Modern methods of issuing loans include the possibility of processing them online. Such options are offered by microfinance organizations that operate under an official license and have the right to provide loans to individuals.
One of the leading Romanian MFIs is Viaconto.
Conditions and methods of obtaining a loan
This organization has its own official website, where on the main page it is proposed to apply for a loan. Here you need to do the following:
- Use the slider to determine the amount required by the borrower and the period for which payment is due. The first parameter ranges from 200 to 4000 lei, the second – from 5 to 30 days. These are common indicators for microfinance organizations. Almost all of them work under similar conditions.
- After setting the required values, the total field will show the amount that will need to be paid to repay the debt; it includes interest on the loan.
- If the client agrees to the terms, he continues to apply for the loan by clicking the “Apply” button.
- Fields will appear for filling in personal information: passport data; postal and email addresses; phone and bank card numbers.
- Next, the system will require you to upload a photo of the borrower with an unfolded passport in order to exclude fraud when a loan is taken out using a lost or stolen document.
- You also need to upload verified information about your salary or other income that indicates the borrower’s solvency.
After filling out the fields and sending the information, the decision will be made within 15 minutes. If it is positive, then the money will be transferred to the specified bank card.
The loan is only issued to people who have Romanian citizenship and are between 20 and 65 years old. If the borrower does not meet the specified conditions, the loan will not be approved.
Advantages
There is no need to visit the company’s office, collect a large package of documents and spend a lot of time. If a person meets the specified criteria and has a stable source of income, then the loan will be approved in almost 100% of cases.
The microfinance organization operates under transparent conditions, all design features are indicated on the website, and the amount to be repaid is displayed before the client begins the registration process. If the conditions are not suitable, you can refuse to continue registration.
The information received is confidential and is not made public. The repayment procedure is also described on the website and is simple and convenient.