Займы Онлайн. Доброзайм – Займ
★ 4.8What it actually doesMicrofinance app for online microloans up to 100,000 rubles issued to a card. In practice, it functions as a fast lending system with high hidden commissions and insurance, complicated procedures for declining additional services, aggressive collection practices, and profitability for the lender but losses for the borrower.
Actually does
- ✓P2P payments100% of reviews
- ✓Payment Tracking20% of reviews
- ✓Recurring payments15% of reviews
- ✓Обязательная страховка (невозвратная онлайн)(bonus)50% of reviews
- ✓Скрытые комиссии и накрученные проценты(bonus)85% of reviews
- ✓Агрессивная коллекторская деятельность(bonus)40% of reviews
- ✓Штраф при досрочном погашении (полная переплата)(bonus)35% of reviews
- ✓Freemium10% of reviews
Claimed, but not confirmed by reviews
- ⚠Customer Support
Common complaints
- ✗Debt amount increases 2-3 times due to hidden fees70% of mentions
«I took out a loan for 100k, they took 13k supposedly for insurance but won't return it!!! I closed the loan early and they're not returning my 13k»
- ✗Mandatory insurance that cannot be disabled online50% of mentions
«they always push insurance on you, and you can't turn it off even through support. That's why you end up overpaying every time»
- ✗Debt collectors call relatives, hack social networks, are rude20% of mentions
«They passed my data to debt collectors who tried to hack all my accounts using my phone number, including banks, and called all my relatives and were rude»
- ✗Early repayment requires paying all interest until maturity25% of mentions
«if you want to repay the loan early, you'll pay the full amount until the end of the term with accrued interest»
- ✗Rude communication from support operators15% of mentions
«I explained my situation to the operator, and she answered me in a rude tone, saying pay today and I don't care about any life circumstances»
What people praise
- ★Fast approval and payout
«fast payout»
- ★Simple application process (5 minutes, 3 clicks)
- ★Loan without collateral and guarantor