До Зарплаты - Онлайн займы
★ 4.4What it actually doesA microloan app that approves loans between 1,000 and 100,000 rubles in 5-7 minutes and transfers funds to a card within 15-20 minutes, but charges hidden commissions and fees that can reach 30-40% of the loan amount and are not always clearly disclosed before confirmation.
Actually does
- ✓Онлайн-заявка на микрозайм95% of reviews
- ✓Быстрое одобрение (10 сек - 7 мин)90% of reviews
- ✓Мгновенный перевод на банковскую карту90% of reviews
- ✓Минимальные требования (паспорт, возраст 18+)85% of reviews
- ✓Полностью онлайн (без посещения офиса)50% of reviews
- ✓Высокая вероятность одобрения85% of reviews
- ✓Ad-free(bonus)75% of reviews
- ✓Offline-first(bonus)80% of reviews
- ✓Скрытые комиссии и услуги (в описании обещают без комиссии, в реальности вычитают 30-40%)(bonus)35% of reviews
Claimed, but not confirmed by reviews
- ⚠Гибкие сроки займа (61-180 дней)
- ⚠Первый займ под 0% (тариф 'Кредит доверия')
- ⚠Опция 'Комфортный платёж' (пролонгация)
Common complaints
- ✗Hidden fees deducted from loan amount (30-40%), customer receives significantly less than promised30% of mentions
«You take 20k, it arrives as 12, they say 'we connected some package'. Got a loan for 3550, I received 2000 because 1550 was some service fee»
- ✗Additional services automatically enabled (insurance, service fees) without explicit consent25% of mentions
«They promise there are no hidden conditions and insurance, but they immediately deduct ~30-40% from the borrowed amount for some loan servicing fee»
- ✗Total amount to repay significantly exceeds loan size (2 times or more)20% of mentions
«I took 12000, and paid back 24400»
- ✗Customer support does not respond to requests, impossible to get in touch10% of mentions
«Support doesn't work, can't reach them. You call the hotline and they just don't answer anything»
- ✗App doesn't open or freezes on startup (gray screen)8% of mentions
«App doesn't load when I open it, just a gray background and nothing else»
What people praise
- ★Very fast money transfer to card (15-20 minutes)
«Money arrives to the card quickly, in about 15 minutes»
- ★Only passport required, no income documentation
«Only a passport is needed for approval»
- ★App works stably, doesn't lag or freeze
«App works properly, doesn't freeze»
- ★Loan requests almost never get rejected
«Never been rejected for a loan, they approve the amount I need every time»
- ★No commission fee when repaying the loan
«No commission on loan repayment»