Выдавайка

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Vydavaika is an information service that helps compare offers from microfinance organizations (MFOs) operating within the laws of the Russian Federation.
The app allows users to browse current offers on the microcredit market, compare terms (amount, term, interest rate, and total loan cost), and then go to the official website of the selected organization to submit an online application.

⚠️ Important: Vydavaika is not a lender.

The app does not issue loans, make decisions on applications, or accept payments.
This service is for informational and informational purposes only.
All MFOs in the catalog are currently registered with the Central Bank of the Russian Federation and operate in accordance with the requirements of Federal Law No. 151 "On Microfinance Activities."
The decision to issue a loan is made by the selected MFO after reviewing the application on its official website. The app does not guarantee loan approval.

💰 How it works

1. Browse the MFO catalog;
2. Compare terms by amount, term, and interest rate;
3. Select a suitable offer;
4. Go to the official MFI website to submit your application.

⭐ Advantages

— A catalog of only verified MFIs with valid licenses;
— Transparent terms and conditions for MFI information;
— 24/7 online access, no office visits;
— Regularly updated information on rates and terms;
— Simple and intuitive interface.

📋 Microloan Terms (based on MFI offers)

— Loan term: 61 to 365 days;
— Annual percentage rate (APR) range: 1% to 32% per annum;
— Late payment penalty: set by the selected MFI and specified in the loan agreement;
— Extension option: determined by the terms of the specific MFI;
— Hidden fees: none.

Actual loan terms are determined individually by each microfinance organization and published on its official website.

📊 Representative Example

This example is for informational purposes only and does not constitute a public offer.

Loan amount: 15,000 ₽
Loan term: 90 days
Interest rate: 0.1% per day

Interest for the period: 1,350 ₽
Total repayment amount: 16,350 ₽
APR: approximately 36.5% per annum (within the range of current MFI offers)

🔐 Security and Confidentiality

The application does not request or process personal data required for loan processing.
The user enters all personal data exclusively on the official websites of the selected MFIs.
The service provides informational access to offers only and does not participate in data processing. 📱 How to Use

— Review the list of microfinance organizations and their terms and conditions in the app;
— Click "Apply" or "Learn More" to go to the selected organization's website;
— Complete the application directly on the lender's website.

⚠️ Responsible Use

Use microloans only when necessary.
Review the terms and conditions on the microfinance organization's website and assess your ability to repay the loan on time.

⚙️ Legality

All microfinance organizations operate under licenses and are included in the official register of the Central Bank of the Russian Federation.
The app operates in accordance with Russian legislation, including Federal Law No. 151 "On Microfinance Activities."