Smart Cash personal account registration and login

Login to your account

MFO Smart Cash provides citizens with online loans for a short period of time with a high approval rate. Such approval statistics are due to the requirements for borrowers, they are minimal, due to this, approval occurs with virtually no refusals.

You can enter your personal account only through the official Smart Cash website smartcash.ru. This is a measure that provides additional security for the borrower. Click on the “Login” button at the top of the page, and you will find yourself on the company’s official website. The Smart Cash personal account is easy to use and allows you to manage your loan online without leaving your home. Obtaining a repeat loan through the personal account is carried out expeditiously, without collecting additional documents.

Login to the personal account of the Smart Cash MFO occurs by phone number. To do this, you will need to enter your mobile number in a special window, confirm the item: “I confirm my acceptance of the terms and conditions” and click “Continue”. After this, you will receive an SMS code to log into the system, this is your password.

As mentioned earlier, the personal account of an MFO is equipped with various useful functions. Here you will see the status of the current loan, the terms of the concluded agreement, etc. It’s easy to control a loan from your personal account; you can repay the debt around the clock or enable the loan extension function if it is not possible to repay it on time.

Initial registration in your personal account

During initial registration (in the Smart Cash Loan MFO), you need to select the amount and term on the main page and click the “Get money” button. Next, you need to log in using your phone, receive an SMS code and continue registration. Now you can leave a request by filling out the form with your data:

• Full Name;
• phone number and email;
• passport data;
• information about registration and actual address of residence;
• information about monthly income;
• information about the place of employment;
• information about debt (if any);
• information about 3 contact persons.

After this stage, company employees will ask you to undergo personal identification in order to securely issue a microloan. To do this, you need to send copies of your passport and the front side of your bank card, as well as your photo with your passport in your hands. Then all you have to do is wait for approval and receive money from Smart Cash on your card.

No need to remember your login and password

Smart cash - the MFO service itself generates a new SMS code each time you log in. This measure is an important key to the security of personal data. A one-time password cannot be intercepted over the network or guessed, so the company uses just such a login technology, and this system also simplifies the process of using a personal account.

If you have lost or updated your phone number, contact the company's hotline and an employee will change your contact information in the form.

Personal Area

Recently, cases of fraud in the banking and microfinance sector by substituting the official login to a personal account have become more frequent.
Beware of scammers and do not use phishing sites pretending to be official! Below is the entrance to the official website of the microfinance company.

MFO "Smart Cash" is an online service that has been providing lending services since April 2022. The company issues loans only remotely; it does not have its own service points. For many borrowers, this is not a disadvantage, because you can get money from Smartcash without leaving your home in 15 minutes. There are other features that are worth familiarizing yourself with.

Ways to receive funds

You can get a loan in 2 ways:

• transfer to a bank card;
• in cash at the MFO office.

A bank card must meet one important requirement: be valid until the expiration date of the loan agreement. When receiving your first loan on your card, you must undergo mandatory plastic verification.

Repayment methods

There are three possible ways:

• through your personal account by card;
• at the MFO office;
• at the cash desk of any bank in the Russian Federation.

No commission is charged when repaying debt in cash in the office or online on the official website of the microfinance organization.

Banking institutions may charge an additional fee for funds transfer services. Please note the timing: transfer of funds through a bank branch can take up to 3 days. The repayment day will be considered the time period in which the money was received into the MFO account, and not the day the funds were deposited through the bank’s cash desk.

• legal name: MCC UN-FINANCE LLC;
• BIC: 044030653;
• INN: 9721044508;
• r/s: 40701810755000001056;
• Checkpoint: 784201001;
• c/s: 30101810500000000653;
• OGRN: 1177746280337.

It may take up to 3 days to transfer funds through a bank branch! Please take this into account, since the date of repayment of the debt is considered to be the date of receipt of money into the company’s account!

MFO Smart Cash gives you the opportunity to repay the loan early without commission. If you have such a need, you must inform a company employee in advance. In this case, you will pay interest only for the actual period of use of the funds.

If you have difficulty making payments, the best solution would be to extend the loan. Enable this option in your personal account before the contract ends by paying the interest accrued to date.

Smart Cash Loan: overdue

In this situation, you should immediately contact a company employee who will tell you in detail about further actions and offer possible solutions to the problem. You should not aggravate the situation; if you do not seek help from the company, you will be charged penalties or fines. If repayment is completely denied, the company will be forced to file a lawsuit.

The best remedy for delay is prolongation. If the situation becomes more serious, contact the hotline staff and they will help you not to worsen the situation.

About the company Smart Cash

The Smart Cash brand belongs to MCC UN-FINANCE LLC, which is located in St. Petersburg. On April 27, 2022, the company was registered in the Register of Microfinance Organizations, its number is 1703045008238. In accordance with the requirements of the law, MCC was also registered with the specialized SRO “Unity”.

You can submit an application for a microloan 24/7, 7 days a week. However, the operating hours of the MFO are from 09-00 to 21-00, so the client’s funds are transferred only during this time.

Requirements for the borrower

To qualify for a quick loan from Smartcash, a potential borrower must meet a number of requirements:

• Age – from 18 to 65 years.
• Russian citizenship.
• Having a passport and a personal bank card.

Guarantors, collateral, and income certificates are not required for lending at the Smart Cash MFO. A bad credit history is also not an insurmountable obstacle - MCC "UN-FINANCE" treats clients with closed arrears with understanding.

Smart Cash reviews in 2022

Having assessed the feedback from clients of MFO Smart Cash, we can draw the following conclusions:

• loan conditions are convenient;
• a smart personal account promotes discipline;
• the company is popular in the market.

Many note the ease of completing the application and quick review. Borrowers were pleased with the transparent and understandable terms of service. Those people who received a loan with a bad credit history recommend the company for cooperation because they were able to improve their credit status after successfully closing the microloan.

Negative reviews mainly belonged to those who did not pay enough attention to studying the conditions and rules for providing a microloan.

Loan terms

Online loans from Smartcash are issued under the following conditions:

The lowest rate is set for borrowers who have already used the company’s services and have not violated contractual obligations.

Smart Cash Loan: online application

Apply for a loan

The conditions for providing a microloan are convenient and transparent:

• loan amount from 3 to 50 thousand rubles;
• period from 5 to 30 days;
• interest rate 1% per day or 365% per annum.

A smart loan is provided at a fixed rate; therefore, it is impossible to take out an interest-free loan, even for new clients.

Smart Cash Loan: requirements for the borrower You can receive money using 1 document, a passport of a citizen of the Russian Federation. If you have already reached the age of majority and have permanent registration and a place of work, then the chances of loan approval increase. In rare cases, an MFO may request additional documents to eliminate controversial situations:

• international passport;
• student or pensioner ID;
• TIN/SNILS;
• account statement;
• certificate from the place of work.

If you have already received a loan from the Smart Cash MFO, log into your personal account and fill out a new online application in a simplified version.

This time, you will receive a quick review of your application (within 20-30 minutes). The decision will come from an SMS message or an email. mail. The signing of the contract will also be carried out online, via SMS code.

Smart Cash Loan: advantages of registration

A high approval rate and favorable conditions are not all that awaits you:

• You can take out a loan even with a bad credit history;
• The company operates within the framework of the legislation of the Russian Federation;
• Personal account available 24/7;
• Getting a re-loan is easier and faster;
• Possibility of extension (useful if there are difficulties with payment);
• Loyalty system for regular customers (promotions, promotional codes and discount coupons).

The procedure for registering in your personal account and filling out an application

Submitting an application for the first loan coincides with the registration procedure in your personal account. This procedure looks like this step by step:

1. The borrower goes to the website, indicates the required amount and term. If you are satisfied with the total amount to be paid, you can click on the “Apply for a loan” button and proceed to the next stage.
2. Now you need to enter your full name, mobile phone number and email address. You will also have to agree to the terms of cooperation and click “Continue”. After this, you will receive an SMS with a digital code, which is entered in a special field.
3. Fill out the remaining points of the questionnaire: passport details, place of residence, employment, landline telephones. The borrower is also asked to upload a photo of a bank card and take a selfie with a passport. There is another way of identification - through the State Services website indicating the SNILS number.

The response to the application comes via SMS notification within 15 minutes. In addition, you can view it in your personal account. If the lender makes a positive decision, the borrower signs the electronic version by entering a secret code that is sent to the phone, and within a few minutes receives the money.

How to create a personal account Smart Cash

1. On the main page, move the sliders and select the term and loan amount
2. Click the “Apply for a loan” button, provide personal and contact information
3. Read the text of the Terms, Rules, Agreements using the links at the bottom of the registration window. To confirm your consent, check the checkboxes and click the “Continue” button
4. In the form, enter your passport details, income, place of work and all other requested information.
5. Enter the code from SMS to confirm agreement with individual conditions

Repayment methods

Debt repayment is possible in one of the following ways:

• From a bank card through your personal account. Enrollment occurs instantly, no commission is charged.
• Through Eleksnet payment terminals. This method is also free, but the money is credited within 1 business day.
• By transfer to the MFO account through commercial banks. Each bank charges a commission for this service, and it takes up to 3 business days for crediting.

After repaying the microloan, a certificate of no debt is automatically generated for the borrower. You can download it in your personal account, in the “History” section.

Conditions for early repayment, extension, penalties

If the borrower has the opportunity to pay off MCC “UN-FINANCE” ahead of schedule, he has the right to do this at any time without paying any fees. Interest will be calculated only for the days of actual use of borrowed funds.

If difficulties arise with repaying the debt, you are allowed to extend the contract through your personal account. The required option is called “Extend loan”. Extension is possible for 7, 14, 21 or 28 days. A fee is charged for the service, but interest is not accrued during the deferment period. But it is not recommended to allow delays: for each day the terms of the contract are violated, you will have to pay an additional 0.1%.

Reviews from debtors

Although the Personal Cash MFO is not very widely known in the microcredit market, it has its advantages:

1. Prompt processing of questionnaires and fast transfer of money.
2. Expedited consideration of applications for re-loans (within 3-5 minutes).
3. Possibility of early repayment and extension for a convenient period.
4. Availability of small discounts for reliable borrowers.

Also, many clients positively evaluate the fact that MFO employees do not call contact persons.

Among the disadvantages of the Smartcash service, it is worth highlighting:

• Lack of incentive program to attract new customers.
• Lack of alternative for potential borrowers who do not have a bank card.
• Extremely limited choice of debt repayment options.

There is another significant drawback. If a microloan is issued for a period of 8 days or more, the lender requires you to join a collective insurance agreement.

FAQ

There are some other questions that clients of MCC "UN-FINANCE" often ask:

1. I did not receive an SMS message with a code, what should I do? Please reboot your phone or submit your request again using the appropriate form.
2. I changed my phone number, how can I update the new one? You need to take a selfie with a piece of paper on which two phone numbers are written: old and new. Send this photo from the email you provided during registration to the email address: [email protected]
3. I changed my mind about taking a loan, how can I cancel my application? This can be done in your personal account, but only until the money is sent.
4. How can I correct incorrect data in the application form? Contact the manager via chat or hotline.
5. How quickly will the money arrive on my card? The period depends on the rules of your bank and can be up to 3 business days. Interest will be accrued from the moment the funds are credited.
6. Are loans issued on MIR cards? Yes, money can be sent to a MIR, Visa or MasterCard card.

Login to your personal account

For full access to MFO information, just log into the website through your personal account. For this purpose, the user goes to the main page, clicks on the “Personal Account” tab, indicates a personal phone number and a previously created password.

Login to your personal account

What to do if you forgot your password

In cases where the client has forgotten the password, it is enough to use the convenient password reminder link, when selected, a new password will be sent via SMS notification.

How to log in if your phone number has changed

When changing your phone number, it's easy to make changes using a personal photo with a piece of paper. To do this, you need to indicate the new and old number and send it by email

Login to your personal account