МигКредит - займы на карту
★ 4.1What it actually doesМигКредит is an app for obtaining microloans to a card within 15 minutes with automatic application review, but frequently pushes additional services, has payment instability and system glitches.
Actually does
- ✓P2P payments90% of reviews
- ✓Выбор суммы и срока займа30% of reviews
- ✓Дополнительные услуги (страховка, телемедицина)(bonus)35% of reviews
- ✓Customer Support(bonus)25% of reviews
- ✓Push Notifications(bonus)15% of reviews
- ✓Payment Tracking(bonus)20% of reviews
- ✓Instant Approval40% of reviews
Claimed, but not confirmed by reviews
- ⚠Бесплатный первый займ (0% ставка)
Common complaints
- ✗Forced bundled services (insurance, telemedicine) with no option to decline40% of mentions
«somehow they squeezed an additional service into the contract... refusing the additional service is a terrible hassle. the cost of the add-on service is almost 2 thousand, and I don't even know what it's for»
- ✗App freezes, fails to load, crashes during loan application process25% of mentions
«I've never seen such freezing and lags before... at the last stage it throws you back to the initial page and doesn't let you proceed»
- ✗Unable to repay loan (payment form fails to load, errors when linking card)20% of mentions
«they give you money in 2 minutes, but they won't let you make a payment, you can't pay early or on schedule»
- ✗Hidden bank fees on loan disbursement and repayment contrary to promises30% of mentions
«I took 5000, it says the return will be interest-free, but in the end I returned 7200... first loan without interest — that's not true»
- ✗Support is ineffective: chatbot without operators, rude phone staff, long application review times20% of mentions
«Chat only with question and answer selection, no operator in the chat... on the phone if you call, they shout scripts, are rude and interrupt»
What people praise
- ★Money arrives very quickly (within 2-15 minutes)
«They give money in 2 minutes»
- ★Simple online loan application process
«Loans online here»
- ★Suitable for urgent cash needs before payday
«Loan will help tide over until payday»
- ★Information is accessible and clear in the app
«Information is accessible and clear»
- ★Loan options available in various amounts and terms