Where to find a donor to get a loan. Credit donor urgently without prepayment. What happens if the customer does not repay the donor loan

28.09.2020

It often happens that when applying to a bank for a loan, a refusal to issue is received. The reason for this may be late payments, high credit load, bad credit history ...

And the question arises "What to do if the banks have refused, and the money is needed urgently?"
For such cases in the city of Moscow there are credit donor services.

How it works?

If you are refused by a bank or microfinance organization, then you need a person who will take a loan for himself, and will transfer the borrowed funds to you, while retaining his interest. This person is called a "loan donor" (hereinafter referred to as "KD"). As a rule, an additional agreement (notarized) is concluded between him and you, in which you undertake to the credit donor to pay funds to the bank without delays or delays.

Many CAs have wider connections with banks and higher issuance limits than those of an ordinary borrower. This is due to the fact that the donor very often takes and repays loans, so banks are very likely to issue new loans to him.

Moscow. How to get money from a loan donor?

It's simple. It is enough to leave a request for CD services at the bottom of the page. Please note: be sure to indicate a valid e-mail address or make sure that your e-mail is written correctly. this is where credit donors will send you their proposals.

Beware of scammers! Not all credit donors work honestly. If you are sent an offer where they ask for an advance payment, under the pretext of paying a bank commission, paying for notary services, etc. - do not transfer any money "forward" - this is a fraud.

Assistance in the selection of financial services / organizations. Not an offer.

Credit donor urgently without prepayment

Need a loan?

Below on the credit board - announcements of brokers who are ready to help with registration!

To get a loan:

Select an ad with suitable terms;
Contact the selected broker by phone;
Provide your details and follow the instructions of a specialist!

Remember - the main criterion for a fair deal is no prepayment!

Our advantages:
- The term of receipt is 1 hour
- We can voice the preliminary DECISION ON THE PHONE
- Amount - up to 1 million rubles.
- Without certificates and other documents, you need ONLY PASSPORT
- Loan term up to 5 years
- Individual approach
- We are in Moscow, several offices: Tushinskaya, Kuntsevskaya, Barrikadnaya, Myakinino!
* Prerequisite: no active delays, registration - all regions, except for the Caucasus and Crimea. Contact us, we will be happy to help! NOT A COMMODITY CREDIT. WITHOUT ADVANCE PAYMENTS.
WE INVITE TO COOPERATION intermediaries and brokers from the regions, we will be glad to cooperate.

Name: Sergey

Post office: [email protected]

LLC "PILAD"

- Attention! We work WITHOUT REFERENCES! NO ADVANCE PAYMENT! AND THE MAIN THING IS OFFICIAL AND RELIABLE!
- We do not work with open delays! Allowed up to 1 week! (Hurry up)
- We do not work with citizens of Crimea and the Caucasus
- Loan term from 6 months to 5 years. Depending on the selected program!
- Interest rate from 11 to 25% per annum based on your Credit history!
- Requirements for the Borrower: Passport and Any second document
- Age from 18 to 69 years old inclusive
- Amounts from 15,000 to 1,000,000 on hand by Express for 1 hour
- We are 5 minutes from the metro! Call from 10 00 to 21 00
- We work remotely with the regions! Write to WhatsApp
Website: www.mskkredit24.com

Name: Michael

Post office: [email protected]

LLC "WATERLUX"

Official loan with even a bad history, with delays.
5 years of successful work, license number 850951. Official loan per day, contract, payment schedule.
From 50,000 rubles to 2 million rubles - a special loan rate of 13.9% per annum.
The conclusion of a contract is therefore a huge request for scammers - do not waste time.
Commissions and prepayments - NO, as well as payment for certificates and other things, for checking the CI as well.
Loans to citizens of the Russian Federation from 21 to 66 years old without a criminal record.
If you are interested in my offer, write to email.
Post office: [email protected]

Name: Victoria

Post office: [email protected]

IE Kruglyak M.A.

Amounts from 300,000 to 6,000,000, age from 21 to 67 years. The commission depends on the amount and complexity of your situation! Only upon receipt of funds! Strictly NO ADVANCE PAYMENTS, call and write only to adequate people, in their right mind !!! I have no business with "Alcoholics" and "Drug Addicts"! Remote application, you come only to receive a specific employee in a specific department! CONSIDERATION FROM A FEW HOURS TO DAYS (depends on the amount)! I WORK WITH ALL REGIONS WHERE THERE ARE OFFICES OF OUR BANK! Terms of 9.9% per annum (fixed rate), loan term up to 5 years. I am not engaged in mailing! I work with a specific bank (I am an employee), in which I have good opportunities at the level

Name: Natalia Alekseevna

Post office: [email protected]

IP Ilyin A.M.

Loans and credits for any of your needs. We offer to get from us any amount up to 3,000,000 rubles in one hand, regardless of your credit rating, debt and credit burdens, delays and other problems. Registration in the Russian Federation and age over 18 is a prerequisite. We work on transparent and simple terms... If you need money, and you do not know where to get it, please contact us!

We will provide assistance in obtaining funds. We issue loans honestly and without prepayment! Directly without intermediaries, guarantors and collateral. There is no need to buy various documents and certificates. You pay our interest after the fact and only for a positive result. Our experts will select for you the most profitable lending option that suits you! Any credit history, debt and credit loads are allowed.

Cash loan, we arrange for two documents without prepayments, commissions and any financial investments from the borrower's side
No mailings, we submit applications only to those banks in which we have the opportunity to influence the result of consideration
Up to 3,000,000 rubles for up to 7 years, annual rate from 16.9%

A credit offer available to borrowers with overdue payments on existing loan obligations
In fact, we help you get a loan in any difficult situations related to your credit history.

We work with any credit history, open delinquencies and a stop list.
We cover all regions, help borrowers from 18 years old.
Here you will not hear the word (refusal), only a positive result.
We will do everything carefully, without mailings to banks and other incomprehensible schemes.
Fast work. Do you want money? Write to the mail!

We provide cash loans without collecting documents, long checks and other red tape. The possibility of receiving funds today without various prepayments and providing certificates. You risk nothing, all settlements with our employees after receiving cash! We work in the regions, we help with any financial problems, blacklist and stop list.

Assistance in obtaining a bank loan promptly, clearly, professionally, without financial investments from outside
borrower

Bank loan up to 5,000,000 rubles, cash receipt in the Russian Federation in 1-2 business days
Write to us by mail, we will help with registration Affordable annual interest, reasonable commission-10%, any delays and loads in third-party banks

We help all over Russia and achieve concrete results.
Any credit history, we work with open delinquencies and a stop list.
We do not send mailings to banks, do not create the appearance of work, we do the result
Favorable conditions and interest, you will be very pleased with the possibility of further cooperation.
You will receive all the cards from us, for this you need to write to the mail.

Where and how to get the required amount of funds when your credit reputation is completely damaged? Who will provide the client with such services and help secure a loan? And who are the credit donors, how can they help the co-borrower and are they really worth trusting? All, and not only these questions, we propose to consider in this publication.

A credit donor is a person who has a positive credit reputation and is ready to take out a loan for another citizen at any time. In the Russian Federation, credit donation has emerged relatively recently, but it is already characterized as a fairly widespread and popular financial service.

Persons who, for individual reasons, cannot use a bank loan (as a rule, it is a bad credit history, criminal record, etc.), are forced to resort to the services of credit donors. Note that such intermediaries as brokers or others will simply be powerless in this situation, since only donors can provide real assistance.

Features of the loan donor's work

Credit donors can work directly or through specialized organizations that provide donor services at the time of loan registration.

It is preferable for the borrower to contact a company that will select a good credit donor with an excellent credit reputation. Nevertheless, the pricing policy for services in such companies will be an order of magnitude higher than direct cooperation without the involvement of third parties.

A potential client contacts a company that specializes in the selection of a loan donor, and undergoes a short interview. After that, the company, according to individual criteria and parameters, selects a loan donor for the client.

The work of credit donors is carried out according to the following principle: the donor takes on a bank loan in the amount required by the customer. Further, the loan funds are transferred to the customer for a certain percentage of the fee. Note that the customer directly guarantees further repayment of the debt in accordance with the payment schedule established by the bank.

The loan donor collects the amount of remuneration specified in the contract, and transfers the rest of the funds to the company, which also takes a percentage of these funds for the selection of the appropriate donor to the borrower. The amount that remains is transferred to the borrower.

When the borrower receives cash, he fills out a receipt, which will guarantee the timely repayment of the donor's debt in full. This document also prescribes a method for refunding funds: in cash directly to the company, to a credit donor, or making a mandatory monthly payment on your own at the specified details.

It is worth noting that credit donation companies operate exclusively on a legal basis, moreover, in most countries of the world. For the work of such organizations ideal way the legal basis has been provided, and the persons who earn on credit donation are fully and unconditionally legally financially secured.

All agreements are drawn up directly with a notary, and provide for a wide variety of options for the development of relations between the loan donor and the borrower.

Strange as it may seem, but it is credit donors who are in the risk zone, who decide to get someone else's loan for themselves. And if the customer does not repay the debt, the bank and the collectors will demand a refund exclusively from the borrower - in this case, the credit donor.

Pros and cons of credit donation

Like any other form of lending, credit donation has a number of advantages and disadvantages. The advantages include:

the possibility of obtaining credit funds for persons who, for personal reasons, cannot obtain a bank loan;
this method of obtaining a loan is practically trouble-free and guaranteed;
confidential data of persons who thus receive borrowed funds are not displayed in the information of credit bureaus.

Of course, this form of lending has disadvantages, and quite significant ones. For example, it is necessary to note the fact of overpayment of a donor loan, and unlike a bank loan, it will be much higher. So, the borrower needs to receive 15 thousand dollars for a period of 12 months. In this case, in addition to the one-time payment of the donor's remuneration in the amount of about 30%, it is still necessary to pay off the interest for using the loan, and do not forget to make a mandatory payment on a monthly basis in a timely manner.

What happens if the customer does not repay the donor loan?

The outcome of this situation depends entirely on how the customer cooperates with the donor. If the method is chosen directly, then the donor will need to personally return his money, and then go to court with a claim and the attached receipt of the customer to recover the funds.

If the customer turned to a company that provides credit donation services, then most likely the case may not reach the court. As a rule, such organizations have their own full-time security services that will deal with the issue of demanding funds from the customer. Another alternative is that the organization, with a receipt from the client, applies for appropriate assistance to a collection agency.

Assistance in the selection of financial services / organizations. Not an offer.

Credit donor urgently without prepayment

Need a loan?

Below on the credit board - announcements of brokers who are ready to help with registration!

To get a loan:

Select an ad with suitable terms;
Contact the selected broker by phone;
Provide your details and follow the instructions of a specialist!

Remember - the main criterion for a fair deal is no prepayment!

Name: Sergey

Post office: [email protected]

LLC "PILAD"

Name: Michael

Post office: [email protected]

LLC "WATERLUX"

Name: Victoria

Post office: [email protected]

IE Kruglyak M.A.

Name: Natalia Alekseevna

Post office: [email protected]

IP Ilyin A.M.

Loans and credits for any of your needs. We offer you to get from us any amount up to 3,000,000 rubles in one hand, regardless of your credit rating, debt and credit burdens, delays and other problems. The presence of a residence permit in the Russian Federation and the age of over 18 is a prerequisite. We work on transparent and simple terms. If you need money, and you do not know where to get it, please contact us!

A credit offer available to borrowers with overdue payments on existing loan obligations
In fact, we help you get a loan in any difficult situations related to your credit history.

Assistance in obtaining a bank loan promptly, clearly, professionally, without financial investments from outside
borrower

Bus stops and internet bulletin boards are full of headlines for loan or loan assistance. As a rule, such orders are left by brokers / agents.

For the majority of potential applicants, the essence of the services they offer is more or less clear, but the specifics of the credit donor's activities are covered with a veil of secrecy. What is a loan donor? How to get a donor loan? What do banks and lawyers think about this? Let's figure it out.

What is a Credit Donor (CC)?

For most citizens, applying for a cash loan is a simple procedure. However, there is a category of borrowers for which obtaining a loan from a bank is virtually impossible. Basically, these are borrowers with spoiled CI, persons with a criminal record, not officially employed or not having a residence permit in the territory of the Russian Federation. In general, all those who do not fit the requirements of the bank. It is at this moment that numerous sharags appear, which for a certain fee offer to issue a loan through an intermediary, that is, a donor.

Donor loan scheme

There can be several scenarios for the development of events:

Contacting a special company that provides "donor" services
Direct cooperation between CB and the money seeker

The first scheme: for example, you want to get a loan from a bank, but you cannot do this for one of the above reasons. Then you turn to company "X" for help, where they select a donor for you. The selected CA meets all the requirements of the selected bank, has a good CI, residence permit, seniority and even the necessary documents from work. The parties conclude an agreement under which the donor receives a loan and takes 10-30% of the loan amount as a reward, and gives the rest of the money to company X. That, in turn, also takes 5-10% of the amount as payment for the services provided and gives the remaining money to the applicant, that is, to you.

Thus, the applicant receives, at best, 50-60% of the amount originally issued on the loan, and in addition, monthly payments on the loan and interest from the bank.

After receiving the funds, you write an IOU to Company X, where you agree to repay the donor's loan in full. To make the situation realistic, you do not pay the loan yourself, but transfer the payments to the company "X", which gives them to the real borrower - the credit donor. It is he who makes monthly payments to the bank's cash desk. This is partly done for reassurance. So that if something happens, "the mosquito does not undermine the nose."

In fact, the scheme is thought out to the smallest detail and everyone wins: you, the applicant, get the money you needed, albeit at insane interest. Company X in chocolate after receiving its reward. AND looks like a reliable borrower in front of the bank, having at the same time a reward for a loan issued for itself.

The second scheme for direct cooperation is almost the same. Except that the applicant will have to search for a real credit donor for a long time. Fraud in this area is off the charts, and on both sides. You can also save on commissions for the company, and you will have to write an IOU in the name of the borrower.
This option is more profitable for the applicant, but not for the CD. The intermediary company can guarantee the donor that the applicant will pay off the loan of his own free will or "under pressure".

In the case of direct cooperation, the donor will have to independently knock out money from the applicant to pay for the loan if he refuses the debt. If the money cannot be knocked out, the CD will have 1 option - to go to court with an IOU to collect money through bailiffs.

Requirements for applicants

Surprisingly, but not everyone can use the services of a donor. Companies put forward certain conditions and requirements for applicants. For example, they will not "work" with a client who meets all the requirements of the bank and can independently, that is, without unnecessary help, arrange a loan in his own name. There are also unspoken minimum amounts for a loan through a donor. For example, hardly anyone would want to cooperate with an applicant with a loan amount of 50-70,000 rubles. As a rule, the lower threshold starts from 100 thousand.

Advantages and disadvantages for the borrower

As the main advantages, companies providing donor services put forward the following arguments:

The ability to receive money with a damaged credit history and open enforcement proceedings, stateless persons or residence permits, citizens with a criminal record, etc.
100% receipt of money. Even if the donor is denied a loan in one of the banks, you can apply for a loan in another organization or replace the donor.
Anonymity in obtaining a loan in front of relatives, employers, there will be no marks in the BCH

When a person in a difficult financial situation has no other option, then CBA can really become a way out of this situation. However, every applicant should know that such transactions are illegal and threaten with criminal liability under Article 159 of the Criminal Code of the Russian Federation to all parties.

Each borrower, when signing a loan agreement, indicates that he acts in his own interests and takes money exclusively for himself, for his needs and purposes. In practice, he draws up a loan for an outsider, which violates his obligations under the contract. Moreover, with all the costs (payment for intermediary services, remuneration to the donor, bank interest), the borrower overpays about 100%. Is it worth going to such an overpayment and risking your freedom for a loan at any cost?