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Loan Disclosure

Loan Terms

This page summarizes representative loan parameters, repayment mechanics, illustrative cost calculations, and customer rights available through FRANK, OOO digital financial services. All figures shown are indicative. Binding terms are set out in the individual agreement accepted by the user.

01 — Provider

Provider information

FRANK, OOO provides digital financial infrastructure services including access to loan-related workflows and disclosure materials. Any binding obligations arise exclusively after the relevant agreement has been reviewed, approved, and accepted by the user.

All representative examples on this page are denominated in Russian Ruble (RUB). Product availability is subject to creditworthiness assessment, compliance review, and applicable legal requirements.

02 — Parameters

Core loan parameters

Principal range
Standard offers range from 5,000 RUB to 150,000 RUB. Following internal review, the visible range may extend from 2,000 RUB to 250,000 RUB based on scoring results.
Loan term
Indicative repayment duration ranges from 30 to 120 days, unless the selected product specifies an alternative schedule.
Daily interest rate
The representative daily charge ranges from 0.07% to 0.12% depending on the applicant's risk profile and the selected product.
Annual percentage rate (APR)
APR may reach up to 29.8% per annum on standard loan products.
Origination fee
A one-time origination fee of 0.5% to 1.5% of the approved principal may apply depending on the product selected. Fee is disclosed prior to acceptance.
Repayment structure
Depending on the offer, repayment may be structured as a single end-of-term payment or as equal instalments at intervals specified in the agreement.
Late payment charge
A late payment fee of 0.05% per day on the overdue amount may apply from the first day of default, subject to statutory limits.

The APR is calculated from the approved principal, applicable daily rate, origination fee, and the actual contract term. The binding rate is always fixed in the signed agreement before funds are disbursed.

03 — Examples

Illustrative cost examples

The following scenarios demonstrate how total repayment is calculated under representative conditions. These are not offers.

Example A — Short term
Loan amount80,000 RUB
Term30 days
Daily rate0.08%
Interest (30 days)1,920 RUB
Origination fee (0.8%)640 RUB
Total cost of credit2,560 RUB
Total repayment82,560 RUB
Effective APR27.4%
Example B — Medium term
Loan amount120,000 RUB
Term90 days
Daily rate0.09%
Interest (90 days)9,720 RUB
Origination fee (1.0%)1,200 RUB
Total cost of credit10,920 RUB
Total repayment130,920 RUB
Effective APR29.8%
Example C — Small amount
Loan amount15,000 RUB
Term45 days
Daily rate0.10%
Interest (45 days)675 RUB
Origination fee (0.5%)75 RUB
Total cost of credit750 RUB
Total repayment15,750 RUB
Effective APR28.1%
Example D — Extended term
Loan amount50,000 RUB
Term120 days
Daily rate0.07%
Interest (120 days)4,200 RUB
Origination fee (1.2%)600 RUB
Total cost of credit4,800 RUB
Total repayment54,800 RUB
Effective APR26.3%
04 — Repayment

Repayment and extension

  • Payments may be made through the FRANK digital interface, via bank transfer, or through any approved partner payment channel listed in the agreement.
  • Partial early repayment is accepted. Interest is recalculated on the outstanding principal for the actual number of days used, in line with applicable law.
  • Full early repayment is permitted at any time without penalty. A repayment confirmation is issued within 1 business day.
  • Loan extension may be offered when the accrued interest due at the extension date has been settled and internal eligibility criteria are satisfied. Extension terms are disclosed at the time of request.
  • In the event of late payment, FRANK will contact the borrower using the registered contact details prior to reporting to credit bureaus, where permitted by law.
05 — Rights

Customer rights and obligations

Rights
  • Receive clear pre-contract information — including principal, rate, total repayment, and APR — before accepting any agreement.
  • Request clarification on rates, repayment schedule, fees, and service procedures at any time.
  • Repay early without penalty, with interest calculated on the actual days of use.
  • File a complaint and receive a written response within the period required by applicable consumer protection law.
Obligations
  • Provide accurate, current, and complete information during application and throughout the servicing period.
  • Meet repayment obligations on the dates and in the amounts specified in the signed agreement.
  • Notify FRANK promptly of any changes to contact details, employment status, or financial circumstances that may materially affect the ability to repay.
  • Use the loan proceeds lawfully and for the declared purpose.
06 — Disputes

Support and dispute resolution

Questions regarding loan disclosures, repayment calculations, fee charges, or formal complaints may be submitted to dev@frankk.click or by calling +7 987 182 82 72.

FRANK, OOO reviews all incoming requests in accordance with internal complaints procedures and applicable consumer protection legislation. A substantive response is provided within the legally required timeframe.

If the internal resolution is unsatisfactory, users may escalate the matter to the relevant supervisory authority in accordance with applicable law.