Not all financial difficulties are related to large purchases or protracted debts. Online microloans to card often save you in everyday situations when you need money here and now – to pay for a service, solve a technical problem or just get out of an unpleasant situation. One of the frequent scenarios is an unexpected locksmith call. When there is no time to think and access to money is limited, instant approval and fast transfer become a real support.

When a microloan is not a whim, but a necessity

Imagine: you come home after a long day and your keys are gone or the lock is out of order. Or the door slammed on the other side while you were out for a minute. Calling a locksmith service is logical. But to hear the sum of 4,000 rubles when you have 600 left on your card is not pleasant. Not everyone keeps an “emergency fund” under his pillow. And you need to call the master now, not in three days.

Microloans to the card online just and exist for such situations. They are issued around the clock, without a visit to the office, often without calls and unnecessary questions. All you need is a smartphone, the internet and a couple minutes to fill out an application. The money comes immediately after approval, and in as little as ten minutes you can pay for the locksmith call.

How microloans work without a personal visit

Many people still think that a loan is a questionnaire, passport, certificates and a trip to the branch. But online loans break these perceptions. The application is made directly on the MFI’s website, and everything happens in one step: you enter your data, link your card, confirm it, and wait for the result.

Some microfinance companies issue decisions automatically, without the participation of a manager. Due to this, the money can arrive on the card in 5-7 minutes after the application. Considering that lock picking is a matter of time and urgency, such speed is a great advantage.

Why the bank card is the main tool in a critical situation

If you find yourself without access to your apartment or car, you are unlikely to have time to look for an ATM or go to the office to get cash. Almost all locksmiths now accept cashless payment – whether it’s a transfer to a card or payment through a terminal. It’s convenient, safe and eliminates unnecessary interaction.

Having received a microloan on the card, you can immediately transfer the required amount to the master. And if he works through an individual entrepreneur or an organization, most MFIs give the opportunity to pay directly to the account of the performer, specifying his details in the personal cabinet.

What you need to get an online loan: minimum kit

Nothing complicated is required to apply for a loan. The entire process is automated and the requirements are basic. It is enough to have:

• Passport of a citizen of the Russian Federation
• Stable Internet
• A valid bank card
• Cell phone number
• E-mail (often required for registration in the personal cabinet)

Some companies may request selfies with a document or a small video verification – this is done for security and takes no more than a couple of minutes. In return, you get quick access to money, which can be used in any difficult situation.

How to choose a reliable MFI and not fall for tricks

When time is tight, it is easy to fall for a dubious service. To avoid trouble, follow three simple rules when choosing an MFI:

• Check the license – official MFIs are registered in the Central Bank’s registry. This is a guarantee that the company operates according to the law.
• Read the contract – even if time is short, do not skip information about fees, penalties and deadlines. Transparent MFIs do not hide real interest rates.
• Look at reviews – real user stories help you quickly understand who you are dealing with. Beware of sites without contacts and feedback.

How to avoid rejection: small tricks

A common problem among borrowers is the disapproval of their application. This can happen for various reasons: bad credit history, mistakes in the application form, suspicions of fraud. However, there are ways to improve your chances.

First, provide reliable data and check the application form before sending it. Second, choose well-known and loyal MFIs with high approval rates. Third, do not try to cheat the system – even if you have delinquencies, there are companies that still issue loans.

For maximum effect, you can send an application to several MFIs at once – then the chance to get money increases many times. And once approved, you can choose the best offer in terms of interest rate and term.