The microfinance payments market does not stand still.More recently, a novelty for all was the opportunity to receive funds in debt under a simplified procedure - without a thorough check of the borrower's income, his credit history and property. We are talking about the so-called “payday loans”, when a person takes a small amount for small household expenses until he receives the next s / n. After this, the loan is returned, the debt (including interest) is repaid, and the borrower is increased the credit limit to be able to apply for a loan yet.
SMS credits
Совершенно новой системой оформления кредита can be called SMS application. This innovation practices "SMS-finance". Reviews show that with the help of a message sent from a mobile that will contain your passport data and loan information, everyone can get a loan for the purposes he needs.
This gives immediately a lot of advantages.First, the whole process of obtaining a loan is simplified because the client does not need to defend the queues in the organization’s branches, wait for the call from the lender and worry about whether they will approve his application or not. Without being distracted by other things at all, everyone can send a message from their mobile and receive a response from an employee of the company within a few minutes.
Secondly, this form of communication is mucheasier than long calls or live conversations with consultants. All that you may be interested in a loan is on the company's website, you can read it in a few minutes. Sending SMS, you submit your profile, thus making it clear that you want to issue a loan. In addition, you will not be asked to contact information, because the message will contain all the necessary information.
Agree, this model has certain advantages over traditional forms of loan processing.
SMS Finance Company
As mentioned above, the typical representativeThe market, which is engaged in receiving applications for a loan via SMS, is “SMS-finance”. Reviews that we studied during the preparation of the writing of the article, let us know what it is in practice.
So, this is a service that helps peoplethe shortest time to get the amount of credit up to 30 thousand rubles. The application, as you already know, passes through SMS, with the recall of an employee of the company arriving on the phone to the client after an average of 7 minutes. The advantages of the company are flexibility and, at the same time, simplicity of conditions.
For example, the borrower is given the opportunity to defer payment for 21 days in the event that he is unable to repay the debt on time. It is enough to pay interest on the loan.
As for the methods of obtaining a loan, as well as itsreturn, then in this regard, the bank "SMS-Finance" is quite flexible. The client can return funds in the QIWI system, as well as using CONTACT or through a bank (by simple transfer). In turn, you can get money in one of these ways.
Scheme of work
You have already understood that to work with the companyYou must send an SMS message with your data. However, let's clarify the situation a bit: you write the data in the application that you leave on the company's website. In it you enter the name, phone number and scan document. When she arrives at the company's employees, they will decide in a few minutes whether it is possible to issue a loan or not. Upon the occurrence of this time period, you will receive a response in an SMS message.
Then the word is yours:Do you want to issue this loan or not. If you are interested and would like to receive funds, you need to send a message to the number +7 (913) 913-50-20, which will contain ZAEM 10000 XXXX. Where 10,000 - respectively, the amount of money you want to get; and ХХХХ - the password from the entrance to your personal account. In it, by the way, you will be able to set up a way to receive funds and manage a loan.
Conditions
There are two limitations on the amounts and terms,dictated by SMS-Finance. The loan may be taken in the amount of from 1 to 15 thousand rubles for a period of 21 days and from 16 to 30 thousand for 9 months. Accordingly, for these two tariffs you get completely different interest rates.
On the first, making out 1000 rubles, you get 1.74%per day, and this rate drops to 0.90% per day for 15 thousand loans. Then the second tariff is switched, and you have to pay 0.5% per day of using the funds from 15,100 to 30,000 rubles.
You can extend the loan for up to 21 days in thatIf you have managed to pay off the interest. As the customer reviews available about SMS-Finance show, the company is quite flexible when dealing with borrowers, so it can agree to some simplifications that are beneficial to the client.
Offers
For bringing your friend whowill use the services, accrued bonuses "SMS-Finance". Reviews show that for one guest pay 300 rubles. They will be displayed in the personal account in the event that the user activates a credit, and this happens, of course, at your recommendation.
You can spend the money received to pay the debt on your own loan. In order to participate in the bonus program, the application "SMS-Finance" is not filed.
Credit refusal
After you fill out a special form onThe company's website, employees, as already mentioned above, consider your candidacy as a potential borrower. Of course, there are situations when at this stage a person is refused. Many are interested in what could be the cause of it and how not to get it next time.
So, the most common reasons whenthe client receives a refusal from SMS-finance (reviews and information on the company's website confirm this), are the damaged credit history of the client, active debts on another loan and attempted fraudulent activities. With the first two points, everything is very simple: if you have a debt in the company, you will not be given a loan again. As for bad credit history, it is checked by forming an appeal to a special bureau. From there, they send information about what kind of loans the person made out, how regularly he paid them, and so on.
As for fraud, we are talking about attempts to get a loan and escape from the company, somehow falsify documents, and so on.
If the user receives a refusal, he cannot use the system’s services for the next 4 months.
Borrower reviews
After reading the reviews of those who have already managed to get a loanin this company, you can understand that the organization works transparently and conscientiously. No reports that someone was deceived, was found. Apparently, the SMS-Finance company provides high-quality services. Loan (reviews confirm this) here to take quite easily. The ratio of refusals to approved applications is small.
Что касается формы сотрудничества с организацией in general, positive reviews go about it. The thing is that communication with the bank via SMS really delivers less trouble to the borrower. Let us add to this the possibility of extending the period of debt repayment, as well as certain situations when the company’s representatives meet the client’s needs, and we get a really cool service that we want to contact again.
If not to pay?
Finally, answer the question what will happen if notto pay. As the reviews of defaulters show about SMS-Finance, nothing will happen. People wrote their stories in the comments when they were unable to repay the loan, and the company's employees simply insisted on returning and threatened to go to court. Of course, during the time of non-payment, large sums of fines, interest and penalties begin to accrue on the client’s debts. Therefore, in the end, you will have to return the money several times more than the original loan. At the same time, your credit history will be corrupted.
After the debt becomes large enoughthe company will really go to court. Given the availability of your passport data, as well as an electronic application for a request to receive a loan, representatives of SMS-Finance have something to present in defense of their interests.
Therefore, it is highly recommended not to do so.
