Microcredit company leader. MFI Leader: loan application, reviews
Advantageous loans Leader online at stake allows 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 business 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. Moreover, all necessary operations are carried out through the MFI website. The online application for a loan. The Leader takes into account the basic needs of applicants and contains only the necessary information. You can enter personal information from the mobile and regular versions of the site. It is recommended that you provide only real information, contacts, as well as information about current sources of income. This entire list will allow the company to engage in the selection of the optimal tariff.
Processing of current applications takes place in virtual mode. Automated systems do not request a detailed credit history of a client, therefore the number of refusals on these offers has been significantly reduced. In the case of a positive response, the service notifies the client by phone or email.
Methods for receiving cash
Quickly pick up a microloan Leader is possible with a bank card or electronic wallet. Also, non-cash transfers to current accounts and special payment systems are available to users. The MFI courier leader will drive up to conclude an agreement (if the application was submitted via telephone). Of course, such operations are not subject to additional margins.
Since the most popular is the method of obtaining funds using a plastic card, here you need to pay attention to the fact that the product entered into the MFI database must be active. This factor is checked by debiting a small amount of money (about 10 rubles) from the client’s account, which is subsequently returned to the card in full.
Where to 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, current promotions and bonus programs. We strive to approach complex issues in the most flexible way. The portal cooperates only with trusted MFIs and periodically updates the content, creating an active schedule, with which it is possible to track the validity of a particular service. Anyone can also get access to the site!
The company positions itself as a microfinance organization of a new type - it does not work with collectors, makes a decision within 10 minutes, approves 95% of applications. It provides special offers for regular customers, an unlimited number of prolongations, affordable and convenient ways of obtaining and repaying microloans. In addition, you can submit an online application to the Leader via the Internet or by phone. Minimum requirements for borrowers and a minimum of documents. Next, we consider all these points in more detail.
You can get a loan to the 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 accommodation in St. Petersburg or in the territory of the Leningrad Region;
- permanent source of income (work) and proof of experience of at least 3 recent months.
You do not need a package of documents, a pledge or guarantors. The whole process of registration is extremely simple and takes a minimum of time.
What the company offers
You can get a loan to the Leader at one of the presented rates:
To obtain a loan at some rates, an additional document is required.
How to apply for a loan in Leader
To do this, you need to follow a few simple steps:
- Fill out the questionnaire and send an online application to the Leader or apply by phone and provide the necessary information about yourself.
- Wait for the response of the company - 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 to the Leader on the day of contact - within 30 minutes from the date of application submission.
How to get a loan
You can get an online loan in the Leader in the following ways:
- in cash at CONTACT money transfer service points;
- to a bank account;
- to an electronic wallet;
- in the office of the company in cash;
- courier service with delivery to a convenient location.
You only need to choose a convenient and affordable way for you and get the necessary amount.
Loan repayment methods
You can pay off microdeit in various ways - these are:
- at the office of the company;
- in any convenient place, having agreed with the operator to meet with the courier;
- in Leader terminals;
- from an electronic wallet;
- according to the CONTACT money transfer system.
Payment by all the above methods is made without commission.
- plastic card;
- to the bank account of the company Leader in details.
Payment by these systems involves a commission on the tariffs of your bank.
- Payment through Qiwi terminals with a commission of 2% of the amount.
As you can see for yourself, MFIs provide many ways to get and return an online loan to the Leader, which is very convenient. The company also provides an unlimited number of extensions.
Official site
For more detailed information, you just need to go to the official website of the Leader. Here are various tariffs and information on microcredit conditions. There are also basic documents - loan rules, contract 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 are not cooperating with collection offices. On the contrary, communication with customers is based on mutual respect and understanding. Using the services of the ICC "Leader", you can as soon as possible receive financial support to solve any life situation.
To receive, indicate the required amount and the repayment period and click the "Apply for a loan" button. In order to start filling out an application, indicate your mobile phone number, which will be the login when entering your personal account. The password for it will come to you via SMS. Having filled out an application and waiting for a positive decision, you just 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 of the work of the IWC.
The list of documents for familiarization is in the tab “About the company”. Additional questions can be asked to the consultant by a special customer support phone number.
MFI “Leader” is a Russian microfinance organization officially registered in the Register of MFIs in 2012. The peculiarity of this MFI is that it completely refused to cooperate with collectors.
All customer interactions are carried out according to European standards. There are 9 tariff plans available that satisfy any need for money. How to get a microloan in the MFI “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 | 1,000 to 20,000 | 5 to 20 | 2,15% | First |
Fast money | Up to 5,000 | 5 to 30 | 2,15% | First |
Retirement | 6,000 to 10,000 | 5 to 30 | 1,8% | First |
For their | Up to 30,000 | 5 to 30 | 1,7% | Re |
For their + | 1,000 to 30,000 | 5 to 30 | 1,4% | Fourth and forth |
Elevated | 35,000 to 600,000 | 5 to 70 | 0,87% | After the tariff "For their +" |
5000 at 0% | 5000 | 1 to 5 | 0%, from the 6th day - 2% | First |
Auto Pledge | 50,000 to 150,000 | Up to 70 | 0,22% | Pledge of TCP |
You can find out more about the features of each of the above rates below.
Standard Plan
The best offer, within which you can get money before wages, for an urgent purchase or other consumer purposes. This tariff is most in demand among customers.
Borrowers who have received a microloan under this program twice, and have fully paid off these two debts by the due date, get access to the offer “For their own” on much more favorable terms.
Partner Plan
This program is noteworthy in that all residents of the Russian Federation have access to it, and not just those who are registered in St. Petersburg or the Leningrad Region.
A smaller amount and for a shorter period of time is available, compared with the previous tariff, however, these conditions will 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 customers who prefer to get a loan at the MFI “Leader” in cash or on a card in a small amount. A good choice if there is not enough to pay for utility services, Internet, television or other not very expensive services.
A return period of up to 30 days is given. Delaying such a small payment for this period is very difficult. You can always use the extension - the number of attempts is not limited.
Pension Plan
Persons with their own pension certificate can take advantage of a favorable soft loan at the rate of “Pension”. It is notable for the reduced rate compared to standard microloans.
This offer is available on first call. To receive money, a passport and a pension certificate are enough. There is the possibility of unlimited prolongation, a pledge and surety of third parties are not needed.
Plan for your
This is the first of three customer loyalty programs that have proven themselves to be responsible and reliable borrowers. This tariff can be used by all persons who have successfully repaid at least one debt under one of the following programs - “Standard”, “Pension”, “Long waited”.
It is noteworthy that the loyalty program is also available to customers who have delayed payment by no more than 6 days, but later redeemed it ahead of schedule.
Plan for your +
A much more profitable loyalty program compared to the previous one. It is automatically accessed by borrowers who have successfully repaid a loan at least four times in a row at one of the tariffs - "For their", "Standard", "Pension". The interest rate in this proposal is one of the lowest - only 1.4% per day. The tariff is aimed at customers who take money responsibly and close debts on time.
Advanced Plan
The most advanced loyalty program, which you can go only from the previous offer, namely "For their +". Clients with a record low rate of only 0.22% per day can use those customers who repaid the loan under the program on time and in full. "For their +".
In addition to this condition, it is required to have permanent registration on the territory of St. Petersburg or the Leningrad Region.
Plan “5000 at 0%”
Those wishing to take advantage of a preferential microloan can apply for a microloan in Leader on this offer. Its advantage lies in the grace period, which lasts the first 5 days of repayment.
At this time, the interest rate on the remaining debt is not charged. It is introduced only from the sixth day, and its size is 2% per day. Extension by tariff is not available. You can use the loan only once.
Auto Pledge Plan
The largest loan from an MFI, available on the security of a vehicle passport. In this case, 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 a market value above 100 000 rubles.
Auto should not have restrictions and should not be secured by another credit institution. The extension of this proposal is not foreseen.
Who is available for loans?
Every person who has a mobile phone number and passport can apply online for a loan at the Leader MFI. But in addition to this, it is also necessary to approach 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 Oblast;
- age at the date of sending the borrower 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;
- availability of a source of stable income for debt repayment.
There are no additional customer requirements. We can confidently say that microloans in this MFI are indeed highly accessible, despite the requirements for income and employment.
How to apply for a loan?
Making a microloan in the MFI “Leader” will not cause problems even for those who have never applied to such organizations. On the official website of this company there is a convenient loan calculator. In two scales you need to set the amount of the microloan and its repayment term.
Below is the deadline for repaying the debt and the full cost of the microloan. After the conditions are selected, it remains to click on the blue button “Apply for 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 tick the bottom item, insert the code in the field that appears and click on the "Get Password" button.
After confirming the code, a new profile is offered to new customers. It must be filled in with personal and passport data, and then sent to the creditor for consideration.
The company guarantees that the rate, overpayment and maturity always remain the same as indicated in the loan calculator when choosing microcredit conditions. There are no additional payments.
Do I need documents?
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 particular proposal, additional documents may be required:
- for a Pension loan - a pension certificate;
- for a loan “Auto Pledge” - vehicle passport.
Confirmation of official income and employment is not required, which simplifies the task of obtaining money.
How to receive the money?
The organization takes care of the comfort of its customers, and for this reason, it offers immediately six ways to withdraw money after approval of the application. Each of the options is convenient in its own way; you can use any of them:
- In an 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 must take your passport with you and contact any of the many CONTACT service points. Money is issued after presentation of the passport and transfer number.
- In service points LEADER. 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, since it can take up to three or more business days to deposit funds. 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 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 issue an online loan at the Leader MFI on a card. However, other methods are a great alternative to transferring to a bank card, and quickly and without commission.
How to repay a debt?
You can repay the debt opened in the microfinance company in question in a lot of convenient ways. First of all, we will consider repayment options that do not require you to go anywhere:
- Courier. You can call the courier by contacting the operator on the contact phone number of the company. No commission is charged. The meeting place is anywhere in St. Petersburg, there are no time limits.
- Payment by card. To pay off the debt with a card, you need to log in to your personal account on the MFI’s website and select repayment from a credit card. Commission is charged at the bank rate. Enrollment right away.
- Checking account. To repay 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 the debt from the wallet in the Yandex.Money or QIWI system. Moreover, 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 of paying off debt that require a little time:
- In the office. Convenient repayment method without commission. All you need is to visit an MFI office with money.
- Terminals LEADER. There is no commission fee; funds are credited instantly.
- QIWI Terminals. Any QIWI terminal is suitable for repayment. Commission - 2% of the payment.
- Service points. You can use the service points of the LEADER and CONTACT systems.
You can pay off debt in accordance with an individual repayment schedule, and ahead of schedule. There is a possibility of partial and full repayment. Both options reduce overpayment and make a loan more profitable.
It is strongly recommended that you pay the amount in debt, without waiting for the deadline for payment. It is better to pay 2-3 days before the due date to prevent technical arrears.
Benefits of MFIs
MFIs have been operating in the microcredit market for six consecutive years, and during that time they gained a lot of experience. It helps her better manage customer service and offer borrowers the following benefits:
- minimum of documents - for registration of almost all loans you only need a passport;
- many ways to get money and pay off debt as soon as possible;
- quick decision-making on the application - it takes the creditor no more than 20 minutes;
- the presence of three concessional microcredit programs for regular borrowers at once;
The pluses include the absence of the need for guarantors and collateral, except for the AutoPledge program.
disadvantages
The main drawback 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 the rest of the MFIs in the market - 2.15% per day;
- the need to confirm official earnings and employment;
- a small number of positive reviews about the organization.
Perhaps the main drawback of the organization in question is the inability to issue a loan at the MFI “Leader” on the card. No other significant disadvantages were found, and there are many alternative repayment methods.