Electronic money is becoming more and more popular among Russians. One of the most common payment systems is Yandex. Money. It can be used both to pay for goods and services and to obtain loans.
Features of obtaining a loan in Yandex. Money
Today, you can get a loan not only in cash through a bank, but also with electronic money. Such services are quite popular, as they allow you to take out a loan in a short time and with the provision of a minimum package of documents.
The difference between the Yandex. Money platform and WebMoney is that there are no lending offers on the platform itself. These services are offered only by independent services. The most likely reason is that it is easier to create a Yandex. Money wallet. During registration, WebMoney requests document scans, while Yandex. Money does not require mandatory identification of the wallet owner. The verification process is carried out only at the request of the user.
Lenders are not interested in issuing loans in Yandex. Money. You can understand them, since there is practically no guarantee that they will come back. The issuance of loans in this case is based only on trust, there are no return mechanisms in the system. For example, in WebMoney you can get the debtor's documents and go to court with them, and also a loan agreement is concluded.
Methods for obtaining a loan in Yandex. Money
The platforms that specialize in issuing loans with Yandex. Money do not differ in loyal terms. Interest rates exceed 1.5-2% per day (from 540 to 730% per year). Often the loan amounts are also significantly limited - they can be only 350-1000 rubles.
For example, a loan for Yandex. Money is provided by the microfinance organization MoneyMan. A prerequisite for obtaining a loan is an identified wallet. You can go through the identification procedure through the Equifax credit history agency or through Euroset stores.
To receive a loan from MoneyMan, you need to fill out an application on the website, and then confirm it using SMS. The application is considered within a minute, and loans are credited to the account instantly. The maximum loan amount is 15,000 rubles, the terms are up to 14 days. The overpayment on such a loan is rather big. For example, if you take out a loan for 6,000 rubles. for 5 days, you will have to return 750 rubles. more.
Another way to get a loan is to arrange it through WebMoney, and then convert electronic money into Yandex. Money. True, this is hardly advisable, since in addition to interest for using the loan, some of the money will be lost on conversion. At the same time, WebMoney can also pay for purchases, that is, such a loan loses its meaning.
Please note that when obtaining a loan, it is quite possible to stumble upon fraudsters. They offer to take a loan only on the basis of a preliminary transfer of the commission for issuing a loan. The percentage will depend on the loan amount. Many borrowers transferred a commission, but did not receive the loan money.