The need to make unforeseen expenses sooner or later, everyone faces. Where to get the money in such minutes? The fastest and easiest option is to apply for a loan in the “Take it Easy” online service. On this site, as its creators assure, in a few minutes you can get the right amount on the card. Is this really so? What are the reviews for “Take it Easy”? The answers to these questions are worth a look.
Microfinance Organization History
“Take it Easy” is not a company, but an online service created by the microfinance organization Parsa Company Group. It has been on the microfinance market since 2009. At the time of its foundation, it was a small company that could fall apart under the influence of competitors. Nothing of the kind happened. Over the years, Parsa Company Group has become one of the leaders in the microfinance market.
An organization created an Internet site to conduct business. Its goals are to inform customers about the company's services and to provide users with online forms for sending loan applications. The site has the function of creating a personal account. It simplifies the process of using loans. Applications are sent through it, information on the expiration of the use of the received funds is viewed.
Online Service Benefits
Using the “Take it Easy” website is convenient:
- an application for a loan is executed in a convenient environment without visiting the office and waiting for your turn, without providing income statements;
- it takes several minutes to make decisions on company applications;
- Approved money is credited to the account specified by the user in the application within 24 hours.
Reviews about “Take it Easy” indicate that the online service is working around the clock. It can be used in the early morning, day and night. The work of the site also does not depend on holidays. That is why, for receiving money, clients turn to a microfinance organization at a convenient time for them.
Loan Terms
The online service “Take it Easy” gives small amounts of money to users - from 3 to 15 thousand rubles for a period of 5 to 30 days. At the first appeal, as a rule, they approve the minimum allowable loan. With subsequent appeals, the company's trust increases, and it increases the approved amount.
The interest rate, judging by the reviews about “Take it Easy,” is 2.18% per day. To understand how big it is, we give examples:
- when registering 3 thousand rubles for 5 days, it will be necessary to return 3 thousand 327 rubles at the end of the term;
- if you issue the same amount for 30 days, then you will need to return 4 thousand 962 rubles;
- when registering 15 thousand rubles for 30 days, the amount to be returned will be 24 thousand 810 rubles.
Loan processing
A loan is issued in the “Take it Easy” service on the main page of the official website. The application includes 2 sections. In the first, the borrower indicates basic information about himself - his last name, first name, middle name, passport information, address of residence and residence, contact information (mobile and home phone numbers, email address, link to the social network Facebook, VKontakte or Odnoklassniki) .
In the second section of the application, the borrower, as evidenced by the reviews about “Take it Easy,” enters information about the work into empty fields. If you have a source of income, you must specify the name of the organization, its address and contact information (phone number, website address), position held, salary. After filling in all the fields, the application is sent indicating consent to the processing of personal data.
Receiving money, returning and prolonging a loan
Some time after sending the application, the company manager contacts the client. It checks the correctness of the entered data. Then the company makes a decision. When approving a loan, the user is determined with the method of receiving funds. The company only transfers to bank accounts and to debit or credit card accounts.
There are many more ways to repay, as customers indicate in the “Take it Easy” reviews. You can repay a loan:
- at branches of any Russian bank;
- through the Internet bank of Promsvyazbank;
- via Webmoney system;
- electronic money from the Yandex.Money wallet;
- using bank cards;
- through the Sberbank Online service, etc.
If there is not enough money to repay the loan at the appointed time, you can use the extension service. Upon repayment of interest, the loan is extended for the required period (from 1 to 30 days). Funds for prolongation are deposited into a personal account in the listed ways.
Employee Reviews
The company, as evidenced by the management team, employs true professionals. They are not just employees, but like-minded people and associates. Specialists are constantly working on the development of the company. They study the market, analyze the activities of competitors, introduce developed innovations. At the same time, specialists are engaged in self-development, make high demands on themselves. Negative reviews of employees about “Take It Easy” and about the company’s work were not found. Probably, specialists working at Parsa Company Group and engaged in online service are satisfied with all the conditions and atmosphere in the organization.
Customer reviews
A lot of negative reviews were left about the company “Take it Easy.” Firstly, customers complain about the high interest rate. They say that it’s better to go to the bank and get a loan than to contact the “Take it Easy” service. Secondly, some customers had to wait a long time to receive money on an approved application. The staff could not give an exact explanation. Different people answered the calls and spoke completely contradictory information - either technical problems, then the transfer was sent, then the loan application is under consideration.
Often leave negative reviews about “Just borrow” debtors. Employees threaten them, are rude, say false information. Clients say that people working in the company make phone calls, introduce themselves as law enforcement officers, and invite them to the police station to sign documents drawn up after an alleged court hearing. In the police, no one could clarify the situation. Nobody knew about any court or documents. After such cases, some clients write a statement to the prosecutor.
Negative reviews about the MFI “Take it Easy” are also written by the contact persons of the borrowers. They claim that they began to be tormented by constant calls and messages when a debt occurred to their friend, relative or friend who applied for a loan. Employees of the microfinance organization demanded the return of the debt, threatened that the departure of employees was planned. When asked to stop calling and sending messages, they talked about the impossibility of removing the contact number from the database.
Tips for users of the online service
Before applying for a loan, consider whether you can pay the amount taken with accrued interest. So that in the future there are no problems, you must have a constant source of income, you should not have open court proceedings for the recovery of existing debts.
If you find yourself in a difficult financial situation, contact a microfinance institution employee by phone and extend the loan by paying only interest. If you ignore this, then ruin your credit history. In the future, you will have problems with obtaining loans and credits from other companies and banks. You will also increase the total amount to be returned in connection with the calculation of interest and penalties. Remember that you can renew a microloan agreement only 5 times.
Provide reliable information about yourself if you are only going to apply for a microloan in “Take it Easy.” Testimonials from people indicate that all data is checked by employees of a microfinance organization. By indicating lies you can only ruin the situation. Deceptive beginners, as a rule, are refused a loan after sending an application and talking on the phone.