Microcredit company leader. MFI Leader: application for a loan, reviews
Favorable loans Leader online on the map allow you to best meet the needs of various categories of citizens. They are issued using one document - a passport. At the same time, the client does not have to wait for a final answer for several working days. The average processing time for one client request is 10 minutes. Money is transferred to the borrower's account instantly.
Features of the provision
Express loans are convenient to receive and use. In this case, all necessary operations are carried out through the website of the MFI. An online application for a loan Leader takes into account the main needs of applicants and contains only the necessary information. You can enter personal information from the mobile and regular versions of the site. At the same time, it is recommended to provide only real information, contacts, as well as information about current sources of income. All this list will allow the company to select the optimal tariff.
Processing of current applications takes place in virtual mode. Automated systems do not ask for a detailed credit history of the client, so the number of refusals for these offers is significantly reduced. If a positive response is received, the service notifies the client by phone or e-mail.
Ways to receive funds
It is possible to quickly take a microloan Leader with the help of bank card or e-wallet. Also, non-cash transfers to settlement accounts and special payment systems are available to users. The courier of the MFI leader will arrive to conclude an agreement (in the event that the application was submitted via phone). Of course, such operations are not subject to additional margins.
Since the most popular way to receive funds is through plastic card, then here you need to pay attention to the fact that the product entered in the MFI database must be active. This factor is checked by deducting a small amount from the client's account. sum of money(about 10 rubles), which is subsequently returned to the card in full.
Where can I get a loan from mobcredit?
Our electronic resource will help you get a loan on attractive terms. Its pages contain data on the most trusted companies and services, as well as tariffs, active shares and bonus programs. We strive to reach a solution difficult questions the most flexible way. The portal cooperates only with verified MFIs and periodically update the content, while compiling an active schedule with which it is possible to track the validity of a particular service. Anyone can also access the site!
The company positions itself as a new type of microfinance organization - it does not work with collectors, makes a decision within 10 minutes, approves 95% of applications. Here are special offers for regular customers, an unlimited number of prolongations, affordable and convenient ways to receive and repay microcredits. In addition, you can apply online application to the Leader via the Internet or by phone. Minimum requirements for borrowers and minimum documents. Next, we will consider all these points in more detail.
You can get a loan from Leader if you meet the basic requirements of the company, namely:
- the presence of citizenship of the Russian Federation;
- age from 20 to 70 years;
- permanent registration and residence in St. Petersburg or on the territory of the Leningrad Region;
- a permanent source of income (work) and proof of work experience of at least the last 3 months.
You will not need a package of documents, collateral or guarantors. The entire registration procedure is extremely simple and takes a minimum of time.
What the company offers
You can get a loan from the Leader at one of the presented rates:
To apply for a loan at some rates, you will need an additional document.
How to apply for a loan in Leader
To do this, you need to follow a few simple steps:
- Fill out the form and send an online application to the Leader or contact by phone and provide the necessary information about yourself.
- Wait for the company's response - usually the company notifies you of the decision within 20 minutes.
- If approved, you will receive the money in a convenient way within a few minutes.
So you can take an online loan from the Leader on the day you apply - within 30 minutes from the moment you send the application.
Ways to get a loan
You can get an online loan in the Leader in the following ways:
- cash at service points money transfers CONTACT;
- to a bank account;
- on the online wallet;
- in the office of the company in cash;
- courier service with delivery to a convenient place.
You only need to choose a convenient and affordable way for you and get the required amount.
Loan repayment methods
It is possible to extinguish microcdeitis different ways- it:
- in the office of the company;
- in any convenient place, having agreed with the operator about a meeting with the courier;
- at Leader terminals;
- from an electronic wallet;
- through the money transfer system CONTACT.
All payment methods listed above are free of charge.
- plastic card;
- to the settlement account of the Leader company according to the details.
Payment through these systems involves a commission at the rates of your bank.
- Payment through Qiwi terminals with a commission of 2% of the amount.
As you can see for yourself, the MFI provides many ways to receive and repay an online loan to the Leader, which is very convenient. The company also provides an unlimited number of renewals.
Official site
For more detailed information you just need to go to the official site Leader. Here you can find various tariffs and information about the conditions of microcredit. There are also basic documents here - the rules for granting a loan, an agreement and others. Here you can also order a call to clarify the points you are interested in, or immediately send an online application to the Leader for a microloan.
Microcredit company "Leader" works according to European quality standards. They openly declare that they do not cooperate with collection agencies. On the contrary, communication with clients is based on mutual respect and understanding. Using the services of the ICC "Leader", you will be able to receive financial support in the shortest possible time to solve any life situation.
To receive, specify the required amount and repayment period and click the "Apply a loan" button. In order to start filling out an application, indicate your mobile phone number, which will be your login when entering your Personal Area. The password will be sent to you via SMS. After filling out an application and waiting for a positive decision, you will only have to meet with the courier of the company and sign the contract.
On the site you can also find the news column of this service, which publishes information about upcoming promotions and special offers. Below are customer reviews about the work of the ICC.
The list of documents for review is in the "About the company" tab. Additional questions can be asked to the consultant by calling the dedicated customer support number.
MFO "Leader" is a Russian microfinance organization officially registered in the Register of MFOs in 2012. The peculiarity of this MFI is that it completely refused to cooperate with collectors.
All interactions with clients are carried out according to European standards. Available 9 tariff plans that satisfy any need for money. How to get a microloan from MFO "Leader" and what is required for this?
Tariff plans
One of the advantages of this microcredit company is the variety of tariff plans available to borrowers:
Rate | Amount, rub. | Loan term, days | Rate, per day | Appeal |
Standard | Up to 30,000 | 5 to 30 | 1,9% | First |
Partner | From 1,000 to 20,000 | 5 to 20 | 2,15% | First |
fast money | Up to 5 000 | 5 to 30 | 2,15% | First |
pension | From 6,000 to 10,000 | 5 to 30 | 1,8% | First |
For their | Up to 30,000 | 5 to 30 | 1,7% | Repeated |
For your + | From 1,000 to 30,000 | 5 to 30 | 1,4% | Fourth and beyond |
elevated | From 35,000 to 600,000 | 5 to 70 | 0,87% | After the tariff "For own +" |
5000 at 0% | 5000 | 1 to 5 | 0%, from the 6th day - 2% | First |
Autolog | From 50,000 to 150,000 | Up to 70 | 0,22% | Title Pledge |
You can find out more about the features of each of the above tariffs below.
Plan "Standard"
The best offer, within which you can get money up to wages, for urgent purchase or other consumer purposes. This tariff is the most popular among customers.
Borrowers who received a microloan under this program twice, and fully repaid these two debts in set time, get access to the offer "For their own" on much more favorable terms.
Partner Plan
This program is notable for the fact that all residents have access to it. Russian Federation, and not only those who are registered in St. Petersburg or Leningrad region.
A smaller amount is available for receipt and for a shorter period of time compared to the previous tariff, however, these conditions will also seem acceptable to residents of the regions. You also need to pay attention to the increased interest rate - higher by 0.25%.
Fast Money Plan
The best option for clients who prefer to get a loan from MFI "Leader" in cash or on a card in a small amount. A good choice if you do not have enough to pay utility bills, the Internet, television or other not very expensive services.
The return period is up to 30 days. It is very difficult to overstay such a small payment for this period. You can always use the prolongation - the number of attempts is not limited.
Plan "Pension"
Persons who have their own pension certificate can take advantage of a beneficial preferential loan at the “Pension” tariff. It is notable for its reduced interest rate compared to standard microloans.
This offer is available on the first call. To receive money, a passport and a pension certificate are enough. There is a possibility of unlimited prolongation, collateral and guarantee of third parties are not needed.
Plan "For your own"
This is the first of three loyalty programs for clients who have shown themselves to be responsible and reliable borrowers. All persons who have successfully repaid at least one debt under one of the following programs can use this tariff - "Standard", "Pension", "Long waited".
It is noteworthy that the loyalty program is also available to customers who overdue the payment by no more than 6 days, but later repaid it ahead of schedule.
Plan "For your +"
Much more profitable program loyalty compared to the previous one. It is automatically accessed by borrowers who have successfully repaid the loan at least four times in a row at one of the tariffs - "For friends", "Standard", "Pension". The interest rate in this offer is one of the lowest - only 1.4% per day. The tariff is aimed at customers who are responsible for money and pay off debts on time.
Plan "Elevated"
The most advanced loyalty program that can only be upgraded from the previous offer, namely "For their +". A microloan with a record low rate of only 0.22% per day can be used by those clients who repaid the loan under the program on time and in full "For their +".
In addition to this condition, it is required to have a permanent registration on the territory of St. Petersburg or the Leningrad Region.
Plan "5000 at 0%"
Those wishing to take advantage of a preferential microcredit can apply for a microcredit in the "Leader" under this offer. Its advantage lies in grace period, which lasts the first 5 days of repayment.
At that time interest rate not credited to the balance of the debt. It is introduced only from the sixth day, and its size is 2% per day. Tariff extension is not available. The loan can only be used once.
Plan "Autodeposit"
The largest loan from an MFI available on the security of a passport vehicle. At the same time, the car remains with the borrower, no restrictions are imposed on it. You can get a loan only on the security of a car with market value above 100,000 rubles.
The car must not have restrictions and must not be pledged in another credit institution. There is no extension for this offer.
Who is eligible for loans?
Any person who has a mobile phone number and a passport can apply for a loan online at the MFI "Leader". But besides this, you also need to meet a number of specific requirements of MFIs for their clients:
- the presence of citizenship of the Russian Federation;
- for all tariffs, except for "Partner", - registration or registration in St. Petersburg or Leningrad Region;
- age at the date of sending the borrower's questionnaire - at least 20 years;
- age at the date of debt repayment - no more than 70 years;
- the presence of a permanent place of employment with an experience of three months;
- a source of stable income to pay off debt.
There are no additional requirements for clients. We can confidently say that microloans in this MFI are indeed highly affordable, even despite income and employment requirements.
How to apply for a loan?
Making a microloan at the MFI "Leader" will not cause problems even for those who have never applied to such organizations. The official website of this company has a convenient loan calculator. In two scales, you need to set the amount of the microloan and its repayment period.
The deadline for repayment of the debt and the full cost of the microcredit are displayed below. After the conditions are selected, it remains to click on the blue button “Apply a loan”.
After clicking on the button, a window opens in which the new client needs to indicate his phone number for registration. Existing customers check the box bottom point, paste the code in the field that appears and click on the "Get password" button.
After confirming the code, new customers are offered a questionnaire. It must be filled in with personal and passport data, and then sent to the lender for consideration.
The Company guarantees that the rate, overpayment and maturity always remain the same as specified in loan calculator when choosing the terms of microcredit. There are no additional payments here.
Are documents required?
To apply for a microloan at any of the available rates, you will definitely need a passport of a citizen of the Russian Federation. Depending on the specifics of a particular offer, additional documents may be required:
- for the loan "Pension" - a pension certificate;
- for the loan "Avtozalog" - the passport of the vehicle.
Proof of official income and employment is not required, which simplifies the task of obtaining money.
How to receive the money?
The organization cares about the comfort of its customers, and for this reason it offers six ways to withdraw money at once after the approval of the application. Each of the options is convenient in its own way, you can use any of them:
- At the MFI office in cash. To receive money in this way, it is enough to contact the office of the company. This can be done immediately after the application is approved. Funds are issued without commission.
- At CONTACT service points. You need to take your passport with you and contact any of the numerous CONTACT service points. Money is issued after presentation of a passport and transfer number.
- At LEADER service points. This method is similar to the previous one, only you need to contact one of the points of the LEADER money transfer system. Be sure to take your passport, transfer number.
- To a bank account. Not the fastest way, as it can take up to three or more business days for funds to be credited. However, when there is no alternative, the method is quite suitable.
- To an electronic wallet. A microcredit company quickly withdraws funds to electronic wallets of such popular systems as Yandex.Money and QIWI. No withdrawal fee is charged.
The final sixth method is cash delivery by courier. This method is available only to residents of the city of St. Petersburg. Money is delivered as quickly as possible - you can get it right on the day of treatment.
Unfortunately, it is currently impossible to apply for an online loan at the Leader MFI on a card. However, other methods are an excellent alternative to transferring to a bank card, and quickly and without commission.
How to return a debt?
You can pay off the debt opened in the microfinance company in question in a variety of convenient ways. First of all, we will look at repayment options that do not require you to go anywhere:
- Courier. You can call a courier by contacting the operator at the contact number of the company. No commission is charged. The meeting point is anywhere in St. Petersburg, there are no time limits.
- Payment by card. To pay off a debt with a card, you need to log in to your personal account on the MFI website and select repayment from a bank card. The commission is charged at the rate of the bank. Enrollment immediately.
- Payment account. To pay off a debt from a current account, you need to know the details of a microfinance organization. The commission is charged in accordance with the tariff of the bank in which the current account is opened.
- Electronic money. You can pay off the debt from the wallet in the Yandex.Money or QIWI system. In this case, no commission is charged, and you can use this method of repayment at any time of the day.
These methods are convenient in that you can use them without leaving your own home, and this is a big plus.
It should be noted other ways to pay off debt, which will require a little time for themselves:
- In the office. Convenient way repayment without commission. All you need is to visit the MFI office with money.
- Terminals LEADER. No commission fee cash are credited instantly.
- QIWI terminals. Any terminal of the QIWI system is suitable for repayment. Commission - 2% of the payment.
- Service points. You can use the service points of LEADER and CONTACT systems.
You can repay the debt both in accordance with the individual repayment schedule, and ahead of schedule. There is a possibility of partial and full repayment. Both options reduce the overpayment and make the loan more profitable.
It is strongly recommended that you pay the amount to pay the debt, without waiting for the deadline for payment. It is better to pay 2-3 days before the due date in order to prevent technical delay of the debt.
Benefits of MFIs
The MFI has been operating in the microcredit market for six years in a row, and during this time it has gained a lot of experience. It helps her to better serve her clients and offer borrowers the following benefits:
- minimum documents - for registration of almost all loans, only a passport is needed;
- many ways to receive money and pay off debts in the shortest possible time;
- quick decision-making on the application - the lender takes no more than 20 minutes;
- the presence of three preferential programs microcredit for regular borrowers;
The advantages include the absence of the need for guarantors and collateral, except for the Autopledge program.
Flaws
The main disadvantage of MFIs is the availability of loans only to residents of St. Petersburg and the Leningrad Region. In addition, this microcredit organization has other serious disadvantages:
- the interest rate is on average higher than that of other MFIs in the market - 2.15% per day;
- the need to confirm official earnings and employment;
- a small number of positive reviews about the activities of the organization.
Perhaps the main drawback of the organization in question is the inability to get a loan from the Leader MFI on a card. No other significant disadvantages were found, and there are many alternative methods of repayment.