Conga loan: overview of conditions, customer reviews, online application. Personal account Konga - online loan service Kongo zaim personal account
A company that issues loans without guarantors and certificates is Conga. To obtain a loan, you need to fill out an application for a loan on the company's website. Wait for an answer. The loan is issued in the amount of 2500 rubles to 20400 rubles. You can use the funds for about 1 month. " Conga» sees its borrowers as:
- the borrower must be 21 years of age;
- he must provide a passport of a citizen of Russia;
- must be registered in Russia;
- must own a registered card of one of the systems: MasterCard or Visa (the card must belong to any bank in Russia).
The loan is provided for use up to 5 days, free of charge. There is no limit on the number of loans issued.
To manage your money, you need to enter your personal account. Login to your personal account is carried out by the link https://www.konga.ru/. Click "Login" at the top. Enter your password and phone number (login) that you received during the registration process. Click "login".
By entering secret data, you get to your account, where you can use the following functions:
- create an application for a loan (the decision is made in 1 minute);
- use a loan calculator (with its help you can choose favorable conditions for a loan);
- study information on the loan (interest, amount, repayment date);
- make a loan payment online from a card (money is credited instantly);
- repay the loan in advance (this allows you to save on commissions);
- extend the term of the loan (at the same time, delays can be avoided);
- use the feedback service;
- keep track of current promotions and offers (this way you can use products on preferential terms);
- make adjustments to personal information.
Before receiving a loan, you need to register in the client's cabinet. To do this, follow the link https://www.konga.ru/. Specify the desired amount, the date when you plan to repay the debt. Click "get a loan". After that, you will be taken to a page where you need to fill out a form. Registration takes place in several steps:
- personal and contact data are filled in, a password is created;
- a questionnaire is filled in, in which information about the borrower is entered;
- taking into account this information, the tariff is determined;
- obtaining a loan in any convenient way.
In most cases, the company refuses a client a loan because the questionnaire is filled with false information. It is necessary to enter only truthful data. So, you can increase your chances of getting a loan. These conditions are selected individually for each borrower. Each loan repaid on time makes the loan conditions more favorable.
The following information is included in the questionnaire:
- personal data of the client;
- day, month and year of birth of the client;
- contact number;
- Email;
- passport data;
- registration;
- password to enter the office;
- place of work;
- other information.
After that, you will need to decide on the receipt of money. On the next page, you need to link the card to the client's account.
Do not forget: the client must attach the card to the account, even if he will receive money in cash. Thus, the identity of the borrower is confirmed.
How is the card linked? This is done in the client's office. You need to specify the data on the card and select the "register card" option. Then a small amount will be deducted from the card. It must be specified in a special field. You can find out the amount in the SMS message received from the bank. This means that the card is linked and the debited amount will be returned to your card.
Remember: you can only link a personalized card that belongs to one of the MasterCard or Visa systems. The data on the card must exactly match the data in the client's account. Before linking a card, make sure that its balance is at least 10 rubles.
Konga issues loans all over Russia, and does so via the Internet. If your locality is not on the list, enter the closest major city to you. After that, the registration is completed and you are provided with the data to enter the account.
Making a loan is easy. Create an application in the mobile application or in the client's office. Waiting for a decision. With a positive decision, sign the contract and receive funds in the way that is convenient for you. If you do not have access to your account, register on the organization's website.
You will learn about the decision made by SMS or by mail. The decision on the applications of regular customers is made within 1 minute. At the request of a new client within 5 minutes.
Check out the main requirements for users:
- age must be at least 21 years old;
- Russian citizen with permanent registration;
- the presence of a card (there must be at least 10 rubles on the balance sheet);
- having a permanent income;
- having a phone.
If you meet all the requirements, you can apply for a loan under the following conditions:
- from 2000 rubles to 20000 rubles;
- period from 7 days to 1 month;
- percentage from 0.77% to 1.8% daily;
- regular borrowers can use the loan for up to 5 days without commissions.
When a borrower registers on the company's website, a credit limit, interest rate and loan term are calculated for him.
By returning each loan on time, the bank will trust you more and more, and the terms of the loan will improve.
You can get money like this:
- to Yandex.Money wallet;
- to Qiwi wallet;
- to the account;
- to MasterCard or Visa.
Funds are credited instantly, except for crediting to the account. When transferring money through a bank, at least 5 days are required. Check with your bank for the exact time.
Payment can be made as follows:
- from your account to the company account (it takes 5 days);
- from the card via the Internet (this is the best of all ways);
- from a Yandex.Money wallet;
- from Qiwi wallet.
Do you urgently need money? Konga is what you need. Fast online loans that will solve all financial problems. Simple, fast, convenient and via the Internet, without leaving your own apartment or house. All you need to do is register on the website of MCC Konga LLC https://www.konga.ru and quickly apply for a loan.
The service has great functionality and a personal account where you can easily and easily manage microloans, cash and see detailed statistics on when to make a payment or take a new loan.
A microloan is an opportunity to get support in a difficult situation and avoid many problems that can take you by surprise at the most inopportune moment.
Applying for a loan in Konga is quite simple.
Benefits of working with a microcredit service:
- instant loan decision;
- round the clock service: 365 days a year;
- ease of registration: passport and your bank card;
- the Konga service cooperates with customers throughout Russia;
- fast work and almost instant receipt of funds;
- no references or guarantors.
The service is designed to help a person instantly.
Registration of a personal account in Konga
Registration will not take long. It is only necessary to correctly and promptly fill in the simple fields that are necessary to make a decision on issuing a microloan. Be careful when filling out the questionnaire, it will affect the decision.
In order to register, you must enter some information about yourself.
Stage 1. Personalization
Personal data:
- Date of Birth;
- cell phone number.
Passport data:
- series and number;
- date of issue and by whom the passport was issued;
- Place of Birth.
Registration address:
- locality;
- the outside;
- house and apartment.
And also enter your password twice in the fields, agree to all the conditions and click the "Next" button.
The data must be correct!
Stage 2. Location and employment
Address of actual place of residence:
- locality;
- the outside;
- house and apartment.
If the address matches the registration address, then check the box.
All requested data are required to determine your identity.
Employment:
- student;
- in maternity leave;
- retired;
- unemployed;
- employee for hire:
- place of work;
- position;
- actual income;
- work phone number.
Your employment characterizes your ability to pay.
Additional Information:
- marital status;
- the presence of children.
Agree to all terms and click "Next".
How to get the first loan?
For this you need:
- Create a personal account: described and shown in the screenshots above. After that, on the main page, you should click the "Get money" button.
- Link your personal bank card: VISA or MasterCard. Choose the rate that suits you best. Attention, the card must be named. If this requirement is not met, the loan will not be available. It should also be remembered that the card must be issued by a Russian bank.
- Get money in any convenient way.
4 most popular ways to get money.
Loan repayment
Just 3 easy steps. and you are no longer in debt:
- Click on the special "Refund" button. Debt repayment can be made using a VISA card, MasterCard, QIWI wallet or Yandex.Money.
- The loan can be repaid early.
Loan extension
If you got excited with the terms, you can increase the loan term:
- Log in to your personal account and enter your mobile number, which was used during registration, as well as a password.
- Pay the interest accrued on the loan and click "Extend loan". Be careful, because the deadline is extended by 14 calendar days in advance. You can also ask for a deferred payment, which must be completed within 2 days.
Rates and loan calculator
A wide choice of tariff rates from 0.77 to 2.17% per day, convenient microcredit, use of credit from 7 to 30 days and an unlimited number of extensions for your loans. Registration takes a little time and the money will go directly to your bank card or a special electronic wallet, from where you can easily use your money for absolutely any purpose.
The calculator will help you figure out how much you need to return.
Tariffs
Please note that all tariffs have different interest rates and conditions. In order to decide which is right for you, you should carefully read them.
Try to approach the issue as responsibly as possible. Calculate the funds you want to receive and choose only those conditions that are right for you.
There are 4 rates available.
Tariff "START":
- loan amount from 1500 to 8000 r;
- use from 7 to 20 days at a rate of 2.17% daily;
Tariff "PLUS":
- loan amount from 1500 to 12000 r;
- use from 7 to 30 days at a rate of 2.16 to 2.17% daily;
- unlimited number of repayment extensions.
Tariff "PREMIUM":
- loan amount from 1500 to 20400 r;
- use from 7 to 30 days with a rate of 2.14 to 2.16% daily;
- unlimited number of repayment extensions.
VIP tariff:
- loan amount from 100 to 15000 r;
- use from 5 to 90 days with a rate of 0.77 to 1.9% daily;
- interest-free use of a loan for up to 5 days;
- unlimited number of repayment extensions.
Advantages of loans from KONGA
Why Konga is better than other online borrowers:
- microloan from home via the Internet.
- round the clock service.
- guarantee of confidentiality and data security.
- loans throughout Russia.
MFOR "Konga" issues loans to its customers online without income statements and guarantors. Users only need to present their passport. The service operates 24/7 and provides services in all cities and towns of Russia. By taking advantage of the offer, you will be able to receive money on the same day you apply, because all applications are considered within 5 minutes.
How to get a loan in KONGA:
- Register on www.konga.ru
- Specify the loan amount and term
- Apply online
- Choose how to receive money
- Get money within 5 minutes
Ways to receive money:
- bank card
- QIWI Wallet
- Yandex money
- Bank account
- Contact system
Repayment methods:
- bank card
- QIWI Wallet
- Yandex money
- Bank transfer
Advantages and benefits of the Konga service
- Working hours 24/7
- Get loans online in 5 minutes
- Loan Interest Calculator
- Regular promotions and great deals
- Loan extension option
"Konga" today
Microfinance organization "Konga" successfully helps to solve the problems of accessibility of borrowed funds for the citizens of our country. Today, her clients are people who cannot get a bank loan due to imperfect credit history, lack of official work or other reasons.
microfinance company Konga has been providing short-term lending via an online service to citizens all over Russia for a long time. The application can be submitted from anywhere in the country. The decision is made very quickly.
Why contact IFC Konga?
Konga has been providing loans to Russian citizens for more than a year. This is a reliable lender. Konga was entered by the Central Bank of the Russian Federation into registry MFI in 2015. It has established itself as an organization with a high level of service and customer loyalty. This company provides its borrowers with the opportunity to improve credit rating.
MFC Advantages:
- constant discounts, promotions, bonus system;
- free extension option microloan agreement;
- high speed of consideration of the request;
- convenient mobile application and simple website interface;
- debt can be repaid early.
Among the disadvantages is that the application can only be made online, it cannot be done by phone. The applicant must have a personalized card.
Requirements for obtaining a microloan
There are the following parameters, subject to which you can take a loan in the Congo:
- reaching the age of 21;
- citizenship of the Russian Federation;
- permanent registration in any region of the country;
- a bank card issued in the name of a potential borrower;
- have a valid mobile phone.
When contacting microcredit company no collateral, guarantors, income statement required. It is enough to have a valid passport of a citizen of the Russian Federation.
What to do on first contact?
To get a loan the first time, you must follow the instructions.
- Register on the official website. This will take no more than five minutes.
- Choose the required loan amount, loan duration.
- Specify a convenient way obtaining a microloan.
The application is considered within five minutes, the money is credited to the account instantly. In the case of a second application, the borrower expects more loyal conditions.
A personal account registered for a new user is a convenient tool. Its use helps to monitor the status of the current microloan, repay it in a timely manner, and use the prolongation service. In addition, the user's personal account allows you to change personal information, participate in the bonus program, promotions, consult online with a specialist of the organization.
How to get loans?
IFC Conga offers a loan in a convenient way. The applicant has the opportunity to choose a comfortable option for obtaining a microcredit. The organization offers issuance of a loan in the following ways.
- Bank card. To do this, you must have a Visa, MasterCard, MIR payment instrument registered with any bank in Russia. To confirm that you are the real owner of the plastic, a verification process is carried out - a temporary reservation of money on the card (no more than ten rubles).
- Electronic wallet QIWI. If you choose this method, make sure that the registered phone number matches the wallet login.
- To get a loan in the form of cash, use the payment system Contact. To do this, you should personally come to any point of issue and tell the employee the number of the transfer. You must also present your passport.
- Checking account. To use this method, you must enter information about the details in your Personal Account.
It is worth noting that the speed of crediting money will depend on the choice of method. So, when choosing a bank transfer, the movement of funds can occur within 3-5 business days.
Return of debt
Borrowed funds can be returned by going to the Personal Account. To do this, enter the mobile phone number and password that you specified during registration. After that, click on the Refund button, choosing one of the methods. Loan repayment is available through:
- map;
- QIWI electronic wallet;
- bank transfer;
- payment system Contact;
- Sberbank online service;
- Cyberplat terminal.
In case of difficulties with making payments on time, customers microfinance organization Konga has a contract renewal service available. You can extend it using the Personal Account. To do this, pay interest for the time of using the borrowed funds and click on the Extend loan button. When choosing the prolongation service, the repayment period is increased by 14 days.
Reasons for refusal to issue a microcredit
A negative response to a loan request is extremely rare. Microfinance organizations are more loyal to their customers than large banks, so they approve requests more often.
Reasons for refusal:
- inconsistency with age restrictions;
- lack of a passport or citizenship of the Russian Federation;
- the questionnaire does not contain information about the IIN, SNILS;
- provision of inaccurate, irrelevant information;
- the presence of outstanding credit obligations, debts, overdue payments.
Also, a similar situation may arise for unscrupulous borrowers who repay debts at the wrong time, have a negative credit history.
Kong's company issues fast online loans and helps to solve current financial difficulties within a few minutes. MFI treats all its clients with understanding and issues loans quickly and without unnecessary paperwork. Withdrawing funds online makes it possible to receive financial assistance without leaving home.
Rate from 0.5%
Only Passport, SNILS, TIN.
Amount 2000 - 70000 ₽
Money in 3 minutes
Term 10 - 168 days
Online registration
submit your application
Interest rate
0.5 to 1% per day
Loan amount
2000 - 70000 ₽
Loan maturity
10 - 168 days
- Online registration
- Money in 15 minutes
- Loan term extension: Yes
Penalties
Application processing speed
Payout speed
Instantly
Loan maturity
10 - 168 days
- Online registration
- Money in 15 minutes
- Early repayment without fees: Yes
- Loan term extension: Yes
Penalties
In case of violation of the repayment period, a penalty in the amount of 20% per annum of the amount of the overdue outstanding principal debt is charged.
from 21 to 65 years old
The documents
Passport, SNILS, TIN.
Identification
Photo, bank card
- Online registration
- Money in 15 minutes
- Early repayment without fees: Yes
- Loan term extension: Yes
Penalties
In case of violation of the repayment period, a penalty in the amount of 20% per annum of the amount of the overdue outstanding principal debt is charged.
Schedule
around the clock
Bad CI
Extension
up to 30 days
- Online registration
- Money in 15 minutes
- Early repayment without fees: Yes
- Loan term extension: Yes
Penalties
In case of violation of the repayment period, a penalty in the amount of 20% per annum of the amount of the overdue outstanding principal debt is charged.
Getting an online loan from Konga: requirements for borrowers
In order to successfully apply for a microloan at Konga, the borrower must meet the necessary requirements:
- Be a citizen of the Russian Federation.
- Age over 21 years old.
- Have full capacity.
- Have a valid internal passport of a citizen of the Russian Federation.
- Have any other valid identity document: driver's license, international passport of a citizen of the Russian Federation, student card, pension certificate, TIN, SNILS.
- Have a valid bank card with a positive balance of at least 10 rubles.
- Have proof of regular income in the form of a 2-personal income tax certificate.
- A bank card statement on the account, which shows the receipt of funds of at least 25,000 rubles per month.
- Have a valid email and mobile phone number.
- Have access to the Internet.
If you have an intention to apply to MFI Konga, pay attention to all the points listed so that later there will be no questions why your application was refused.
Instructions for applying for a microloan on the Konga service
It only takes a few simple steps to get a loan quickly.
Upon receipt of a primary loan:
- On the Service website, click the "Get money" button or the "Create an account" button. The site will redirect you to the registration page. To register, you must provide the following personal data: full name, date of birth and mobile phone number.
- In the questionnaire, indicate the number of a bank card of the VISA or MasterCard system, which was issued by any Russian bank. Fill out your profile to be able to choose a tariff.
- To sign a loan agreement, a password will be sent to the specified mobile phone number, which must be entered in the appropriate field. After confirming the password, the funds will be transferred instantly to the specified bank card or QIWI e-wallet number.
To get a second loan, you need to complete only two steps on the site:
- Log in to your Personal Account using the previously created account.
- In the proposed form, enter the bank card number and fill in information about personal data. Enter the confirmation code for agreeing to the terms of the contract. Receive SMS about crediting funds to a card or QIWI e-wallet.
As you can see, everything is extremely simple, which is especially convenient if money is needed urgently.
Methods for crediting funds
To receive funds under a loan agreement online, the company uses three convenient ways:
- To the borrower's bank card issued by any bank registered in the territory of the Russian Federation.
- To the borrower's QIWI e-wallet number.
- Yandex.Money service.
Unfortunately, the choice of options is not too large, but this is not the reason for the lack of customers. Moreover, receiving money on bank cards has always remained the most convenient way of lending.
In what cases can a borrower be denied a microloan?
All decisions on the approval of applications for microloans or refusals to receive funds are made by an automatic system that analyzes the data provided. As a rule, customers who entered incorrect data or do not meet the mandatory requirements of the company receive a refusal. Borrowers who wish to receive an amount of more than 15,000 rubles also receive refusals.
Why do we need a borrower account and Personal Account
Authorization and filling out the profile are mandatory conditions for filling out an application for receiving funds. The service system will not issue a form for filling out a loan agreement to an unauthorized site visitor.
The personal account has a lot of useful data and functions: affordable loan rates, the ability to update personal data, monitor the loan repayment schedule, learn about interest rates and new individual offers. Also in the Personal Account it is possible to view the history of loans and the credit history of previously issued loans on the Konga service.
Existing ways to repay a microloan on the Konga service
For the convenience of users of the company's services, the following payment repayment steps are offered:
- Authorization on the site using the entrance to the Personal Account.
- In your account, click on the "Return money" button.
- Choose the appropriate loan repayment method:
- Bank card.
- Yandex. Money.
- Electronic QIWI wallet.
- Transfer to a bank account.
Detailed step-by-step instructions for the return of borrowed funds can be found in the Personal Account in the "return money" section.
How to extend the loan term
Extension of the loan repayment period is carried out in the relevant section of the Personal Account.
- Log in to your Personal Account using your mobile phone and email.
- Pay the interest and click the "Extend loan" button. The date of the next repayment will be moved forward by a few days.
Please note: an extension is possible only if the interest accrued before the day of the procedure is fully repaid.
Loyalty program for regular customers
For regular customers there is a loyalty program. It includes the following bonuses:
- Opportunity to borrow money in excess of 15,000 rubles.
- Individual debt repayment schedules.
- With repeated use of the services of the Congo service and in the absence of debt on loans, customers receive new and more favorable tariff and interest rates.
The client receives notifications about the provision of all incentive bonuses through his Personal Account.
Company advantages
Congo's microloan company benefits from automatic approval of submitted applications. Applications are processed around the clock, even on weekends and holidays. The service allows you to reschedule a loan an unlimited number of times and even extend the repayment period of an overdue payment. The company provides the possibility of early repayment of the loan and getting a new one within a day from the date of repayment of the previous one. The company guarantees the security of entering personal data and conducts its activities under the control of the Central Bank of Russia.
IFC "Konga" is engaged in the provision of micro-credits online. When making a loan agreement, the borrower must first register on the site. Receipt of a loan, control over the state of the account, repayment of debts are carried out from the client's personal account. You can use the services of a microfinance company both through a computer and through a mobile device.
Registration of personal account on the site konga.ru
To register a personal account, you need to go to the official website of the company.
There are two ways to open the registration form:
![](https://i0.wp.com/f.sravni.ru/cms/KnowledgeBaseArticle/lichnyj-kabinet/lichnyj-kabinet-konga%20%282%29.png)
The user will be presented with a registration form.
The process consists of 4 steps:
![](https://i1.wp.com/f.sravni.ru/cms/KnowledgeBaseArticle/lichnyj-kabinet/lichnyj-kabinet-konga%20%285%29.png)
Without linking a card, you can receive money by bank transfer to an account or through the Contact system. In this case, the term for receipt of money may take up to 3-5 business days.
Login to personal account Kong loan
After registration, the client will have access to Kong's personal account. To do this, press the "Login" button located in the upper right corner of the site.
Login with phone number
Login is carried out using the mobile phone number that was specified during registration and password:
Password recovery
If you have lost your password, you can retrieve it by clicking the "Forgot your password?" button. You will need to enter the phone number associated with the personal account. An SMS notification will be sent to your phone with a code to change your password.
It must be entered in the field that will open when you click "Send SMS code".
Konga Personal Account Features
Kong's personal account provides the borrower with all the opportunities for obtaining, managing, repaying, prolonging a loan. In the personal account, the borrower can see the tariff assigned to him. It defines the minimum and maximum limits of the loan, the possible interest rate, term, terms of prolongation established for a particular client.
The tariff is highlighted in yellow in the user menu.
Additionally, in your personal account, you can make changes to personal data, view the history of payments on loans.
Loan processing
To receive money in your personal account, you enter the required amount, the loan term, and the application is sent for consideration. The term for consideration of applications is up to 10-15 minutes. After approval of the issuance, the borrower receives an SMS message with the parameters of the microloan. If he agrees with the conditions, he sends an SMS message, which is equivalent to signing the contract and the money is immediately transferred in the way that was indicated in the application form.
If the borrower's personal data has not changed, then when applying again, he enters only the amount and term of the loan, according to his tariff, the decision on issuance will be made in 1 minute.
Debt repayment
Debt repayment can be made in the personal account by clicking on the "Return money" button. You can pay the debt not only from the card that is linked to your personal account. You can use any bank card of Visa, MasterCard, MIR payment systems, QIWI electronic wallet. The operation is completed as standard by confirmation by SMS.
If the borrower will repay the debt by bank transfer, in representative offices of banks, using money transfer services, he must first generate an invoice for payment in the personal account. In this case, the procedure is as follows:
- Login to LC;
- Open the "My Loan" section;
- Choose a payment method;
- Enter date;
- The system will automatically calculate the amount to be returned;
- With the generated account and passport, you need to visit a representative office of a bank or money transfer systems.
It is necessary to accurately calculate the date of receipt of funds, if the money arrives on another day, the amount of interest will change. Control is carried out in a personal account.
Early repayment
In case of early repayment of the debt in the LC, you should select the section "Repay the loan ahead of schedule" so that interest is recalculated for the actual number of days of using the borrowed funds.
If the debt is repaid in installments, with a partial early repayment, a new repayment schedule is formed in the “make a payment” section.
Loan extension
The provision of the service "Extension of the loan repayment term" is carried out at the discretion of the lender's administration. You can prolong the microcredit in the personal account by pressing the appropriate button. Borrowers can extend the repayment period, even if the debt has already entered the delinquent loans account. The extension period is 14 days. The service is provided free of charge.
Loyalty program for regular customers
Regular borrowers of MFIs enjoy preferential lending conditions that allow them to save up to 50% on interest rates. To participate in the loyalty program, the borrower must fulfill the following conditions:
- Constantly take and extinguish microloans;
- Timely repayment of debt;
- Use paid additional services, for example, extending a loan;
- No long delays.
Individual conditions for the provision of microloans for the borrower will be reflected in his personal account.
Kong mobile app
You can get a loan in Konga only from the official website of the company. A mobile application for the phone has not been developed, but the client will be able to use the site by logging into it through any convenient browser. Mobile devices with both iOS and Android platforms are suitable for logging in.