Today, electronic payment systems offer their users not only the storage of funds in wallets in electronic form and the possibility of online payment for purchases and services. In Qiwi, for example, you can still arrange loans. By the way, they are not issued by the payment system itself, but by its partners. How to borrow at Kiwi is a question that we have to consider.
How to get a loan to Qiwi wallet
In the interface of the electronic wallet to get a loan, click on the section "Replenishment of the wallet". The link is located at the top of the page. Next, a list of all recharge methods will open. Among them, online loan replenishment will be displayed. Money is transferred to an electronic wallet without a commission. If, for example, a user makes a loan for 5,000 rubles, then this amount will go to a personal account in the Qiwi payment system.
When you click on the method of replenishing your wallet with a loan, a page with more detailed information will open. A list of partners will be presented. You can choose one company or apply at once to several microfinance organizations. In principle, MFIs are not too demanding. The main condition that must be met is age. A borrower who is thinking about borrowing at Kiwi must be at least 18 years old.
What you need to prepare for a loan
Microfinance organizations are attractive in that they do not require certificates of income and job availability. People do not need to make a copy of the work book, take a 2-NDFL certificate. To apply for a loan, you only need a passport of a citizen of the Russian Federation.
All borrowers are advised to prepare a telephone. Some companies call back to clarify additional information, send an SMS message to the number with a positive decision on the application or with a refusal to draw up money for a loan. To apply for a loan, you must have an e-mail. Some services may require a bank card to link to your account.
Also, borrowers should consider that microfinance organizations do not issue loans without proof of identity. In “eKapusta,” for example, the instructions on how to borrow at “Qiwi,” it says that it is necessary to provide a photograph of the borrower with a passport in hand and a piece of paper with the name of the MFI written on it over the Internet.
List of payment system partners
The list of Kiwi partners includes 13 online services:
- CreditPlus;
- JoyMoney;
- Vivus;
- GreenMoney;
- OneClickMoney;
- Fast money;
- EKapusta;
- "SMSFINANCE";
- Zimer
- Lime Loan;
- VEBBANKIR;
- "E LOAN";
- "Moneza".
Each microfinance organization has its own conditions - the minimum and maximum possible amounts, interest rate, etc. To get acquainted with the established conditions, you can click on the "Get a loan" button, which is located in the e-wallet interface opposite each Kiwi partner. After clicking, the system goes to the official website of the selected MFI.
Contacting the Saymer
Let's look at an example of how to borrow money at Kiwi Wallet through the Zaymer online service. The official website of the microfinance organization operates automatically around the clock on weekdays, weekends and holidays. The borrower is not required to speak with MFI staff. You only need to fill out an application. After sending, it is automatically checked. This procedure takes from 4 minutes. After approval, the amount is instantly transferred to the borrower.
Zaymer allows customers to borrow money at Kiwi, as a rule, even with a negative credit history. If there are delays in the past, the online service offers the borrower a credit history correction program.
The “Seimer” has several requirements for a potential borrower:
- age from 18 to 75 years;
- the presence of a Russian passport;
- permanent registration in Russia;
- full legal capacity;
- the presence of a registered plastic card with a mobile bank connected to it and with a positive balance;
- the presence of a mobile phone.
An example of a loan in the "Seimer"
On the main page of the official service there is an online calculator that can be used by any potential borrower before borrowing at Qiwi. Using this tool, people applying for a loan will even know the amount to be repaid before the contract is drawn up. The term is not indicated, but for the calculation, the service takes the maximum possible period.
For all new customers, Seimer offers a “Payday Loan”. Its conditions:
- the minimum amount is 2000 rubles;
- the maximum possible amount is 30,000 rubles;
- term of use of funds - from 7 to 30 days;
- interest rate - from 277,400% to 547,500% per annum (that is, the maximum daily interest rate is 1.5%).
To apply for a loan, it is recommended to click on the registration button. This will open a page with fields to fill out. In them, the potential borrower introduces the last name, first name, middle name, phone number and email address. Next, passport information is entered, the desired amount is indicated. After approval of the application, the client has the right to choose the method of receiving money that is most convenient for him.
To transfer a loan to Qiwi Wallet, you need to find the appropriate button among the withdrawal methods, click on it and enter the account number in the payment system. Money is credited within 30 minutes. It is important to note that not every wallet can be specified in the Seimer system. Only authenticated accounts are accepted (wallets with the status of "Professional").
Recommendations for future borrowers
In microfinance organizations, there is one condition according to which a loan can be obtained only if there is work. However, in practice this condition is not always satisfied. Cash is issued even to the unemployed. For the first time, the company may issue a small amount to verify the solvency of the client. After the borrower returns the money, the MFI starts offering a larger amount.
People who do not have work or earn too little money are glad that they manage to get loans to solve their financial problems, and accept the proposals of microfinance organizations. In such situations, you should still be more careful. When applying for loans, you need to carefully analyze your financial capabilities.
It is not recommended to borrow money if there is no 100% certainty that after the expiration of the term it will be possible to repay them together with the accrued interest. A non-performing borrower risks losing a larger amount or its property. In case of non-repayment of loans, microfinance organizations charge large interest rates, fines for the originally issued amount and are filed with the non-payer in court. In the end, everything ends with a mandatory penalty.
In conclusion, it is worth noting that you need to study the conditions of all partners of the payment system before borrowing a purse from Qiwi. 1,500 or 1,000 rubles, for example, cannot be obtained on some sites. Confirmation of this are the above conditions of "Seimer". In this company, the minimum amount is slightly larger.