Company "Zaimer": customer references, complaints and types of microloans

The development of the online sphere has made many processes in our life much more convenient. It concerns communication, entertainment, information transfer, data. Even the registration of loans today can be conducted on the Internet. Do not know how? Service "Seymour", the reviews of which we will publish in this article, is engaged in the issue of loans online! In its way, this is a unique project that substantially simplifies the life of many borrowers. On how it works, read on.

About the service

The principle of the "Seymour" is extremely simple. A project has been created on the basis of a website, where the customer has the opportunity to order a microloan for himself. He simply chooses the loan amount, its term, and then applies. In it, of course, the client is obliged to inform the company of their data (passport, and also confirm the phone number) in order to be able to identify it.

In automatic mode, the site evaluates a person as a potential borrower and, in the end, determines whether it is possible to grant him a given loan or not.

Reviews of "Zaimer.ru" indicate that the company approves most of the applications for a loan, so every client has a great chance to get their money for the purposes that interest him.

A large number of ways to withdraw funds, a constantly growing credit limit, complete automation of the process - these are just the main of the most obvious pluses of the service. Read more about this in more detail.

Benefits

This type of work has a lot of advantages, which is why so many people use it. In particular, the first is accessibility. As already mentioned, the "Zaimer" (the reviews confirm this) approves the majority of applications submitted for the loan. In numerical terms, this figure is approximately 90% of the loans issued, and only 10% - in the refused. Agree, this is a fairly high ratio, even for a microfinance organization. This simplicity in obtaining a loan allows you to use the service, say, in those situations when there is a need for urgent attraction of money from outside. Say, you need to pay an urgent trip to the dentist, make an unplanned purchase, pay back the debt and so on. The second thing to note about this is the opportunity to correct your credit history.

The customer testimonials about the company "Zaimer" testify that it allows you to get a loan even for those who have some problems with their previous creditors. In particular, it's enough to take three small loans here to get a positive mark in your history and use loans later on.

Receiving funds

Another advantage of the "Seymer" service (reviews appeal to it not least) is the opportunity to receive money in the shortest possible time in any accessible form via the Internet. And this, as you know, removes any restrictions on what time of day and where the funds will be issued. Even at night everyone has the opportunity to get his loan.

In particular, the client himself chooses how he will receive funds. In the list of listed on the site "Seymour" (reviews about which we are primarily interested) there are methods of obtaining funds, such as transfer to a Visa / MasterCard, withdrawal to a purse "Yandex.Money", to a bank account, as well as payment in cash Through the "Contact" system. As you can see, these options should be enough for any operation.

Repayment of a credit

In addition to the variety of ways to receive funds, customer testimonials from the company "Zaimer" testify that there are also many options for making money when repaying a debt. If you believe the information on the official website, there are even more than options for receiving funds, because here you have added payment through terminals and with the help of Qiwi system, as well as with Webmoney, which makes work with the company more convenient.

Interest for working with the loan is calculated on a daily basis, depending on how many days you use the loan. As shown by the reviews devoted to OOO "Zaimer", the company allows the possibility of early repayment of the debt. Therefore, it will be even better for you: if, for example, you made an urgent purchase and soon received a salary, it means that it is more profitable for you to repay the debt ahead of schedule and thus lower the total cost of the loan.

Application Procedure

If you are interested in the service and would like to make a loan here, it is quite easy. First you need to go to the official website "Seymour". Reviews about "Seymour", which we managed to find, show that further work with the resource is very simple and understandable. On the left you will see a slider with which you need to determine how much money you would like to receive. Next, you need to select the timeframe for which you need money, and click the submit button.

The next step is to fill in the passport data (so that the system can analyze you as a potential borrower), and then - and confirmation of your phone number via SMS.

The last action, by the way, has a double nature: first, with its help the user identifies himself through a binding to the number; And secondly, the introduction of the code that came in the message on the site will mean an agreement with the conditions for obtaining a loan and a formal "signing" of the contract by the borrower. About this, incidentally, there is information on the resource, so the company will regard this action (legally) just like that.

Next steps

After you have received the message and have done everything that is required of you, an SMS alert will come, which will say whether you received a loan or not. This is the decision of the company, which is final.

Although on the service description page it is said that 90% of applications are approved, in fact there are also dedicated "Zaimer" complaints-complaints. The types of microloans that those people took that complain about the refusal, of course, do not indicate. It may be that a person with a zero reputation (who, according to the conditions, can issue no more than 5,000) has applied for the issue of 15,000 rubles, which is why he was not lucky. There are a lot of such situations: those who have a damaged credit history will not be given out more than 1000 (if the customer was not served in this office).

True, if the loan is approved, and everything is fine with you, you can receive funds and dispose of them in the future as you please. The important thing is that when choosing non-cash (or electronic) forms of withdrawal of funds, you can be sure that you will receive money literally in a matter of seconds. This, in turn, opens up wide opportunities for you as for the borrower: you can pay by card in the store, and you can get everything in cash. This is the main charm of the company "Seymour". Reviews, at least on this make a special emphasis.

Credit history

Another important nuance, worth paying attention to it, is your story as a borrower. If you have already taken a loan, you should know that there is a special register, in which all information about you is entered as a person who owes money to a banking institution. This is a real database accessible to all banks; And it is conducted by different companies. It is called the "Bureau of Credit Histories."

The essence of this category is that if you have committed a loan delay or, say, you have not been able to pay off your debts, your reputation to other banks is deteriorating automatically. That is, you do not have to count on getting a loan again. This is the main problem of people who had some kind of disruption when working with banks.

But the "Zaimer" service helps such clients, allowing to correct their credit history. For this, even a whole program is developed, which starts with a 1000-ruble loan. So, if the client returns these funds (the minimum processing time is 5 days), then the next step is to offer him a doubling of the credit limit (and its growth to 2 thousand). Again, returning money this time, the client from the company gets an opportunity to take another 3000 rubles. Only after that the borrower gets an opportunity to issue a loan of up to 15 thousand rubles.

Conditions

Interestingly, the website of the company describes the advantages of working with the "Seimer" rather broadly, the specifics of the procedure for obtaining and repaying the loan, but there is little information about the terms (specifically) of the loan. Analyzing the reviews describing from the "loan" loan, you can come to the following conclusion: the loan amount here, as already noted, starts from 1000 and ends with 15 thousand rubles; The crediting period can be at least 5 and a maximum of 30 days. As for the interest rate, for new customers it is determined at the level of 2.34% (per day), whereas proven users have the opportunity to take a loan (at best) under 0.95% (for a day using borrowed funds).

The conditions on which "Zaimer" works, as we see, differ little from the fact that other microfinance organizations offer their clients . More clearly it becomes when you open the catalog of such companies and see all the generalized information on this matter.

Reviews

Regarding what people write about the company, everything is clear enough. Mostly, one can find complaints about high interest rates from those who took a loan in the company "Zaymer" (Zaymer). Customers' reviews, which were less fortunate for the reason that they were not given a loan, describe the office on the negative side, noting the opaque conditions of selection and absence of explanations why their questionnaire was not chosen as a borrower.

conclusions

Yes, the company does work with overvalued interest rates, but it specializes in microloans. As for the comfort and ability to get money quickly and in a convenient form, the "Seymer" is doing everything right with it - the system works efficiently and thoughtfully, which can only please the customers.

So if you need money urgently, feel free to contact this organization - most likely, they will help you here!