"League of Money": customer reviews

Not all financial problems can be solved with the help of banks. For example, when you urgently need money. In such cases, non-bank organizations come to the rescue, a vivid example of which is the MFO "League of Money". Reviews about her work are the most controversial. But how much do they correspond to reality? What in reality is the "League of Money"?

Brief description of the company

"Money League" is a young and promising company that provides microcrediting services. It was founded in April 2014. At the same time, the MFO passed state registration and issued the first microloan. Initially, it was a small company with limited capabilities and a small team. A little later "League of Money" (reviews about this firm can be found below) has grown into a real retail network.

Currently, the company is widely represented in 20 regions of Russia. But this figure, according to the founders of MFIs, is not a limit. It is planned to open over 50 new representative offices before the end of this year. Whether it will be possible to fulfill the promised or not, while it is difficult to say. But it is quite clear that the ambitions of this company literally beat over the edge.

What services does it provide?

"League of Money" (reviews about this organization, left by users, partly affect its reputation) provides microcrediting services for individuals and legal entities. At the moment, MFI offers three most popular programs:

• Loan "Bronze";
• "Silver";
• "Gold".

All three programs are non-targeted consumer microcredits, issued for the amount of 10,000 and 50,000 rubles, for a period not exceeding 52 weeks. Such loans are made in national currency. And the rate is 150.80-201.76% per year or 0.42% per day.

Options for obtaining a microloan

If there is an approved application, the "Money League" (customer reviews confirm this) offer the following options for obtaining a loan:

• By crediting the loan amount to the bank account of the person to be credited;
• By crediting the credit amount to the client's card;
• Money transfer through partner banks and other organizations, terminals.

In short, you can choose any convenient option.

What do customers say about the company's service?

In order to understand how professionally the representatives of the company work, it is enough to study the feedback. About the "League of Money" is often spoken in a positive way. For example, some MFI clients confidently state that they are completely satisfied with the quality of service. Others enthusiastically tell how quickly they managed to get a loan. According to them, all paper red tape took no more than 10-15 minutes.

Some talk about helpful and polite managers who are always in touch. They are so often help to find the answer to urgent questions. Some talk about the convenience of working with personal managers. In their opinion, it is very convenient that each client is assigned a credit assistant. Of course, there are people dissatisfied with the service, who were deprived of attention in this or that department. But you can not please everyone. How many people, so many opinions.

Who can get a loan in the "Money League"?

It is believed that everyone can apply to an MFI. But this is far from the case. As in any financial institution, Liga Money LLC (reviews of companies of such a plan are often associated with a number of erroneous opinions) have their own rules for potential borrowers. Among them are the following:

• Age is between 18-75 years;
• Presence of citizenship of the Russian Federation;
• Presence of a permanent registration at the place of residence;
• Permanent residence in the area where the MFI is located;
• Availability of an open bank account or card.

In addition, a potential borrower of a non-banking organization is obliged to inspire confidence in the microfinance company "League of Money". Reviews about this company allow you to think about how seriously they approach the evaluation of customers. According to most borrowers, MFI representatives ask a number of questions, sometimes they conduct testing and even make a visual assessment of potential clients. In the end, this allows them to reduce the risks of meeting an unscrupulous borrower.

Loan conditions: do they like borrowers?

Many borrowers who managed to solve their financial problems with the help of the "Money League", like the terms of the loan. According to them, the loan itself can be obtained from the passport. At the same time, to submit an application in any convenient way, for example, to come to the MFO branch or through a special form on the ligadeneg.ru website, call the hotline: 8 (800) 234-67-67.

Some borrowers of the "League of Money" (their reviews are often accompanied by a detailed description of the situation) like an individual approach. According to them, all applications of potential customers are considered individually. And after their approval, the borrower is waiting for a personal credit schedule and special conditions, calculated exclusively for him.

How difficult it is to work in the Money League: employee feedback

In order to assess the quality of the company's work, sometimes it is not enough to study only the opinions of users. It is believed that in this case the picture will not be complete. Consequently, the evaluation to the company "League of Money" will not be correct. Feedback from employees in this situation will help resolve the dilemma and display the MFI in its entirety.

For example, former employees of this company often talk about having the strictest discipline. They complain about the extremely short lunch break and the stringent requirements for smoking workers. Others like the possibility of rapid career growth and the availability of an individual approach to each client.

Some of them are satisfied with the conditions for granting microloans, namely short terms. According to them, such customers are easier to control, track payments and possible delays in payments. This is how people who previously worked or still work at LLC "League Money" believe. Employees' comments, as you can see, are related to the internal schedule, the peculiarities of the labor regime and other working moments.

Nuances of paying a microloan in an MFI

It is not difficult to make scheduled payments on a microloan. To do this, go to the company's website, select the "Pay" tab and fill in the appropriate form. In it, you must specify the following data:

• Number of the loan agreement;
• FULL NAME;
• Amount.

Then you will only have to choose the method of payment by "Credit Card" and make a payment.

Is it profitable to apply to the "League of Money"?

In the opinion of some clients, it is very advantageous to take a loan in the Money League if you follow the schedule and do not miss the payment dates. According to others, the amount of interest here is high, so it is not profitable to make a loan for a long time. Still others say the opposite. In their opinion, in this company the rate is much lower than that of other MFIs.

What about the delay in payment?

Based on the rules of the MFI, in the presence of untimely or late payment, the borrower must pay a penalty. Its size, as a rule, is indicated in the text of the loan agreement and amounts to 20% per annum of all untimely or not received amounts. If the debtor refuses to pay the bills, the MFO lends its credit to third parties for further collection. However, the borrower himself is entitled to prohibit the lender from applying to outside organizations, in this case to representatives of collection agencies. To do this, he needs to write an additional statement. It is his employees of the "Money League" who usually attach to the borrower's personal business. It is noteworthy that all this information is available in the loan agreement. But, as practice shows, most of its citizens, if they read it, are very inconsiderate. How is the situation really in fact?

What do users say about their credit debts?

Turning to a microfinance organization, many clients behave very imposingly. And all because the MFI is a non-banking organization. But this opinion turns out to be erroneous, since after several missed payments, the borrower is charged penalties and fines.

When the amount of non-payment reaches a certain limit, the representatives of the "Money League" simply transfer the debtor's business to the collectors. And with them, as you know, the conversation is short. That is why most of the negative reviews concerning MFIs are related to the work of collection companies. For example, some non-payers tell us that collectors call and threaten them by phone. Others report the amount of debt, painting the walls in the entrance with paint. Still others talk about the damaged door, which tried to enter the experts to beat out debts, etc.

But none of them even think about the fact that any life difficulties can be solved peacefully, for example, by informing them about the MFIs. They can revise the payment schedule, agree to partial repayment of the loan and even reduce interest. But all this in the real trouble of the client, which is easy to verify and prove.