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The microfinance organization provides services to clients from Russia and other countries, offering them term loans of money on favorable terms.

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The Lime-Zaym company is registered in Novosibirsk and has been serving clients from around the world for more than 5 years (read reviews about MFC Lime-Zaym on the website This is a scam™). Borrowers can solve their material problems instantly. To achieve this goal, an automated loan service has been created, which simplifies the procedure for issuing money. The company is actively working and dynamically developing in the chosen direction, not only in the Russian Federation, but also in other countries. Customers can receive funds to a card and bank account, through the Contact system or to a Qiwi wallet.

Is it worth trusting another MFI, because there are so many scammers on the Russian market? Can Lime Loan be considered a safe and reliable project or is it a scam? How profitable is such a scheme? Does Lime-Zaym function legally? What do users complain about? Let’s consider the principles of the company’s work and find out its real status.

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Why Lime-Zaim?

Despite the fact that the MFI has been operating not so long ago, it has become in demand among borrowers. The company is a leader in the Russian market, as evidenced by the information on the lime-zaim.ru website.

To the website

Services are provided using automated business processes. Applications are approved by the scoring system, it checks the client’s data according to 267 parameters, and then makes a decision. Guests of the MFI website are invited to choose any of the available tabs:

• “About the company” (basic information about MFIs).
• “Loyalty program” (terms of participation, benefits for participants).
• “Affiliate Program”.
• “How it works” (information about receiving money and paying off debt).
• “Promotion” (special offers with limited validity).

There is a calculator on the main page, it calculates the monthly payment, taking into account the amount and term. These data are prerequisites and may differ from the final conditions. You can get money at any time, the procedure is simple, and the approval of the application takes no more than 5 minutes.

You can clarify information about loans from the support staff. There is an online chat on the lime-zaim.ru website, to start it, click a special button (it is located on the right and bottom). If you are interested in data about the organization, go down to the bottom of the start page. There are contacts and links to important information. The advantages of working with Lime-Zaym include:

• the possibility of extending the loan term by 14 days;
• discounts up to 50% for regular customers;
• From the second loan, the client gets the opportunity to use money in the amount of up to 70,000 rubles for 5 months.

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Term money loans from Lime-Zaim?

The main direction is loans to individuals. Do you want to apply to an MFI? Register on the lime-zaim.ru website. Provide the following information:

• NAME.
• Telephone number.
• E-mail address.
• Password to log in to your personal account.

We recommend that you familiarize yourself with the work of MFIs in advance, and if you have any problems, write to the company’s employees or community administrators in social networks.

Conditions for granting money loans

Lime-Zaym works only with Russian capable persons who have permanent registration in the Russian Federation and have reached the age of 21. Money is provided under the following conditions:

• amount: 2000–70,000 rubles;
• duration: from 16 days to 24 weeks;
• Rate: from 219 to 547.50% per annum.

There is no need to collect a huge package of papers, a Russian passport is enough. As an addition, provide another document, it can be a TIN, driver’s license, passport, military or student ID, etc. MFIs may request a 2-NDFL certificate to find out the level of wages. However, this requirement does not apply to all customers. When receiving money on the card, it is important that it has a balance of at least 10 rubles.

How to apply for a loan of money?

A special service will help in the design. On the site you need to leave a request, indicating your data in the fields of the questionnaire. Decide on the option of issuing funds and receive them.

Learn more
There’s also a PWA app. With it, it’s easier to apply and get paid. Download the program to your mobile device from the lime-zaim.ru website. The application is suitable for iOS and Android operating systems. With a PWA app, you’ll always have access to an online service.

How do I get my Lime-Zaim money back?

Each borrower has several ways in which to pay off the company:

• Qiwi and ICD terminals;
• card and account in a banking organization.

To transfer the amount from a card or account, use the personal account. When you open an account, select the “Redeem” option. The next step is to decide on a payment system. Click “Next” so that the updated data appears in the “Accounts” tab. There you will see information about the invoice that needs to be paid. As soon as the payment is confirmed, the information will be updated, the amount of debt will decrease. If it is impossible to enter your personal account, use the ICD terminals.

Complaints about lime-zaim.ru

Before listing the main disadvantages of the company, let’s outline the strengths of Lime-Zaym. Still, there are more good reviews than negative ones. What borrowers like:

• quick response to the application;
• instant transfer of borrowed funds;
• repayment of debt ahead of time;
• simple and functional service;
• Favorable conditions.

The disadvantages of cooperation with the project include:

• relatively high interest rates;
• problems with the automatic payment accounting system;
• difficulties with communication with technical support.

Regulation and licenses of Lime-Zaim

Before taking out a loan, check the status of the MFI and make sure how legal the activity is.

License & Regulator

The main factor indicating the legality and honesty of the work of any MFI is the presence of registration in the state register. Based on the information located on the project website, the company has not only a certificate of entry into the register of the Central Bank of Russia (license No. 004670 dated 10/17/2013), but it is also included in the MIR RSO. These facts allow us to conclude that it conducts absolutely legal activities and guarantees compliance with high standards of customer service.

• Read Federal Law No. 151-FZ of July 2, 2010 “On Microfinance Activities and Microfinance Organizations” as amended on the websites: consultant.ru, garant.ru;
• State Register of Microfinance Organizations (download from website cbr.ru, LLC MFC “Lime-Zaym” – line 407);
• Documents from the lime-zaim.ru website: “General Terms of Microloan Agreements” (view), “Personal Data Processing Policy” (view), “Rules for the provision of microloans” (see).

Support

You can contact technical support in any convenient way:

• e-mail: [email protected];
• Phone: +7 (383) 207-98-89;
• online chat.

User Agreement lime-zaim.ru

The main document regulating the relationship between the lender and the borrower is the contract (as well as other documents). It contains information on the rights and obligations of these parties. Before signing it, the borrower is advised to study all the provisions of this document in as much detail as possible. If the client does not understand any of his points or does not understand the mechanism of its action, he always has the opportunity to ask additional questions to the representative of the credit institution.

According to the laws of the Russian Federation, financial institutions do not have the right to enter into the contract hidden commissions or any other information that misleads their customers. Below are some of the provisions of the document that you need to pay attention to. Under the terms of the contract, for example, the lender has the right to transfer data relating to the borrower to the Credit Bureau. In turn, the borrower may withdraw his consent to the processing of personal data in accordance with the procedure established in the contract.

In the event that the client needs to extend the term of the contract due to the impossibility of returning the money within the prescribed period, the parties have the opportunity to conclude an additional agreement. This action is carried out on the basis of the company’s consent to the additional payment of interest by the client.

If the borrower makes an incomplete payment, then the debt is closed in the following priority: interest, credit, penalties and fines, etc.

Is Lime Loan a scam?

Lime-Zaim has been operating since 2013. It is part of the Lime Credit Group holding, which operates in Latin America, Europe and South Africa. The company employs more than 600 qualified employees who are always ready to help the client in a difficult situation. The company’s activities are carried out exclusively in the legal field. This is confirmed by the presence of a license from the Central Bank of the Russian Federation, which controls the activities of the MFI. Additional security for customers is provided by payment information protection systems from Visa and MasterCard. These brands only work with reliable companies.

These advantages indicate that Lime-Zaym is not a scam. Employees of the brand are constantly working to improve the quality of services provided, provide an international level of service, in addition, the company pays attention to the introduction of innovations, profitable marketing solutions in order to work on the platform is both convenient and interesting.

Conclusion

In Russia, Lime-Zaym opened recently, so it did not have time to earn high trust from customers, although it is an international organization. Lime-Zaym automates the operation of electronic systems. The operational service is based on a multifunctional site, where there is a lot of useful material. You’ll instantly figure out what’s what. Regular customers can get good benefits. The advantages of the service include:

• functional and informative website;
• profitable loyalty system for regular users;
• availability of bonuses;
• convenient online calculator;
• comfortable percentages, etc.

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