Займ-Экспресс. Онлайн займы

Zaim-Express is an app that allows you to apply for loans online and transfer funds to your card via the Fast Payment System (FPS) without visiting a branch. If you need a quick online loan with clear terms and conditions, submit your application in the app: complete the application form, complete an automatic verification, receive a loan decision, and then receive the funds on your card after approval.

How to get a loan on your card
- Loan application - just a few minutes: fill out the details in the app.
- Online loan decision - fast: your application is reviewed automatically.
- Funds transfer - funds to your card via the FPS after approval, subject to the terms of the agreement. Loans on your card are available 24/7.

Microloans
Zaim-Express is suitable for those who need a small microloan. You can apply for a microloan online in the app, as well as repeat microloans if the terms are suitable. Microloans are convenient when you need to cover a payday gap, pay urgent expenses, or borrow money for a short period.

Personal Account - Loan Management
In your personal account, you can manage your loans online: application status, terms, repayment amount, term, and transaction history. You can repay the loan, view your outstanding balance, and extend the loan term online if needed—without reapplying. This format is especially convenient if you regularly use online loans to your card and want to keep track of them.

Suitable for
- When you need a payday loan.
- When you need an online loan to pay for services or a purchase.
- When you need a microloan without unnecessary steps and with a clear repayment amount.
- When online loans are important, but the loan decision needs to be quick and transparent.

Transparency and Security
Before confirming the agreement, you can see the loan terms, interest rates, and the final repayment amount—without hidden fees. JSC MFI "Zaim-Express" operates under License No. 2110177000440 of the Central Bank of the Russian Federation. We comply with legal requirements, and personal data is protected by modern encryption methods.

Online loan terms:
Minimum annual interest rate: 292% per annum.
Maximum annual interest rate: 292% per annum.
Minimum loan term: 61 days
Maximum loan term: 18 weeks

Example online microloan calculation in our app:
Amount: 40,000 rubles for a term of 90 days.
The interest rate for a 40-day loan is 0.8% per day (292% per annum). The total cost of the loan is 292% per annum.
Accrued interest for 90 days of the loan is 28,800 rubles.
The repayment amount is 68,800 rubles.

Important: Loans are available to adult citizens of the Russian Federation. Loan terms and interest rates are calculated individually. The time it takes for funds to be credited to your card depends on the bank.