Analyse de l'application ShvidkoGroshi - credit to card pour le 6 décembre

To use the services of ШвидкоГроші, you must meet certain conditions: Loan amount: from 500 to 50,000 UAH. – Maximum repayment term – 210 days. – Minimum repayment term – 63 days. ⁃ Interest rate on the loan – from 0.01% per day. ⁃ Possible maximum annual percentage rate (APR) – from 29.63%. ⁃ No additional fees or charges. ⁃ Types of loans: mini-loan (microcredit), installment plan, long-term loan. ⁃ Ways to receive funds: online to a card or in cash at the company’s offices. ⁃ Client age: from 18 to 70 years. ⁃ Requirements: Ukrainian citizenship, passport, and tax identification number. ШвидкоГроші provides its clients with the opportunity to use a loan calculator to calculate loan parameters. This tool allows you to quickly and conveniently determine the loan amount, repayment term, and calculate the cost of the loan. Example calculation (for a consumer loan “Money in Installments” (1% daily rate) without collateral): For a loan amount of 3,000 UAH with a term of 98 days, the interest rate is 1% per day, and the fee related to granting the loan is 20% of the loan amount. The interest for using the funds over the entire loan term will be 2,120.51 UAH, and the fee will be 600 UAH. Daily percentage rate [DPR] = ([Total loan cost]/[Loan amount])/[Term] × 100% = (2,120.51 + 600)/3,000/98 × 100% = 0.93%. The loan is repaid in installments – equal payments of 817.22 UAH every 14 days. For this calculation: the maximum loan term is 140 days, and the minimum term is 98 days. The client has the right to repay the loan early without any additional charges for early repayment. In the case of early repayment, the client pays interest for the actual period of using the funds. Advantages of lending – benefits of applying for a loan with MFIs: One of the main advantages is the speed of receiving the loan. You can easily and quickly get a loan: ⁃ Consumer loan without guarantors; ⁃ No collateral (unsecured loan); ⁃ Without official employment; ⁃ High probability of loan approval; ⁃ With a bad credit history (CH); ⁃ Low-interest rate (possibility of obtaining a loan at 0.01%); ⁃ Minimum bureaucracy (you only need a passport and tax identification number to get the money); ⁃ 24/7 application acceptance (automatic loan approval at night).