Финуслуги 2.0 - Займы онлайн

Finuslugi — fast online loans and credit cards

Finuslugi is a personal finance marketplace where you can get online loans, microloans, and credit cards in minutes. No phone calls, no lines, and no office visits — everything is right in the app.

Fast loans: registration in just a couple of minutes

Get a loan on your card in 5 minutes — register using your phone number, fill in basic information, and select the amount in Fin Uslugi

Fin Uslugi — nothing extra, just what really matters for approval and funds transfer

Online payday loans — fast microloans for urgent needs

Finu Uslugi loans without income verification — get money even if you don't have an official income

Loans to Yandex Money and WebMoney — choose a convenient way to receive your money

Microloans from Fin Uslugi up to 100,000 rubles — suitable for more than just urgent needs

Instant decision and funds transfer

Automatic scoring — approval response within 1 minute

Money transferred to your card immediately — after approval, funds are transferred to the linked card

The status is displayed on the main screen — you can see when the money arrives right in the app

Transparent terms with no hidden fees
Before approval You can see the amount, term, rate—daily/monthly rate, total due, and possible overpayment.
Calculators are available to compare scenarios—play with the amount and term before signing up.
Overpayment calculation in days and months—fix your overpayment.

Convenient repayment and overpayment
Pay partially or in full—use saved cards, transfer by details, or quick payment buttons.
The app will prompt you with the current amount—avoid unnecessary fees.

Financial dashboard and maturity control
The main screen displays active loans—upcoming payments and the amount due today.
Monthly charts and pie charts—visually show your budget burden, including the principal amount.
"Due Dates" section—all important dates: next payment, end of grace period, extension date.

Income, Expenses, and Analytics
Record your income and expenses—discover your actual budget burden.
Categories will help. Understand what's eating up your money — for example: groceries, utility bills, early loan repayment
Diagrams show interest and principal percentages — monitor overpayments and choose the optimal repayment strategy

Calculators and Help Sections
Built-in calculators — calculate the total loan cost by amount, term, and rate, show overpayments in days and months, and the effect of early repayment
Help guides — explain how the cost is formed, the differences between extensions and partial repayments, and how to maintain a good payment history

Security and Personalization
Two-factor authentication, data encryption, and session protection are the default
Face ID/Touch ID and PIN — choose a convenient login method
Dark and light themes, localization for Russia and Kazakhstan

Online loans in 5 minutes — from application to money on your card

Microloans without certificates — a quick solution for bad credit History

Loans to your card with daily and monthly accounting

Higher approval rates than banks – higher chances of getting a loan

The entire loan process in one app – application, approval, cash receipt, payments, overpayments, history

Lending terms:
Minimum annual percentage rate (APR): 0% per annum!
Maximum annual percentage rate (APR): 35% per annum.
Minimum repayment period: ninety-one days;
Minimum repayment period: four thousand three hundred and eighty days.

Example loan calculation from a microfinance organization:
Loan amount from Finuslugi: 25,000 rubles;
Term: 3 months;
Finuslugi rate: 12%;
Interest amount (example interest calculation): 501.65 rubles;
Total payment amount: 25,501.65 rubles;
Example monthly payment amount: 8,555.50 rubles