Kongo personal account microloan. Personal account Konga - internet loan service
Konga is a micro-credit service for issuing online loans without guarantors and collateral. To receive money from the borrower, only a passport is required. Loan requests are processed within 10 minutes, money is credited to the card quickly. You need to follow two simple steps to obtain a loan in Konga: a personal account opens on the service website and an application is immediately submitted. Loans are approved in 90% of cases. Money is given even to those who have a bad credit history or are not officially employed.
About Konga service
The product for providing loans to citizens online was launched by the microfinance company Konga, which has been operating in the fast loan market since 2015. The activity is official, regulated by the Central Bank and is conducted on the basis of certificate No. 001603550007495. The service is aimed at solving complex financial problems of anyone who applies and needs to solve a money issue immediately.
Advantages of MFC "Konga"
There are a number of important advantages of cooperation, due to which borrowers choose the service of this company:
- simple requirements for the borrower - age from 21 years old, registration in Russia, a personal card of a bank of the Russian Federation;
- transparent terms of cooperation - there are no hidden commissions, all clauses of the agreement are written in simple language;
- minimum package of documents - only a passport of a citizen of the Russian Federation is required;
- remote loan - applications are processed and loans are issued online;
- round-the-clock processing of applications - you can apply for money at any convenient time, even at night;
- granting the extension of the agreement - if it is not possible to repay the loan on time, you can extend it on favorable terms;
- security and confidentiality - customer data is stored encrypted on separate servers;
- when approving applications, credit history is not taken into account - money is provided even to those borrowers who could not successfully repay bank loans;
- customers are offered several tariffs, which allows them to choose the most favorable terms of cooperation;
- fast approval - no more than half an hour passes from the moment the application is submitted to the receipt of money;
- loans are provided without collateral - no guarantors, collateral, income statement are needed;
- special offers for regular customers - discounts on interest rates up to 20%.
All these advantages set Konga apart from many other online microcredit services, so borrowers choose this particular IFC.
The best offers for loans and borrowings:
The official Konga website has an intuitive interface and thoughtful navigation. For convenience, a loan calculator is available on the home page. It calculates the cost of a loan based on a given amount and term. By clicking on "Get money", the client can go straight to filling out the application. The main page of the service provides access to 6 main sections of the site:
- "About the company" - provides detailed information about the service.
- "Customer Support" - access to the section with answers to frequently asked questions.
- Obtaining a loan ”- detailed conditions for providing money for the first and repeated applications.
- "Tariffs" - current proposals for the issuance of loans.
- "Loan repayment" - detailed conditions for the repayment of the debt.
- "News" - a section with up-to-date information about the service.
The main sections of the site on the main page of the MFC "Konga"
Registration in your Konga account
To get a loan in Konga, you need to create a personal account on the official website. On the main page, the amount and term of the loan are indicated, the item "Get money" is selected. An alternative option is to click on the "Create an account" button at the top right.
Create your Konga account
Registration takes place in three stages. First, the first form is filled out, where the following data is indicated:
- last name and first name;
- Date of Birth;
- place of residence (according to registration);
- passport number, date and issuing authority, validity period;
- email;
- desired password;
- Telephone number.
Form for registering a personal account
When filling out the form, please provide reliable data. False information in the application form is the most common reason for refusal to issue loans.
The second stage is choosing a tariff plan. On the page that opens, the new client will be offered available lending options.
Registration form for Konga personal account and choosing the type of microloan
The third stage is choosing a convenient way to get money. The client is offered a list of available payment systems.
A potential borrower is required to link a bank card regardless of the chosen method of crediting the loan. The procedure is required for additional identification of a citizen. The system automatically redirects to the page where the additional questionnaire is filled out.
It is impossible to get a loan without verification of a Visa or MasterCard card.
Linking a bank card takes place in 3 stages:
- The form indicates the card number, date of issue, owner's name, the last three digits of the CVV.
- The button "Register card" is pressed.
- Within a few minutes, the service deducts a random amount from the card from 1 to 10 rubles. The client receives an SMS from the bank about the withheld funds. It is important to indicate in the special field of the questionnaire how much was charged off by the service, and click on "Finish".
The money is returned to the bank account after the successful completion of the linking of the card.
How to enter your personal account on the konga ru website
To enter the LC, a phone number and password are used. For authorization, you need to click on the "Login" button on the main page of the site.
Login to your Konga account
You can visit drugs from any device - computer, tablet, smartphone. The only condition is that they must be connected to the Internet.
Password recovery
It is not uncommon for a client to remember the password. To restore access to the personal account on the main page of the site, click the "Login" button. In the form that opens, select the "Forgot password" item. The following is the mobile phone number that was used during registration.
Recovery of password for access to LC Konga
Within a few minutes, the user will receive an SMS containing the code for entering the LC.
Features of Kong's personal account
The user's personal workspace in the online service opens up the following opportunities for him:
- correction of data in the profile - you can change personal information if necessary;
- registration and sending of applications in a few clicks;
- loan calculator - calculation of interest rates, selection of favorable rates;
- information on the current loan - terms, stages of repayment, accrued interest;
- loan extension - the client can avoid delays and fines in case of delay in loan repayment;
- making payments on an open loan - instant debt repayment using a bank card;
- early loan repayment - this option allows you to save on interest payments;
- feedback - contacting the service support;
- promotions - access to special offers on Conga microcredit products.
Due to the wide functionality of the personal account, it is easy for the user to receive the necessary information and carry out the necessary actions without asking for help from the support service specialists. Detailed video instructions for working with your Konga account:
Make an online loan application
To get a loan from Konga, you first need to fill out an application form. It indicates the amount and term of the loan. The requests are processed by the service automatically. The response time is from 1 to 5 minutes.
If the application is approved by the service, an SMS with a secret code is sent to the mobile of the potential borrower. It remains valid for 10 days. After entering the code in the personal account, the citizen chooses a convenient way of crediting credit funds.
Borrower requirements
To obtain a loan, the applicant must meet the following requirements:
- age from 18 to 65;
- Russian citizenship;
- valid Russian passport and registration in Russia;
- a personal bank card of the Russian Federation with a positive balance of 10 rubles or more.
In some cases, the MFI asks for additional documents, for example, a passport, driver's license, income tax return. They are submitted in the form of scanned copies, sent to the email specified by the lender or uploaded in your personal account. Such minimum requirements for borrowers make lending in "Konga" available to almost everyone.
Microcredit conditions
Online loans in "Konga" are provided at 1.8% for up to 30 days. Amount up to 20,000 rubles. The following tariff plans are available to the customers of the service:
Long term loans
Additionally, the service offers a VIP tariff plan, which allows you to receive long-term loans. Loans are issued for a period of 5 to 90 days. Interest rate from 0.77 to 1.9% per day. For the VIP tariff plan, you can use a free loan for up to 5 days.
Methods of obtaining
The main way to get a loan in Konga is to a bank card. This method has several advantages:
- money comes instantly;
- it is convenient to withdraw cash from an ATM;
- there are no additional fees.
Clients of the service are also offered other ways to get borrowed money:
- to a bank account;
- Yandex money;
- Kiwi.
When using a bank account, the borrowed funds are received within 5-7 working days. The exact date of crediting money must be found out in your bank.
Loan processing for regular customers
With repeated calls to Konga, you do not need to create a personal account again. Credit decisions are made faster. More favorable individual conditions are offered to regular customers, special promotions are valid for them.
Loan repayment from Konga
When the loan agreement expires, the client needs to pay the debts without delays. He will not spoil the credit rating and will be able to get borrowed money on favorable terms. Instructions for repaying a loan from Konga:
- In the personal account of the service, the "Pay off debt" tab is selected.
- A list of available payment systems will appear. The borrower can pay the debt using a bank card, Qiwi e-wallet or Yandex.Money. An additional option is to transfer money to a bank account.
- Having chosen a suitable payment system, the debtor needs to click on the "Pay" button and follow the instructions of the service.
The loan repayment process is not complicated and allows you to use convenient payment methods.
Early repayment
The client can save money by repaying the loan ahead of schedule and paying for the actual term of the loan in case of early repayment. There is no need to notify the lender in advance. You need to select the "Early repayment" section in your personal account, click on the "Recalculate" button, and the system will automatically display the amount to be paid. All that remains is to choose a convenient payment method and pay off the loan with accrued interest.
Extension of the term of a microloan
Debtors of IFC Konga can extend the loan term when it is not possible to pay the loan on time. Prolongation is available even for overdue loans. To extend the term of the microloan, the debtor is required to pay the accrued interest. Prolongation is available an unlimited number of times, but repeated deferrals are made at the discretion of the lender.
In the event of a delay in payment, a penalty interest of 0.05% is charged daily.
Attitude towards debtors
MFOR "Konga" issues loans to its clients online without income certificates and guarantors. Users only need to present their passport. The service operates 24/7 and provides services in all cities and towns of Russia. Taking advantage of the offer, you will be able to receive money on the day of contact, because all applications are considered within 5 minutes.
How to get a loan in KONGA:
- Register on the website konga.ru
- Indicate the amount and term of the loan
- Apply online
- Choose a way to receive money
- Receive money within 5 minutes
Ways to get money:
- Bank card
- QIWI Wallet
- Yandex money
- Bank account
- Contact system
Repayment methods:
- Bank card
- QIWI Wallet
- Yandex money
- Bank transfer
Advantages and advantages of the "Konga" service
- Opening hours 24/7
- Obtaining loans online in 5 minutes
- Loan interest calculator
- Regular promotions and great offers
- Loan extension option
Conga today
The microfinance organization "Konga" successfully helps to solve the problem of the availability of borrowed funds for the citizens of our country. Today, her clients are people who cannot take out a bank loan due to imperfect credit history, lack of official work, or other reasons.
Microfinance company Konga has long been providing short-term lending services through an online service to citizens throughout Russia. The application can be submitted from anywhere in the country. The decision is made very quickly.
Why contact the Konga IFC?
Konga has been providing loans to Russian citizens for several years already. This is a reliable lender. Conga was contributed by the Central Bank of the Russian Federation to registry IFIs 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.
IFC advantages:
- permanent discounts, promotions, bonus system;
- possibility of free prolongation microloan agreements;
- high speed of consideration of the request;
- convenient mobile application and simple site interface;
- debt can be repaid ahead of schedule.
Among the disadvantages is that the application can only be made online, it cannot be done by phone. The applicant must have a name 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;
- Russian citizenship;
- permanent registration in any region of the country;
- bank card issued in the name of a potential borrower;
- availability of 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 should I do when I first contact you?
To get a loan the first time, you must follow the instructions.
- Register on the official website. It will take no more than five minutes.
- Select 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 case of repeated application of the borrower, more loyal conditions are expected.
A personal account registered for a new user is a convenient tool. Its use helps to monitor the status of the current microloan, to repay it in a timely manner, and to use the renewal service. In addition, the user's personal account allows you to change personal information, participate in a bonus program, promotions, and consult online with a specialist of the organization.
How to get borrowed funds?
IFC Konga offers a loan in a convenient way. The applicant has the opportunity to choose a comfortable option for obtaining a microcredit. The organization proposes issue of a loan in the following ways.
- Bank card. To do this, you must have a payment instrument Visa, MasterCard, MIR, 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 cash, use the Contact payment system. To do this, you should personally come to any pick-up point and tell the employee the transfer number. You also need to show your passport.
- Checking account. To use this method, you must enter information about the details in your Personal Account.
It should be noted that the speed of money transfer will depend on the choice of the method. So, when choosing a bank transfer, the movement of funds can occur within 3-5 working days.
Return of debt
The borrowed funds can be returned by going to the Personal Account. To do this, you must 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:
- card;
- electronic wallet QIWI;
- bank transfer;
- Contact payment system;
- Sberbank online service;
- CyberPlat terminal.
In case of difficulties with making payments on time, customers microfinance organization Konga has a renewal service available. You can extend it using your Personal Account. To do this, you should pay interest for the period of using the borrowed funds and click on the button Extend the loan. When choosing a renewal service, the maturity is extended by 14 days.
Reasons for refusal to issue a microcredit
A negative response to a request for borrowed funds is extremely rare. Microfinance organizations are more loyal to their clients than large banks, therefore they are more likely to approve requests.
Reasons for refusal:
- inconsistency with age restrictions;
- lack of a passport or citizenship of the Russian Federation;
- the questionnaire does not contain information about IIN, SNILS;
- provision of inaccurate, irrelevant information;
- the presence of unfulfilled 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.
The Congo Loan service was created specifically so that everyone can receive money remotely by sending an application over the network. To apply for loans, the user must register and gain access to the account on the site. Let's figure out how to enter and get access to the personal account of Konga Loan, what functionality does the virtual space have.
Account registration and authorization
The user gets access to his personal account at the time of the first registration of a microloan on the Konga website. The procedure for issuing the first (and subsequent) loans is as follows:
1.Open the home page of the portal and find the calculator. We indicate in it the required conditions of the loan: closing date, amount, etc.
2.Click on the button "Get money".
3. Next, fill out the form and indicate personal information. An important step is linking the bank card number to the profile. Even if the user does not transfer money to plastic, he will still have to bind it.
4. We are waiting for the approval of the application from the lender and select the desired withdrawal method.
To gain access to the service, you need to specify the following data:
- account password;
- Name, gender and date of birth of the borrower;
- cell number;
- email address;
- passport data.
The second part of the questionnaire provides for the indication of the address of residence (if it coincides with the address of permanent registration, you can tick the appropriate box) and information about the borrower's employment.
In the column with employment, you can indicate the current status - unemployed, student, pensioner, etc. If the borrower is currently employed, he will have to enter data on:
- place of work;
- positions;
- official income.
You will also need to enter the SNILS number. In the column with additional information, you can indicate other statuses: marital status, number of children and dependents, etc. It is the second part of the questionnaire that plays an important role in approving the application - on its basis, the client's solvency is determined.
You can also enter your account on the home page of the Kongo website.
To apply for subsequent loans, simply enter your profile and enter the necessary data into the calculation calculator. To enter the LC, you must:
- Open the main page of the site and go to the login form.
- Enter your username and password for your account (you can enter your cell phone number).
Conditions for issuing loans
The Congo service works 24/7, and it takes no more than 15 minutes to process an application. The result of consideration of the application will become known after receiving an SMS or e-mail message from the MFO.
To receive funds on loan, the borrower must meet a number of conditions:
- age limit - from 21 to 65 years;
- he has an active mobile number and a personal bank card issued by a domestic bank;
- he must have Russian citizenship and permanent registration on the territory of the Russian Federation.
There is no need to upload any other documents other than your passport. Guarantors are also not required.
There are several options for withdrawing funds received in debt:
- to a bank card of the Visa or MasterCard system (plastic is pre-tied to the profile in the account settings).
- to a bank account (a direct transfer is carried out, which takes up to 5 days).
- to the electronic wallet Qiwi or Yandex.
Loan refusals are rare. Usually, the borrower is denied due to:
- indicating inaccurate personal data;
- binding an unconfirmed cell or card number to the profile;
- the presence of outstanding or overdue loans issued in the Congo or other MFIs (the service checks the credit history when applying for all loans).
In most cases, the system will ask for new, reliable data. Or it will change the terms of the loan set for the first time.
There are more ways to pay off debt - you can do this:
- transfer from a bank card;
- cashless payment (withdrawing money from your account);
- by making a payment from an electronic wallet (Yandex.Money or Qiwi);
- using payment terminals Kiwi or CyberPlat.
Remember that transfers of non-cash funds may be delayed. Therefore, deposit funds in advance so that due to the difference in the date of receipt and the date of repayment, there is no delay. All methods of transferring funds that provide for the payment of commission interest are noted in the cabinet.
The interest set when applying for a loan ranges from 0.77 to 2.12%, depending on the maturity date, the amount of debt and the tariff plan.
Clients making payments on time can join the MFI group on social networks and participate in promotions. These actions are optional, but they increase the chances of switching to a new, more favorable lending rate. There are 3 of them:
- Start,
- Plus,
- Premium.
Each of them provides for different credit conditions. Limits grow up to 15,000. Switching to the last, VIP tariff, increases the maximum loan amount to 20,000 rubles and makes it possible to use auxiliary options, namely:
- Free loan prolongation.
- The use of borrowed money without interest in the first 5 days after the loan is issued (a very profitable opportunity if the client expects to quickly pay off the debt).
The minimum loan amount is from 2,500 rubles. Loans to new clients are issued up to a maximum of 5,000 rubles. The time frames are also different and range from 7 to 30 days plus the possibility of an extension up to 60 days. The loan agreement is concluded between the parties after the client enters the code from the received SMS.
Important! The extension option is approved at the discretion of the company, but any loan, even an overdue one, can be prolonged (then not only interest for the extension will be fixed, but also penalties for late repayment).
If you realize that you will not be able to repay the loan on time, you can contact the company at 8 800 333 85 13. Congo employees will advise on possible solutions to the problem.
Account functionality
A personal profile gives the client the opportunity to:
- repay and renew current loans;
- issue new loans;
- view information about the current tariff plans and change them;
- indicate personal data and change them at any time;
- contact the MFI support service.
To extend the debt closure period, you need to open the section with issued loans and click on the "Extend" button next to the desired loan. The service can be used an unlimited number of times, however, it provides for payment of interest for an additional period. You do not need to deposit a fixed amount to activate it.
To bind the plastic you need:
- Fill in the card details.
- Click on "Register card".
- She will be charged 10 rubles. The exact amount of the withdrawn funds will be indicated in the SMS from the bank.
After that, the card will be assigned to the specified profile, and the money will be returned back.
Important! The site must also indicate the city of residence. However, if it is not in the list of settlements, the user needs to select any nearest major city.
A proprietary utility has been developed for lovers of mobile devices. It can be downloaded for free from Google Play by all owners of smartphones based on Android. Authorization in it is also carried out by entering the cell number and password from the account. New customers will be able to register directly in the app.
To search for it and download it, just enter the name of the company in the search bar - "Konga".
Let's summarize. Among the advantages of this MFO, one can single out the speed of consideration of the application, the loyalty system and different lending rates, the presence of a mobile application and the possibility of renewal on favorable terms. Among the disadvantages is a small maximum loan amount in comparison with other companies.
Are you worried that you will not make it to your salary? Have unexpected expenses or unplanned financial liabilities? Do not make a headache because of this! Financial assistance is easy to get if you have a personal account in Kong.
Organization information
The KONGA company was created specifically to help people solve financial problems. The company's activities are fully built online, which allows you to conclude an agreement regardless of banks, offices and without interrupting personal affairs. You can take a loan at any time of the day and from anywhere in Russia; you only need the Internet to submit an application.
The microfinance organization provides loans in the amount of 2,500 to 25,000 rubles for a period of 7-30 days. The interest rate varies from 1.8% for the first calls to 0.77% per day for subsequent cooperation. In order to arrange a loan at an attractive rate, you must be a regular customer of the company. In "KONGA" they will always meet the needs of responsible borrowers.
- "START". This offer is valid for beginners. The amount offered here is from 2500 to 7800 rubles.
- "A PLUS". A popular tariff, where the possible loan amount is 2500-14300 rubles.
- "PREMIUM". Applications for the amount from 2,500 to 20,000 rubles are considered here.
- "VIP". Possibility to make a request for funds in the amount of 100-20400 rubles.
- At the moment, there are several tariffs to choose from:
Advantages: a reduced interest rate, an increase in the credit limit, free use of funds for up to 5 days, extension of the loan term without charging a commission. The prolongation of the loan terms in the Conga company can be carried out an unlimited number of times.
- You can increase the tariff in other ways:
- Join Conga communities on social media;
- Leave positive reviews about the company on websites and official pages;
- Recommend the service to others and participate in the organization's projects (contests, promotions).
To get a loan, you need to register a personal account on the organization's website. To begin with, using a loan calculator, the size of the loan and the period for its repayment are selected. Then you need to press the button "GET MONEY". You can also go to the creation of a personal account on Konga by using the button "CREATE AN ACCOUNT".
Next, a detailed questionnaire will open, which you will need to fill out. It is important to enter only reliable information and exact details of the documents into it.
Personal account is convenient!
Through your personal account on the site, you can extend the loan payment period, make its full or partial repayment. The choice of the desired tariff is also carried out on its own page.
When re-crediting, you do not need to enter all the data again. It is enough to log into a personal account using a mobile phone number and a password invented during registration. This is an undoubted advantage, especially when money is needed urgently.
The KONGA website is designed so that it is convenient for the client to navigate on it. The borrower can go to the section of interest directly from the main page. Feedback allows us to maintain an open policy and give as much information as possible about the work of the service.
General information about the loan in MFO "Konga";
Today, the interest in micro-loans is significantly increased among the society. It is known that proven micro-loan organizations are able to provide assistance to the population in order to receive money in the required amount. Anyone who needs help prefers to contact only trusted organizations. The company "Konga" loan has been the leader in recent years among people in need of urgent material support. From the right organization, you can significantly improve your own well-being, and get the required amount of money without problem situations. If you need to take a loan online on the "Kong" card, then you have come to the right address.
"Konga" loan is a personal account which is accessible to any person. After a simple registration, you can take the required amount of money quickly and on especially favorable terms. By visiting the specialized "Konga" official site, you can find a lot of useful information. In addition to the above-mentioned "Kong", the entrance is provided for any person. And if you are a borrower who has reached the age of majority, then we are happy to welcome you.
You can also find a hotline on the official website of "Kong", where you can not only clarify questions of interest, but also in case of a problematic situation, file a complaint against the employees of the organization. Reliable company "Konga ru" provides loans for most people who want to improve their financial capabilities in the shortest possible time. Thanks to the proven organization "Konga" to takecredit card it can be repeated on especially favorable terms online, for interested people with practically no restrictions. To re-issue money, you need to safely return the previously taken funds with the calculated interest for using the loan.
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