GMoney is this a scam? Review and Customers Reviews

GMoney – is an online service that specializes in issuing short-term microloans to citizens of Kazakhstan. The project belongs to MFI Unicredo LLP and has been operating since 2010. It positions itself as a reliable company, where honesty, quality of service and focus on the convenience of the client are important. Regularly holds promotions, provides discounts to regular clients.

No proof of income or pension contributions are required to apply for a microloan. Applications are accepted online only through the website gmoney.kz. You do not need to visit a branch, manage your loan through GIMani Personal Cabinet. In the LC, the contract, information about current loans is available, and you can also repay the loan. In our review, let’s consider how convenient the GMoney lending service is and whether it is not a scam? Consider the conditions and rules of microcrediting, the features of work MFI, customer reviews.

 

Why GMoney?

Advantages of online microcredit service JiMani:

• more than 100 thousand clients for 13 years of work;
• discounts and monthly prize drawings;
• granting loans with bad credit history;
• complete absence of paperwork bureaucracy;
• access to prolongation of the contract term;
• low interest rate on the 1st transaction;
• execution of the application in 10 minutes, consideration of 1 minute;
• transfer of money to the card within 7 minutes (usually immediately).

You can get money with interest for any purpose without restrictions. Do it in any convenient place, from your PC or smartphone. The whole procedure takes a few minutes and is carried out remotely. Internet access, passport and bank card are enough.

 

Urgent money loans from gmoney.kz

GiMoney offers its clients 2 types of loan in tenge:

• from 20,000 KZT to 50,000 KZT, issued at 2% per day for a period of 10 to 45 calendar days;
• from 20 000 KZT to 170 000 KZT, % is calculated individually (repeated loan).

Let’s assume that the minimum term of the loan is 5 calendar days. The rate is 30% of the loan amount. Regular customers are given good discounts. If necessary, the term of the loan agreement can be prolonged up to 120 months.

Terms and conditions of money loans

To get a loan from GMoney, you need to meet these requirements:

• citizenship: Republic of Kazakhstan;
• legal capacity under the laws of the Republic of Kazakhstan;
• age of the borrower: from 20 to 61 years old;
• a steady source of income;
• Having a bank card or account;
• cell phone and internet access.

Legal entities can also take a microloan from JiMani. The organization must have existed for at least six months before applying for a microcredit. In addition, be free of tax liabilities and be able to confirm their income at the request of the MFI.

How do I apply to borrow money from JMoney?

To apply for a microloan, use the online calculator on the website. Specify the amount you need and for how long you need the money. If there is a promo code, apply it, and click on the “Get money” button. Pay attention to the amount of overpayment in the “Fee” column. Then fill in your personal data:

• IIN – individual identification number;
• email address;
• cell phone number.

Fill in these lines and click on “Get SMS code”. When you receive the code, fill in the questionnaire, specify:

• surname, first name, patronymic (if available);
• number and expiration date of the ID card;
• bank account or payment card details.

Take and send a full-face photo against a light-colored background. After making an application, wait for the MFI’s decision, usually it takes no more than 10 minutes. You can track the status in your personal cabinet on the website jimani.kz. But in any case, the answer to the application will come by e-mail or SMS. After the loan is approved, the money will be transferred to your bank card.

How do I log in to my GMoney account and get my money back?

You can repay the debt in these ways:

• by bank card (Visa/MC) in GIMani LC;
• by wire transfer;
• in cash at Qiwi or Kassa24 terminals.

The provider charges a commission when paying for a micro loan by bank card or through the Qiwi and Kassa24 payment systems. Internet payments are made through secure services: Paybox.money LLP (“Freedom Pay”). To pay by card via the website, please do the following:

• log in to your personal computer (authorize via email address/phone number and enter your password);
• go to the “Open Loan” section and click on the “Pay” button;
• in the “Repayment methods” window that opens, select the “Freedom Pay” option;
• specify the amount you want to pay and click on the “Continue” button.

Enter card data: number, expiration date, CVC-code, owner’s name. Enter your phone number and e-mail address. Make the payment, be sure to repay the debt on time. Otherwise, you will spoil your credit history, and then you will not be able to get a new loan.

 

GiMoney bonuses

GMoney does not have a bonus program. But there are discounts for regular customers, and there are regular promotions. From October 23 to December 23, 2023, you can take a microloan from GMoney and win a trip to Vietnam and an Iphone 15. The winners will be determined on December 27 by Random.org random number generator. Participate, the chances of all clients of the company are equal.

In addition, there is a program for investors. You can invest and earn income. Since the company is a listed company, there is an opportunity to earn income from buying GMoney securities. The returns range from 10 to 20% per annum. All transactions are done through independent brokerage companies. The bonds are included into KASE’s official list.

 

Complaints about gmoney.kz

There are both positive and negative reviews about the work of the microcredit service. Satisfied customers write that GMoney does not require unnecessary documents and does not ask a lot of questions. Loan applications are considered within 10 minutes, and money is transferred to the card immediately.

GiMoney works online throughout Kazakhstan, there is no need to visit the office. When you reapply for a loan, after registration you do not need to fill out the questionnaire again. Promotions are regularly held, there are discounts in the presence of promo codes. This allows you to reduce the overpayment. To the minuses can be attributed the issuance of funds only on the card, the money can not be received in cash. Initially, the loan is issued for a short period of up to 20 days. There are also complaints about the poor work of the technical support service and the intrusiveness of GMoney employees when overdue microloans.

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Regulation and licenses of GMoney

Before applying for a loan, study the documents of the microfinance organization. The company must have a license and statutory documentation. If this information is not available, it is better not to get in touch with such an MFI. Most likely it is a fraudulent office, which will drive you into a debt pit. Be careful when choosing a lender, carefully study everything on the website.

License and regulator

GMoney online lending service is registered as LLP “MFO UNICREDO” in Kazakhstan. Legal address: 285A Rozybakiyev Street, Bostandyk district, room 34. BIN: 071140024917. Actual address: 050010, RK, Almaty, Zhandoso str. Almaty, Zhandosova str. 2, office 218, BIN: 191140009869. The company has license № 02.21.0069.M from 09.04.2021. Issued by the Department of Regional Representatives in Almaty, ARRFR – Agency of the Republic of Kazakhstan on Regulation and Development of Financial Market. That is, there is a financial regulator. MFI activities are regulated by the following laws

• Law of the Republic of Kazakhstan dated July 6, 2004 № 573-II “On credit bureaus and formation of credit histories in the Republic of Kazakhstan”.
• Law of May 21, 2013 No. 94-V “On personal data and their protection”.
• Law of June 21, 2013, No. 105-V “On Pension Provision in the Republic of Kazakhstan”.
• Law of 07.01.2003 No. 370-II “On Electronic Document and Electronic Digital Signature”.

Users can review such documents on the website:

• License for microfinance activities (See).
• User Agreement (read).
• Privacy Policy (explore).
• Regulations on microcredit (See).

GiMoney Support Service

Support specialists can be contacted through these channels:

• by phone: +7 (727) 250-98-32, +7 (778) 321-97-50;
• via e-mail: [email protected];
• on WhatsApp: +7 (778) 810-02-10 from 9.00 to 18.00;
• online chat at www.gmoney.kz.

GMoney User Agreement

The Agreement stipulates that documents sent using the website system www.gmoney.kz are considered official. This is analogous to the borrower’s handwritten signature.

It is the responsibility of the JiMoney Client to keep his/her information confidential. He/she should not share personal data, including password and SMS codes, with third parties. If a personal account is hacked, the lender must be immediately notified of the breach of confidentiality of information. The document also specifies the responsibility of the parties. Both parties shall be liable for breach of obligations.

 

Is GMoney a Scam?

Online microcredit service GMoney is not a scam of fraudsters. The company is registered in Kazakhstan and does not hide the address of the office location and contact details. There is an online chat on the website, where the operator answers questions from clients. There is official documentation, including a copy of the license and “Lending Rules”. Carefully study how the service works and what conditions of loans offers. Keep in mind that penalties apply if you go into arrears. If you do not repay the debt, the credit history in PKB and SCB will be spoiled. This will make it impossible to get a loan from both MFIs and banks. All accounts may be seized and the debt may be forcibly written off.

 

Conclusion

GMoney – is a reliable online microcredit service that offers to apply for a loan without guarantors and income certificates. Here it is easy to get money to borrow for any purpose without restrictions. The project is available for all citizens of Kazakhstan aged 20 years and older. The main thing is to have a passport, bank account/card and internet access. With JiMoney you do not need a lot of documents, transactions are processed quickly. You can get a loan even with a bad credit history. Discounts, drawings and promotions are available for loyal customers. Using the services of gmoney.kz, you will save time and get what you want right from home. But when applying, check your data carefully, otherwise mistakes will be the reason for rejection.