“Before Salary” are urgent loans online in Russia. Apply for your first loan on your card for free.
You can get a microloan online in the application in just a few minutes. Now all services are at your fingertips around the clock: you can quickly apply for, renew or pay for a loan using your phone 24/7.
How to take a loan online?
To receive money on your card, download the application and fill out a simple form. The only documents you will need are a Russian passport. Very simple, without certificates or guarantors.
Filling out the form takes no more than 5 minutes. After submitting your application, all you have to do is wait for it to be approved, sign an agreement and instantly receive money on your card.
Methods of obtaining and repaying an online microloan
You can receive and repay microloans online through the application or on the company’s website in your personal account. You only need a bank card.
Prolongation
If you don't have time to repay your loan on time, just renew it online using extension. The term and payments will be recalculated automatically.
Safety
We care about our clients and ensure complete confidentiality and protection of personal information. Access to the application is protected by a code that we send to your mobile phone number.
Receive and pay an online loan, keep track of the latest promotions and special offers of the Payday Company using the application.
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Loan repayment terms:
Minimum - 61 days.
Maximum - 365 days.
Annual interest rate:
Minimum - 0%.
Maximum (APR) - 36%.
Example of calculation for a microloan in the amount of 30,000 rubles for a period of 365 days:
The interest rate for using a microloan for 365 days is 0.538% per day. The total cost of credit (APR) is 36% per annum.
The amount of accrued interest for 365 days of using a microloan is 10,800 rubles.
The amount to be returned is 40,800 rubles.
Interest for using the microloan amount in case of violation of the loan repayment period and accrued interest for 10 days - 1668 rubles.
A penalty for the overdue amount of a microloan in the amount of 20% per annum is charged on the amount of the overdue part of the microloan for 10 days - 170 rubles.
How is the cost of using a microloan calculated:
The interest rate for using a microloan in the first 15 days (interest-free period) is 0% per day (0% per annum), for the next 365 days a floating interest rate is applied (from 0% to 36% per annum)
The cost of a microloan is calculated:
Amount to be returned = Loan Amount + Overpayments, where
Overpayments = Loan Amount * Loan Period * (Rate in % / 100)
There are no additional fees.
Organization details:
LLC MKK "DZP-Ediny", address: 197374, St. Petersburg, st. Furniture, 12, building 1, lit. Ah, room. 53-N, room 428
Reg. No registration in state MFO register 2303140009956
TIN 7814821288
OGRN 1237800038442
Detailed information on the website https://dozarplati.com