What TV 3 Channel does

TV 3 Channel (3channel.ru) operates a Russian consumer financial product comparison and lead-generation website serving adult Russian citizens seeking consumer loans, credit cards, and microloans. The platform aggregates and standardizes offers from six core partner banks (Tinkoff, MTS Bank, Uralsib, SKB-Bank, Vostochny Bank, VTB Bank) and multiple microfinance organizations (Zaymer, MoneyMan, Ekapusta, Dengi Srazu, KreditStar, Belka Credit), presenting them in card format for side-by-side comparison before redirecting users to partner sites to complete applications. The platform reports 459 approved applications per week across partner institutions and is positioned exclusively for the Russian domestic market.

The platform's core technology is a web-based aggregation and SEO-driven content publishing system. It maintains nine specialized sub-product landing pages covering consumer credit, zero-percent credit cards, remote loans without bank visits, vehicle PTS-secured loans, and niche segments targeting borrowers with poor or no credit history. The downstream "automated robotic systems" that compare applicant indicators against databases for credit decisions are operated by partner institutions, not by TV 3 Channel itself. Acquisition is primarily organic, driven by SEO-optimized content targeting high-intent borrower queries such as loans with bad credit or loans without bank visits. The company has no mobile app, no disclosed API, and no proprietary financial products.

TV 3 Channel generates revenue through affiliate and referral commissions from partner banks and MFOs when redirected users complete loan or microloan applications. The service is free to end users with no disclosed pricing; pricing varies across partner products (consumer loans up to 5,000,000 RUB at 0.75%-34% APR; MFO microloans up to 80,000 RUB at 0%-1% daily). The business is privately held, headquartered in Moscow, operates with approximately 27 employees, and has no disclosed funding history, ownership structure, leadership team, or financial performance metrics.

Name

TV 3 Channel

Legal name

TV 3 Channel (3channel.ru)

Website

https://3channel.ru

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

TV 3 Channel (3channel.ru) is a Russian consumer loan comparison and lead-generation platform that aggregates credit offers from six partner banks and multiple microfinance organizations, redirecting users to partner sites to complete applications and earning affiliate commissions on funded loans.

Ownership category

akta.pro rank

Product category

Financial Services Comparison Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Short-Term Credit Broking & Lead Generation (FSAKAMAN)

akta.pro secondary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Loan comparison platform
• Consumer credit aggregator
• Microloan listings
• Credit card comparison
• Financial lead generation

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 commissions from financial partners: The platform generates revenue by driving loan and credit applications to partner banks and MFO. Commissions are earned when users are redirected to partner sites and complete applications. This is a lead-generation and affiliate referral model in the financial services vertical.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels2 records

Core offering

TV 3 Channel (3channel.ru) operates a free web-based financial product comparison and lead-generation platform aggregating consumer loan, credit card, and microloan offers from Russian banks and microfinance organizations. Users browse and compare partner offers, then are redirected to partner financial institutions to complete loan applications. The platform reports 459 approved applications per week across its partner network.

Product overview

TV 3 Channel (3channel.ru) operates as a financial services comparison platform and content aggregator that presents loan and credit products from Russian banks and microfinance organizations. The platform features a unified web interface where users can browse, compare, and apply for various financial products including personal loans, credit cards, and secured loans under vehicle PTS. The core product serves as a centralized listing of partner financial institutions' offerings in card format, with specialized sub-products covering zero percent credit cards, remote loans without bank visits, vehicle collateral loans, and options for borrowers with poor or no credit history. The platform functions primarily as a lead-generation aggregator without offering proprietary financial products.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit and Loan Comparison Platform A free financial services aggregator website that compares and presents consumer loan, credit card, and microloan offers from multiple Russian banks and MFO, enabling users to find and apply for credit online. Users are redirected to partner institutions to complete applications.

Quantifiable outcome

• 459 approved applications per week across partner institutions

Named customers12 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Twelve partnerships are on record, tiered core.

• Tinkoff BankcoreGTM or Marketing PartnerTinkoff Bank is a featured partner bank on the TV 3 Channel platform. The bank offers consumer credit products including loans up to 2,000,000 RUB at rates from 9.9%, credit cards, and loans without income verification. The platform redirects users to Tinkoff's website for applications.
• MTS BankcoreGTM or Marketing PartnerMTS Bank is a featured partner offering consumer loans up to 5,000,000 RUB at rates from 9.4%. Decisions in as little as 1 minute, consolidation of multiple credits into one. Listed prominently on the platform.
• UralsibcoreGTM or Marketing PartnerUralsib bank is featured as a partner offering consumer loans up to 3,000,000 RUB at rates from 9.9%, with terms up to 84 months. Multiple income verification options accepted.
• SKB-BankcoreGTM or Marketing PartnerSKB-Bank (SKB-Bank) is featured as a partner offering consumer loans up to 1,500,000 RUB at rates from 7%, with fast decisions in 15 minutes to 2 days. No hidden fees or commissions.
• Vostochny BankcoreGTM or Marketing PartnerVostochny Bank is featured as a partner offering consumer loans up to 3,000,000 RUB at rates from 9.9%. Includes credit vacation options, referral bonus of 1,000 RUB per friend referred, and grace period up to 7 months.
• VTB BankcoreGTM or Marketing PartnerVTB Bank is featured as a partner offering consumer loans up to 5,000,000 RUB at rates from 0.75% (promotional rate for MultiCard users), terms up to 84 months. Includes credit holidays every 6 months.
• Zaimery (Zaymer)coreGTM or Marketing PartnerZaimery is a featured MFO partner offering microloans up to 30,000 RUB. 0% for new clients, daily rates 0.76-1%. 24/7 service, founded 2013. Also offers credit history improvement programs.
• Manimen (MoneyMan)coreGTM or Marketing PartnerMoneyMan (Manimen) is featured as a partner MFO offering loans up to 80,000 RUB, 0% for first loan, daily rates 0.8-1%. Founded 2011. Offers loyalty programs and both short-term and long-term loans.
• EkapustacoreGTM or Marketing PartnerEkapusta is featured as a partner MFO offering microloans up to 30,000 RUB. 0% for first loan, daily rate 0.99%. Founded 2012. 24/7 service with high approval rates.
• Dengi SrazucoreGTM or Marketing PartnerDengi Srazu is featured as a partner MFO offering microloans up to 30,000 RUB, rates from 1% daily. Age 18-80, 24/7 service. Founded 2011. Special rates for pensioners at 0.7%.
• KreditStarcoreGTM or Marketing PartnerKreditStar is featured as a partner MFO offering microloans up to 30,000 RUB, 0% for new clients. Identification via bank card. Founded 2016. Offers up to 28% discount on repeat loans via loyalty program.
• Belka CreditcoreGTM or Marketing PartnerBelka Credit is featured as a partner MFO offering microloans up to 30,000 RUB, 0% for first loan for up to 10 days. Founded 2016. Maximum rate 1% daily.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• VseZaimyOnline.ru: Russian aggregator specializing in microloan (MFO) and consumer loan comparison with similar affiliate-driven GTM. Comparable in product mix, particularly MFO partner portfolios, and target borrower segments.
• Banki.ru: Russia's largest financial product comparison and review portal. Competes directly with TV 3 Channel in loan, credit card, and deposit aggregation, serving the same Russian consumer base through affiliate/lead-generation revenue.
• ZaymGo: Russian online microloan aggregator redirecting users to MFO partners. Closely comparable to TV 3 Channel's MFO sub-product lines, including 0% first-loan and bad-credit offerings.
• Bankiros.ru: Russian credit and banking product aggregator that surfaces loan and credit card offers from leading banks. Direct competitor in the loan comparison/lead-generation vertical for Russian consumers.
• Sravni.ru: Major Russian financial marketplace aggregator that compares bank deposits, loans, and insurance products. Operates the same affiliate/referral model and targets the same Russian consumer-use case as TV 3 Channel.

Emerging players

• MoneyMan: Russian MFO that is both a partner and a comparable originator. While TV 3 Channel aggregates offers, Moneyman operates as a direct lender competing in the same microloan origination market and could vertically integrate comparison.

Others

• CBR (Central Bank of Russia): Not a commercial peer but the regulator whose MFO rate caps, disclosure rules, and consumer-credit guidance directly shape the platform's supply of partner products and allowable marketing claims.

Broad incumbents

• LendingTree: US-headquartered loan comparison marketplace. Operates the same lead-generation business model with bank and lender partners, serving as a template for Russian aggregators like TV 3 Channel.
• Tinkoff Bank: Russia's largest digital retail bank and a featured partner of TV 3 Channel. As a broad incumbent, it competes indirectly by offering direct digital onboarding that could disintermediate the aggregator.
• Yandex Financial Services: Yandex operates Yandex.Zaimy and general-purpose search that funnels financial-intent traffic. Comparable as a broad incumbent that captures the same Russian consumer financial-search demand and could compress aggregator SEO traffic.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/tv-3-channel

Revenue estimate

Valuation estimate

Number of profiles

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 TV 3 Channel