A few years ago, the issuance of loans via the Internet began in our country. One of the companies that embarked on the path of such activities was the microfinance organization Elephant Finance. Borrowing money through the World Wide Web has become an urgent service. The company gained interest among people, was able to build a positive reputation, get good reviews. That’s why Elephant Finance still exists.
About microfinance organization
Elephant Finance has been around for 6 years. The microfinance organization (MFI) began its activities in 2011. She received at this time a certificate of the Central Bank of the Russian Federation on entering into the corresponding register. Today, Elephant Finance is a leader among microfinance companies in our country. He offers affordable loans to people without providing references and guarantors.
The microfinance organization Elephant Finance does not have an address, as it does not have an office. Reception of applications from users is carried out through the developed site. On it, each client goes through the registration procedure, receives a personal account for managing applications, loans. If you have questions, you can call the company’s call center or send an email to the support desk.
Benefits of obtaining loans through the Elephant Finance service
In the microfinance organization in question, it is convenient to arrange loans. In any place and at any time convenient for you, you can fill out an application on the official website and send it for consideration. The response from the company comes pretty quickly. The decision is made within 5-20 minutes. In rare cases, applications are considered during the day.
When sending a positive decision, the company instantly transfers money to the customer’s card. This method of obtaining a loan in "Elephant Finance" is the only one, but at the same time it is the most modern and convenient. The borrower can withdraw funds from the card in any place convenient for him.
MFI loan terms
Elephant Finance accepts applications for loans from Russian citizens aged 18 to 75 years:
- having a job;
- retired;
- being self-employed people.
The area of residence is not taken into account by Slon Finance. A resident of any city has the opportunity to get money in debt. To do this, you just need to fill out a short form on the official website of the microfinance organization. No other methods will be accepted from customers.
And now about the available amounts and interest rates. At the first application, people can send an application for a loan in the amount of 1 thousand to 8 thousand rubles for a period of 7 to 30 days. The interest rate is high. People are convinced of this when using the online calculator on the website of a microfinance organization. For example, you need to take 8 thousand rubles for 30 days. The commission of the service with this amount is 5 thousand 160 rubles. The total amount payable is 13 thousand 160 rubles.
From the second loan, up to 20 thousand rubles are available to customers. The period for which funds are issued in debt does not increase. It also is 7-30 days. The interest rate decreases only with the third loan.
Application Form
An application in "Elephant Finance" is a questionnaire consisting of several sections:
- personal data;
- passport data;
- registration address;
- employment and income.
When filling out the first section, you will need to indicate the mobile phone number. This must be done, as it will receive a code in the form of SMS. It is entered in a special field. By indicating the code, the client confirms the correctness of all the information provided, agrees with the rules for providing microloans.
Receiving the money
After receiving approval from Slon Finance for money, you can go immediately. They are transferred to a card, the number of which is indicated in your account. Sometimes customers find a lack of money in the account. The company warns of the possibility of such situations, because the speed of transfer of funds depends on the work of the bank that issued the card. Money can be received within 1–5 days.
In rare cases, funds are not credited to the card at all. This occurs due to incorrectly specified details. If the card has become invalid or its number is entered incorrectly, this should be reported to the customer service of the Elephant Finance company. To contact specialists use e-mail.
Loan repayment at Elephant Finance
They return the money borrowed from the company in several ways. It is possible to pay by credit card. Payment is made within minutes. The required amount is withdrawn without commission. There are several additional ways:
- through electronic wallets;
- Qiwi and Eleksnet terminals;
- ticket offices of Euroset and Svyaznoy.
MFI "Elephant Finance" provided for the possibility of increasing the loan term. Deferral increases the period of use of borrowed funds by 1–4 weeks. Duration is determined by the client. The loan is extended through your personal account, and this procedure is confirmed using the SMS code.
Questions from customers and people who did not use loans
How to change your data in the profile? This is an important issue, because people can change their work, series and passport number, and the decision of the company depends on this information. To change personal data, please contact support by phone or email. Employees answer calls daily from 7:00 to 21:00 Moscow time. The support service works seven days a week.
Sometimes, by mistake, people who do not apply for a loan begin to receive calls and SMS messages about the need to repay the debt. What to do in such a situation? To resolve this issue, you need to call the elephant finance microfinance company on the hotline during office hours. Employees will understand the problem.
Positive reviews
A microfinance organization has a lot of clients who actively use its services or have ever applied for a loan. Many of them thank Elephant Finance and note the following benefits:
- receive a loan without guarantors, collateral, certificates of salary, copies of the work book;
- to repay the loan, clients select for themselves the most convenient ways;
- in case of problems with payment, you can extend the term.
Borrowers note the efficiency of the service. "Elephant Finance", according to people, is an instant service, and most importantly - it does not need to go anywhere. The questionnaire is filled out on the official website via the Internet, and the money goes to the card. People also point out that questionnaires are considered in a short period of time. Before making a decision, managers call customers to clarify the information specified in the questionnaires. Thanks to this stage, the probability of entering incorrect data about yourself is reduced.
Negative user reviews
Negative reviews about "Elephant Finance" are also available. In them, customers, first of all, write about huge percentages. The microfinance organization does not indicate them on its website. Customers can only find out the total amount to return. Naturally, it is perceived by people easier. They somehow do not notice a large overpayment.
In negative reviews of Elephant Finance, people compare the company's past work with current activities. Some say that the lender has deteriorated. Previously, the microfinance organization sought to collaborate with regular customers. Now she sometimes refuses them, claiming that they are insolvent even if they have a job.
Before applying for a loan at the microfinance company Elephant Finance, you should think carefully, because of the high interest rates, very often people find themselves in a debt hole. If you have work and confidence in the future, then you can contact a microfinance organization. At the same time, customers recommend that beginners do not take out loans for a long period. The longer the period, the higher the total amount to return. In an unstable financial situation, the services of a microfinance organization should not be used.