Today, electronic payment systems offer their users not only the storage of funds on wallets in electronic form and the possibility of online payment for purchases and services. In Qiwi, for example, you can still apply for loans. By the way, they are issued not by the payment system itself, but by its partners. How to get a loan in "Kiwi" - a question that we have to consider.
How to get a loan to Qiwi wallet
In the e-wallet interface, to receive a loan, click on the “Wallet top-up” section. The link is located at the top of the page. Next, a list of all payment methods will open. Among them, replenishment of the loan online will be displayed. Money is transferred to the electronic wallet without a commission. If, for example, a user issues 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 the wallet with a loan, a page with more detailed information will open. A list of partners will be presented. You can choose onea company or submit applications to several microfinance organizations at once. In principle, MFIs are not overly demanding. The main condition that must be observed is age. A borrower who is thinking about how to borrow money from Qiwi must be at least 18 years old.
What you need to prepare for a loan
Microfinance organizations are attractive because they do not require income and employment certificates. 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 encouraged 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 issue funds on credit. You also need to have an e-mail to apply for a loan. Some services may require a bank card to link to your account.
Also, borrowers should take into account that microfinance organizations do not issue loans without identity verification. In "eKapust", for example, in the instructions on how to borrow from "Kiwi", it is said that it is necessary to provide via the Internet a photograph of the borrower with a passport in his hands and with a piece of paper with the name of the MFI written on it.
List of payment system partners
The list of Qiwi partners includes 13 online services:
- CreditPlus;
- JoyMoney;
- Vivus;
- GreenMoney;
- OneClickMoney;
- Fast Money;
- "eCabbage";
- "SMSFINANCE";
- Zimer;
- Lime-Loan;
- "WEBBANKER";
- "E LOAN";
- "Moneza".
Each microfinance organization has its own conditions - the minimum and maximum possible amounts, interest rate, etc. To familiarize yourself with the established conditions, you can click on the "Get a loan" button, which is located in the electronic wallet interface opposite each partner « Kiwi". After clicking, you will be redirected to the official website of the selected MFI.
Contact "Zimer"
Let's consider an example of how to borrow money in a Qiwi Wallet through the Zaimer online service. The official website of the microfinance organization works automatically around the clock on weekdays, weekends and holidays. The Borrower is not required to speak with MFI staff. You just need to fill out an application. After sending, it is subject to automatic verification. This procedure takes from 4 minutes. Upon approval, the amount is instantly transferred to the borrower.
Zimer allows customers to borrow money on Qiwi, as a rule, even with a negative credit history. If there have been past dues, the online service offers the borrower a program to correct a credit history.
Zimer has several requirements for a potential borrower:
- ages 18 to 75;
- holding a Russian passport;
- permanent registration in Russia;
- full capacity;
- the presence of a personalized plastic card with a mobile bank connected to it and with a positive balance;
- have a mobile phone.
Example of applying for a loan in "Zimer"
On the main page of the official service there is an online calculator that any potential borrower can use before borrowing from Qiwi. With the help of this tool, people applying for a loan will know the amount to be returned even before signing the contract. The term is not specified, but the service takes the maximum possible period for the calculation.
Zimer offers a Payday Loan to all new clients. His terms:
- minimum amount - 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. A page with fields to fill will open. In them, the potential borrower enters the last name, first name, patronymic, phone number and email address. Next, passport information is entered, the desired amount is indicated. After the 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 a 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. Moneycredited within 30 minutes. It is important to note that not every wallet can be specified in the Zaimer system. Only identified accounts are accepted (wallets with "Professional" status).
Recommendations for future borrowers
In microfinance organizations there is one condition according to which a loan can be obtained only if there is a job. However, in practice this condition is not always met. Cash is given even to the unemployed. For the first time, the company may issue a small amount to check the solvency of the client. After the borrower returns the money, the MFI begins to offer a larger amount.
People who are unemployed or earning too little money are happy that they can get loans to solve their financial problems and accept the offers of microfinance institutions. In such situations, however, you should 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 return it along with accrued interest. A borrower who defaults on his obligations risks losing a larger amount or his property. If loans are not repaid, microfinance organizations wind up large interest rates, fines for the initially issued amount, and sue the defaulter in court. In the end, everything ends with forced collection.
In conclusion, it is worth noting that you need to study the conditions of all partners of the payment system, beforehow to borrow a wallet in Qiwi. 1500 or 1000 rubles, for example, cannot be obtained on some sites. This is confirmed by the above conditions of "Zimer". This company has a slightly higher minimum amount.
