Zaim Online

Pay P.S. (legal name Zaim Online) was founded in 2012 and initially started out as an online short-term loan issuer. In 2014, the company also launched an online ticket reservation system that was later connected with the lending side of the business. Since then, the company has also gained microfinance company (MFC) status, started issuance of point of sale loans and installment loans, and created a debt restructuring program for its clients during the Covid-19 pandemic in 2020. For 2022, the company aims to double its team size, significantly increase its web traffic, quintuple the active user count, and become one of the top 3 microfinance companies in Russia.

The company uses a proprietary big data algorithm based on internal analytics and external sources such as information from credit bureaus. Thanks to the use of such technology, the company shares that their clients - borrowers, can receive a decision upon their application in 30 seconds, and if approved - loans can be issued within 1 minute.