01Provider & operator details
The credit products described on this page are provided by the operator identified below. This disclosure forms part of the service agreement and mirrors the parameters shown in the associated mobile application listing.
- Legal entity
- CLL ANALOS
- Registration (OGRN)
- 2165430077021
- Jurisdiction
- Registered under the laws of the Russian Federation
- Legal contact
- legal@solanai.org
02Product parameters
All amounts are expressed in Russian rubles (₽). The service charge accrues daily on the outstanding principal. The figures below are the binding limits for every product offered.
| Parameter | Value |
|---|---|
| Borrowing amount range | 6,000 ₽ – 90,000 ₽ (extended band 2,000 ₽ – 160,000 ₽ for returning clients) |
| Repayment horizon | 65 – 150 days |
| Daily service charge | 0.055% – 0.075% of outstanding principal |
| Maximum annual percentage rate (APR) | 28% APR |
| Settlement format | Single payment or scheduled installments (no product requires repayment in full within 60 days or less) |
| Currency | Russian ruble (₽) |
| Minimum age | 18 years |
03How the annual percentage rate (APR) is calculated
The annual percentage rate (APR) expresses the total cost of borrowing on an annualised basis, including the full service charge. For every product we compute it with the same formula:
Because the service charge accrues daily, a shorter term reduces the total interest paid but the annualised rate is disclosed in full so borrowers can compare products on a single, standardised basis. The maximum annual percentage rate (APR) for any product is 28% APR.
04Representative examples
30,000 ₽ over 90 days
- Principal30,000 ₽
- Daily service charge0.06% / day
- Interest = 30,000 × 0.0006 × 901,620 ₽
- Total repayable31,620 ₽
- Schedule2 × 15,810 ₽ (day 45, day 90)
- APR = (1,620 / 30,000) × (365 / 90)0.054 × 4.0556
Annual percentage rate (APR): 21.9% APR
60,000 ₽ over 120 days
- Principal60,000 ₽
- Daily service charge0.075% / day
- Interest = 60,000 × 0.00075 × 1205,400 ₽
- Total repayable (due day 120)65,400 ₽
- APR = (5,400 / 60,000) × (365 / 120)0.09 × 3.0417
Annual percentage rate (APR): 27.4% APR
05Repayment, extension & early settlement
- Repayment is made through the methods shown in the application. Scheduled installment dates are fixed at the time of agreement.
- Extension may be requested before the due date. Any extension keeps the total term at or above the minimum horizon and never requires repayment in full within 60 days or less.
- Early settlement is available at any time. The service charge is recalculated for the actual number of days the principal was outstanding, and no early-closure penalty applies.
06Your rights & obligations
- You are entitled to a clear statement of the total amount repayable, the schedule, and the annual percentage rate (APR) before you accept any product.
- You may withdraw from an agreement within the cooling-off period stated in the application, subject to repayment of the principal drawn.
- You are responsible for providing accurate information and for repaying the amount due on the agreed dates.
- You may request a full statement of account and a copy of your agreement at any time from the legal contact above.
07Complaints & escalation
If something goes wrong, contact our support team first through the support page. Formal complaints can be sent to the legal contact above; we acknowledge every complaint and respond within the timeframe required by applicable regulation. If you remain unsatisfied, you may escalate to the competent financial authority in your jurisdiction.
This disclosure is provided for transparency and does not itself constitute an offer of credit. Specific terms are presented for acceptance inside the application before any agreement is formed.