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If we talk simple language, then a cooperative can be called an association of physical and / or legal entities for the purpose of financing each other within the same organization.

These financial institutions are supervised by the RF Central Bank. As for the legal framework, until 2009, regulation was carried out in accordance with No. 117-FZ. However, in July it was replaced by No. 190-FZ "On Credit Cooperation".

Detailed information on the name of the existing credit consumer cooperatives of citizens can be found in the unified state register on the website of the Central Bank of the Russian Federation in the "Participants of financial markets" tab.

What does he do?

primary goal consumer credit cooperative consists in financial mutual assistance between its members. Some receive money to solve their problems / tasks / plans, while others give them for temporary use (loan) in order to receive benefits in the form of%. For investors, this is a great opportunity to earn good interest on providing funds. Indeed, for the most part, the money of the cooperative is spent on providing microloans to its members. The interest of the shareholders is several times higher than the bank rates on deposits. For example, the PDA "Family Capital" offers shareholders from 24% per annum, in the PDA "DaNaYa" you can get up to 23% of the profit. That is, the main activities of credit cooperatives are:

• Acceptance of savings
• Issuance of microloans

The capital of almost every credit cooperative consists of the personal funds of shareholders, as well as attracted investments and money received from direct activities.

Participant payments

Any cooperative has its own fees, which vary depending on the type and name of the organization. Among the main ones are:

1. Opening. It is not available in all organizations, but it does exist. The entry fee is paid once upon joining.
2. Membership. Paid by members of the organization monthly, annually or quarterly.
3. Share. Money that shareholders give for temporary use to a credit cooperative. Subsequently, interest will be charged on this money. These funds are used to issue loans to those participants who need financial assistance.

Funds are created on the basis of these contributions:

1. Share. This money goes to direct financing of the organization's activities.
2. Spare. It is needed for unforeseen situations that require additional costs if they occur
3. Mutual Aid Fund. The money from this fund goes to pay off microloans

Most of the cooperation funds are spent on providing loans to its participants. In such cases, a microloan agreement is drawn up between the lender (cooperation) and the borrower (its member). As additional measures precautions, it can be supported by a surety, pledge, etc. In most cases, cooperatives provide loans secured by property, maternity capital or surety. However, there are trustees that are issued for small amounts to those shareholders who have proven themselves well in this organization.

All income received at the end of the quarter / year is distributed among the members of the credit cooperative in strict proportion to the size of their share contributions. The higher the share contribution, the greater the shareholder's income. Dividends are paid by joining shares or by issuing cash money... Such conventions are spelled out in the charter or are decided at a special membership meeting.

I would also like to note that credit cooperatives cannot issue loans to persons who are not participants in it. Also, they cannot act as guarantors or guarantors for loans of their members / other organizations.

There are certain conditions for the maximum loan amounts. For example, a credit cooperative does not have the authority to issue a loan to one member in the amount of more than 10% of those already issued. For new organizations operating less than 2 years, the threshold has been increased to 20% of the amount. For example, if the total amount of the issued funds is 100,000 rubles, then he is not entitled to issue a loan in the amount of more than 10,000 rubles, which is 10% of the total debt.

Removing the masks

You can't do without a fly in the ointment. Often, many financial pyramids pretend to be credit cooperatives, collect contributions and, as they say, "Ados". How can you recognize scammers? There are several secrets:

• A priori credit cooperation cannot be LLC, CJSC, OJSC, because it is a non-profit organization. Therefore, carefully study all documents and bylaws before joining.
• Inflated interest on contributions. For example, 20-30% per month - such a figure should alert anyone.
• Pronounced marketing activity.

There are other reasons why some organizations can be classified as pyramids, for example, if a credit cooperative is not included in any association. Cooperations that are less than 2 years old deserve special attention. Requirements for them are much more loyal than for older brothers.

Similarities and differences between an MFI and a cooperative

The most important and perhaps the only similarity between these organizations is the contingent of borrowers (middle class). Both organizations accept funds at%. However, the minimum amounts, as well as interest, are different everywhere. What is there, that here the funds of depositors / shareholders are not subject to compulsory insurance by the DIA and do not guarantee 100% payment in case of bankruptcy.
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There are really a lot of differences between these financial institutions. First, a microfinance organization is a private company, the main activity of which is to maximize profits in the interests of its owner or a group of individuals. A cooperative is a non-profit organization, which means that generating value or profit is not a priority. A cooperative is an association of people organized by attracting funds from shareholders and their further placement in the form of loans provided. Second, the differences lie in the interest rates on loans. In MFIs, it is much higher. Thirdly, it is rather difficult to obtain a loan without collateral or guarantors in a cooperative. In MFOs, loans are issued according to one or two documents, while there is no need to make any contributions, etc.

Examples of

Credit cooperatives can be divided not only on a regional basis, but also by types of loans. For example, there are mortgage cooperatives Region-Novosel, Nirlan-Novosel, Petrograd, etc. In such PDA loans are issued not for personal needs / purchases, but for the purchase of housing. Special cooperatives for financing entrepreneurs "Aval". Here, a novice entrepreneur can get a loan to launch a startup or develop a business. There are special agricultural credit cooperatives, for example, Glazovsky Beekeeping, Rural Loan, etc. Such CPCs issue loans to villagers, for example, for the purchase of equipment, support of the farm, etc. As for ordinary credit cooperatives, they give out consumer microloans for personal purposes.

Credit consumer cooperatives are gaining more and more popularity among the population as a profitable alternative to bank deposits.

To date, the Central Bank register contains more than two thousand PDAs located throughout our country.

Moscow is no exception, and therefore in this short article we will tell you about the five most popular, in our opinion, the capital's credit cooperatives.

A relatively young but vigorously developing cooperative. The management, with the active participation of shareholders, is constantly working to introduce modern IT solutions into the structure of activities.

This year the Privilege Program and the System personal account, with the help of which members of the cooperative can online monitor and manage the state of their personal account.

Savings terms:

• interest rate - from 13.9%

KPC Dobrynya is a member of SRO Soyuzmikrofinance.

The cooperative, founded in 2012, has now become a full-fledged participant in the cooperation market, and more than 2000 people have become its shareholders during this time.

Savings terms:

• interest rate - up to 13.95%
• deposit amount - from 10 thousand rubles
• early withdrawal - no
• additional insurance - Opora Insurance Company JSC

KPK is a member of the SRO NP "People's Cashiers" - Soyuzsberzaim.

Cooperative of the classical, conservative type. The focus in work, primarily on the safety of shareholders' savings, makes them choose the most reliable options for using assets, which, often, are not the most profitable.

Savings terms:

• interest rate - 13.95%
• deposit amount - from 10 thousand rubles
• term of the deposit - from 1 month
• early withdrawal - at the deposit rate
• additional insurance - NCO "MOVS"

The relatively low maximum interest rate on deposits is a direct consequence of main goal credit cooperative - reliability above all.

KPC Rodnik is a member of SRO Soyuzmikrofinance.

Has been working since 2014. Until recently, it was called KPK "Doverie", but at a regular meeting, in order to improve the brand image, the shareholders decided to change the name of the cooperative.

Savings terms:

• interest rate - from 13.9%
• deposit amount - from 10 thousand rubles
• term of the deposit - from 1 month
• early withdrawal - at a rate of 5.5%
• additional insurance - NCO "MOVS"

It is one of the main players in the consumer lending market in Moscow and the leader in the rating of the portal "We are the credit community" in terms of the number of customer reviews and their ratings.

KPC "Dobrynya" is a member of the SRO "Cooperative Finance".

One of the oldest credit cooperatives in Moscow - it has been operating since 2011. Shareholders are offered a fairly wide range of deposit programs with different conditions placement of funds.

Savings terms:

• interest rate - up to 13.9%
• deposit amount - from 10 thousand rubles
• deposit term - from 3 months
• early withdrawal - at a rate of 1% to 7%
• additional insurance - no

The number of options and conditions for deposits of this PDA is probably the most impressive among all cooperatives in Moscow.

IKPK is a member of the SRO Cooperative Finance.

Please note that all the CPCs presented in the article are active organizations included in the official register of credit consumer cooperatives of the Central Bank.

You can find out more information about the KPK Moscow in our rating of cooperatives, compiled, inter alia, on the basis of feedback from the shareholders themselves.

Credit consumer cooperative (CPC) - a voluntary association of individuals or legal entities on the basis of membership and on a territorial, professional or other basis in order to meet the financial needs of the members of the credit cooperative - shareholders. In other words, these persons are united in a credit cooperative on one or another basis for mutual financial assistance.

Credit cooperative is a non-profit organization. Its activities are regulated federal law dated July 18, 2009 No. 190-FZ "On Credit Cooperation". A cooperative can be created by at least 15 individuals or at least five legal entities. If it is created by both those and other persons, then in total there should be at least seven. The supreme governing body of the cooperative is a meeting of shareholders.

The CCP acts like a mutual aid fund. It attracts funds from shareholders and allocates them by providing loans to members of the credit cooperative. The profit received from the borrower is used to pay for the deposits of shareholders. The KPC is not entitled to provide loans to persons who are not its participants, as well as act as a guarantor under the loan agreement.

The credit cooperative is obliged to comply with certain financial regulations. For example, the maximum loan amount provided to one member of the CPC should be no more than 10% of the total amount of debt on loans issued by the cooperative at the time of the decision to grant a loan (not more than 20% - for a credit cooperative that has been operating for less than two years). Or, the total amount of funds sent by the CPC during the reporting period for purposes not related to the issuance of loans to members of the cooperative cannot exceed 50% of the total amount of funds raised from the CPC members during the corresponding reporting period.

Interest rates on deposits and, accordingly, on loans in KPC are higher than in banks. For example, personal savings are attracted on average at rates 5–15% higher than banking ones.

From August 4, 2011, cooperatives are required to be members of self-regulatory organizations (SRO). Compensation funds are created on the basis of SROs, the funds from which, in the event of a bankruptcy of the cooperative, go to cover the costs of its shareholders. The fund is formed at the expense of payments (contributions) of members of a self-regulatory organization, part of the income from the placement of funds of the compensation fund and from other sources not prohibited by law.

At the beginning of 2012, there were 1,400 credit cooperatives in Russia as members of SROs with 31.5 billion rubles of total assets, whose shareholders were 1 million Russians. About 3% of the number of KPCs has a number of shareholders over 5 thousand. Moreover, the average amount of assets per shareholder is about 30 thousand rubles.

What is a consumer credit cooperative and a mutual credit society? How do I open a cooperative? Who will help a private lender register a credit union?

The modern financial market is diverse and democratic. For a thinking and enterprising person, he provides a lot of options for implementing potentially profitable and useful ideas.

In addition to banks, investment funds, pawnshops and MFOs, non-profit organizations have the right to receive finances from the population and dispose of them at their own discretion - credit consumer cooperatives (CCP).

What kind of structures these are and for what purposes they are created, I, Denis Kuderin, will tell you in detail in a new publication.

If you need help with liquidation consumer cooperative, use the tips from the final section of the article.

So, let's begin!

1. What is a consumer credit cooperative and how does it work

People who found soviet time, they also remember the mutual aid funds. Such associations were created at workplaces with the aim of mutual material support of the participants.

People who urgently needed money - for example, newlyweds or young mothers - were given interest-free loans. The funds were formed at the expense of entrance and monthly membership fees.

Credit consumer cooperatives operate on a similar principle. True, loans are issued with interest, but the depositors also receive a certain income. In essence, these are non-profit organizations that raise funds from shareholders and provide loans to members of the cooperative.

Credit consumer cooperatives - voluntary unions of citizens or legal entities united on a territorial, professional or other basis in order to meet the monetary needs of the organization's participants (shareholders).

The activities of the CPC are regulated at the federal level - in particular, by the law of 2009 "On Credit Cooperation". To create such an association, at least 15 individuals and at least 5 legal entities are required. The governing body of the cooperative is a meeting of shareholders.

Quite simply, these are groups where people help each other with finances. The organization does not aim to make a profit. Those in need of money are given loans on the basis of an agreement between the PDA and the borrower. At the same time, the society does not have the right to issue money to persons who are not part of the cooperative.

Loans can be with or without collateral. Sometimes the organization issues loans under the guarantee of individuals and legal entities, in other cases money is given against the security of real estate, transport, property rights.

Associations that are close in meaning and essence are credit unions, mutual credit societies, etc.

Basic rules of the PDA operation:

• every member of the community has the right to count on financial assistance when he needs it;
• outsiders are not allowed to manage the organization;
• leave the cooperative or join it only of their own free will;
• all members of the association have equal rights regardless of the amount of contributions;
• decisions are made according to the principle “one shareholder - one vote”;
• all members are equally responsible for the activities of the cooperative;
• CPCs must be registered with the relevant government structures and be a member of the SRO - a self-regulatory organization (in case of compensation for losses of shareholders in bankruptcy);
• The organization has a Charter, which is approved at the general meeting.

What are the benefits of forming a cooperative? Such an organization has the right to tax benefits, guaranteed property protection, investment activities, albeit limited by law.

If the participant wants to borrow money from the cash desk, the meeting will not study his credit history under a microscope, require income certificates and other documents. For people who want to do entrepreneurial activity, but do not have regular income to obtain a loan from a bank, a loan from a consumer cooperative is an alternative option to raise initial capital.

At the same time, personal savings are attracted to the PDA at rates higher than banking ones by 5-10%. That is, you invest money not for free, but for the purpose of making a profit. And if the money does not lie like a dead weight, but is invested, for example, in government bonds, then the income of each participant will increase proportionally.

Chief among them - "consumer cooperatives were a legacy of the Soviet period and have sunk into history along with Gorbachev." In fact, such organizations existed even in Tsarist Russia and they still live quite successfully.

There are such associations in the West as well. In the United States, the total assets of lending communities are in the hundreds of billions of dollars.

Another myth is “some kind of fictitious organizations like financial pyramids”. Yes, by joining the CCP, there is a chance to run into scammers. But only if you were too lazy or did not want to check the legitimacy of the organization.

This is done very simply - all official CPCs are controlled by the state, registered with the Tax Service and in the Unified State Register of Legal Entities, and are members of the SRO.

Read the material about another voluntary association of shareholders with the aim of preserving and increasing money - "".

2. What are the types of credit cooperatives - 3 main types

There are many types and subspecies of credit cooperatives - consumer, industrial, agricultural, construction, garage, summer cottage, second-level CPC, which include the cooperatives themselves.

I'll tell you about the most popular varieties.

Type 1. Consumer cooperative

This is the main type of cooperative communities. The main goal of such an association is mutual assistance of the participants: those who need funds receive them, and the rest contribute money at interest. The law does not prohibit these unions from receiving income legally.

To insure the savings of shareholders, SROs are organized, into which several cooperatives join at once. Compensation funds are created within these organizations, which partially replace the banking insurance system.

How to distinguish a consumer cooperative from a pyramid scheme:

• KPC is a non-profit organization with the corresponding constituent documents: any potential community member has the right to study them;
• fraudulent organizations are much more active in advertising and marketing, attracting new members, and cooperatives - solve the problems of a specific group of people;
• in the pyramids, for each participant you bring, they promise a reward;
• pyramid schemes do not last long - if organizations are less than a year old, look for another credit union.

The activity of the cooperative is completely transparent and regulated by the Charter of the organization. The CPC necessarily has several funds - reserve, property, insurance.

Type 2. Agricultural credit consumer cooperative

The legal basis of agricultural cooperatives is regulated by the law "On agricultural cooperation". The priority area of \u200b\u200bactivity of such organizations is participation in the agricultural sector of the economy.

Agricultural cooperatives specialize in the production and processing of products, supply, marketing, lending to the agro-industrial sector.

Example

Several farming families joined together and formed a cooperative. Separately, farmers could not purchase transport for milk transportation and a machine for the production of compound feed. Together they managed to successfully solve these problems. As a result, the income of each farm has increased.

Agrarian cooperatives closely cooperate with banking organizations, in particular - with "Rosselkhozbank".

Type 3. Housing construction cooperative

HCCs are created to solve the housing problems of the participants. The specific tasks that the participants solve are the construction and improvement of residential premises. Residents - present or future - pool their funds and use them to solve pressing problems.

When joining such a cooperative, be sure to study the charter and consult with a lawyer. Often, under the guise of housing associations, fraudsters are hiding who want to profit from your money, or even living space. Never sign any documents without reading them from start to finish and not knowing the status of the institution.

For a more visual representation of the types of cooperatives, study the table:

3. How to open a credit consumer cooperative - step by step instructions

Do you want to open a consumer cooperative?

This business will take time and effort. The most difficult stage is to attract a sufficient number of shareholders who agree to pay the entry fee. And then the system comes into play. You need to act strictly within the framework of the law and following a certain algorithm.

Step 1. Gathering participants and holding a meeting

First, an initiative group is created, which includes people who clearly understand the goals and objectives of the organization.

They attract new members and call a constituent assembly. To start operating a cooperative will need at least 15 individuals or 5 legal entities. If the composition includes both, you need at least 7 participants.

Advice: it is desirable that the core group includes a person with the basics of financial literacy - a professional accountant or economist. It will be difficult for people without such education to manage financial flows.

It is also necessary to appoint a chairman and a secretary. Members of the future community formalize their decision to create the CCP in the form of an official protocol.

Step 2. Prepare documents

The main constituent document of the CPC - Articles credit association... You also need to find original name for the cooperative and assign a legal address.

Example

In the Soviet feature film Garage, a cooperative of shareholders was involved in the joint construction of a garage complex and was called Fauna. In some scenes, clauses of the organization's charter are announced.

It is necessary to preliminarily determine the size of the authorized capital and the amount of the initial share contribution, as well as draw up a loan program. When preparing documents, be guided by the provisions of civil legislation that relate to credit cooperation.

Step 3. Register a cooperative

We write an application for state registration and certify it with a notary. Then we pay the state fee and register the PDA at the Tax Service unit at the place of the legal address. Before this procedure, participants must make a authorized capital not less than a tenth of the initial share contribution.

The following documents are attached to the application:

• list of community activities;
• certificate of ownership of the premises in which the PDA will be located (or a lease agreement);
• passport data and TIN of the chairman ( general director) and members of the organization;
• if the founders are legal entities, you need certificates from the Unified State Register of Legal Entities confirming their status.

A license from the Central Bank is NOT required to conduct financial transactions.

Step 4. We make a seal and open a bank account

After you receive the documents confirming the inclusion of the cooperative in the Unified State Register of Legal Entities, you need to make a seal and open a current bank account. Notify the tax authorities about opening an account.

Step 5. Getting registered with extra-budgetary funds

Be sure to register with extra-budgetary funds: social insurance, pension, health insurance. The basis for calculating taxes to these funds is the remuneration of workers in the cooperative.

Step 6. Organizing a control system

Control and accounting is the basis of competent financial management. In addition to internal control, the CCP's monetary affairs are handled by the Federal Service for Financial Markets. There you need to send a copy of the Charter of the organization and the contact details of the chairman of the cooperative.

Step 7. We join the SRO of consumer cooperatives

Another legal requirement... You must join the SRO within 3 months after the creation of the cooperative. Only after this does the organization have the right to accept new members into its ranks and attract their finances.

When opening a cooperative and at all stages of its registration, it is advisable to consult with professional lawyers. The easiest way to do this is remotely - in a company that specializes in online consulting.

Thousands of professional lawyers, including experts in civil law, collaborate with this resource. There are free services and paid ones. In the first case, a simple answer is given to the question asked, in the second - detailed written consultation with the algorithm of actions.

4. Professional assistance in registering a credit union - an overview of the TOP-3 law firms

From the previous section, you realized that creating a PDA is a responsible and difficult procedure if you do it yourself.

However, there are professional companies that will help, support, advise how best, or simply do all the work of registering a cooperative for you. We present an overview of the top three reliable firms such a profile.

The company's slogan is “Unsolved issues are canceled”. Specialization - registration and liquidation of legal entities and non-profit organizations, as well as legal and accounting services to individuals and firms.

Center registers new organizations economically and on a turnkey basis. The client is required only by statutory documents, all other stages, including opening a bank account and interaction with the tax service, will be undertaken by professionals. Another advantage of the company is low rates.

2) Express Registrar

The name of the company speaks for itself - Express Registrar works quickly and strictly within the framework of the law. The company was founded in 1999. It is the leader of the Russian legal services market in terms of the number of registration procedures since its foundation. The company has 4,000 loyal customers, 10 offices and 50 experienced staff members.

Advantages - payment only upon delivery (no hidden fees), remote interaction with the client via Internet communications (skype, icq, mail agent). The customer appears at the company only once, when he brings the documents for registration.

Moscow city service for registration of business and non-profit organizations. Operates with the support of Alfa-Bank. Registration in 3 days is guaranteed, but there are more quick options... Each client receives a gift in the form of opening and maintaining a current account. The company also provides customers with accessible legal addresses in all inspections of the Moscow Federal Tax Service.

5. How to liquidate a mutual credit society - 3 practical tips

It happens that a cooperative created with good intentions does not fulfill its obligations and its existence loses its meaning.

In this case, it is necessary to legally competently close the organization. It will not work just to dissolve people at a general meeting. You need to follow the provisions of the civil code.

The process algorithm is as follows:

1. We draw up the minutes of the meeting at which the liquidation was announced.
2. We inform the tax office about the termination of the CCP.
3. We appoint a liquidation commission.
4. We publish an announcement in the media about the termination of work.
5. We pay the money to the shareholders.
6. If there is not enough capital to pay off debts, we sell the property of the cooperative.

Several useful tipswhich will simplify the closing procedure.

The market of credit products is represented not only by banking structures; other organizations are also ready to lend money on credit. So, credit consumer cooperatives of citizens work with the population, where, if necessary, you can "intercept" the required amount for some time. Let's see how profitable such offers are and what distinguishes a PDA from a regular bank.

Credit cooperative - what is it?

At its core, this non-profit organization is a mutual aid fund: a cooperative attracts money from shareholders to provide financial support to its other shareholders. The service is paid for borrowers, and depositors receive their income for placing funds. The profitability for the investor is higher here than in the bank, but the borrower also receives money at a higher interest rate. The organization has its share of the management commission for the cooperative.

In what situations may it be necessary to apply to a credit cooperative and on what conditions can one borrow here?

When money is urgently needed ...

Three friends wanted to arrange an extraordinary vacation for themselves and go to the Crimea for a few days, otherwise, for several months now, new beaches and resorts have appeared in Russia, and they have not yet conquered all vacationers there.

We agreed that they would fly on Dobrolet next Friday, so that after 10 days of vacation they would go to work. The girlfriends asked the bosses to leave, instructed the one with the computer to know how to order tickets from the domestic low-cost airline on the Internet. But no, it turned out to be problematic. And the point is not at all the lack of air tickets, but in the lack of funds - the management let go on unpaid leave, and where to get money for great stay?

It was calculated that each would need 7,000 rubles for a flight and 20,000 rubles for accommodation in an all-inclusive hotel; additionally, they would need to spend on fresh fruit, as well as on entertainment. Well, and you need to get ready for the road - update your beach outfits. As a result, each of the girls urgently needed money in the amount of 40,000 rubles. Where to borrow about a month until your next paycheck?

The difference between bank loans and loans in a cooperative is significant:

• Only relatively small amounts can be obtained from the PDA - loans of more than 30-100 thousand rubles are not available to individuals who first apply here.
• The money will have to be returned much faster than the bank - only a few months are given to use borrowed resources.
• But you will have to pay much more - the rate in a cooperative may turn out to be an order of magnitude higher than offers from official financial structures.

There is one more significant difference - the speed of registration and the availability of receipt. If a credit cooperative is ready to accept borrowers between the ages of 18 and 70, then banks have their own age limit - from 21 to 65 years. And you will have to be more active in proving your reliability in the bank, and in non-profit organization, in addition to your passport, you are unlikely to be asked for an additional document.

What to choose for urgent borrowing?

Anna is an accountant in a reputable company: as the most conservative of the trinity decided to apply to Sberbank for a cash loan, fortunately, she has long been a client of this financial institution. After work I went to the nearest branch, filled out an application and waited for a call. They promised to resolve the issue within the next business day.

Yana is a freelancer: she, as the most advanced one, chose an online appeal inTinkoff Credit Systems , who promised to deliver a credit card with the required amount within 24 hours by courier directly to your home.

Alla is a salesman in a private store: she put off solving the issue until the last day and only on the last day ran into the office of the credit consumer cooperative "Credit Center" during her lunch break.

It is important not only how long the lender considers the application, but also his final decision - about the parameters of the loan provided. Additionally, one should not forget that it will take some time to make a decision on extradition, which must be taken into account in case of an urgent need for money.

What can you get with express lending?

Anna got a call from Sberbank on the second day and demanded to bring a certificate of income, which she did. Apparently, the fact of having a salary card in this bank played its role and the loan was approved. On the following conditions:

• Amount - 45,000 rubles ( minimum size consumer credit for Muscovites in this bank);
• Term - 3 months (it won't work for a shorter period);
• Rate - 21% per annum (Anna did not like the bank for some reason, since he set the maximum possible rate);
• There are no additional commissions and fees.

Yana received a Tinkoff Platinum credit card the next day after ordering it on the website. She showed the courier her passport, as well as her driver's license, and signed the documents to get the card in her hands. Then it took more time to activate the card, but very soon the money was practically in her hands.

• The approved amount was less than the requested amount - 35,000 rubles;
• She has the opportunity to pay off the debt on credit plastic over the next 20 months, paying the bank minimum payments of 5% of the debt, or you can return the entire amount even tomorrow;
• Interest outside the grace period - 29.9% for non-cash payments and 37.9% for withdrawing money from an ATM;
• Service - 590 rubles upon issue and activation of the card is debited from the account, 290 rubles and 2.9% for each cash withdrawal operation.

Alla was able to get a loan from the PDA "Credit Center" in half an hour upon presentation of a passport and TIN certificate on the following conditions:

• Size - as requested - 40,000 rubles;
• The term, as it is convenient, is 2 months;
• Rate - 15% per month, which corresponds to 180% per annum;
• Obligatory payment of contributions (entrance, membership, share) in the total amount - 1,000 rubles.

It is easier to get a small amount of debt in a credit cooperative than in any bank, but simplicity is not always a benefit. The overpayment on such a loan will be higher than on a traditional consumer loan. But you don't have to run around with papers and supporting documents, as Sberbank usually requires, or it is painful to calculate credit card debts, which can snowball because of additional fees. Processing loans in the PDA is convenient way borrow quickly.