Web Banker to the Rescue, but Watch Out for Those Sneaky Fees

I was in a pretty tight spot recently and Web Banker really saved my bacon - I needed cash for a dental emergency and they made it super easy to get. I'd never used their service before, so I applied for 10,000 rubles for 30 days. The whole process took about five minutes to complete, and I used my Gosuslugi account to authenticate instead of typing in my info manually. I got approved in lightning-fast time, although the operator did give me a call to clarify some details since it was my first time borrowing. After the call, I got an SMS with a code to sign the contract. The money ended up on my Sberbank card within a couple of minutes - no issues at all. The whole thing was ridiculously fast. I repaid the loan using Sberbank's mobile payment service, which is honestly the most convenient way to do it, but be aware that it comes with an 8.5% fee. Too bad the cheapest option via Russian Post takes a few days, but if you can, use it to avoid paying extra. I've taken out smaller loans since then, and they've been approved quickly. The interest rate is 0.8% per day, so the sooner you pay back, the better. Web Banker's service left a good impression with its speed and ease of use, but those fees when repaying are a real bummer.