Probably, many noticed the speed with which the number of microfinance organizations in cities and the Internet is growing. This is due to the huge demand for loans. One of the microfinance organizations existing today is Fastmoney. It works in compliance with the law, is not a fraudulent company, is included in the register of the Central Bank of the Russian Federation. Quite versatile reviews about Fastmoney make you think about whether it is worth contacting this microfinance organization.
Information about the company
Since 2014, the website of the microfinance organization Fastmoney has been operating on the Internet. The company has a motto - “Quick money”. It is true. Loans on the official website are issued very quickly. On any day of the week and at any time of the day, you can fill out a questionnaire and send it for consideration. This takes a maximum of 5 minutes.
When filling out an application on the official website and making a positive decision, money is issued on the borrower's personal bank card. In its absence, the loan amount can be obtained in cash. The company, as is known from official information and reviews about Fastmoney, has a huge number of offices (points of issue) in different cities of Russia.
Granting loans
In Fastmoney, loans are issued in the amount of 3-30 thousand rubles. The society has the opinion that microfinance organizations give money at interest to everyone. In Fastmoney, this is definitely not the case. Before issuing a loan, the company evaluates the applying borrower for the information provided. At the first appeal, a refusal is possible, it is also possible that a small amount will be issued.
For regular customers, trust increases after each loan returned. Conscientious borrowers may be provided with the maximum possible amount - 30 thousand rubles. However, before you process a large amount, you still need to think carefully, because loans issued by MFIs have 2 drawbacks. In reviews of Fastmoney, customers often mention that:
- money is issued for a maximum of 15 days;
- a high interest rate applies.
More about conditions
To get a loan in Fastmoney, you need to "meet" several conditions:
- minimum age allowed - 20 years;
- the presence of permanent registration in the territory of any subject of Russia;
- the availability of work and income.
The company documents noted that the minimum interest rate is 0.5% per day. However, it is not established for all persons. Judging by the feedback on rates in Fastmoney, newcomers are first offered not so attractive conditions. Customers who decide to contact Fastmoney for the first time can use the online calculator. It does not show the interest rate, but shows the amount that will need to be returned. For example, it may be as follows:
- 3 810 rubles (for a loan of 3,000 for 15 days);
- 12,700 rubles (with a loan of 10,000 for 15 days).
Fastmoney customers about company benefits
Too many banks and microfinance organizations, with a bad credit history, refuse borrowers to issue loans. In Fastmoney, they even cooperate with those people who in the past allowed delays. A program for improving credit history has been specially developed for problem customers. This is an important plus microfinance organization.
Another important advantage, which is sometimes mentioned in reviews of Fastmoney, is that MFIs allow restructuring of debts arising under a consumer loan agreement. To take advantage of the restructuring, it is necessary to write a statement indicating the reasons for the deterioration of the financial situation (for example, an accident, a serious illness, incapacity, loss of personal property for a large amount, loss of work), and attach supporting documents to it.
Positive and negative customer feedback on loans
Fastmoney is not an ideal microfinance organization. She, like any other similar company, has both good and bad reviews. In positive reviews of Fastmoney, customers confirm that MFIs have certain advantages. First of all, people say that getting a loan is quite simple and quick. Only a passport is required. The answer from the microfinance organization comes in about a minute. With a positive decision, the money is sent to the borrower directly to the card.
Regular customers who know the conditions of the company well note that Fastmoney provides for the possibility of receiving funds against the security of a vehicle. The minimum amount may be 50,000 rubles, and the maximum - 500,000 rubles. The interest rate is set from 0.1% per day. The loan term is chosen by the client, taking into account the current conditions (from 1 year to 3 years).
In negative reviews about the Fastmoney project, people indicate that the main disadvantage of the company is the too high interest rate set for beginners. A considerable amount has to be overpayed when processing a large amount for the maximum possible time. Dissatisfied customers are advised not to contact microfinance organizations, because large percentages are set not only in Fastmoney. When you need a large amount for the long term, it is best to contact the bank, apply for a loan or credit card with a grace period.
What do debtors say?
Debtors reviews about Fastmoney leave quite different. For example, one of the former clients said that he had a delay. For 60 days, the company employees did not bother him too much. First, a manager called once a week. Then SMS notifications began to arrive, in which the amount of debt was reported. Since the client did not contact, a letter was sent to him by mail. The debtor was notified that a microfinance organization was entitled to recover a sum of money in a judicial proceeding.
However, it is not always that a company goes to court in a short period of time after the delay. Often she sells debts to collectors. Collectors, however, do not always use the correct methods of influencing debtors in their work. There were such cases when employees of collection services were rude and threatened borrowers.
Can I do without a loan from Fastmoney?
Should I contact Fastmoney? Can I do without a loan? These are the questions that a huge number of borrowers are asking themselves. First of all, it is worth noting that it is safe to contact Fastmoney. If the client correctly evaluates his financial capabilities, then he safely returns the amount taken and the interest accrued on it. Negative consequences are possible if a person contacting the company gives deliberately false information about his money income or incorrectly assesses his capabilities. In case of delay, the MFI can go to court and collect the debt.
It is rather difficult to answer the question whether it is possible to do without a loan. Here again, you need to take into account your financial capabilities, evaluate the negative and positive sides of the loan, read reviews of Fastmoney.ru. Sometimes borrowed money helps to make a very profitable and necessary purchase.
Despite the fact that Fastmoney has flaws, you should not forget about the company. In a difficult life situation, she can help out very quickly. You just need to give yourself answers to several questions: is a loan really vital and will it be possible to return it later without delays?