Most often, a small amount of money is required to cover current expenses, such as paying utility bills, medical services and other. To go to the bank for a loan is unprofitable, since it will take a lot of time and will require the collection of a large number of documents: from the certificate of employment, to the contract of guarantee. In this case, the appeal to the banking institution does not make sense, in contrast to filing an application with the microfinance organization (MFI), which allows you to take an urgent loan as quickly and with a minimum set of documents.

Why is it difficult to get a term loan in a bank? Making a loan with a bank involves a number of formal procedures designed to certify the borrower's solvency. Their necessity is caused, first of all, by the percentage of non-return of borrowed funds, which, despite the increasing volumes of lending, remains quite high. The reason for this is the depreciation of the hryvnia and the growth of the bank interest rate on loans, which does not allow one part of Ukrainians to take out loans, and another to pay them on time. According to the National Bank of Ukraine, the number of non-performing loans for 2017 averaged 55.8% of the total. Analysts at the Financial Market Research Institute (GfK) predict a decrease in the number of problem loans by almost 10% in 2018, which is still almost half of the total loan amount.

All the difficulties of obtaining loans in the bank are beneficial to microfinance organizations (MFIs), the number of which grows annually and in 2018 is 679 officially registered companies.

Reasons for applying for a term loan in an MFI Unlike a bank loan, microfinance companies do not require a large number of documents from the borrower, which saves time and allows you to get loans on the day of treatment. In addition, MFIs are not interested in the purpose of spending, and for their expenditure, no control is exercised. Most often, Ukrainians take express loans for:.

- purchase of small appliances;.

- smartphones, tablets, laptops and other electronics;.

- payment of bills for utilities, medical, legal services;.

- purchase of clothes, furniture, household items of daily use and other.

The need for the means to meet the above goals arises in a significant part of Ukrainians and can be caused by:.

- delay in salary;.

- reduction;.

- the presence of another loan;.

- temporary financial difficulties of an unforeseen nature.

One of the leaders in the microcredit sector is the "ShvidkoGroshi" company, issuing urgent loans quickly and on favorable terms.

Why take a quick loan in ShvidkoGroshi To solve everyday financial issues, the company offers convenient online credit service and the ability to receive cash in one of the offices available in 42 cities of Ukraine.

Focusing on borrowers, the company offers:.

- quick loan processing on the site online;.

- approval of the application with a minimum set of documents;.

- loan amount up to 5000 UAH;.

- Maturity up to 14 days with the possibility of prolongation;.

- availability of online services from any device connected to the Internet;.

- the opportunity to apply on the site around the clock;.

- loan repayment through the personal cabinet on the site, the bank branch or self-service terminal.

If there is an urgent need for money, you should contact "ShvidkoGroshi". Working in accordance with the legislation of Ukraine, the company guarantees its customers the security of all financial transactions and personal data.