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Микрозаймы на 1000 рублей одобряют практически всем заемщикам. Сумма небольшая и МФО охотно находят новых клиентов. Кредитные средства переводятся моментально, для оформления понадобится только паспорт и мобильный телефон.

Требования к заемщику

Заемщику нужно соответствовать простым требованиям для получения займа на карту от 1 тыс. рублей:

  • Возраст 18—75 лет;
  • Действующий паспорт РФ и российское гражданство;
  • Регистрация в любом регионе;
  • Источник дохода, в том числе, неофициальный;
  • Закрытые судимости, отсутствие исполнительных производств по кредитам.

Кредиторы запрашивают дополнительную информацию: о месте работы, контактных данных близких, друзей и коллег, других кредитных обязательствах и т. д. Чем больше информации оставит о себе клиент, тем выше шанс положительного решения по заявке на онлайн-займ.

Способы получения займа и погашения долговых обязательств

МФО предлагают взять займ одним из способов:

  • Получить деньги на карту. Зачисление проходит моментально, комиссии за выдачу нет. При подключенном мобильном банке заемщик получает СМС-уведомление.
  • Займ от 1000 рублей на кошелек Киви, Яндекс-Деньги. Микрокредиты на электронные кошельки тоже приходят моментально и без комиссий. Уведомление об отправке средств по СМС от кредитора.
  • Наличными в офисе. Способ действует в компаниях с наземными офисами.
  • Денежным переводом. Редко используется для микрозаймов на небольшие суммы. Деньги поступают в течение одного рабочего дня, выдаются по паспорту и секретному идентификационному коду.

Погасить задолженность можно теми же способами. Комиссии взимаются при переводах с электронных кошельков (редко) и через денежные системы. Погашение через систему переводов, платежные терминалы зачисляется с задержкой в 1—2 рабочих дня. Важно не задерживать платеж. Просрочка по быстрому кредиту дает компании право начисления штрафов, пеней. При длительной задержке платежа информация о заемщике передается в БКИ.