What Turbo loan does

Turbo loan (trading as Турбозайм / Turbozaim) is a Russia-focused online microfinance organization operating as ООО МКК Турбозайм, founded in 2013 and headquartered in Moscow. It is part of the Eqvanta Group portfolio and serves more than 5 million individual borrowers with short-tenure, small-ticket consumer credit issued entirely online. The company is registered with the Central Bank of Russia (registration #651303045003951 dated 29.08.2013) and is a member of SRO NP "МиР", making it one of the licensed non-bank microfinance institutions in the Russian market.

Its core product set centers on instant digital microloans: an "Express Loan" of 3,000-100,000 RUB for tenors of 7 days to 24 weeks, a "Quick Microloan," a 7-day 0% "Free Loan" used as an acquisition funnel, an "Age 18+" loan targeting younger borrowers, and an "Everything at Once" product. Pricing is standardized at 0.8% per day with a disclosed full cost of credit (PSK) of 286,400-292,800%. Origination, KYC, scoring, and disbursement are fully automated, supporting a 98% approval rate and 24/7 servicing. Distribution and onboarding leverage integrations with Tinkoff ID (Tinkoff Bank authentication), Gosuslugi (state digital services), and the Russian Post repayment network, and the company distributes via a dedicated Android application.

The business model is direct-to-consumer short-duration lending: revenue is generated ticket-by-ticket through interest income at high disclosed yields, with a tiered product ladder intended to graduate first-time borrowers (typically acquired via the 0% loan) into higher-yielding repeat credit within the same platform. Customer segments are intentionally broad and include general consumers, students, the self-employed, CIS citizens resident in Russia, military personnel, and pensioners. There is no B2B or enterprise channel. Recent leadership turnover (new General Director Makhayev Roman Andreevich, 10 February 2026) and the Banki.ru "MFO of the Year 2025" recognition indicate an ongoing effort to defend and extend market position inside a heavily regulated sub-prime consumer credit segment.

Name

Turbo loan

Legal name

Общество с ограниченной ответственностью Микрокредитная компания «Турбозайм»

Website

https://turbozaim.ru

Company type

Private

Founded year

2013

Operating status

Operating

Short description

Turbozaim (Турбозайм) is a Russia-licensed online microfinance company founded in 2013, part of Eqvanta Group, issuing small-ticket short-term consumer loans (3,000-100,000 RUB) to more than 5 million individual borrowers via a fully digital, automated underwriting platform.

Ownership category

akta.pro rank

Product category

Consumer Microfinance

NAICS

Nondepository Credit Intermediation (5222)

akta.pro primary industry

Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

akta.pro secondary industry

Single-Payment Payday Loans (FSAKAMAA)

Keywords

• Online microloans
• Consumer lending
• Microfinance services
• Short-term loans
• Digital lending

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Marketing or Sales, Personnel, Operations, Infrastructure

Revenue model

1. Microloan Interest Income: The primary revenue stream comes from interest charged on microloans at 0.8% per day. For first-time borrowers, a 'Seven Free Days' promotion offers 0% interest for the first 7 days if repaid on time. Full cost of loan (PSK) ranges from 286,400% to 292,800%.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Turbozaim (Turbo loan) is an online microfinance company that issues short-term consumer microloans to Russian citizens ranging from 3,000 to 100,000 rubles for periods of 7 days to 24 weeks. The entire process from registration and application to scoring, contract signing, disbursement to bank card, and repayment is conducted online via the turbozaim.ru website and Android mobile app, with automated decisions typically within 5-30 minutes.

Product overview

Турбозайм is a high-tech online microfinance platform operated by ООО МКК Турбозайм, offering a suite of short-term consumer micro-loans delivered fully online. The product portfolio centers on the Express Loan (Экспресс заём) as the primary offering, complemented by the Quick Microloan (Быстрый микрозаём) for shorter durations, the Free Loan (Заём бесплатно / Семь бесплатных дней) for first-time borrowers at 0% interest for 7 days, the Age 18+ product, and the Everything at Once (Всё и сразу) product at 0% rate. All loans are managed through the Personal Account (Личный кабинет) self-service portal, accessible via web browser or the Android mobile app (APK). The company also provides loan extension (пролонгация) and restructuring services. The platform is part of the Eqvanta Group of fintech companies, targeting borrowers across Russia needing rapid access to small-sum loans without visiting a physical office.

Differentiator

Problem solved

Functional benefit

Products and services

• Express Loan (Экспресс заём) Short-term micro-loan from 3,000 to 100,000 rubles, terms from 7 days to 24 weeks (168 days). Interest rate 0% to 0.8% per day; PSK 286,400-292,000%. First-time borrowers receive 0% for the first 7 days.
• Quick Microloan (Быстрый микрозаём) Short-term micro-loan from 3,000 to 30,000 rubles for 7 to 30 days at 0.8% per day. Designed for consumers needing small, fast cash.
• Free Loan — Seven Free Days (Заём бесплатно) Zero-interest loan for new customers: 3,000 to 15,000 rubles for up to 7 days at 0% if repaid within days 1-7. Standard 0.8%/day rate applies after the free period.
• Loan from Age 18 (Заём от 18 лет) Loan product targeting borrowers aged 18 and older, amounts from 3,000 to 30,000 rubles for 31 days at 0.8% per day.
• Everything at Once (Всё и сразу) Loan product with amounts from 3,000 to 50,000 rubles for up to 24 weeks at 0% interest rate. Paid biweekly.

Quantifiable outcome

• 98% application approval rate
• +3 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability1 record

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• SRO NP 'МиР' (Self-regulatory organization 'Microfinance and Development')coreOthers · 1 January 2014Turbozaim (ООО МКК) is a member of the Self-regulatory organization Union of Microfinance Organizations 'Microfinance and Development'. The company joined the registry on November 19, 2014. Address: 107078, Moscow, Orlikov pereulok, d.5, str.1, floor 2, room 11.
• Bank of Russia (Центральный банк РФ)coreOthers · 1 January 2013Official regulator of microfinance activities. Turbozaim is registered in the State Registry of Microfinance Organizations with registration number №651303045003951 dated August 29, 2013. All operations are regulated by Central Bank of Russia.
• Eqvanta Group (ГК Eqvanta)coreStrategic or Co-development PartnerTurbozaim is a member of the Eqvanta Group of companies, a fintech expert in alternative finance. Eqvanta Group encompasses multiple financial services companies operating in the Russian microfinance market.
• Tinkoff Bank (Т Банк)coreTechnology or IntegrationIntegration with Tinkoff Bank's Tinkoff ID authentication system, allowing faster verification and approval for customers with Tinkoff accounts. Streamlines the application process for existing Tinkoff Bank customers.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Market position

Strengths4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Turbo loan