Умный займ: деньги на карту
★ 3.9What it actually doesAn aggregator app for obtaining microloans online with fast approval and card disbursement; first loan is often issued at 0%, but may frequently decline applications and improperly charge fees.
Actually does
- ✓P2P payments85% of reviews
- ✓Первый займ без процентов (0%)(bonus)40% of reviews
- ✓Продление/рефинансирование займа20% of reviews
- ✓Личный кабинет с управлением займами25% of reviews
- ✓Агрегатор предложений от разных МФО(bonus)15% of reviews
- ✓Минимум документов (паспорт + карта)30% of reviews
- ✓Instant Approval80% of reviews
Claimed, but not confirmed by reviews
- ⚠Доступность 24/7
Common complaints
- ✗Unauthorized card charges before application review15% of mentions
«I linked a card to the loan, they charged 1 ruble, the loan didn't get approved in the end, and they also charged 3,500 from my card»
- ✗High rejection rate for loan approval20% of mentions
«It's called smart loan but it's not smart at all, they didn't approve it, same old story»
- ✗False marketing information and promises12% of mentions
«installment card for installing the app, the developers LIE like they breathe»
- ✗Very high interest rates (up to 205% per year)8% of mentions
«borrowed 3,000, ended up owing 45,000»
- ✗Technical issues (confirmation code not received, payment problems)10% of mentions
«can't see where to pay, waiting for SMS maybe it'll come»
What people praise
- ★Fast approval and money receipt (10-20 minutes)
«money was in my account in 17 minutes»
- ★First loan at 0% with no extra charges
«First loan is approved with no interest for 30 days»
- ★Simple and convenient interface, minimal steps
«Very convenient app, everything is made simply and clearly»
- ★No paperwork or office queues
«No queues, no paperwork, no guarantors—just a passport and a card»
- ★Convenient personal account with debt and payment schedule information
«Personal account is a real godsend—convenient and well-thought-out»