"Manimen": customer feedback on loans

Heavy crisis times led to the fact that a huge number of citizens of Russia spoiled their credit history. At the same time, the need for borrowing has not disappeared anywhere. Banks also refuse to issue loans to adverse borrowers.

Nevertheless, there is a way out - to turn to a microfinance organization. In such companies to get a loan much easier, they are more loyal to borrowers. In addition, they are ideal for those who urgently needed money, and no one can borrow.

This is exactly what the company "Manimen" is. Clients' feedback on it allows you to judge not only about popularity, but also about comfortable conditions for obtaining a loan.

Description of service

The company "Manimen" is an organization that is the leader in the market of microfinance loans. The recognizable symbol of the company is Superman. In the eyes immediately throws a memorable white-green color.

MFI works through the Internet, credit can be issued almost instantly. The choice of borrowers offers two possible options:

• Short-term to wages up to 20 thousand rubles;
• Long-term consumer loans up to 30 thousand.

The market for microloans "Manimen" does not last long. The company is organized in 2012. Nevertheless, the creditor has already achieved the recognition of rating agencies. Thus, according to Expert RA, this MFO is among the four leaders who issue short-term loans to paychecks.

The process of issuing a loan, its issuance and return is fully automated. As a result, customer service is almost instantaneous.

Advantages of borrowing in "Manimen"

Customers who make out a loan in the company "Manimen" note a large number of advantages compared to banks and other MFIs:

1. There is no need to visit the offices of credit institutions. You can apply for a loan without leaving your home using the lender's Internet portal.
2. Possibility of round-the-clock application. There is no need to wait until the weekend ends and the business hours come. If necessary, you can get money even at night and on holidays.
3. The loan is processed very quickly - within a quarter of an hour after the commencement of the procedure, the borrower is able to use the funds at his discretion.
4. A small number of necessary documents, there is no need to collect various references.
5. There is no need to provide bail and guarantors.
6. Lowered requirements for the borrower.
7. A large number of possible ways of obtaining a loan.

In addition, it is possible to select a suitable borrowing program from a large number of options. If for any reason the client does not manage to repay the loan in time, "Manimen" gives the clients the opportunity to extend its term. For regular customers, the company has provided a bonus program.

Requirements for borrowers

In "Manimen" loan can be issued already from 18 years. Many banks claim that they also provide this opportunity. In practice, in such organizations, there are a huge number of barriers that do not allow the issuance of credit to young people. Nevertheless, this category of citizens often has the opportunity to borrow small amounts for a short period of time. The maximum age of the borrower is 70 years. Therefore, even pensioners can get a loan in "Manimen".

In addition, there are other requirements for potential borrowers.

First of all, this concerns citizenship. The MFI under consideration does not grant loans to foreigners. Therefore, borrowers must be citizens of the Russian Federation, which is confirmed by the presence of their Russian passport.

In addition, money is not given to those who do not have a permanent residence permit on the territory of Russia.

It is also important to understand that in accordance with the legislation, only a capable person can receive a loan. Naturally, "Manimen" also adheres to this rule.

Terms of loan programs

A distinctive feature of the MFM "Manimen" is the availability of a large number of loan programs. At the same time, the main loan parameters vary in the following ranges:

• The amount of the loan is from 1.5 to 6 thousand rubles;
• Term - from five days to eighteen weeks;
• The interest rate is from 0.76 to 1.85 percent per day.

"Manimen" offers to issue a loan at several rates:

1. "Start" allows you to get up to eight thousand rubles at 1.4%. The loan period varies from 5 to 31 days.
2. The "Take-off" tariff provides for a loan of up to 15 thousand for the same period. The interest rate is 1.3.
3. "Pilotage" allows you to get a maximum of twenty thousand rubles for 5-31 days. The service will have to pay 1.3% per day.
4. "Turbo" - a loan that allows you to get up to thirty thousand at 1.2%. The loan period is 28-56 days.
5. In the tariff "Superturbo" the maximum amount is equal to thirty thousand rubles. The rate is 1.1%, the term is 56-112 days.

The first three tariffs provide for payment of debt at the end of the term, the rest - every two weeks.

How to apply?

In the presented microfinance organization, the loan is issued in several stages:

1. First of all, an application is made on the website of the company "Manimen". It is important to correctly and honestly make all the necessary data. If there are any mistakes in the questionnaire, the loan will be refused.
2. Enter the code received in the SMS message in the application window. Thus, the desire to issue a loan is confirmed.
3. The application submitted to the "Manimen" will be considered within a few minutes. A loan in case of obtaining a positive solution can be obtained by the chosen method.

For regular customers, there is an opportunity for faster loan processing. It is enough to send SMS with the amount and term of the loan. After confirming the desire to receive a loan through a message, its registration takes place.

Why can they refuse to issue a loan?

After submitting an application within one working day, a decision is made on the loan in the company "Manimen". Clients' feedback confirms that in most cases, the issuance of funds. However, there is a probability of denial of credit.

Most often it occurs for the following reasons:

• Indication of inaccurate data in the questionnaire;
• When drawing up the next loan, the debt to the MFI will be more than one million rubles;
• The potential borrower did not pass the scoring;
• The MFI believes that the applicant can not pay the loan;
• The credit history contains information on permanent long delinquencies;
• The client has a delay in favor of the company "Manimen".

In case of refusal on the sent application, the potential borrower will be able to re-apply for a loan not earlier than in a month.

Methods of obtaining a loan

More and more clients are trying to solve their problems with money, having issued a loan in the company "Manimen". Reviews at the same time confirm the convenience of receiving due to the many ways that you can take money.

All of them can be divided into several categories:

• In cash;
• To a bank card;
• To the bank account;
• Electronic money.

If you want to receive money issued by Moneymen in cash, you are invited to use the translations on the system "Golden Crown", UNISTREAM, CONTACT. Transfer of funds will occur within 10 minutes, and in order to receive funds, you will need to come to the nearest point of issue. You will need to show your passport.

When choosing how to receive a bank card, you will need to enter its details. An important condition is that it must necessarily be nominal, apply to Visa or MasterCard systems, maintain calculations on the Internet. After that, you need to confirm that the card belongs to you. To do this, the bank will block on it a small amount from one to ten rubles, which will come SMS. Next, on the loan registration page, enter the requested information. Money on the card will arrive almost instantly.

To transfer funds to an account with a bank, you need to know its details. The transfer of money will be made within 24 hours. They will arrive no later than 3 days later.

Electronic money loan "Manimen" can be obtained at the expense of "Yandex-money." After that, they can be spent or transferred to a card.

Loan repayment

Paying a loan is very simple. To do this, enter the personal cabinet located on the "Manimen" website. Login is by entering an email or phone number and password.

The frequency of making funds to pay off the loan debt depends on the chosen program:

• For short-term loans - at the end of the term;
• For loans that exceed 4 weeks, 1 time in 14 days.

You can take out a loan either in cash or in a non-cash way. You can use the following options to transfer funds:

• Bank card of Visa or MasterCard;
• Via MTS mobile phone;
• Electronic money through the wallet Qiwi, as well as "Eleksnet".

Cash payments for the repayment of a loan can be made through the transfer of "Contact". In addition, you can use the terminals of Qiwi systems, as well as "Eleksnet".

The loan can be made not only completely, but also partially. If you can not repay the loan on time, you can extend it. In this case, you have to pay an additional commission.

Borrowers with a bad credit history

Most MFIs easily issue loans to citizens who have a bad credit history. On the one hand, the same policy is followed by the "Manimen". The clients' reviews, however, allow one to judge that with a negative credit history, it is practically impossible to formalize a loan with this company.

The fact is that in "Manimen" there is a rule for checking borrowers in four BCHs. In the end, if the information received confirms the existence of a large number of long delinquencies, the loan will be refused.

In situations where the loan is still issued, information about the borrower will also be transferred to the credit history bureau. Therefore, there is an opportunity both to correct and finally ruin your reputation.

Many microfinance institutions offer clients programs to improve their credit history. In "Manimen" such an opportunity is not provided.

Bonus System

The MFI is trying to provide borrowers with maximum benefits and comfort. The feedback of the clients about "Manimen" is in large numbers devoted to the program of bonuses.

The essence of such a system is the ability to accumulate points that can be spent on the following services:

• Payment of interest;
• Extension of the term;
• Transition to a new, more profitable product.

Get bonuses is easy: for this it is enough to repay loans on time, invite a friend or leave a response about "Manimen".

Additional Features

"Manimen" provides its customers with additional opportunities. They not only increase the popularity of the company, but also make loan servicing more comfortable.

An important advantage for customers is the ability to repay the loan ahead of schedule. To do this, you need to enter your personal account, where you have all the information about the amount sufficient to pay off the debt.

"Manimen" regularly holds various competitions and actions. Prizes in them are money, as well as the opportunity to issue a loan without interest.

In severe financial situations, the company offers clients a refinancing program. Therefore, do not get lost and be silent. It is better to discuss the problem with an MFI employee who will help develop individual debt repayment terms.

Thus, for those who need money urgently, "Manimen" can be an excellent way to get out of a difficult situation. If you use this option wisely, take small amounts for a short time, then the percentages will not be too noticeable.