Report on online loans: installments dominate, but decisions remain selective

Mondays attract over 19 percent. online loan applications - according to the second edition of the ZPF report based on data Youmoney. The busiest time is between 10 a.m. and 12 p.m. The analysis shows that the online channel has a clear weekly and daily rhythm, related to the current financial needs of customers.

In the surveyed sample, 74.1 percent payments are made on the day the application is submitted. For short-term loans, the share increases to 81.3%. Speed ​​of service, however, does not mean easy access to money: 8.2% of customers receive positive reviews. conclusions. These indicators should not be taken as a promise of a payout time or opportunity for a specific person.

Installment loans account for 87 percent. applications, and short-term for 13 percent. The share of the latter increases at night and at the end of the week. According to the authors, digital service allows you to speed up procedures, but still requires reliable verification of repayment possibilities. The data applies to customers included in the analysis, not to each online lender.

The highest percentage of positively accepted applications occurs around 8:00. This is an observation of the behavior from the report, not a way to bypass the lender's criteria.