Займ - Zaim 365
★ 4.3AndroidRuStore
What it actually doesApp for quick online loans to a card via MFO with minimal documents and approval in 15-30 minutes. Allows submitting an application to multiple MFOs and selecting favorable terms for amounts from several thousand to millions of rubles for periods from 1 to 365 days.
85%Marketing ≈ reality95%Stability52%Live project
Actually does
- ✓Быстрый онлайн-займ100% of reviews
- ✓Агрегация заявок в несколько МФО15% of reviews
- ✓Моментальное зачисление на карту100% of reviews
- ✓Минимум документов (паспорт + телефон)90% of reviews
- ✓Личный кабинет для управления займами15% of reviews
- ✓Customer Support15% of reviews
- ✓Прозрачные условия без скрытых комиссий45% of reviews
- ✓Возможность досрочного погашения25% of reviews
- ✓Offline-first70% of reviews
Claimed, but not confirmed by reviews
- ⚠Сравнение условий МФО
- ⚠Calculator
Common complaints
- ✗High interest rates (up to 365% per annum)
- ✗Reporting of late payments to credit bureaus
- ✗Risk of microfinance dependency and debt spiral
- ✗Mixed reputation of partner MFIs
- ✗No complaints about the app itself in the sample100% of mentions
«All 30 reviews are exclusively 5 stars with no criticism»
What people praise
- ★Speed of approval (15-30 minutes)
«Reply came fast. Money was deposited to the card promptly.»
- ★Easy application process, intuitive interface
«The application process is intuitive. Even without experience, it's easy to figure out.»
- ★Instant money transfer to card (same day)
«Got the money right away. The funds arrived on the card promptly.»
- ★Fully remote application process, no need to visit office
«No extra documents required. Money comes quickly. Everything happens online.»
- ★Minimal documents (passport and phone only)
«Minimal documents and quick result. Didn't have to upload extra data.»