MFO "Credit Plus": reviews. Express loans. Online loan application

Very often people who find themselves in a difficult financial situation are turned away by relatives, friends, acquaintances. Trying to find a solution, those who need money turn to different banks, microfinance organizations. Some people among the huge number of offers in the credit market are turning their attention to "Credit Plus". What kind of company is this? On what terms does it lend money? What are the reviews about Credit Plus? All this we will consider.

About the service "Credit Plus"

"Credit Plus" is an online service. It is quite young and modern. People are offered quick registration of loans, receiving money in the most convenient way. When registering on the site, a personal account is created. Through it you can make the necessary actions at any convenient time without contacting employees. In the personal account, each client is given the opportunity to extend the current loan, issue a new one on the most appropriate terms, and spend the accumulated Cashback bonuses.

Service "Credit Plus" belongs to a limited liability company, microfinance organization "Ecofinance". She issues loans only to capable citizens who have a permanent source of income. To apply online for a loan, only a passport is required. It is worth noting that, according to the available conditions, not all people can take a loan. The company has an age limit. You can apply for the first time at the age of 22 years.

Company advantages

The company "Ecofinance" declares that its online service "Credit Plus" has several advantages:

1. He is the responsible direct creditor. About the data you specify, you do not have to worry. All personal information is transmitted through a secure channel.
2. With the employees of the service all communication is carried out through telephone calls, e-mail and SMS-messages. Personal meetings are not required, so you can arrange a loan in CreditPlus at home, at work, and in any other place.
3. Loans in the service "Credit Plus" - it's also profitable. First, with a successful return, the client improves the credit history. Secondly, each subsequent loan becomes cheaper, as the interest rate is reduced. Thirdly, with a timely return of cash, Cashback is credited to 10% of the loan amount.

Proposed Products

To its current and potential clients, the online service "Credit Plus" offers 2 types of express loans:

1. "MicroCredit". Customers who choose this product, the company provides from 1 thousand to 30 thousand rubles. Loan term is determined by the borrower independently, but it can not be less than 5 days and more than 30 days.
2. "Minicredit". In accordance with the terms of this product, the customer can receive from 15 thousand to 50 thousand rubles. Loan term can be long - from 10 to 24 weeks.

At the first appeal, as a rule, a person can not take a loan for a large sum. This is due to the fact that the company has established customer levels: novice, expert, partner and VIP. Beginners are those customers who first turn to the company. They are available only up to 15 thousand rubles. Experts are referred to clients who returned from 2 to 4 loans. The maximum possible amount is 20 thousand rubles. In addition to the increased amount, experts are also offered the opportunity to make loans using SMS-messages. Partners are clients who returned from 5 to 10 loans, and the VIP group includes people who have used the service more than 10 times. For partners and for VIP-clients, the amount of express loans increases significantly.

Making a loan

Customers who apply for the first time to receive funds must fill out an application. It is presented on the main page of the company's website. Filling the application consists of 4 stages:

1. At the initial stage in the form, the client indicates his contact details - name, first name, patronymic, gender, date of birth, e-mail address, telephone number. After the transition to the next stage, the potential borrower is sent a confirmation code to the phone number.
2. After specifying the code on the page, the passport data - birth place, document number, information about when it was issued and by whom, are entered in the appropriate fields.
3. On the following pages, additional information about the borrower is indicated and the completed online application for the loan is confirmed by the client.

Decision-making

An application for a loan can be sent at any time. The solution comes very quickly - within 1 minute. The company often responds positively to the applications sent, but sometimes it has to be refused. Negative decision is received only by those clients who indicated inaccurate information about themselves, concealed information about available and unreturned loans.

Positive solutions online service takes into account one basic criterion. For Kredit Plus, they have a positive motivation for the borrower to return the money that he plans to borrow.

Information on the interest rate and methods of issuance

On the product "MicroCredit" the interest rate is set in the range from 620,500% to 784,750% per annum. For "MiniCredit" a lower interest rate was set - from 283.693% to 320.737%. At the first loan a high interest rate is established. It decreases for those customers who return money on time and re-apply to the company through the online service "Credit Plus".

The approved loan to "Credit Plus" can be listed in several ways:

• Through payment system CONTACT or "LEADER";
• On the bank card indicated by the borrower;
• To the bank account at the bank details specified by the client.

Loan repayment and extension

With the "MicroCredit" product, the debt is repaid by a one-time payment within a specified period. With "MiniCredit" a longer loan term is set, so its return is carried out in a slightly different way. Equal payments are required every 14 days.

If it is not possible to make repayment on time, then you can use the service "Loan extension" in "Credit Plus". You can activate it in your account. The company has set the maximum permissible extension period. It is equal to 15 days. It is also worth noting that the extension is not a free service. It requires a small fee.

For the customers, the company created a service called "Auto-renewal". It is designed for people who find themselves in a difficult financial situation and unable to repay their debts on time. With auto-renewal, the loan term is increased by 10 days. The renewal fee is included in the cost of debt.

About Cashback

As evidenced by the reviews, "Credit Plus" offers its customers Cashback, but not all people know what it is. This foreign word denotes a monetary bonus. In the service "Credit Plus" it is set as a percentage of the amount of debt. For example, a loan is 5 thousand rubles. The monetary bonus is set at 5% (this figure is not exact, some borrowers have more). With timely handling, the customer will be paid 250 rubles.

Accrued bonuses can be used as follows:

• Pay next loan;
• Extend the term of the loan;
• Transfer to your account or through a money transfer system.

Positive feedback from borrowers

About the online service "Credit Plus" reviews some customers leave positive. Borrowers say that their opinion is due to the existing advantages of the company:

• It takes about 10 minutes to complete the application on the site;
• For all the questions that arise, you can find answers (they are located in a special section of the site);
• If necessary, you can contact the service staff (via a special form on the site or by calling the support service for a toll-free number);
• All operators are real experts - they know about all the nuances of issuing loans, can answer any question, correctly and politely explain any incomprehensible information;
• The application is considered very quickly, it will not take several hours or days to wait for the decision, as it happens in other microfinance organizations and banks;
• Money resources when making a positive decision on the application are sent to the client instantly, and delays in crediting are not due to the fault of the company (the bank account receives money in accordance with the bank's terms and conditions).

Negative responses of borrowers about "Credit Plus"

You can find negative feedback about the company. For example, one of the clients described the following situation. A person through the service "Credit Plus" issued a loan of 15 thousand rubles. Due to the emergence of complex financial difficulties, it was not possible to pay on time. After a while, phone calls began to arrive at the number indicated in the questionnaire with threats. An unfamiliar person, who did not show up, said that the visiting group would come to describe the property. After some time in a social network, someone began to send photos of the borrower and his family members with insulting inscriptions. It was decided to appeal to the prosecutor's office to stop the lawlessness, which, according to the borrower, was arranged by an organization that owns an online service.

Another client in one of the negative comments about "Credit Plus" complained about the company's employees. They, in his opinion, did not specifically tell important information, with the view that the borrower's debt increased. The essence of the situation was as follows. The person missed payment for 1 day and called the company to find out what to do in this situation. The employee replied that there is nothing wrong with that and you can pay the loan now. Acceptance of funds from bank cards did not work, and the client again called the company. He was told that it would be possible to deposit money later. However, after a while, a message of late payment arrived. The employees of the company did not see their guilt in this.

Some people still say that the MFO "Credit Plus" company works disgustingly, and all the available positive reviews are written to order and do not correspond to reality. It is impossible to know whether this is true or not. Before making an application it is worthwhile looking for those people (among their friends, friends or colleagues) who used the service and can tell a lot about it.