Кубышка займ

Kubyshka Zaim is an information aggregator of offers from microfinance organizations. The app helps you find online loan options, compare key terms, and select the right offer for further interaction with the selected MFI.

All offers in one place

When choosing a loan, users don't need to sift through numerous websites. Kubyshka Zaim collects information about offers from various microfinance organizations in one directory, making comparison easier and more intuitive.

In the app, you can:

• View offers from MFIs;
• Compare amounts, terms, and interest rates;
• Search for loan options to a card;
• Explore the terms of different offers;
• Select a suitable MFI;
• Submit a preliminary application for the selected offer.

The preliminary application is submitted within the app; the decision is made by the MFI.

Kubyshka Zaim does not issue loans, is not a lender, and does not make the final decision on applications. The app provides the technical capability to submit a preliminary application to the selected microfinance organization.

After this, further review takes place with the microfinance organization. The selected organization determines the individual terms, makes the final decision on approval or denial, concludes the agreement, and, if approved, disburses the funds.

The app does not guarantee approval and does not influence the microfinance organization's decision.

Catalog for independent selection

The service is available online 24/7. Users can explore microloan offers online, compare available options, and return to the catalog at their convenience.

Kubyshka Zaim helps with searching and comparing offers, but the final choice is up to the user.

Calculation example:

For a loan amount of 18,000 rubles for a term of 150 days and a daily interest rate of 0.028%:

Interest amount: 756 rubles.

Total repayment amount: 18,756 rubles.

Equivalent annual interest rate: 10.22%.

Loan Terms:

Loan terms: 61 to 365 days.

Annual percentage rate (APR): 1% to 32%.

• Loan extension option – subject to lender terms.
• Specific terms are determined by the selected microfinance organization.

About MFI Offers

All microfinance organizations listed in the Kubyshka Zaim app are included in the official register of the Central Bank of the Russian Federation.

The catalog of offers is regularly updated.

Legal Information:

The Kubyshka Zaim app is not a lender, bank, or microfinance organization and does not issue loans.

This service is intended solely to search, select, compare, and inform users about offers from microfinance organizations. It also provides the technical capability to submit a preliminary application for a selected offer.

The application review, final approval or denial decision, determination of individual terms, contract conclusion, and disbursement of funds are handled directly by the MFI selected by the user.

Privacy and Security:

When submitting a preliminary application, the app processes the data the user provides for transfer to the selected microfinance organization.

Data processing is carried out in accordance with Russian law and the Kubyshka Zaim app's Privacy Policy.

Before using the service, the user can review information about the data processed, the purposes for which it is processed, and the terms of transfer to the selected microfinance organization.

The app requires internet access.