Webbanker: customer reviews

With an acute shortage of money, each of us faced. Someone, for example, needed finance to buy medicine, someone to buy a gift. In such situations, there is often no time to ring up relatives and friends to ask them if they could take the right amount. You can take the money in the microfinance organization "Webbanker", reviews about which leave a variety.

Acquaintance with the company

In 2012, the microfinance organization "Webbanker" entered the market for credit services. It operates through a specially created website. It presents all information about the organization, how to obtain a loan. Since the company works through an online service, you can distinguish the following advantages:

• Customers make loans and receive money any day and at any time;
• Users have the opportunity to know the amount of the return before submitting the application;
• For registration of a loan you need a passport, a nominal bank card, a phone number for receiving notifications;
• There are several ways to get money and return a loan, among which each user chooses the most suitable.

The company claims that all personal data after the filling of applications are transmitted through secure channels. Users can be sure that third parties will not use the transmitted information for personal fraudulent purposes.

Making a loan

You can proceed with the loan on the main page of the official website of the microfinance organization, as evidenced by the reviews of the MFO "Webbanker". Everything begins with the calculation of the total amount. The user marks the required amount of money, the term, indicates the number of loans taken in the company "Webbanker". After this, automatic calculation is made on the site and the amount of refund for a new or loyal customer is displayed.

The loan is issued in accordance with certain conditions:

• The allowable amount is from 1,000 to 15,000 rubles;
• The repayment period can be set from 5 to 30 days;
• For new customers, the interest rate is set at 1.9% per day;
• It is more profitable for regular customers to take loans, because for them the interest rate is 1.2-1.8% per day.

Consideration of an application

When you first contact a company, it takes time to review the application. The feedback on the loan in "Webbanker" indicates that the company can not report its decision within 30 minutes. If you need to receive any additional information about the person who has applied, the time for consideration of the application will be increased to 5 hours (other conditions apply to regular customers - a positive decision is made automatically). After receiving the necessary information, the company will report on a positive decision or refusal.

If a refusal is reported, then "Webbanker" does not give a reason. Employees only say that the company's decision is formed on the basis of various sources of information, and a re-application is considered only after 180 days. Additional information was not disclosed.

Example of loan

In order to understand the conditions for providing money in debt and make sure of the truthfulness of the feedback about MFO "Webbanker" LLC, which we consider below, let us consider an example. A person needs 8,000 rubles for 30 days. For new clients, the company provides such an amount, provided that at the end of the term they return 12,560 rubles. This is quite a large amount, so when you design it, you should think about whether it will be possible to repay the debt in a month. Reduce the amount repayable by reducing the loan period. If you select a period equal to 20 days, the amount returned will be equal to 11 040 rubles for new customers.

At constant users the total sums are less. For example, a client made loans in "Webbanker" 8 or more times. At registration of 8 000 rubles for 30 days it is required to return 10 880 rubles, and at registration for 20 days - 9 920 rubles.

Obtaining approved cash

The company provides several ways to issue approved amounts, which is confirmed by customer feedback on "Webbanker". So, money can be sent to a bank card. This is a very convenient way. The client after the receipt of money can pay for purchases using a card, withdraw the necessary amount from any ATM and spend it on his own needs. However, it is worth noting that the bank card is not always received instantly. Sometimes there are delays. They have nothing to do with the microfinance organization Webbanker. Delays are due to the working conditions of banks.

For people who make online purchases and pay for various services on the Internet, a convenient way to get a loan is to transfer money to the electronic wallet "Yandex.Money". The purse should be identified. Otherwise, the transfer will not be successful. For customers who do not have bank cards and electronic wallet, there is another way to receive money - in cash at any bank that supports the money transfer system CONTACT. You need to have a passport with you.

Loan extension

Very often, customers have financial difficulties that could not be foreseen. The company proposes to prevent the occurrence of delinquency in "Webbanker". In the reviews write about the availability of extension services. It can be used by all users of the Internet resource. Several conditions are defined for the service:

• The extension is possible from the 4th day of the active loan;
• The period of using the issued money can be increased by a maximum of 30 days;
• For each day of renewal it is required to pay 50 rubles and accrued interest;
• You can extend your loan indefinitely.

Positive opinions of customers

The microfinance organization has regular customers who leave positive feedback about "Webbanker". In them, users note that they actively use the services because of the mass of merits:

• Simplicity of issuing a loan (taking money in debt is less formalized than in any of the existing banks);
• Speed of filling in an application and its consideration;
• Accessibility (services can be used anywhere - at work, at home, on vacation).

To the disadvantages, customers attribute a high interest rate. Some people recommend contacting the bank. Reviews of "Webbanker" indicate that when you contact the company you have to overpay significantly. However, some banks deny users, and only "Webbanker" approves. Because of this, customers are grateful to the service for having helped them out in a difficult moment, gave money without having to provide any information and guarantors.

Positive feedback on "Webbanker" is still expressed about the availability of the partner program. It is created:

• For webmasters;
• Owners of partner and advertising networks;
• Online stores;
• Sites with paid services.

People wishing to participate in the partnership program fill out a special form on the company's website with the name, surname, patronymic, telephone number and e-mail address. On the basis of the contacts received, the employees of "Webbanker" contact potential partners and discuss all the issues. For the affiliate program is typical:

1. Quickly generated statistics. Advertising materials published in the framework of the partnership program attract Internet users. Many decide to issue a loan. Applications are considered very quickly, and statistics are automatically generated automatically.
2. High profitability. Attract an unlimited number of people on the company's website. For each new client, the partner is paid a reward.

Negative feedback about "Webbanker" from debtors and potential customers

Negative comments are left mostly by debtors. They do not like the way the company employees treat them. Debtors begin to call from the first day of delay. Calls come to work, to friends, that is, to all those phone numbers that were left by borrowers. When talking to a client, employees can be rude. They require the return of funds.

There are also testimonials from people who have not been approved for the loan. Such customers complain about the long consideration of the application. One person was dissatisfied with the spread of the data in the questionnaire. The microfinance organization refused to issue money, but at the same time handed over the client's contacts to others. The next day, he began receiving incomprehensible calls and messages from various microfinance organizations, which spoke of refusing an application that a person did not write.

Tips for users

If you registered a loan with a microfinance company, but for some reason you can not return it at the appointed time, contact the company's employees and report it. Often, clients meet, they provide several days for payment, during which they do not wind interest.

If there is a delay, pay attention to how the employees of the company treat you, whether they violate the law. Interaction with the debtor must occur on working days from 8 hours to 22 hours. On weekends and holidays, the company also has the right to call. The time allowed is 9 hours to 20 hours. Remember that the abuse of the right to recover, intentional damage to the borrower is unacceptable. With the complaint, you can contact the company or the prosecutor's office.

Online service in general is very convenient, as evidenced by feedback on "Webbanker". Here, not only is an application made. The site contains all the necessary information on obtaining and returning loans. If you have any questions, you can quickly contact support. Chat with specialists is available on the official website.