Кубышка займ
★ 4.5What it actually doesA microloan aggregator app that allows users to submit loan applications and receive offers from partner lenders, but is commonly criticized for high interest rates, hidden fees, poor technical support, and data privacy breaches.
Actually does
- ✓Поиск микрозаймов (агрегатор предложений)60% of reviews
- ✓Оформление заявки на займ70% of reviews
- ✓Recurring payments(bonus)80% of reviews
- ✓Customer Support(bonus)90% of reviews
- ✓Push Notifications(bonus)50% of reviews
- ✓Личный кабинет для управления займом(bonus)40% of reviews
- ✓Досрочное погашение с перерасчётом процентов(bonus)30% of reviews
- ✓Реструктуризация или изменение условий займа(bonus)20% of reviews
- ✓Скрытые комиссии и дополнительные сборы(bonus)80% of reviews
Claimed, but not confirmed by reviews
- ⚠Сравнение предложений от разных партнёров
- ⚠End-to-end encryption
Common complaints
- ✗Extremely high interest rates (0–292% annually)85% of mentions
«The interest rate is so high that the debt grows every month. I can't repay the loan because the interest makes it impossible to repay.»
- ✗Hidden fees, charges and extra payments not disclosed in the contract70% of mentions
«After I took out the loan, they started pushing additional services and insurance that I don't need at all. Hidden fees for 'payments' and 'insurance'.»
- ✗Debt trap: interest accrues faster than can be repaid75% of mentions
«Everything I earn goes only to interest. The principal debt doesn't decrease at all. These interest payments eat up everything!»
- ✗Unresponsive customer support: no response to calls, formal replies only60% of mentions
«Support doesn't answer calls, the situation remains unclear. Support is silent.»
- ✗Misleading terms: conditions changed after signing, broken promises (0% for first month)65% of mentions
«The conditions were one thing, but during repayment they told me the conditions have changed and now I have to pay much more.»
What people praise
- ★Fast money receipt upon approval
«Money arrived without delays.»
- ★Access to offers from multiple credit organizations
- ★Intuitive interface for loan application