Overview
This document discloses the key parameters, cost structure, calculation methodology, and borrower rights applicable to loan products offered by OOO ,LAPO. Reading this document in full before accepting any credit offer is strongly recommended. All figures shown are indicative; the exact terms binding on both parties will be set out in your individual credit agreement.
Section 01
Definitions
Lender
OOO ,LAPO — a limited liability company registered in the Russian Federation and licensed to provide consumer credit services.
Borrower
An individual or legal entity that has submitted a credit application and entered into a loan agreement with the Lender.
Principal
The initial sum of money disbursed to the Borrower, excluding all fees, interest, and charges.
Daily Rate
The percentage of the outstanding principal charged as interest for each calendar day the loan is outstanding.
APR
Annual Percentage Rate — the full cost of credit expressed as a yearly rate, calculated in accordance with Federal Law No. 353-FZ.
Processing Fee
A one-time charge deducted at disbursement to cover loan origination and risk assessment costs.
Loan Period
The number of calendar days between the disbursement date and the contractual repayment date, inclusive.
Section 02
Loan Parameters
The following parameters define the range of credit products currently available through the OOO ,LAPO platform. Individual offers may differ depending on borrower profile, credit scoring outcome, and prevailing risk conditions.
Principal range
10,000 – 500,000 RUB
Subject to credit score and verification
Loan period
61 – 180 days
Calendar days from disbursement
Daily interest rate
0.04% – 0.07%
Accrued daily on outstanding principal
APR cap
23.0%
Maximum annual percentage rate per law
Processing fee
0.5% – 1.0%
Deducted from principal at disbursement
Repayment structure
Single maturity
Full repayment on the due date
Early repayment
Permitted at any time without penalty
Interest recalculated for actual days used
Parameters shown are indicative ranges. The exact rate, fee, and term applicable to your loan will be stated in the individual credit agreement before you accept the offer. No obligation arises until the agreement is signed.
Section 03
Cost of Credit
The total amount payable by the Borrower consists of the following components:
- Principal — the disbursed amount that must be returned in full.
- Interest — calculated as: Principal × Daily Rate × Number of Days.
- Processing fee — a percentage of the principal, charged once at loan origination.
The Annual Percentage Rate (APR) is computed using the standard formula prescribed by the Bank of Russia and reflects all mandatory costs. APR is disclosed in the credit agreement in a prominent location before signing.
No additional charges (insurance, hidden fees, maintenance fees) apply unless explicitly disclosed in the individual agreement and consented to by the Borrower.
Late payment charges may apply if the repayment is not received by the due date. The rate and structure of any penalty charges will be specified in your individual credit agreement and are subject to statutory limits.
Section 04
Calculation Examples
The following three illustrative scenarios show how interest and total repayment amounts are calculated. All figures are hypothetical and for disclosure purposes only — they do not represent a credit offer.
Illustrative scenarios
Interest accrued
200,000 × 0.06% × 90 = 10,800 RUB
Principal × Rate × Days
Total repayment
212,400 RUB
200,000 + 10,800 + 1,600
APR disclosure
21.9%
Interest accrued
75,000 × 0.07% × 61 = 3,202.50 RUB
Principal × Rate × Days
Total repayment
78,952.50 RUB
75,000 + 3,202.50 + 750
APR disclosure
22.8%
Interest accrued
450,000 × 0.05% × 180 = 40,500 RUB
Principal × Rate × Days
Total repayment
492,750 RUB
450,000 + 40,500 + 2,250
APR disclosure
18.5%
APR figures are calculated in accordance with Federal Law No. 353-FZ and reflect the full cost of credit relative to the disbursed principal over a 365-day year. Actual APR for your loan will be confirmed in writing before you sign.
Section 05
Repayment Rules
All loans issued by OOO ,LAPO are structured as single-maturity instruments: the full outstanding amount (principal + accrued interest + fee) becomes due on the contractual repayment date stated in your individual agreement.
- Payment must be received by 23:59 Moscow time on the due date.
- Accepted payment methods are specified in the credit agreement; bank transfer is always accepted.
- Partial payments may be accepted with prior written notice but do not postpone the due date unless an extension agreement is signed.
- Early repayment is permitted at any time. Interest will be recalculated for the actual number of days the loan was outstanding.
- The processing fee is non-refundable on early repayment once the funds have been disbursed.
Extension: If an extension of the loan period is required, a written request must be submitted at least 3 business days before the original due date. Extensions are granted at the Lender's discretion and may involve a revised rate or additional fee as stated in the extension schedule.
Late payments: If a repayment is not received by the due date, the Lender may charge a penalty in accordance with the rate specified in the individual credit agreement, subject to statutory caps under Russian consumer credit law.
Section 06
Rights & Obligations
Borrower rights:
- Receive complete pre-contractual information including all costs and APR before signing.
- Repay the loan early without penalty on any business day.
- Request a restructuring of the repayment schedule in case of documented financial hardship.
- Obtain a copy of any signed agreement or transaction statement at no charge.
- Lodge a complaint with the Lender or escalate to the Financial Ombudsman Service (finombudsman.ru).
Borrower obligations:
- Provide accurate and complete information during the application process.
- Notify the Lender promptly of any change in contact details or financial circumstances that may affect repayment.
- Repay the full outstanding amount on the due date specified in the agreement.
- Refrain from using loan proceeds for purposes prohibited under applicable law.
Lender obligations:
- Disburse the approved loan amount within the timeframe stated in the agreement.
- Provide accurate cost disclosures prior to execution of the agreement.
- Process early repayments and recalculate interest within 1 business day of receipt.
- Maintain data privacy in accordance with Federal Law No. 152-FZ on Personal Data.
Section 07
Disputes & Complaints
OOO ,LAPO is committed to resolving all customer concerns promptly and fairly. If you have a question about your loan, a billing discrepancy, or a complaint regarding our practices, please use the following procedure:
- Step 1 — Direct contact: Write to [email protected] or call 57217885997+. We target a response within 5 business days.
- Step 2 — Formal complaint: If the initial response is unsatisfactory, submit a formal written complaint. We will investigate and respond within 30 calendar days.
- Step 3 — External escalation: If the dispute remains unresolved, you may escalate to the Financial Ombudsman Service (finombudsman.ru) or file a claim with a court of competent jurisdiction in the Russian Federation.
All disputes arising from the credit agreement shall be governed by the laws of the Russian Federation. The parties shall first attempt good-faith resolution before initiating formal proceedings.
Do not ignore overdue notices. Contacting us early gives us the opportunity to find a mutually acceptable solution before additional charges accrue or the debt is transferred for collection.
Section 08
Contact Information
For all questions related to your loan, repayment, or the contents of this document, please contact OOO ,LAPO using the details below:
Jurisdiction
Russian Federation
Regulator
Bank of Russia — cbr.ru