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Zaimoteka – mutual lending platform

Zaimoteka It is a really registered mutual lending company.

According to the administration of the web platform and the owners of the company, their offspring unites those who need money with those who are willing to lend.

It is a platform that provides mutually beneficial cooperation between investors and borrowers.

At the same time, the site has been operating for more than a year, so it seems that its creators and owners know how to conduct business and so on.

But is it worth so blindly to trust this company? Is it possible to trust these people and easily lend or borrow? Let’s figure it out.

Official site


  • 603159, Nizhny Novgorod region, the city of Nizhny Novgorod, Karl Marx street, house 20, room 11
  • (email protected)

affiliate program


Service allows borrow from other peopleand not from banks, and also provide credit to other people at a certain percentage.

It is in such a simple way that the administration unites on its site both investors and borrowers who are looking for a suitable option in order to borrow money and return with interest.

it P2P platform, which provides mutually beneficial cooperation between investors and borrowers. The system of work is transparent. All payments are known in advance.

Loan you can take on the amount up to 300 000 rublesby registering on the site and registering without fail Yandex Walletbecause it is used for calculations and investments on the project.

As for investors, in order to work with the platform, they will have to replenish their account on the website by at least 10 000 rubles, after which they will be able to choose an investment strategy (you can lend to several borrowers, and so on), and the system will distribute all the funds to the selected bids.

Platform Terms

Here are the main conditions of the platform:

  • Good credit history borrowers can get online loans here. up to 300 thousand rubles. at a rate of 15% per annum.
  • The size of the rate depends on the credit history.
  • Funds can be invested in loans at a rate of return from 15% to 44% per annum with diversification of risks through the issuance of small amounts to a large number of borrowers.

In order for the investor to start working with the platform, you need to perform a number of actions:

  • Register (indicating the phone number, passport data, and the Yandex.Koshelka number).
  • Use a ready-made investment strategy or manually select borrowers.
  • Deposit funds.
  • Invest in those applications that have been selected.
  • Start getting monthly income.

In order for the borrower to start working on the platform and receive credit funds, you must do the following:

  • Also to register.
  • Sign in.
  • Apply for a loan.
  • Wait until the collection of the required amount.
  • Thereafter get money on Yandex.Walker.

Loan rate 11% per annum.


The site administration decided not to save on a dedicated IP address, and did quite right, because it is still the reputation of their web offspring.

The site contains all the necessary legal information, as well as sections that are specifically designed for investors and for borrowers. It is here that contain all the necessary data to start working with the platform.

Also available in the section “Investment Basics”, and there is also sections with contracts with the investor, the borrower and partners.

The project has communities in social networks, plus also user support via chat with an operator. If you have any additional questions, you can write to the email address listed on the site.

The trust

Company MCC “Zaymoteka Online” is an official registered company in Nizhny Novgorod, which has all the necessary permits and licenses.

But you and I should not relax and forget that we are dealing with Limited liability companywhose founders have minimum financial responsibility. This is an extremely important fact to which attention should be paid.

Some users say that they did not meet with convincing reviews about investors who fully received all their funds back and with interest that borrowers paid the full amount.

It is also interesting that the project is mentioned on the largest investment forum of Runet

But even here everything is not as smooth as the administration of the service would like, since there are people who even call the project normal pyramid. It is very difficult to say how this is so, since it is not possible to track all transactions occurring on the platform.

Well, the data on the domain suggests that the resource is already working almost two years.

This is not at all five or ten years old, so to say clearly that the platform is completely reliable and everything here is okay, also not worth it.


To make any clear and definite conclusions with regards to the microcredit organization “Zimoteka Online” complicated. The resource is still too young, and comments about it in the network both positive and neutral or negative. It seems that the service has not yet been strongly promoted.

We will observe the development of the project further.

The project was found to cheat the rating! All fake voices have been deleted!

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