Obtaining loans has now become easier thanks to the emergence of microfinance organizations. They offer online registration using a special form on the website and require a minimum number of documents.
In Romania, similar services are offered by Viaconto.
Basic parameters for obtaining a loan
This MFO (microfinance organization) has an official website through which loans can be issued for a short period of time. Typically it ranges from 5 to 30 days, which is standard practice for such companies.
Among the main criteria that the borrower needs to know are:
- Romanian citizenship is required, and the provision of a document confirming this fact.
- Loans are issued to people aged 20 to 65 years, younger and older people will be denied funds.
- Each applicant must have a salary or other confirmed permanent income, an appropriate bank account and a card where the funds will be transferred.
- The loan amount can range from 200 to 4000 lei.
Applying for a loan is simple. All you need to do is go to the official website, where the calculator is located on the main page. Use the sliders to select the loan amount and the period for which the money is borrowed. The total numbers in the field where the final redemption number is shown will change as the slider moves.
If the conditions are met, you can click the “Apply” button, and the form will display fields for filling in personal information. Here you will need your passport details, postal address and email, phone number. It is important to provide information about your recent income level and the bank card number where the money will be transferred.
The system will require a photo of the borrower with an unfolded passport to make sure that the request comes from the real owner of the document and to avoid cases of fraud. Without the specified information, the bot responsible for the procedure will simply refuse to accept the application.
Next, press the button to send the application, and within 15 minutes you will receive a response. If it is positive, then the funds will be immediately transferred to the bank, and they can be used at your own discretion.
Advantages of MFOs
This organization has all the licenses required by the laws of the country to provide loans to the population. She has been tested by the relevant structures and has a positive reputation.
The work is carried out on clear terms, the entire amount to be paid is shown immediately, even before the start of the loan application. Repayment options are also indicated. These parameters do not change, the company does not have hidden fees or fictitious interest, it is only important to carefully read all the terms and conditions of the loan.
