The development of the financial services market in Russia has generated new trends in cash transactions. A system built more on trust and ready to come to the aid of citizens with minimal conditions is a sphere of microloans. With such companies, people can not wait for the end of the month or another event, but begin to realize their plans today.
MigCredit: reviews, addresses, free hotline, conditions, interest
If earlier, the phrase “get a loan” meant multiple visits to banks and long lines at the cash register, in recent years borrowed funds have become available even at a distance. We are talking about microcredit and microfinance companies. One of them is MigCredit.
The company is organized by an experienced banker Oleg Grishin. It has been operating since July 8, 2011 on the basis of a certificate from the Central Bank of the Russian Federation. The main type of its services is the provision of loans to citizens on favorable terms with a minimum of documents.
The population is accustomed to believing that the financial services sector has a rather conservative policy. But this is no longer the case. Thanks to the integration of information technology and automation of risk assessment, today every resident of the country can not postpone his plans for tomorrow and get a loan for their implementation right now.
Types of financing
According to MigCredit reviews, the company has a flexible financing system. She is ready to provide loans of two types:
- "To the salary."
- "Optimal".
If the client prefers the loan “Before payment”, he can count on receiving funds in the amount of 3,000 to 14,000 rubles. The loan can be repaid within 30 days. It is not allowed to return money within the first 3 days from the moment of receiving a loan.
Loans from MigCredit under the Optimal system are issued more solid. Here the amounts are from 15,000 to 55,000 rubles. The return period is measured in weeks. The client can choose one of the following terms:
- Maximum - 24 weeks.
- Minimum - 10 weeks.
- At choice: 12, 16 or 20 weeks.
General terms
You can get money on loan in this company on very loyal terms. It is only necessary to comply with some formal requirements that are necessary for drawing up a social portrait of potential borrowers. In addition, there are requirements of the laws of the Russian Federation, according to which financial services are provided on a contractual basis. If we are talking about the application "MigCredit" online, then the provided customer information is used to fill out the contract. They come down to the following:
- The applicant must have a regular source of income from which he will repay the loan.
- Loans are available to all citizens of the Russian Federation.
- A citizen must have permanent registration in one of the territorial districts of the Russian Federation.
- The age of the client at the time of application must be older than 21 years.
Keep in mind that the company appreciates ongoing cooperation with customers. In order to encourage them, special tariff plans apply for first-time applicants and for regular borrowers.
Everyone who received primary financing of up to 55,000 rubles and managed to repay a loan at MigCredit discovers new financial horizons. Now he has access to funds up to 100,000 rubles.
How to get money
Loans are issued in two ways: by personal appeal to one of the company’s offices and by interactively filling out an application. The difference lies in the fact that in the office a personal consultant will tell about the conditions and the procedure for receiving, and when contacting via the Internet, the client can independently study all the rules and compare them with his plans.
Mig Credit offices are located throughout the country. The geography of coverage extends even to its remote corners, such as the Chuvash Republic, Yaroslavl, Udmurtia, the Tula region, Chelyabinsk, Ryazan, Tatarstan, Mari El, Lipetsk, Kursk, Kaluga, Voronezh and other cities. There are 5 offices in Moscow, and 3 in St. Petersburg.
However, this factor does not matter when there is a mobile phone and Internet access at hand. MigCredit addresses and a full description of services are available on the company's official website. There is also a form for accepting applications and other important information.
Online application
The company's website is optimized for use and is available anywhere in the world. The interface is convenient for users even without web-surfing skills, and laconic formatted information blocks are easy to find. To submit an online application to MigCredit you must have at hand:
- Own passport.
- Mobile phone.
- A device with internet access.
The application processing algorithm is extremely simple, consists of 5 steps:
- Filling in the questionnaire. Items required:
- Amount needed. You can type it on the keyboard or move the slider to the desired values.
- Term. It can also be selected with the slider.
The results of the conditions are immediately displayed on the screen. If there are no errors, then fill in the following columns:
- A valid mobile phone number.
- Information from the passport without changes.
- Citizenship.
- E-mail address.
- Region of residence (registration).
Pay attention to the consent button for data processing, located at the end of the page. Clicking on the link opens an explanation for this item. There is information about the need to provide reliable data and their purpose. Putting a green checkmark and clicking on the "I agree" button, the applicant sends his data to the company server.
Within a few minutes, a confirmation code arrives at the indicated number, which must be entered into a special "window". If the message did not arrive, you should check the phone number for correctness and send the request again.
After sending the application, a notification of a preliminary decision should be received within a few minutes. If the applicant filled out the application correctly and meets the conditions of the company, then it remains to choose the procedure for receiving money.
It is possible to further minimize the application time. To do this, you need to call MigCredit by phone. The number for making free calls throughout Russia is also indicated on the official website of the company.
Production methods
If the application is filed at the office, the client can immediately receive money in cash at the cash desk or by transfer to the card. If the client needs cash, he can go to the nearest office of the company and collect the money at the cash desk, regardless of the application method. Money is issued within 24 hours after signing the contract.
For customer convenience, several methods are available:
- Cash uses Unistream, Zolotaya Korona, and Contact money transfer systems.
- Cashless funds can be transferred to an account at any bank of the Russian Federation or to a bank card.
- When transferring funds from MigCredit to a card, Visa, Master Card are accepted.
When receiving money using any of the above methods, the client does not pay a commission. In time, the fastest ways are transfers to the card. They are carried out within 1 minute. In other cases, money can be received in 15 minutes. You must show your passport at the box office. According to the reviews of MigCredit, the whole process takes place with minimal effort and maximum convenience.
Repayment order
Upon receipt of money, the client receives his copy of the contract. The payment schedule is framed in a separate application and is also issued to the client. In MigCredit, you can repay a loan in a variety of ways:
- If it is convenient to use bank cards, then Visa, Master Card are suitable. To repay, you must open the corresponding mobile application, where the account is managed, enter the details of MigCredit and send the funds.
- Another option is repayment on the company's website. To do this, just find the “Pay off loan” button in your account and then follow the interface instructions. The system will request card details. After repayment, a notification will come to your mobile phone, through which you need to confirm the operation. There is a limit on the amount with this method of repayment. It should not exceed 75,000 rubles.
- The Eleksnet system provides two methods of repayment: through its website and through the company's terminals. In each of them in the list of banks and loans there are details of MigCredit. It remains only to find out the location of the nearest terminal. The free MigCredit hotline is ready to help with this.
- Using the same system, you can make a payment through the terminals of Cyberplat. There is no need to enter details or other parameters. It is enough to select the item “Banking services” in the terminal, the subsection “Repayment of microloans” and find your lender there. Client identification is carried out by the contract number.
- Perhaps it will be convenient for the client to use the services of Euroset stores. There is no need to do all the work yourself. It is enough to inform the consultant about the intention to pay MigCredit by the contract number.
- Payments can also be made through the Contact transfer system. The service is available in the branches of all banks cooperating with this system. On the day of payment, it is enough to go to one of the points and inform the operator of the contract number with the company.
- Qiwi terminals can be a good helper when depositing funds to repay a loan. If there is a need to clarify their address, then you can call the MigCredit or Qiwi support service in Russia. Payment is also made according to the contract number. Details of the company should be sought in the "Repayment of loans" section on Qiwi terminals.
- If the repayment amount does not exceed 15,000 rubles, then you can use the services of Svyaznoy. To transfer funds to the MigCredit balance, select the “Bank Cards” item in the list of services on the terminal.
In addition, according to MigCredit reviews, customers can send funds by simple bank transfer. The bank operator must provide its own passport and provide the contract number with the company. Funds are deposited at the cash desk, about which a receipt is issued. In all the above situations, you should keep checks and receipts until the end of the loan repayment period.
If the client wishes to repay the loan ahead of schedule, he must declare this in writing 28 days before the repayment date. This procedure is established by the agreement, which is drawn up on the basis of the norms and laws of the Russian Federation.
Where to go for clarification
If the questions relate to the technical aspects of obtaining a loan, then there are three ways to get an answer to them:
- Through online chat on the site.
- By calling the hotline.
- On the company's website in the relevant sections.
All the MigCredit contacts necessary for customers are indicated on the site. To keep abreast of the latest events and current offers, it is recommended to subscribe to the company's pages on social networks. The necessary information should be searched for by name in Instagram, VK, Facebook and in Odnoklassniki.
If the issue goes beyond the provision of credit services, it is necessary to form a written appeal to the company. It can be sent via the website or by regular mail. The following points should be considered:
- The company does not provide information regarding the personal data of other customers.
- The company disregards appeals in which the applicant’s data are not indicated, at least one copy of his documents, the contract number and the address for feedback are not written.
- If the appeal goes beyond the ethical standards, contains offensive language addressed to the company or its employees, then such a request remains unanswered.
- If the document does not contain the author’s signature, the appeal will not be considered.
What customers say
Objective reviews about MigCredit emphasize the benefits of working with this company.
Users note that loans help them out in a variety of situations. According to reviews, most often people use this service to cover business expenses, for running expenses before salaries, for treatment, for urgent services, for purchases, for travel and gifts.
Given the fact that MigCredit provides non-targeted loans, it is not necessary to indicate the purpose of the application. This fact is considered by many customers to be a big plus.
There are also grateful reviews from senior citizens. This category of citizens is usually classified as vulnerable. However, most pensioners are actively involved in social life and wish to use the services of credit institutions without reference to their social status. MigCredit provides them with profitable financing and convenient methods of cooperation.
The company often pleases its customers with gifts and valuable prizes, including tablets, smartphones, and other necessary and useful things. In addition to profitable loans for urgent expenses, each client can receive a prize or a pleasant gift from the company. To do this, it is enough to use the services once and form your successful credit history.
Another advantage that promises cooperation with MigCredit is no less valuable to customers. Getting loans from this company, you can correct your credit history, for example, the presence in the past of debt to repay loans. Now all information about the client is recorded in a computer database, so it’s impossible to hide any of its flaws. Many microfinance companies blacklist such people, but not MigCredit. All of his customers who have successfully repaid loans are automatically entered into the general register of borrowers. Also on the company's website there is the opportunity to check your own credit rating.
What are the benefits
The concept of a microfinance company has become relevant in Russia relatively recently. Previously, a loan had to go to the bank and collect a pile of papers. Today you can apply for money via the Internet or call the MigCredit phone. The system is available 24 hours a day.
Many are interested in how MigCredit managed to earn recognition from the general public. Its advantages are as follows:
- Activities under the law. The permission to issue loans is issued by the Central Bank, therefore, all service standards are agreed by this body.
- MigCredit has a good credit rating. This conclusion was reached by the National Rating Agency of the Russian Federation.
- Credits differ in the speed of consideration of the application. The response to the request comes in a few minutes.
- No collateral and certificates of employment are required.
- No need to provide proof of income.
- The interest of MigCredit exceeds all customer expectations with its low values.
- Flexible repayment terms.
- Many ways to get a loan.
- There is no need to visit company offices, stand in lines and waste time.
- Possibility of repayment at terminals located in any corner of the country.
- No credit history required.
- If there is a damaged credit history, then MigCredit in Moscow will help to fix it. To do this, take a small loan amount and pay on time.
- All loans are inappropriate. The borrower does not need to inform about the allocation of funds, and consultants will not ask unnecessary questions.
- Loans are issued in rubles.
- There are no additional fees for obtaining a loan.
- Minimum documents required to obtain a loan. Among them, the first document is a passport, and the second is at the client’s choice.
In addition, the company maintains a transparent customer policy, so that every interested person can quickly get comprehensive information remotely or by contacting the MigCredit office.
Bonuses and promotions
The company often holds short and long term stocks. To find out about short-term promotions, it is recommended that you download the mobile application. There are currently two long-term stocks:
- "Bring a friend". MigCredit borrowers can immediately resolve two issues: help their loved ones get a loan on favorable terms and reduce their debt obligations. Both actions follow one after another. If you convinced your relative or friend to come to the company and take a loan, the company reduces your residual amount immediately by 1000 rubles.
- The loyalty program is aimed at reducing the percentage of repeated loans. So, if the borrower applies to the company a second time, then he gets a 5% discount, a third time - 10%, a fourth time - 15%, and a fifth loan goes to him with a 20% discount.
The company sincerely appreciates constant, long-term and fruitful cooperation with its customers. Therefore, each person already from the second loan begins to receive additional incentive bonuses.
Conclusion
“If you want to lose a friend, then lend him some amount of money,” says popular wisdom about the dangerous power of financial relationships between loved ones. Remembering this proverb, few agree to provide financial assistance to their loved ones and comrades. But in life there are often situations when money is urgently needed.
MigCredit is ready to support citizens in resolving any financial issues, whether it be payment for treatment or the purchase of a fashionable dress. You can not put off plans for tomorrow, and financial difficulties should not be an obstacle to a full life.