Fin5 - Деньги на карту
★ 3.3What it actually doesFin5 is an online service for microloans with annual interest rates of 0-36% for periods of 61-365 days, but in practice attracts users through hidden fees, bundled services, and critical app issues that render it unavailable after updates.
Actually does
- ✓Online loan application80% of reviews
- ✓Recurring payments(bonus)40% of reviews
- ✓Payment Tracking(bonus)15% of reviews
- ✓Customer Support(bonus)70% of reviews
- ✓Скрытые комиссии и доп. услуги(bonus)80% of reviews
- ✓Передача долга коллекторам с угрозами(bonus)20% of reviews
Claimed, but not confirmed by reviews
- ⚠Instant Approval
- ⚠End-to-end encryption
Common complaints
- ✗Hidden fees and forced additional services that cannot be disabled before checkout60% of mentions
«Hidden additional services, can't uncheck the box because it simply doesn't exist during checkout. But all additional services can be refunded as a credit toward loan repayment.»
- ✗Repayment amount is significantly higher than promised (2-3 times)35% of mentions
«DO NOT RECOMMEND. Principal debt 4200, but at repayment the sum was inflated TO 8690 rubles!!!!! And that's not counting the hidden imposed additional services»
- ✗App doesn't launch after update (update loop → Play Market → no update available)25% of mentions
«UPDATE APPEARED IN THE APP SO I GO TO PLAY MARKET BUT THERE'S NO UPDATE BUTTON AND WITHOUT THE UPDATE I CAN'T GET INTO THE APP»
- ✗Transfers less than the stated amount but demands full repayment20% of mentions
«I applied for 10000, but for some reason only 6000 arrived. Called the support line - nobody answers, if the remainder isn't credited I won't return anything»
- ✗Cannot reach by phone, responses to emails take 7-12 days50% of mentions
«Worst app I've ever seen. I took a loan for 3000 rubles but they only sent me 1800. Mail doesn't work and you can't reach them by phone at all.»
What people praise
- ★Additional services can be refunded as credit toward loan repayment
«But all additional services can be refunded as a credit toward loan repayment.»
- ★Fast application approval