Rapida

What Rapida does

Rapida is a Russia-based financial product comparison platform that operates primarily through the "Кредиты Онлайн (Credits Online)" brand at credits-on-line.ru. The platform aggregates listings from 408+ licensed microfinance organizations (MFOs) and 208+ personal loan products from Russian banks, and extends coverage to credit cards, debit cards, deposits, mortgages, auto loans, refinancing, and RKO (business banking) accounts. End users access the service free of charge via a self-serve website with dedicated localized pages for 35+ Russian cities, supported by VK and Telegram social channels, an email newsletter, a 24/7 toll-free hotline, and an editorial section with named experts and 598 user reviews averaging 4.9/5.0. All listed providers are stated to be registered with the Central Bank of Russia and to hold valid licenses.

The underlying technology stack is not disclosed in the source materials; functionality centers on comparison tables, filterable parameters (amount, term, interest rate, repayment method), and loan/credit calculators rather than disclosed machine-learning systems. The "Кредиты Онлайн" service name is registered as a Russian trademark (Certificate No.652458 dated 17.04.2018) and the operator is also registered as a personal data operator (Certificate No.78-18-005607). The legal operating entity is sole proprietor ИП Тычков Эдуард Андреевич (INN 782001197321, OGRNIP 312784732400596), with headquarters in Moscow and no disclosed parent company, subsidiaries, or external investors.

Commercially, Rapida monetizes entirely on an affiliate/referral basis: consumers use the platform at no cost and the company earns referral commissions when tracked clicks (via erid identifiers) convert into approved applications at partner financial institutions. Core-tier partner banks include Альфа-Банк (Alfa-Bank), Т-Банк (T-Bank), ВТБ (VTB), Совкомбанк (Sovkombank), Газпромбанк (Gazprombank), СберБанк (Sberbank), ПСБ (PSB), and Банк Синара (Bank Sinara); MFO partners include Webbankir, еКапуста (eKapusta), Займер (Zaymer), Манимен (Moneyman), and Веб-Займ (Web-Zaym), among others. The customer base served is Russian individual consumers — including users with poor or no credit history — seeking to compare and select financial products; segment concentration sits with end consumers, while commercial concentration sits with the handful of systemically important bank partners driving the bulk of higher-ticket commissions.

Name

Rapida

Legal name

ИП Тычков Эдуард Андреевич

Website

https://rapida.ru

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Rapida (operating as "Кредиты Онлайн / Credits Online") is a Moscow-based financial product comparison and affiliate-referral platform serving Russian consumers with free side-by-side listings of microloans, personal loans, credit cards, deposits, mortgages, and RKO products from 408+ licensed MFOs and major Russian banks across 35+ cities.

Ownership category

akta.pro rank

Product category

Loan Comparison Platform

NAICS

Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (522390)

SIC

Loan Brokers (6163)

akta.pro primary industry

Lead Generation, Comparison & Marketplace Platforms (Financial Products) (FSAEAMAM)

akta.pro secondary industry

Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)

Keywords

• Loan comparison platform
• Microfinance aggregation
• Financial product directory
• Credit card comparison
• Online lending marketplace

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Affiliate / Referral Revenue: The platform is completely free for users. Revenue is generated through affiliate commissions when users click through to partner banks and microfinance organizations (MFO). The platform sends tracked traffic to financial product providers and earns a referral fee or commission on approved applications.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels8 records

Core offering

Rapida operates an online financial services comparison and aggregation platform (Кредиты Онлайн / Credits Online) that catalogs consumer lending, microfinance, credit card, deposit, mortgage, and RKO (settlement-account) products from Central Bank of Russia-registered banks and microfinance organizations. The platform serves Russian retail consumers and routes qualified applicants to partner lenders, monetizing through affiliate referral commissions. The service is free for end users and is delivered through the websites rapida.ru and credits-on-line.ru, supported by city-specific pages across more than 35 Russian cities, a loan calculator, and verified user reviews.

Product overview

Кредиты Онлайн is a financial services comparison and selection platform that aggregates products from multiple Russian banks and microfinance organizations. The platform provides an intelligent matching service enabling users to compare loans, credit cards, debit cards, deposits, mortgages, and business account services (RKO) across verified financial institutions. The service functions as an aggregator and referral platform, directing users to partner financial institutions' websites for final applications. All listed organizations are registered with the Central Bank of Russia and have passed expert verification.

Differentiator

Problem solved

Functional benefit

Products and services

• Кредиты Онлайн (Credits Online) Financial Services Comparison Platform Online aggregator that lets Russian retail consumers compare consumer loans, microloans, credit cards, deposits, mortgages, and RKO (settlement-account) products from Central Bank of Russia-registered banks and microfinance organizations. Includes a loan calculator, city-level pages for more than 35 Russian cities, and a verified user review system. The service is free for end users; revenue is generated via affiliate referral commissions from partner lenders.

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

17 partnerships are on record, tiered minor and core.

• WebbankirminorGTM or Marketing PartnerMicrofinance organization listed on the platform with a rating of 54.80. Offers first-time loans at 0% interest rate, with amounts from 3,000 to 30,000 rubles, terms of 7-180 days. Licensed by the Central Bank of Russia (License No.2403045010111). Users can access Webbankir directly through the platform and submit applications.
• еКапуста (eKapusta)minorGTM or Marketing PartnerMFO listed on the platform with a rating of 44.48. Offers payday loans from 100 to 30,000 rubles, 7-31 days. Licensed (License No.2120754001243). The platform provides a dedicated profile page with reviews and product details.
• Займер (Zaymer)minorGTM or Marketing PartnerMFO listed on the platform with a rating of 44.42. Robot-driven loan approval system. Offers 2,000-30,000 rubles, 7-30 days. Licensed (License No.651303532004088).
• Альфа-Банк (Alfa-Bank)coreGTM or Marketing PartnerOne of the top partner banks featured prominently on the platform. Offers personal loans (from 50,000 to 30 million rubles, 1-15 years, rate 17.40%-53.99%), credit cards, and other products. CB License No.1326. The platform maintains a dedicated page and a tracked affiliate link (erid=2W5zFHPyuep).
• Т-Банк (T-Bank)coreGTM or Marketing PartnerFeatured as a top partner bank. Offers online personal loans (50,000 to 5 million rubles, 1-5 years, rate 19.9%-42.1%), credit cards, and RKO for businesses. CB License No.2673. Dedicated pages and tracked affiliate links (erid=2W5zFGNTx7i).
• ВТБcoreGTM or Marketing PartnerTop partner bank on the platform. Offers personal loans up to 40 million rubles at rates from 9.6%-51%, and other products. CB License No.1000. Tracked affiliate link (erid=2W5zFFyD8Dn).
• Совкомбанк (Sovkombank)coreGTM or Marketing PartnerFeatured bank offering personal loans from 200,000 to 5 million rubles at 14.9%-38.9% annual rate. CB License No.963. Tracked affiliate link (erid=2W5zFGNqR2x).
• Газпромбанк (Gazprombank)coreGTM or Marketing PartnerPartner bank offering personal loans and deposit products. CB License No.354. Listed with tracked links.
• СберБанк (Sberbank)coreGTM or Marketing PartnerPartner bank listed on the platform. CB License implied. Tracked link for personal loans.
• Райффайзенбанк (Raiffeisenbank)minorGTM or Marketing PartnerPartner bank listed on the platform as part of the bank partner section.
• Банк Уралсиб (Bank Uralsib)minorGTM or Marketing PartnerPartner bank offering personal loans and RKO services. CB License No.30. Listed with dedicated pages and tracked links.
• Банк Синара (Bank Sinara)coreGTM or Marketing PartnerTop partner bank with a rating of 54.70. Offers personal loans from 51,000 to 3 million rubles with a 0% rate guarantee. CB License No.705. Tracked affiliate link (erid=2W5zFJmkPSg).
• Ренессанс Кредит (Renaissance Credit)minorGTM or Marketing PartnerPartner bank listed on the platform's bank partner section.
• Манимен (Moneyman)minorGTM or Marketing PartnerMFO listed on the platform with a rating of 44.37. Offers 1,500-30,000 ruble loans over 5-126 days. Licensed (License No.2110177000478).
• Веб-Займ (Web-Zaym)minorGTM or Marketing PartnerMFO offering 0% first-time loans up to 30,000 rubles, 7-98 days. Licensed (License No.1903550009325).
• Бустра (Bustra)minorGTM or Marketing PartnerMFO listed with a rating of 44.28. Offers loans from 1,000-30,000 rubles, 5-180 days. Licensed (License No.2003045009509).
• ПСБ (PSB / Promsvyazbank)coreGTM or Marketing PartnerFeatured as a top-5 partner bank. Offers personal loans at 22.9%-36.99% rate, up to 5 million rubles, 1-7 years. CB License No.3251.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Banki.ru: Banki.ru is a major Russian financial services portal with deep product comparison features across loans, deposits, cards, and MFOs, plus reviews and a community forum. It competes with Credits Online in the same Russian consumer comparison segment, with broader content depth and a larger established audience.
• Bankiros.ru: Bankiros.ru is a Russian consumer-finance aggregator focused on loans, microloans, and credit cards with city-level content and lead-gen redirects. Comparable to Credits Online as a Russian-language credit comparison portal serving the same persona with affiliate revenue streams.
• Выберу.ру (Viberu.ru): Выберу.ру is a Russian comparison platform for banking and insurance products (loans, deposits, credit cards, mortgages, RKO). It is a directly comparable peer operating in the same geography, same vertical (consumer credit comparison), and the same affiliate-based monetization model as Credits Online.
• Sravni.ru: Sravni.ru is Russia's largest financial product comparison marketplace, offering consumer-facing comparison of loans, credit cards, deposits, insurance, and investments. It is the closest direct competitor to Credits Online in terms of product scope, target audience, and affiliate/referral monetization model.

Broad incumbents

• LendingTree: LendingTree operates the largest US consumer credit comparison marketplace, monetizing via lead-generation fees from banks and lenders. It is comparable as the archetypal scaled operator of the exact same business model Credits Online runs, though in the US across a broader product set.

Emerging players

• Finanso.com: Finanso.com operates in the Russian/Russian-speaking consumer credit comparison space with similar comparison and lead-generation mechanics. It is a smaller, niche competitor overlapping on persona and product category but with narrower scale and brand recognition than the anchors above.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/RapidaSystem
• LinkedInlinkedin.com/company/rapida-ltd-

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 Rapida