Credit Line: customer reviews
The abundance of goods and services on the market creates one problem for everyone - there is not enough money for everything you want to buy. But if you really need a thing, you don’t have to save on it for a long time. You can buy on credit. However, it is not always convenient to contact a bank branch, especially for a working person. But today there is a company “Credit Line” on the market. Reviews emphasize that it saves time.
Let's imagine for a moment that you need a large amount to buy expensive furniture or household appliances. It was decided to take a loan for this. What interests you first? Of course, conditions and interest rate. But is there enough free time to study them?
Usually this is a serious problem for a working person. But for this purpose there is a company "Credit Line". Reviews indicate that you not only get rid of the need to run around the banks, but also get the opportunity to send an application to several organizations at once and choose the best conditions.
Invitation to cooperate
It should be noted that the company acts as a link and coordinator between the store, the bank and the customer. The man saw the product he liked and made a loan application. Now “Credit Line” gets down to business. Reviews suggest that within a few hours representatives contact the banks and give you an answer about the possibility of lending.
It remains to sign a loan agreement. Now the money goes to the seller, and the goods are sent to the client’s house. Agree that the scheme is very convenient and attractive, because the time resource is often very limited.
Advantages for trading companies
It turns out that the buyer is a second-level client. First of all, the store must sign a cooperation agreement with the company "Credit Line". Customer reviews point out that today there are more and more such shopping centers, which is very convenient. What the store gets in this case:
- He risks nothing. When you make a loan agreement, the seller receives money in full, after which he can ship the goods. That is, the point of sale does not have to wait several months while you pay in installments. It remains a jar.
- The number of buyers is growing.New people come who could not otherwise afford such a purchase, and the loyalty of old customers is increasing.
- Increases the average check. With such an offer, a person can afford much more than before.
- Transparent scheme of work at all stages.
- Transfer of money for the goods sold immediately, without unnecessary waiting.
There are also mediated advantages. New influx of customers means profit. That is, there will be working capital for the expansion of the range and various stocks.
This is one of the advantages of Credit Line LLC. Reviews emphasize that when they first became acquainted with the services of this company, the first impression was formed precisely on the work of the site. This is a common mistake when the interface is incomprehensible, or half of the services are missing in the online format. But there are no complaints.
- For the buyer, this is a convenient online service. You can shop at home or at work. Guarantors and down payment are not required. In this case, the second item is not excluded, but remains at the discretion of the buyer.
- For stores, the company specifically develops a special module for the official site. This is an automatic system with a built-in calculator.This will allow buyers to quickly calculate the cost of purchase and overpayment. The buying process has become even easier.
What banks does Credit Line cooperate with?
Feedback is not for nothing that they note that each of you will find an offer that will be of interest. The company cooperates with four banks, which are famous for the most loyal schemes.
- "Alfa Bank";
- "Home loan".
All of them are widely known in Russia and the near abroad. Practice shows that even in the most hopeless cases, Home Credit is ready to go to a meeting and approve an application. Of course, the percentage will be quite high. Lending is made online, throughout the Russian Federation.
How to make a purchase
The scheme is so simple that everyone can easily master it. This is underlined by numerous reviews. LLC MCC Credit Line is focused on a wide category of consumers, so the interface was created as accessible as possible. You only need a computer connected to the Internet:
- Go to the website of the online store, which is connected to the system "CreditLine". Now select the desired product and go to the "Basket" menu for the purchase.
- Now use the loan calculator. This will allow you to set all the conditions that are interesting for you.
- Now the “Make a loan” button becomes active.
- The specialist will call you and agree on which banks the application will be sent to.
- If the application is approved, the manager will agree on the time and place of signing the contract.
- When signing, you will need to give the passport to the logistics service manager Need copies of pages with photos and registration.
When all the steps have been taken, it will remain to indicate when and where to deliver the purchase.
Judging by customer reviews, Credit Line is an extension of your capabilities and an opportunity to save time. Immediately on the site where you choose things, you can arrange and credit. There are also many opportunities for cancellation:
- in bank branches and terminals;
- in the post offices of Russia;
- various payment systems: Eleksnet, Rapida, Qiwi;
- interbank transfer, that is, the amount can be simply transferred by contacting the nearest branch of the bank;
- contact your company's accounting department and fill out an application;
- Internet banking.
You can pay the loan early, in this case there are no fines.
How is the return of goods
This is an interesting and important question, especially on the condition that you did not pay the money for the goods, but purchased it through the Credit Line system. What is convenient, has already been said. But what if the purchased item does not suit you? There is a proven system of return and exchange of goods:
- When replacing a product with a higher value, you will need to make a difference in the cashier of the store.
- If, on the contrary, the goods cost less, then the balance is transferred to the loan repayment.
- When returning the goods, settlements within the amount of the initial payment are made through the cashier. The remaining amount is refunded to the Credit Line service account.
Kaz Credit Line
Reviews make it clear that this is a well-known company in Kazakhstan, with an identical name. Her field of activity is somewhat different, this is microcredit. The company has been operating in the market since 2013. All these years it has been steadily growing and developing. Unlike all other MFIs, this company provides an opportunity to issue a loan on the official website of the company. That is, the consumer is free from having to contact the office once again.
- The borrower can get a loan from 50 to 1,500 thousand tenge.
- The term of the contract is up to two years.
- Annual rate from 21 to 45%.This will depend on the documents provided, proof of income, and credit history.
To obtain a loan, you must have pension contributions. Only documents of citizens of the Republic of Kazakhstan or persons with pension contributions are accepted for consideration. Documents will require an identity card and an account where the money will be transferred.
In their reviews, customers note convenient terms, as well as the possibility of combining various loans at a favorable interest rate. There are preferential conditions for regular customers, as well as unique programs for individual entrepreneurs. The annual rate does not exceed the threshold set by the national bank.
Instead of conclusion
As the reviews confirm, Kaz Credit Line constantly improves both the product line and the conditions for issuing loans. In addition, reviews emphasize the high quality of customer service. Unlike most competitors, here you are offered affordable interest rates to customers. If you correctly calculate your income, you can pay off the debt without affecting the budget. In addition, there are special schemes for reducing payments, which will alleviate the burden if revenues are suddenly reduced.
Despite the fact that these two companies provide different services, they are united by the focus on the client and the desire to grow. How to do it? Only gaining the trust of consumers. Therefore, it can be said with confidence that in the future these companies will offer even more interesting cooperation schemes. According to reviews, we can conclude that companies provide services on clear, transparent terms. This ensures customer loyalty.