Microklad offers convenient and fast online credit cards available throughout Russia. Our service works around the clock and every day, allowing you to apply for a loan without refusal, using only your computer or smartphone.Through the use of advanced IT solutions, Microklad has greatly simplified the process of obtaining a loan to 10-15 minutes. After the approval of the application, the funds are automatically transferred to your bank card.To simplify registration, we offer two options: through the Unified Identification and Authentication System (ESIA) or standard. If you choose the ESIA, all you need to do is enter your login and password from the State Services portal, without providing any extra documents.Applying for a loan in Microklad is easy and convenient in three steps:Send an application to Microklad, spending only 10 minutes on it.Get an answer within the next 5 minutes.Immediately receive money on your bank card.Our terms and conditions are clear and transparent:The minimum annual interest rate (APR) is 0% per annum.The maximum annual interest rate (APR) is 35% per annum.The loan term can vary from 91 days to 4380 days.Example of loan terms:The amount of the loan to the card before salary is 25,000 rubles.Loan term is 3 months.Interest rate - 12%.The amount of interest is 501.65 rubles.Total refundable - 25 501.65 rubles.Monthly payment - 8 500.55 rubles.You can use your personal account on our website to return a microloan or choose one of the alternative payment methods.We also provide a quick loan facility through the Fast Payment System (FPS), guaranteeing you a secure and instant receipt of funds.Microclad is a guarantee of quality and reliability. Our activity as a microfinance organization is confirmed by Yandex, we are registered in the state register of MFIs. Our work is controlled by the Bank of Russia or a relevant self-regulatory organization of which we are a member. Our website is being audited by the Bank of Russia as part of the fight against illegal creditors."All in all, Microclade is a fast and reliable solution for those who are looking for convenient online loans.