A few years ago, when lending onlywas introduced into our lives, borrowing money was considered a "status deed". A little later the number of users of loans increased. Such people were treated as advanced citizens. Now the situation has changed dramatically. Making a loan or loan has become a routine activity. The number of people using credit services has increased, the number of companies and banks issuing money in debt has increased. One of the existing microfinance organizations is the limited liability company Credit 911. Reviews about this company should be considered.
General information about the organization
Several years in the market of credit services worksthe company "Credit 911". A long period of existence proves that these are not scammers, but rather a serious microfinance organization. The company's offices were opened in Moscow, St. Petersburg, Bratsk. Residents of other cities of Russia can also use the services of the organization. If the decision is positive, you will need to come to one of the offices in order to sign the contract and receive money.
Soon the inhabitants of other cities will become much easieruse loans. In the reviews of the "Credit 911" customers write that the company plans to start transferring money to bank cards and through payment systems. To receive money, you only need to issue an online application on the site and indicate a suitable way to withdraw funds.
Interesting facts about the company
The company has gone a short way in its development.This is a young microfinance organization. However, employees state that its history began already a century and a half ago. At that time in St. Petersburg lived a well-known interest-holder. She lent money to many people, bailed various things, gold products. An interesting fact is that Praskovia Leontievna (the so-called interest-holder) had family ties with the company's CEO. She is her great-grandson.
Another interesting fact is thatthe company for a short time of existence was able to win people's trust. At the moment, there are more than 50,000 regular customers. It is also worth noting that "Credit 911" is one of the leaders in the market of microfinance organizations. The company received the Golden Ruble 2 times. It's a pretty prestigious prize. For the first time, "Credit 911" won in the nomination "Innovative Product", and the second time in the nomination "Information Openness".
Issuance of standard loans
One of the company's services is the issuance of standardloans. Individual conditions are determined for each person. This is confirmed by the testimonials about the "Credit 911". New customers are given small amounts of money. After the return of money in time, the trust of the company increases. At the next appeal, the maximum allowable loan amount for the client is increased.
In general, the following conditions apply:
- the loan amount can be from 5 thousand rubles to 100 thousand rubles;
- the allowed loan period is from 1 week to 52 weeks;
- the interest rate is determined for each specific case.
Variety of tariffs
For standard loans, there are 2 tariffs.One of them is called "Until payday". This tariff is suitable for people who did not have enough money to pay wages or the need to receive an additional small amount for different purposes (for example, a small gift to a relative or friend). Under the tariff "Before pay", money is provided in the amount of 5 to 100 thousand for a period of 1 to 4 weeks. Debt is paid at the end of the term. Loan extension is allowed.
Another tariff is called "People's".Its conditions are suitable for those people who need a loan for a long period - for a period of 8 to 24 weeks. A schedule is drawn up for repayment. According to him, payments need to be paid every 2 weeks. Their size depends on the loan amount. To select suitable conditions, it is recommended to use the online calculator. It is made for users and is on the main page of the official site of the company "Credit 911".
Issue of loans on bail
Very often the desires of clients do not coincide withconditions offered by "Credit 911" - people want to get a large amount, but the company can not provide it because of a lack of trust at the proper level. To increase your chances of obtaining a large amount of money, clients are advised to choose loans with collateral when applying.
With each person, company employees discussconditions of issue of money. Reviews of the "Credit 911" contain information that bail can be taken car, apartment, house, other movable and immovable property. The desired amount is given on hand or transferred to a bank card. The interest rate, as a rule, is about 17% per annum. After the repayment of the debt, the property is returned to the client.
Arranging and receiving a loan
You can make a loan on the official website of the company. The process consists of several stages:
- On the main page of the site specify the required amount, loan term, get acquainted with the total amount or payments that will need to be returned. After that go to the application form.
- The application shall indicate the last name, first name, patronymic of the client, date and place of birth, telephone number. If desired, the previous name and e-mail address are entered in the additional fields.
- At the next stage of filling in the application all passport data are indicated. In addition, if you wish, you can write about your place of work, the location of your organization, your work phone.
- The last stage is the choice of how to receive money.In reviews about the company "Credit 911" customers indicate that residents of Moscow, St. Petersburg and Bratsk can take a loan in cash in the offices located in these cities.
Customer Issues
People wishing to use the servicesmicrofinance organization, often ask a wide variety of questions. Let's get acquainted with them, because the answers will be useful to all potential customers. Many people ask why the company sets a relatively high interest rate and thus profit from applying for financial assistance. Employees of Credit 911 respond that a high interest rate is necessary to cover financial risks. On the clients the company does not cash in. People before the application for a loan can see how much they will need to pay. There are no additional hidden fees if the obligations are met on time.
Многие также задают вопросы о том, с какими people work for the company, whether the credit history plays an important role. "Credit 911" provides financial assistance to many people. Even those who have a bad credit history and outstanding loans in other microfinance institutions and banks receive a positive decision.
The company is loyal to its customers, butstill not always people get positive decisions on applications. Applications are considered an automated system, and in some cases it makes a rejection. Occurs in the following cases:
- if there is any doubt that the borrower will be able to repay the loan in the future;
- in the application the client indicates inaccurate or erroneous information, hides the number of loans taken, their amounts.
Positive feedback from customers
Positive feedback about the company "Credit 911"are infrequent. Clients who leave them, write about the high chance of approval of the application. They believe that the probability of approval is 90% of 100. The merits of the company still include:
- quick examination of the application;
- loyal attitude to all clients and cooperation with those people who have a negative credit history.
Финансовая помощь оказывается многим людям, therefore, “Credit 911” is an excellent way out of a difficult financial situation. It is much easier to get a loan here than a bank loan. For registration you need only a passport. No formal work required. Even unemployed citizens apply to the company, and many of them receive a positive decision on applications sent.
Negative feedback on the MFI "Credit 911"
Very much on the Internet left negativecomments on the work of the microfinance organization "Credit 911". People complain about the lies of the company. Some clients, for example, found themselves in the following situation. They made out an application on the site for a fairly large amount. A few minutes later they received a message on the phone about the positive decision taken. After coming to the company and filling in the necessary papers, the employee of Credit 911 reported that it is possible to file a much smaller amount.
Negative comments are still related to thoseactions that are taken by the company "Credit 911" against people who are overdue for payment. Reviews of debtors indicate that customers are rude, threatened. Wicked words can be spoken to them. People also get bored with constant night calls.
"Credit 911": feedback from employees
People turn to microfinance organizationsonly about obtaining loans, but also about employment. The management team of the company invites people to work in a friendly team. All employees, according to managers, are true experts in their field, have a higher education. Personnel recruitment staff competently approach the issue of personnel selection, and people working with clients show professionalism, goodwill and openness towards those who seek financial help.
But people who have previously worked here ortried to find a job here, leave negative reviews about "Loan 911". They say that recruiters do not respond to resumes sent. There were such cases when the staff of the company “Credit 911” called back as much as several months after applying for employment and offered completely different vacancies.
Former employees also write negative reviews.character They point to the presence of drinking people in the team, practiced "kidalovo for money." Stateless persons are not paid salary. Leaving workers are given only salary. Employee feedback on Credit 911 LLC indicates that deserved bonuses and premiums are sometimes not paid.
Taking a loan in “Credit 911” is a very crucial step. Before you commit it, it is very good to think about whether it will be possible to return the debt later. About this warn and aboutreviews of the company "Credit 911". Delays are undesirable, because in such cases the amount is greatly increased, and it becomes more and more difficult to pay it.
