SMS-finance: customer reviews of the company

The market of microfinance payments does not stand still. Until recently, a novelty for all was the opportunity to get funds in debt under a simplified procedure - without a thorough check of the borrower's income, his credit history and property. We are talking about the so-called "loans to pay", when a person takes a small amount for small household expenses until the moment he receives the next salary. After that, the loan is returned, the debt (including interest) is repaid on it, and the borrower is increased by the credit limit for the possibility of applying for a loan still.

Loans by SMS

A completely new system for processing a loan can be called an SMS application. This innovation is practiced by SMS-finance. The reviews show that with the help of a message sent from the mobile that will contain your passport details and information about the loan, everyone can apply for a loan for the necessary purposes.

This gives a lot of advantages at once. Firstly, the entire process of obtaining a loan is simplified because the client does not need to defend the queues in the offices of the organization, wait for a call from the creditor and worry about whether they will approve his application or not. Absolutely not distracted by extraneous matters, everyone can send a message from the mobile and receive a response from a company employee within a few minutes.

Secondly, this form of communication is much easier than long calls or conversations with consultants live. All that you may be interested in on the loan is on the company's website, you can read it in a few minutes. By sending SMS, you submit your application form, thus making it clear that you want to apply for a loan. In addition, you will not be asked for contact details, as the message will include all the necessary information.

Agree, this model has certain advantages over traditional forms of loans.

The company "SMS-finance"

As mentioned above, the typical representative of the market, which deals with receiving applications for a loan through SMS, is "SMS-finance." The feedback that we learned during the preparation of the article, let us know what it is in practice.

So, this is a service that helps people in the shortest possible time to receive loan amounts up to 30 thousand rubles. Registration of the application, as you already know, passes through SMS, while the employee's response is received by the customer on the phone on average in 7 minutes. The company's advantages are flexibility and, at the same time, simplicity of conditions.

For example, a borrower is given the opportunity to defer payment for 21 days in the event that he does not manage to repay the debt on time. To do this, it is enough to pay interest on the loan.

As for the methods of obtaining a loan, as well as its return, then in this sense the bank "SMS-finance" is flexible enough. The client can return the funds in the QIWI system, as well as with the help of CONTACT or through the bank (by simple transfer). In turn, you can get money in one of these ways.

Scheme of work

You have already understood that to work with the company you need to send an SMS message with your data. However, we will slightly clarify the situation: you write the data in the application, which you leave on the company's website. In it you enter the full name, phone number and scan document. When she goes to the company's employees, they will decide in a few minutes whether it is possible to issue a loan or not. Upon the occurrence of this time period, you will receive a reply in the SMS message.

Next word for you: you want to issue this loan or not. If you are interested and you would like to receive funds, you need to send a message to the number +7 (913) 913-50-20, which will contain ZAEM 10000 XXXX. Where 10000 is, respectively, the amount of money you want to receive; And XXXX - the password from the entrance to your personal cabinet. In it, by the way, you will be able to adjust both the way you receive funds and manage your loan.

Conditions

There are two restrictions on the amounts and terms dictated by the company "SMS-finance". The loan can be taken in the amount of 1 to 15 thousand rubles for a period of 21 days and 16 to 30 thousand for 9 months. Accordingly, for these two tariffs you receive completely different interest rates.

On the first, making out 1000 rubles, you get 1.74% per day, and this rate drops to 0.90% per day for 15 thousand credits. Then the second tariff is switched, and you have to pay 0.5% per day using funds from 15100 to 30,000 rubles.

You can extend the loan for up to 21 days in the event that you have time to pay off the interest on interest. As the customer feedback on SMS-finance shows, the company is flexible enough to communicate with borrowers, so they can agree to some simplifications that are beneficial to the client.

Offers

For the fact that you bring your friend who will use the services, bonuses are earned "SMS-finance". The testimonies indicate that 300 rubles are paid for one guest. They will be displayed in the private account in the event that the user activates the loan, and this will happen, of course, on your recommendation.

Spend the money you will be able to pay for debt on your own loan. In order to participate in the bonus program, the application "SMS-finance" is not submitted.

Refusal in credit

After you fill out a special form on the company's website, employees, as already mentioned above, consider your candidacy as a potential borrower. Of course, there are situations when at this stage a person is refused. Many are interested in what could be the cause and how not to get it the next time.

So, the most common reasons when a customer receives a refusal from SMS-finance (reviews, as well as information on the company's website confirm this) are the client's damaged credit history, active debt under another loan and attempted fraudulent activities. With the first two points, everything is very simple: if you have a debt in the company, you will not be given a loan again. As for bad credit history, it is checked by forming an appeal to a special bureau. From there they send information about what kind of loans a person has drawn up, how regularly he paid them, and so on.

As for fraud, it is about trying to take a loan and hide from the company, somehow falsify documents and so on.

If the user receives a refusal, the system can not use the system for the next 4 months.

Reviews borrowers

After reading the reviews of those who have already managed to issue a loan in this company, you can understand that the organization is working transparently and conscientiously. No reports were found that someone was deceived. Apparently, the company "SMS-finance" provides quality services. The loan (feedback is confirmed) is easy to take here. The ratio of refusals to approved applications is small.

As for the form of cooperation with the organization as a whole, it is mostly received positive feedback. The thing is that communicating with the bank via SMS actually delivers less bother to the borrower. We add to this the possibility of extending the debt repayment period, as well as certain situations when the company representatives meet the client, and we will get a really cool service, which I want to contact again.

If you do not pay?

Finally, we answer the question what will happen if you do not pay. As evidenced by the company's "SMS-finance" reviews of defaulters, nothing will happen. People painted their stories in the comments when they could not return the loan, and the company's employees simply insisted on returning and threatened to go to court. Of course, for the time of non-payment of the client's debts, large amounts of fines, interest and penalties are being charged. Therefore, in the end, you will have to repay the money several times more than the original loan. Together with this, your credit history will be spoiled.

After the debt becomes big enough, the company will really go to court. Given the availability of your passport data, as well as an electronic application for a request for a loan, representatives of SMS-Finance have something to show in defense of their interests.

Therefore, it is highly discouraged to do so.