displayed in the same section. On the user’s page there is information about the company and the contract that was concluded when the first loan was issued.
Loan term and loan amount
Zaymigo gives a loan on affordable terms. Moreover, the size can be from 1 to 70 thousand rubles. In 2018, the rate for all new customers is from 0.48% per day. You can receive up to 20 thousand rubles at the first call. Its size is determined on the basis of the provided information on wages and the employer. If necessary, company specialists can call the numbers indicated to confirm the income indicated in your account.
The loan term is 30 days. You can pay off debt earlier. The system allows you to do this without penalties and commissions. The main thing is that the user does not miss the deadlines for making payments. If you have problems with paying off debts, you can contact support to provide installment payments or freeze interest.
Investing in MFIs
Investor feedback on Zaymigo reports that the organization is trying to develop a direct loan market for small amounts between depositors and borrowers. Such a system optimizes the term for providing borrowed funds and at the same time makes it possible for inverters to earn money. The amount of investment starts from 1.5 million rubles. The maximum investment amount is 5 million rubles.
You can receive interest on the deposit both every month and once a year. The maximum investment period is 24 months. At the same time, there are no commissions for depositing and withdrawing funds. You can receive funds back and terminate the contract at any time. The company provides full transaction support and, if necessary, can coordinate the calculation with the investor on individual terms.
Company benefits
Of the main advantages of MFIs called efficiency in processing applications. Thanks to the convenient system of loans through the official website, the waiting period from application submission to crediting funds to the specified user account does not exceed 20 minutes. When applying again, a loan is issued within 5-10 minutes. Payment of debt occurs in any convenient way for the borrower.
Customers with sufficient funds to invest can invest in the company. Stable income is provided by guarantees and a license obtained from the Central Bank of the Russian Federation. The order and volume of payments is guaranteed by the high activity of the microfinance company, whose client base numbers more than 400 thousand people. Moreover, all contributions and calculations can be made remotely, without a personal visit to the organization’s office. Convenient repayment conditions and low interest allow Zaymigo MFIs to minimize the percentage of overdue debts and bad loans.