Ekapusta service is loyal to both new and regular borrowers. If in the process of fulfilling debt obligations you did not violate the loan conditions - the money was returned without delay, the system will automatically increase your credit rating. Guaranteed to get a second loan in Ekapust can only solvent customers with an impeccable reputation. Special rates apply for them - maximum amount Deputy and long term use money. Repeated application does not require registration and filling out a questionnaire. You only need to log in to your account.
Loan term for Ekapust repeat customer
If at the first application the borrower can receive money without interest (the company often holds shares on loans at a 0% rate, but with restrictions in the amount), then the standard conditions apply to the repeat customer. Due to the fact that you regularly paid the debt, they can approve you maximum limit in the amount of 30 thousand rubles for up to 21 days. Interest rate for repeat customers is charged at a rate of 1.5% per day. It is worth remembering that in case of delay or early repayment loan there is a high probability of refusal to re-loan. Therefore, try to adhere to the established debt repayment schedule.
How to apply for a re-microloan in Ekapusta
With a good credit history and timely closure of the first loan, you can count on re-applying with high percentage endorsement. To file a loan application again, you don’t have to spend a lot of time. For registered users in the system, the re-appeal procedure is simplified. On the home page Ekapust official site use the authorization form - enter the username and password from account. After gaining access to personal Area, choose the parameters of the new loan - the amount, term and method of obtaining money, wait for a decision from the MFI.
When applying for a re-loan in Ekapusta you will not have to indicate personal information, passport details, etc. All this is already in the company database. After receiving SMS notification of a positive decision, the borrowed funds will be credited to the account.
One of the features of E-cabbage is cooperation with all customers. The percentage of positive responses for applications is more than 90%. In the amount of up to 1 thousand rubles. even those who have debts in other microfinance organizations or banks can count. Moreover, the company offers a wide range of options for obtaining borrowed money. Not only to a bank card, but also to electronic wallets and even systems money transfers, that is, you can get the requested amount in cash.
E-cabbage also boasts extremely simple requirements for potential customers. Only a passport is required for identification. Neither confirmation of the availability of official employment, nor a certificate of income, nor data on the state of the family — all this is needed.
Microloan conditions in "E-cabbage"
A microloan E-cabbage offers to receive literally 10 minutes from the date of registration. Moreover, you can fill out several applications at once (but only for those customers who have previously used the service). Moreover, each responsible customer who actively uses the services of E-cabbage and repays loans in a timely manner can expect to expand line of credit and reduction of the total interest rate - these indicators for each user are calculated individually.
Amount
At the moment, "E-cabbage" offers to receive from 100 to 30 thousand rubles. The total amount is calculated individually based on the solvency of the user (the algorithm used for the calculation is not disclosed - this information is a trade secret). The amount is quite large when compared with the proposals of other microfinance organizations (for which the limit rarely exceeds 15–20 thousand rubles).
Loan terms
Loans are provided for a period of 7 to 21 days inclusive. At the same time, each user has the right to request a prolongation of the payment of debt, that is, an increase in the allowable period for the return of funds. In this case, no penalties are charged, but you will need to immediately pay off the debt on accrued interest.
It must be noted that 7 days is minimum term providing credit funds. Even if the client can return the money earlier (for example, after 2 days), then he will have to pay interest for 7 days. This restriction is specified in the terms of the contract on the official website.
The basic interest rate is 2.1% per day. This is slightly higher than in other MFIs, but in return E-Cabbage puts forward minimum requirements for potential clients. The probability of obtaining a loan is very high.
On the this moment there is also a promotion under the terms of which the first loan is provided free of charge. But only on condition that its return will be completed in a timely manner. If you allow an delay of at least 1 day, then you will have to return the interest accrued for the entire term of the loan.
On the main page of the service https://ekapusta.com/ there is a convenient interactive calculator where you can choose the required amount and the period for which it will be provided, and the amount of accrued interest (which you won’t need to return on the first loan) will be indicated there.
Borrower Requirements
Requirements for a potential borrower in E-cabbage are standard for most MFIs:
- age - from 18 years;
- documents - only the passport of a citizen of the Russian Federation with a permanent place of registration (and the corresponding mark in the document).
No plan requirements credit rating microfinance organization does not put forward. There are reviews on the forums indicating that it was possible to take out a loan even with a ratio of less than 400 (many MFIs indicate just such an indicator as minimum acceptable for cooperation).
To receive money, each client is required to undergo an identification procedure. To do this, you need to upload a scan copy or photo of a document with a photo (optional passport, it can be a driver’s license, military ID, and so on).
How to get a microloan - a sequence of actions
The application for a loan is carried out exclusively online, without visiting the office or representative office of the company. All that is needed is to fill out a questionnaire. First of all, you need to use the interactive form to select the desired amount and loan term on the page https://ekapusta.com/.
- surname, name, patronymic;
- date of birth;
- unit code, series and passport number (only the Russian Federation issued in other countries or a passport will not work);
- by whom and when the passport was issued (indicate as written in the passport);
- place of birth (according to passport);
- valid cell number and electronic mail box (subsequently used to register a user profile);
- income information (without documentary evidence, you need to specify the approximate monthly income and total family income);
- place of registration and residence (indicate 2 addresses if registration and place of residence are different);
- links to profiles of social networks (optional, but desirable to provide - this increases the likelihood of a positive response on the application);
- credit history data (whether there are loans, debts, without documentary evidence).
After considering the preliminary application and receiving a positive response, you will still need to download scanned copies of your passport or any other document for identification. The application itself is considered literally within 5-10 minutes, including after hours.
E-cabbage loans online offers to receive in various ways. You can use not only a credit card, but also a traditional transfer, electronic wallets, money transfer systems.
The most popular option. There are no commissions for transferring funds from E-Cabbage, but the issuing bank that issued it to the client can charge it payment card. Money is credited to the account within one daylight hours (most often, within 5-10 minutes after sending the funds). Only those cards that have been issued and activated on the territory are supported. Russian Federation (including the "WORLD").
Bank account
The best option for those customers who do not have bank cardand money is needed in cash. The transfer is available to all banks open in the Russian Federation. No commission from the side, no from the bank - up to 2%.
"Yandex money"
One of the most popular electronic wallets. Standard fee is charged for the transfer. payment system - 0.5%, but not less than 1 penny. Money comes instantly, in very rare cases - within one hour. It is worth considering that for cashing out funds from the Yandex wallet additional commission at 3%.
QIWI
The standard commission is 1%. Money comes instantly, but the client must have an identified account, that is, it will be necessary to send scanned copies of the passport or other documents for identification. For subsequent cash withdrawal, you will have to pay an additional 2% + 50 rubles. (in some Kiwi partner banks this commission is absent).
"Contact"
Money transfer system that allows you to receive money in cash. The commission for the transfer from the payment system directly depends on the amount of transfer. In most cases, up to 300 rubles. Information should be specified directly in Contact. But through this system you can get money immediately in currency, if necessary.
"Gold Crown"
Commission - from 0.5%, depends on the amount of the transfer, as well as the region of residence of the payee. You can receive the transfer immediately in currency.
Debt repayment methods
At the moment, you can pay off the debt using:
- bank card;
- qiwi e-wallet;
- payment system "Yandex money";
- money transfer systems "Contact";
- money transfer systems gold Crown»;
- transfer to a bank account;
- in partner networks of Svyaznoy, as well as Euroset (not in all regions).
Transfer fee is standard, according to the terms of the payment system used. All necessary details will be available at personal online account client "E-cabbage" (access is granted after registration).
MFI "E-Cabbage" - one of the very first companies at Russian market financial serviceswhich began to provide small amounts to people to solve their financial problems. Moreover, Ekapust provides the first loan for free, which means that with a timely return, you will not need to pay interest on the use of money. You will receive money quickly, without unnecessary checks and without unnecessary calls. The loan is transferred to the card, to Yandex Money, to a bank account, via Contact system, to the Golden Crown card or to the Qiwi Wallet. There are no special requirements for the borrower, a microloan is issued even with a bad credit history, you only need a Russian passport, a permanent residence permit and an age of 18 years or more.
MAIN ADVANTAGES OF MCO "Ekapusta"
The site is accessible from any device
Filling out an application takes only 10 minutes
Trust in regular customers
Confidentiality and Security
Loans are available throughout Russia
The ability to take a loan at any time of the day and any day of the week
Instant solution
Many ways to get money
Your bank card is not required during registration
Many ways to repay a loan
General conditions and requirements for the borrower
Requirements for the borrower:
Age from 18 to 75 years; Permanent registration in any region of the Russian Federation; Any credit history
Terms of receipt:
The first loan of up to 10,000 rubles is issued at a rate of 0% in case of timely repayment; Interest rate on loans from 30 to 360% per annum, for consumer loans and credit cards - from 17 to 31% per annum. In case of violation of the deadlines, the amount of the penalty is 0.10% of the delayed amount per day, but not more than 10% of the loan amount; In case of a long delay in payment, the information will be transmitted to the BKI
Consequences of non-payment of borrowed funds:
In case of failure to return the loan amount or interest for use within the agreed period borrowed funds the creditor is forced to charge a late payment penalty. Most lenders make concessions and give 3 extra working days to pay. They are provided in case, for example, if bank transfer took longer than usual. However, if you do not receive any reaction from you for a long time, a penalty will be charged for late repayment of an average size of 0.10% of the initial amount for loans, 0.03% of the average amount of debt for consumer loans and credit cards.
If you do not comply with the conditions for repaying loans and borrowings, data about you can be transferred to the register of debtors, and the debt - to a collection agency for debt collection. The lender informs you in a timely manner of all approaching payment dates via SMS or e-mail. We recommend that you make the payment on the day you receive these reminders. By repaying your debt on time, you are creating a good credit history, which increases your chances of getting a loan in the future on more favorable terms. The offer is not an offer. Specify final conditions at direct dialogue with creditors.
Information on the total cost of the loan and an example of calculation
A loan of 10,000 rubles was issued for 61 days with a prolongation. There are 365 days in a year, under the agreement the rate is 1% per day ( annual rate, respectively, will be equal to 365%). The amount of interest for the year is 36,500 rubles. (10 000 * 365% \u003d 36 500), for 1 day 100 rubles. (36 500/365 \u003d 100), for 61 days, respectively 6 100 rubles. (100 * 61 \u003d 6100). The total payment amount is 16 100 rubles. (10,000 rubles. Principal debt + 6,100 rubles. Interest).
CPM (total loan cost) in percentage ranges from 0% for new customers in some companies and up to 750%.
The minimum loan repayment period is 61 days. Maximum term repayment of the loan 365 days.
The entrance to the Ekapusta instant online loan service is located at https://ekapusta.com. Login link in the upper right corner of this site.
Repeated loan: at 2.1%
Citizens of the Russian Federation from 18 years old
Fast. income, good KI
To the card, account, QIWI, Contact, Crown and Yandex
In order to get into your personal account you must enter your phone number or address emailas well as password. You can enter the site through social networks. If you are authorized on vk.com, ok.ru or mail.ru - just select the icon you need and authorization on the ekapusta.com website will go automatically without entering passwords and other data.
Telephone hotline company "Ekapusta"
Telephone hotline Ekapusty (LLC MKK Rusinterfinance) 8 495 215 55 67 . Calls are not free, they are paid like regular calls with Moscow. First, the answering machine is turned on and the waiting time for an operator's response can reach several minutes. This is not very convenient and also expensive for nonresident citizens.
It is much easier and more convenient to enter your personal account and there to find out about debt and how to pay it off. There is also a form on the site https://ekapusta.com feedback (bottom left), in which you need to indicate your email and phone number, your request will be answered as soon as possible.
Alternative ways to get online loans
The Ekapusta service is convenient and always ready to help out in a difficult situation. But sometimes there are times when it is impossible to give on time. And you need to intercept a small amount of money elsewhere.
This is not so convenient, because you have to re-fill the application and wait for a decision on credit limitbut it’s better not to delay and take the money elsewhere. The editors of the site site made a rating top companies Russia, which, along with the hero of this article, issue no less convenient and profitable loans.
Customer reviews * about the work of eCapusta
* The given reviews were left in 2017, when the “0% first loan” campaign was not yet available.
Oleg 05/08/2017 at 09:03
I do not often use the services of MFIs, but recently I wanted to give my girlfriend a present and did not calculate the money a bit, so I turned to Kale. They made out quite quickly, transferred the money to the card, and I was finally able to buy my beloved girl the desired jewelry.
I chose the right amount, to confirm my identity you need to enter only passport data and you can still have a photo with the words Ekapust, then a loan can be obtained on an electronic wallet.
I liked the fact that the approval and transfer of a loan occurs within 2-3 minutes. I took it for two weeks, returned everything on time, now a higher loan is available. It’s a very convenient thing, I’ll use it, than I’ll go to friends.
Natalya 03.16.2017 at 19:44
I told myself a hundred times that I would not take money from microfinance organizations, but I still had to. Urgently needed money for treatment.
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