How to repay a loan using a VISA or MasterCard bank card? Loans VIVA Money - Login to your personal account.
Sometimes in the life of any person a situation arises when a certain amount of money is urgently needed, but there is nowhere to take them. MFO Viva Money offers its clients an unlimited trust loan. Taking advantage of the company's offer, you can get cash to pay for tuition, vouchers, loans, for repairs or for the purchase of long-awaited furniture. Microfinance organization Viva Dengi does not require the client to report on the purpose of using the funds. Not needed here either additional documents, or bail.
MFO Viva is a large and actively developing microfinance organization for lending to individuals and individual entrepreneurs.
- Legal name "Limited Liability Company Microfinance Company" Center for Financial Support "(LLC MFC" CFP ");
- The company was registered and listed in State Register microfinance organizations 13.12.2011, certificate No. 11-02-02 / 34485;
- Certificate for the trademark No. 489110 dated 06/07/2013;
- Microfinance is carried out by the company on the basis of the legislation of the Russian Federation.
You can take out a loan at any of the offices of Viva Dengi Bank, which are located in more than 120 cities in 30 regions of Russia, or through an online application. The exact addresses of the company's branches can be found on the official website of Viva Money or by calling hotline 8-800-550-77-66.
The main office is located at the address: Moscow, Krzhizhanovskogo street, building 29, building 5, room 1, room 10.
Borrower requirements
MFO Viva Money puts forward to everyone potential borrower a number of simple requirements:
- You must be a citizen of Russia;
- You must have a permanent registration in one of the cities where Viva money offices are located;
- You must be at least 21 years old;
- You must not have any outstanding debt on a previous loan from the company.
If the above requirements are met, a loan application can be made in one of the branches of the organization or directly on the company's website. In this case, you need to provide your passport and mobile phone number.
Conditions for obtaining a loan
A Viva loan can be issued for up to 12 months in an amount of up to 80 thousand rubles. The conditions for obtaining a loan are extremely simple. To register the desired amount on credit, you need to do the following:
- Go to the official website of the company and issue online application by following the prompts. Here you select the amount and term of the microloan, after which information on monthly payments and total amount overpayments;
- It will be necessary to indicate a number of personal data: full name, mobile phone, passport data, place of work and income level, as well as the desired method of receiving funds;
- Wait while the application is reviewed. As a rule, the waiting time does not exceed 30 seconds;
- Choose the nearest or the most convenient office of the company from the list;
- Meet with an MFI representative and get your money.
The company provides an opportunity to receive money in several ways, from which the client himself chooses the most convenient option.
Methods for obtaining a microloan
You can get a microloan in MFO Viva Money using one of the following options:
- in one of the offices of the organization;
- Transfer to cards of various international payment systems.
For each of them, a preliminary online application is required.
They are especially popular today. You can arrange money urgently,. In addition, Viva Money provides for the issuance of a microloan for special card Viva. The funds will be credited to you almost instantly.
For maximum control comfort in cash, the company provides each client with the opportunity to use Personal Area on the site. Having issued a loan online, you can enter your personal account, then manage the funds received, monitor transactions, use credit calculator and etc.
Microloan repayment methods
Viva Money also allows you to repay a loan in several ways to choose from:
- Translation from bank card;
- Cash at the office.
The loan can be repaid using alternative methods:
- Through the translation of Contact systems, gold Crown;
- Cash in the salons of MTS, Svyaznoy, Euroset, Beeline;
- In the terminals MKB and Forward Mobile;
- By bank card at Sberbank branches;
- In the Kari chain of stores.
Payment of debt and interest on it can be made in any way convenient for the client.
Viva Money does not charge additional commissions for a microloan either upon receipt or early repayment of the debt. Moreover, early repayment reduces the percentage of payments on the loan.
Company advantages
Viva Money invites its clients to receive the required amount of funds for the most favorable terms... Besides the solution financial issues, each client receives:
- Personal approach;
- The ability to receive money at any time of the day, and at a minimum percentage;
- The fastest possible decision on the application;
- Convenient ways to receive, redeem and control funds;
- Discounts for regular customers;
- The opportunity to participate in special programs for retirees, as well as in regularly held promotions and special offers of the company.
Having studied information about Viva Money and customer reviews, we can say that Vivadengi is a reliable and stable partner for any individual or individual entrepreneur as well as a profitable alternative to private loans or bank lending.
In life, there are different situations, the resolution of which often requires money. It is not always possible to borrow the required amount from friends, therefore one of the optimal solutions is to take a quick loan from Viva Money. It has been providing loans of various sizes since 2011, and the firm has representative offices in 120 cities of Russia.
Who can be the borrower, terms and conditions
Any citizen of Russia between the ages of 21 and 70 can take a microloan at Viva money. He must be registered in one of the cities where the company office is located.
To apply for a receipt, you don't even have to leave your home, but fill it out on the company's website or by phone.
Via online calculator you can independently choose the conditions for the loan - its amount and the period for which it is taken. The program will automatically calculate all interest and show the number of payments to repay the loan.
After filling out all the forms, the application is sent for consideration by the manager, who, in case of a positive answer, will call you and invite you to the nearest office of the company to conclude an agreement.
You can also immediately come to the office and get a loan:
- go to the nearest service office;
- apply for a microloan;
- complete the contract;
- get your money.
Advantages of a loan from "Viva money":
- no need to post a deposit;
- there is no need to look for a guarantor;
- minimum package of documents;
- no need to make a certificate of income;
- consideration of the application in 30 minutes;
- the ability to submit an application via the Internet or by phone;
- execution of a contract in 15 minutes.
It is possible to get Viva money from other banks. The main thing is that the borrower does not owe money to the company itself.
Main characteristics of the service
There are two types of loans in Viva Money - Standard and Pension.
Loan type | Standard | Pension |
Sum | RUB 1,000–40,000 | RUB 1,000–40,000 |
Loan terms | 7-180 days | 7-180 days |
Percentage per day | 0.35 % – 2 % | 0.31 % – 1.8 % |
Documentation | The passport | Passport, pension certificate |
Borrower age | 21-70 years old | Availability of a pension document |
If you submit additional documents when applying for both types of loans, it is possible to get a loan with even lower interest.
These documents include:
- pensioner's ID;
- paid receipt of housing and communal services, where your name and registration address are;
- OSAGO insurance policy;
- vehicle registration certificate;
- international passport.
Receiving and redemption methods
You can get a loan "Viva money" only in Russian rubles:
- in cash at the company office;
- transfer to the "Viva money" card;
- across .
System remittances CONTACT allows you to receive credit money in any partner bank of the firm convenient for you. Within a day, the transfer is received from "Viva money", and after that it can be received without interest.
To receive you need:
- come to any point in the system;
- indicate to the cashier that you need to receive "Viva money";
- present an identity document;
- indicate the amount of the transfer and the number of the contract;
- get your loan.
In the office of "Viva money" it is still easier - you receive either a card with money, or immediately cash.
Debt repayment and monthly payments can be made in different ways:
- In any office of the Viva money company.
To do this, you only need to have a passport, payment goes instantly and without commissions. - Through the CONTACT money transfer system.
You can use any point of this system, indicate to the cashier the direction of the transfer - "Viva money", provide a passport and contract number. Funds are received within 24 hours and there is no redemption fee. - Through the service "Zolotaya Korona - Repayment of loans".
Payment can be made at any cash desk of the Zolotoy Korona partner bank. The documents are required the same. The transfer fee is 1% of the amount, but at least 50 rubles, and the funds are received the next business day. Under the same conditions, redemption can be made in the Euroset and MTS communication shops. - In the communication salon Svyaznoy.
Repayment terms - commission of the amount of 1.5%, funds are credited the next day. All you need is a passport and contract number. - Via Forward Mobile, CyberPlat and Europlat terminals.
Transfer commission - 1.5% of the amount. In the terminal it is necessary to indicate the number of the contract "Viva money" and enter the required amount of payment. - Transfer of funds to our account at Sberbank.
At the cash desk of any bank that accepts payments, you can transfer the repayment amount to your agreement number. It is also necessary to have a passport. The transfer fee depends on the chosen bank, and crediting takes place within 1-2 business days.
There are quite a lot of options for repaying a loan in "Viva money", you can easily choose a place and conditions convenient for you.
"Viva money" also provides a deferred payment, for which you need to contact the manager of the company, indicate your data and transfer the payment to another time.
If the payment of funds is delayed without notifying the company, the borrower pays a penalty in the amount of 20% per annum of the overdue amount for each day of delay.
Early repayment
The company "Viva money" provides borrowers with the opportunity early repayment debt in one payment, while the percentage of payments on the loan is reduced, depending on the saved time of using the loan.
If the loan amount is repaid in full within 14 days after its registration, then only interest is paid for the actual use of the loan, and there is no need to notify the company in advance.
But if you have decided to repay the loan after 14 days of use, you must notify the company 30 days before the date of payment of the entire amount. The loan interest will be reduced depending on the shortened maturity.
Viva money card
The Viva money card was created by the company for an even more convenient and quick procedure. The card belongs to the international payment Visa system and allows you to quickly make purchases by bank transfer.
It can be obtained when concluding a loan agreement, where the amount specified in the agreement will be transferred. During the validity period of the Viva money card, the company provides its free service.
With this card you can:
- pay for purchases in stores;
- pay for purchases on the Internet;
- pay bills in restaurants and cafes;
- top up your mobile phone account;
- withdraw cash from ATMs with the VISA logo;
- pay for services on my.vivadengi;
- transfer funds within Russia and the CIS.
After you have been given a card, a code word will be sent to your phone in an SMS message. It is necessary to contact the Information Center. Also, when you receive a card, you are given its personal PIN-code, when you call a special phone number.
If within 14 days you have not made a call to receive the code, you should contact the Call Center. A PIN code is required to confirm all card transactions.
Additionally, you may be asked for a three-digit CVV2-code, which is located on back side cards next to your signature.
Some transactions may incur a commission.
On the site you can register and carry out many different operations, such as replenishment of the mobile, Internet, payment of utility bills, etc.
To do this, use the number located under the barcode on the back of the card. It is also possible to control your balance and all card transactions on the site.
Having a Viva money card, you can get the next loan from the company remotely, which is quite convenient. This method of issuing microcredits is an innovation of the company, which has no analogues on the territory of Russia.
Loan payment is made by all methods listed in the corresponding paragraph.
Loan insurance information
Sometimes it happens in life Unexpected situations when the health and performance of a person may be impaired. Therefore, the company "Viva money" offers the borrower a program of voluntary insurance against diseases and accidents.
This program provides that in the event that a disability of I or II group is established as a result of injury or illness, as well as a sudden death, your loan is fully repaid within the framework of the Insurance Company.
It is carried out in the framework of cooperation with OJSC "AlfaStrakhovanie". It is completely voluntary, and sum insured is paid immediately and for the entire insurance period at the time of the conclusion of the contract.
If an event occurs, stipulated by the insurance contract, within 30 days it is necessary to notify the company "Viva money". After that, you or your representative must collect a package of documents for insured event and provide it at any office of the company.
Loyalty program for regular customers
"Viva money" has created its own policy of discounts on loan fees for regular customers. If you took out a loan and repaid it on time, then you automatically became a participant in this program.
With the number of repaid loans, the size of the discount on the interest on the loan grows, which will be equal to 99% when 36 loans are issued.
Already with the fourth loan, the company has the first discount of 3%, which increases by 3% with each new microcredit. Therefore, being a regular customer of "Viva money" is very profitable.
Viva Money is a microfinance company. She introduced a number of innovations in this area - issuing her own card, voluntary insurance borrower, loyalty program, etc. Timely loan repayment is a guarantee of further cooperation with "Viva money".
Video: "VIVA money" company
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Loan repayment by credit card VISA or MasterCard is one of the convenient ways return of borrowed funds to VIVA Money. After all, it is quite simple to get a card (for this, it is enough to contact a bank branch with a passport).
Payment by credit card is made without commission, and funds are credited to the account instantly.
Payment on the Company's website.
To repay a loan online using a card on the VIVA Money website, you need to know your agreement number and follow several steps, after which the money will be credited to your account.
Step 1
On the right side of the top menu on the Company's website there is a button "Repay a loan", click on it with the mouse. After that, a lot of icons will appear on the screen with possible options repayment. From them you will need to select the icon with the name " Online payment bank card "(VISA / MasterCard) and click on it with the left mouse button. In the fields that appear, you must specify the agreement number and the amount that you will deposit into the account, and click the" Proceed to payment "button.
Step 2
The system will automatically take you to the next step. At this stage, you will need to check the agreement number, the amount of the payment and confirm your actions by clicking the "Proceed to payment" button.
Step 3
Now the system will ask you to enter your payment card details (card number, expiration date, CVC / CVV2 code) and mobile phone number. After filling in the fields, you must confirm your actions by clicking the "Pay" button.
Step 4
If you have activated the SMS-informing service, the system will confirm the payment by sending the payment details to your number. The data will be sent only after your confirmation. To carry out the operation, you will need to enter the password sent to your phone and confirm the payment for the service.
Step 5
This stage avoids the question "How to check the loan repayment?" If the actions are performed correctly, an image will appear on the screen stating that the payment was successful. If you wish, you can print the receipt by clicking on the "Print receipt" button or send it by e-mail.
If even after receiving an SMS you are still interested in the question "How to check if the loan has been repaid?"