How to borrow on Megafon - description, how to connect, conditions

Almost every subscriber at least once finds himself in a situation where he urgently needs to make a call or send an important message, but his mobile balance is zero. Unfortunately, it is not always possible to quickly top up your account and not bother with this problem anymore. Megafon has everything covered. And for this case, the mobile operator has created such a useful function as borrowing money from Megafon. This can be done through the “Promised payment” or “Credit of trust” option.

Standard promised payment

If you have just connected to the subscriber network, you will only be able to connect a payment in the amount of 50 rubles. For subscribers who have been served by Megafon for more than two months, other options are available - 150 and 300 rubles at a time. Connection fee if you take:

• 50 rubles - 5 (provided for 1 day);
• 150 rubles - 10 (given for 3 days);
• 300 rubles - 20 (also given only for 3 days from the moment of activation).

It is not possible to borrow a different amount as part of the service. It is possible to connect it in several ways, depending on which one is more convenient for you. Ways to borrow on Megafon:

1. USSD command *106# (followed by a call). A flash-sms will appear on the screen with information about the amounts available to you.
2. If you know exactly how much you want to order, the command can be in the following format: *106*required amount# .
3. Send an SMS with the specified amount. Number - 0006.
4. Call 0006 from your phone and , following the instructions from the answering machine, connect the payment you are interested in.
5. Contact any operator’s office and order the service.
6. Through your Personal Account https://lk.megafon.ru.

Subscribers can also activate automatic replenishment - every time there is 0 rubles left on the account, a payment of 300 will be sent to you. To activate it, you can send an SMS with any text to the number 000600 , with the exception of the text “STOP” (or it is also in English: “STOP”), which, on the contrary, disables the activated service.

Terms of service

To receive the promised payment, your account must have at least a certain amount:

• Promised payment in the amount of 50 rubles. available with a balance of at least minus 40 rubles.
• Promised payment in the amount of 150 rubles. available with a balance of at least minus 100 rubles.
• Promised payment in the amount of 300 rubles. available with a balance of at least minus 250 rubles.

If your account has less than the specified amount, or you have been servicing the network for less than the established period, or have not made enough top-ups to your account for the specified period, then the provision of the service will be denied .

It is also worth noting that “Promised Payment” is not compatible with, since these are mutually exclusive services.

On the Internet

The promised payment for the Internet on Megafon is given for a period of three days, after which you will need to pay the amount of the subscription fee and commission. You can take a maximum of 2,500 rubles, the maximum commission is 50 rubles per request. For three days you can continue to use the Internet without any problems.

You don’t have to enter the required amount yourself - if you have a connected Internet option, you just need to send an SMS or USSD request:

• *106*6# - request.
• 000601 - SMS with any text.
• You can also call 0006 or contact the office for help in connecting.

Important - in addition to the commission and the amount of the subscription fee, another 10 rubles are automatically added so that after the payment for using the option is written off, the balance remains positive.

How to take it and register?

Applying for a loan from Megafon implies that the client must comply with the following sequence of actions:

• submit a request for a loan to the company by sending an SMS message to the specified number or submitting a written application for a loan to one of its branches;
• indicate the expected loan amount to be received during personal communication with the company;

receive an SMS message on your phone indicating the company’s decision to issue a loan or refuse it;

Online application

Submitting an application for a loan online means that the company’s client needs to register on the official website of the Megafon company and leave a request for a loan on it.

When submitting a request, the client must accurately indicate the length of time he has been a client of this organization, as well as accurately indicate the amount to be received and the expected time, as well as the method by which the company will provide the loan.

After consideration of the application and its approval by the company, an SMS is sent to the client’s phone number indicating the amount ready for disbursement and the timing of the loan.

In addition, at the request of the borrower, the loan amount can be sent by this structure to his telephone account with his consent for subsequent use at a certain percentage.

If you are looking for information about loans with a bad credit history and arrears for the unemployed, we recommend reading the article.

A draft agreement on the provision of a loan by the company for a pre-agreed amount is sent to the client by mail for review and signing.

All inclusive

Subscribers served on one of the tariff plans of the “All Inclusive” line (a tariff line with a fixed monthly payment for a certain number of minutes, SMS and Internet traffic) during the period of payment debiting can activate the promised payment on Megafon for the amount debited according to the tariff plan. You can activate it 2 days before the subscription fee is charged (and according to the tariff plan it is regularly charged on the night of the 2nd day of each month) or 5 days after. On other days the service will not be available.

If you are served on an “All Inclusive” tariff plan, regardless of which one, 2 days before debiting, you will receive a message asking you to activate the option. The exception is subscribers who have the required amount to pay in advance on their account. The SMS will contain all the information; you can connect by simply sending a reply message with any text (or just an empty one). The service is activated exactly on the day the AP is written off according to the tariff. Other ways to borrow money for a subscription fee on Megafon:

• 000602 — a number to which you can send a message with any text.
• *106*5# — USSD request.
• Contact support or office.

There is no need to select an amount; the amount you need will be credited. Validity period: 5 days from the start of connection. You will be able to connect only if you have already been serviced by Megafon for at least 2 months; you must be serviced on one of the line's TPs all this time.

If you have “Credit of Trust” enabled, make sure that the limit has not been exceeded. Otherwise, ordering a trust payment simply will not work. There should be no other active payments (regular or for the Internet) on the number upon activation. You can check your connections through your personal account on the Internet.

Other options from MegaFon

To make full use of mobile communications, each subscriber can subscribe to various packages of profitable and convenient services. All relevant information can be obtained in the subscriber’s personal account.

"Pay for me"

When the user does not have funds in his account or his balance is in the negative, and it is not possible to replenish it in the near future, you can send an SMS to a subscriber of any operator with a request to make a payment and replenish the balance. Using the service is free and does not require an additional connection.

The notification received will contain a detailed description of the service and methods for transferring funds to the required number.

When making a combination, you must carefully enter the recipient's number. MegaFon will not be responsible for replenishing the balance of another subscriber.

The service is provided completely free of charge, no commissions or interest are charged, it is basic and does not require additional activation. All MegaFon subscribers can use the service, regardless of the connected tariff plan.

A request is sent using the command *143*subscriber number#. The number can be entered in any format. The limit on sending SMS is up to 5 per day and no more than 30 per month. The request is stored for 12 hours, after which it will be deleted and the recipient will not see it.

When I use the service, the subscriber by default agrees to receive advertising offers from MegaFon.

Using the service is quite simple - dial a short command, indicating the number of someone who can help financially at the moment. The notification itself will come from the company’s service number; the number that needs to be topped up will be included in the SMS. There is a risk of fraudulent activity. You should be especially careful when transferring funds.

The service is convenient if you need to perform some paid action and the balance is zero. If you just need to make a call, you can use other company services, for example, Call at a friend's expense or Promised payment.

"Call me"

It will help you to always stay in touch by allowing you to send requests asking to call you back. The convenience and advantages of the service are as follows:

• even with a minus balance, the user can send messages with a request;
• the other subscriber will receive a text message not from the operator, but on behalf of the person who sent the request;
• the option is provided free of charge;
• requests can be sent not only to subscribers within the network, but also to users of other cellular operators (it is important that MegaFon has the ability to exchange messages of this kind);
• The service covers the entire territory of the country.

It is allowed to send no more than 5 requests per day. The service can be used on any tariff plan and does not require additional installation.

To send a request, use the service combination - *144*subscriber number#. The number is indicated after 7. A notification will be sent in the form of a text message about the delivery of the request. The recipient will see a request to call back.

"Call at a friend's expense"

If there is no money in your account to make a call, you can use. The essence of the service is that the subscriber calls another person. When he picks up the phone, he will hear an information message stating that the call is being made at his expense. If the recipient agrees to pay for the call, a connection will be established.

Features of the service:

• available on any of the tariffs;
• if the balance is zero, automatic activation when dialing is possible;
• if the subscriber denies the call at his expense, the connection will be interrupted; to do this, he just needs to reset the incoming call;
• By pressing the number 1 in tone mode, the subscriber agrees to make the call and pay for it.

There is no need to pre-activate the service. To make a call, you need to dial three zeros on the phone, then the recipient’s phone number and the call button.

The cost for the service will be free for the caller, and 3 rubles per minute for the party receiving the call. This amount of payment will be regardless of what tariff plan he uses. In one day you can make no more than 10 calls at someone else’s expense.

The service is available for calls only to MegaFon subscribers. You cannot make requests for numbers of other mobile operators and landline phones.

Key Features

Features you need to know about when connecting a certain type of promised payment:

• Payment for the Internet is not charged if you have a credit of trust connected and there are still enough funds on the loan before it is written off.
• It is not necessary to disable services; they are automatically disabled after the validity period has expired. If you topped up your account earlier, it’s okay, the payment amount will simply be debited on the required day. Alternatively, you may receive a message asking you to disable it.
• You can activate the option no more than five times per calendar month, subject to timely payment of the amount used.
• The commission is debited immediately upon activation.
• When connecting the service in the office or by call, an additional 10 rubles are charged for the option.

"Credit of Confidence"

Megafon can also provide a subscriber with a credit limit if the balance is zero. This service is not available to those who are connected to corporate tariffs, as well as those who have several subscribers registered on their account.

The loan amount is determined by the operator based on the average amount you spent over the previous three months of using mobile communications.

The minimum allowable amount on the account is valid for two months from the date the option is provided. However, if in the first month of using the loan, your balance is still negative, then its amount will be recalculated.

Connection is free, for which you will need to draw up an agreement at any customer service center. The credit limit will be calculated individually for you, as well as the threshold at which the service will cease.

When connecting, you agree to make monthly payments for mobile services, which will be provided on a credit basis.

You can apply for a loan using the appropriate column on the company’s website, as well as your Personal Account. The subscriber can make a call to the short service number 0500.

Disabling the service is carried out in the same way.

Company offers

The Megafon company makes the following loan offers to clients:

Requirements for borrowers

The company's clients must comply with the following requirements when conducting transactions:

1. It is mandatory for a citizen to send a request to the company for a loan.
2. The borrower must be an adult.
3. The client must have experience interacting with the company as its subscriber for at least one year.
4. All documents related to the case had to be prepared by the client.

Liquidation of debt by the client had to be completed exactly within the specified time frame.

About company

Today it occupies a leading position in the provision of mobile information transmission services to the public. With more than 20 years of experience, Megafon can offer optimal cooperation options to all its clients.

The secret of the company's success and its high competitiveness lies in the following prerogatives:

• continuous improvement of software and use of the latest technologies;
• competent organization of internal processes and high focus on customer interests;
• using a more affordable pricing model and providing a wide range of additional services.

However, he does not plan to stop at the achieved high result. It has important tasks ahead to implement more ambitious plans to conquer the Russian market and expand its customer base.

Payments

The following loan repayment options are available:

In addition, the client has the right, at his own discretion, to repay the loan amount issued to him with interest, if the loan was received by him on his telephone account.

You can familiarize yourself with the rules for drawing up an interest-free loan agreement from an organization to an employee here.

Advantages and disadvantages

Loans from Megafon have certain advantages and disadvantages.

Their advantages can be considered:

1. When receiving a loan for a phone, the client is temporarily not charged for the company’s services.
2. The loan amount can be received by the borrower in any way he chooses.
3. You can apply for a loan from the company completely online.

The terms of the loan agreement can be increased by the client at his own request.

Negative aspects of such a loan:

1. Loans are issued only to clients of the company if they have the requested length of cooperation with it.
2. Loans carry high interest rates.
3. The company's fines for delays are quite significant.
4. Obtaining loans is only possible for adult clients.
5. Checking a client’s data to determine whether a company can issue a loan can take quite a long time.

• Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the website.
• All cases are very individual and depend on many factors. Basic information does not guarantee a solution to your specific problems.