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MFIs provide favorable conditions for obtaining microloans up to 30,000 rubles for up to 30 days with a low interest rate.

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In 2011, the list of Russian MFIs was replenished by the company Onzaem (read reviews about MFC Onzaem on the website This is a scam™). The service is used to obtain loans and is owned by IFC IQ Capital. All applications are processed online, and the transfer of money takes a minimum of time. Such services are in demand among people. But what’s behind the Onzaem website? Aren’t they scammers?

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How much exactly is Onzaem?

Active work in the Russian market has been carried out since 2011. He gained invaluable experience in communicating with customers, learned the needs of the target audience and offered favorable loan terms. The company has a standard structure for MFIs. Registration is Russian, there is an entry in the register. In its work, Onzaem is guided by the legislation of the Russian Federation and serves only Russian citizens. There is an office in the capital, and you can contact employees by calling the hotline.

The company helps to gain self-confidence in difficult financial times. Everyone has such periods. And if someone prefers to borrow from relatives, then it is more pleasant for some to contact Onzim. Applications are considered in a short time, and you do not need to go to the office to conclude a contract. The money comes 10 minutes after sending the questionnaire.

You can fill out an application on the onzaem.ru website. It looks modern, fresh and stylish. The green color is pleasing to the eye. All important tabs are displayed at the very top of the start page. The company has simplified the interface to reduce the time it takes to fill out the application as much as possible. The site is made simply, there are few pages, but there is a lot of information. It contains all the important information, necessary documents and useful materials. For a quick search, use the sitemap, and for a preliminary calculation, use an online calculator.

You can instantly get from 2 to 10 thousand rubles. Return the money within 5 to 30 days and your credit history will improve. But first, register so that you have an account. With its help, you can track the current state of the debt, as well as leave applications for new loans. By the way, you can consult with the manager. Support is available on weekdays from 9 a.m. to 9 p.m. And in addition to loans from Onzaem, you can get an insurance product that will protect you in the following cases:

• accident;
• travel abroad;
• fire;
• bite of an animal or tick.

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Term loans of money from Onzaym

The company has been on the market for a long time. The service is in demand, and completely among different segments of the population. The office is located in Moscow, the address can be found on the onzaem.ru website. Services are available to all Russian citizens. To receive financial assistance, you need a passport, as well as a document to confirm solvency. Loan transfers are made to a bank account or card.

There are no hidden fees. The client pays only interest and returns the borrowed amount. The maximum loan amount is 30 thousand rubles. According to the organization’s website, the higher the amount of the loan received, the lower the interest will be charged. However, it is worth considering that for the first time the maximum value of the possible loan amount is up to 10,000 rubles. With successful repayment of the first loan, the user will be able to take up to 20,000 rubles, and for the third time the maximum amount up to 30,000 rubles. Amounts are issued 24/7.

Conditions for granting money loans

How much money can I get on a loan? The first time from 2 to 10 thousand rubles, the second – from 2 to 20 thousand rubles. In order to return the entire amount, it is given from 5 days to 1 month. This service is available exclusively to adult customers. Interest is accrued every day. Their size varies from 1 to 2.2% per annum. Of the documents, you only need a passport. Also prepare the details of the card or bank account where the funds will be transferred.

How to apply for a loan of money?

To get started, open the start page of the MFI website onzaem.ru. You will see a calculator, here you can immediately find out the amount to be refunded. Specify how much money you need, then choose a comfortable period to pay off the debt. After a few seconds, the result will appear, it is this amount that will have to be returned to Onzaid. If you are ready to cooperate on such terms, click “Get”.

If you are a guest on the site, you will have to register. The procedure is simple and does not take much time. Enter your data in the empty fields. The information must be truthful, otherwise you will be denied a loan. If you have already registered, it is enough to log in. You can fill out an application on the onzaem.ru website from any device connected to the Internet. A computer, tablet and smartphone are suitable. Prepare in advance your passport (it must be Russian) and the card where the money will come. You can follow the latest information in your personal account.

How do I get my money back at Onzaem?

Pay the amount on time, within the period specified in the contract. This can be done in different ways:

• bank transfer;
• Internet banking;
• payment in cash through the nearest Qiwi terminal.

Complaints about onzaem.ru

To learn more about Onzaim, reviews and reviews of the service will help. Sometimes they are left by nominees, but in most cases you can learn enough useful information from the comments. Users attributed the following to the strengths of the platform:

• extension of the loan term;
• uninterrupted functioning of the site;
• comfortable interest rate;
• availability of technical support;
• Instant approval of applications.

The company also has weaknesses:

• huge fines in case of delay;
• high percentage of loan refusal;
• Long response from technical support.

Perhaps the negative reviews are the work of those who were denied a loan. However, the company warns in advance that the borrower must meet the requirements. Those who cooperated with Onzaim are satisfied with the terms of the loan and prompt financial assistance.

Regulation and licenses of Onzaym

How do you know if the company is reliable, if the loans are safe? Check the legal status of MFIs. To do this, just look at a special register. If the company is not in it, you cannot work with it. If there is, you can borrow money. Is Onzaim’s work legitimate?

License & Regulator

Information about the company can be found in the state register of the ICC. Each company is assigned a unique number. Inclusion in a single register is the basis for issuing loans, without which the organization cannot work. You can find out all the information about the company on the official website of onzaem.ru. There are reports, registration information, rules for working with personal data, and samples of contracts. All this is freely available.

• 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 the website cbr.ru, LLC MFC “IQ CAPITAL” – line 124);
• Documents from the Onzaem website: “General terms of the consumer microloan agreement dated 01.08.2019” (see), “Rules for the provision of microloans (Onzaem) dated 07.05.2018” (see), “Agreement on the use of an analogue of a handwritten signature” (see), “Terms and conditions for using the site, fraud prevention” (see), “Basic standard for protecting the rights and interests of recipients of financial services” (watch).

Onzaem Support Service

You can contact the support managers in different ways:

• Phone: 8 (800) 550-09-08.
• E-mail: [email protected].
• Feedback form.

The company focuses on the fact that before contacting the project managers directly, you should familiarize yourself with the “Questions and Answers” section, which contains information and answers to the most popular questions from users.

onzaem.ru User Agreement

Studying the user agreement is a mandatory step before applying for an online loan. The document specifies the rules of conduct for both parties, which the client must familiarize himself with before starting cooperation with the MFI. In addition to this information, the agreement prescribes the terms of loans, requirements for candidates and other conditions.

For example, foreigners cannot borrow money from Onzaem. The ban on the issuance of loans is also established in relation to incapacitated citizens. Funds can only be received by the person to whom the contract is drawn up, no third parties and representatives. To confirm their status, clients provide documents.

From the agreement, you will learn about the consequences of delay. To avoid unnecessary expenses, pay off the debt on time, otherwise you will face a penalty of 20% per annum. Plus, you will have to return the amount of debt and accrued interest.

Separately, situations are prescribed when a loan is not issued to the client. Such cases apply to users who, during registration, provided false information about themselves, did not provide the documents requested by the company, have a bad credit history, do not agree with the site policy and the terms of loans.

Is Onzaem a scam?

Before giving an answer, let’s analyze the principle of the organization. For almost 9 years, Onzaem has formed its own vision of the MFI market. People are used to spending money as soon as they receive a salary. Then you have to save, and in fact unforeseen expenses have not been canceled. It helps to survive situations in which everyone can find themselves.

A person receives financial assistance remotely. Even a beginner will figure out how to fill out and send a questionnaire. Everything on the site is simple and clear. There is a calculator for preliminary calculation of the loan, one click – and you are in your personal account. The account helps to control debt, offers options for repaying debt, as well as the opportunity to get a new loan. On the site you will find comprehensive information about the company, consideration of applications, transfer of funds, payment of debt.

The company’s activities are carried out in compliance with the current norms of Russian legislation. The organization has the appropriate registration, as evidenced by the documents on the site, exhibited in the public domain. The organization has made sure that each user can easily find the answer to their question in the appropriate section. You can also contact the site managers by choosing a convenient way to contact those. Support.

Over 9 years of work on the Internet, a different opinion has accumulated about the work of the organization. There are both positive and negative reviews about cooperation. Most clients re-apply to the company, which indicates a real opportunity to get a loan. Can it be argued that Onzaim is a scam and scammers? Having studied the project in detail, we can give an answer to this question: no, since the company successfully operates and provides its services to clients throughout Russia, solving a financial issue in a matter of minutes.

Conclusion

What can be said about Onzaem? Almost 10 years of work in the Russian market, specialization in loans for the population, a full set of legal documentation, legal status, activities in compliance with the norms of Russian legislation and thousands of satisfied customers. Information about the company is in the public domain, the terms of cooperation are transparent and understandable, and the approval of the application takes no more than 15 minutes. The online service wins against the background of other MFIs. If you borrowed money from Onzaem, tell other users about your experience.

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