Krediska・Займы онлайн на карту
★ 4.7What it actually doesKrediska is a microloan organization offering fast online microloans to bank cards; operates 24/7, requires only an RF passport, approval in 10 minutes, but aggressively pushes additional paid services and has stability issues under high load.
Actually does
- ✓Микрозаймы на карту90% of reviews
- ✓Быстрое одобрение (10 минут)75% of reviews
- ✓Оформление без справок (только паспорт РФ)65% of reviews
- ✓Пролонгация и продление срока15% of reviews
- ✓No account required40% of reviews
Claimed, but not confirmed by reviews
- ⚠Одобрение даже с плохой кредитной историей
- ⚠Досрочное погашение без штрафов
- ⚠Первый кредит под 0%
- ⚠Сравнение предложений от МФО
- ⚠End-to-end encryption
Common complaints
- ✗Forced paid services, difficult to disable35% of mentions
«they push additional services that are impossible to disable, huge commission for card payments»
- ✗App instability (crashes, won't load, missing codes)15% of mentions
«once I took out a loan, the app and website stopped working, like they don't want me to pay it off early. I don't receive the SMS code to log into my account»
- ✗Misleading information about low interest rate and approval despite poor credit history10% of mentions
«there's no low interest rate of 36% per annum here... they lied in the reviews saying that even with a poor credit history you get approved, that's not true»
- ✗High interest rates (up to 36% per annum)10% of mentions
- ✗Application rejections8% of mentions
«they rejected me»
What people praise
- ★Fast money transfer to card (minutes after approval)
«fast money transfer and loan approval»
- ★Minimal documents required (passport only, doesn't ask for employer/contact information)
«they don't ask for a bunch of information – like where you work or someone's phone number from your contacts»
- ★Convenient and clear app (intuitive interface, no lag)
«Convenient app. No need to fill in a bunch of unnecessary information, everything is simple»
- ★Simple process without visiting office (everything online)
«easy to take a loan, everything is online, no documents required»
- ★Transparent conditions and treatment
«the loan terms are transparent and disbursement is fast»