IQ Credit is a loan selection service, and how competitors are hindered by the success of IQ Credit.

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For several years now, IQ Credit has been offering assistance in obtaining a loan and during its commercial activity has helped thousands of Russians to obtain loans for different amounts and different needs.

The vigorous activity and increasing popularity did not like the competitors, who in the fall of 2021 launched an information attack on IQ Credit. It is rather ridiculously organized, so the custom-made nature of low-quality reviews posted on different review sites is immediately noticeable.

“They took money from me, and then disappeared into the fog. Now they don’t pick up pipes at all, ”writes a tapinatatiana.

There are two lies at once:

• Firstly, IQCredit does not charge any prepayments. Anyone can verify this by calling the phone number indicated on the official website www.iq-credit.ru or www.credit-iq.ru .
• Secondly, no one disappeared into any fog. The company is officially working, its phone is available. Both tapinatatiana and others can be convinced by dialing +7 495 136-73-00. Please note that this is not a mobile, but a Moscow city number.

A similar review was left by someone Olesya, clarifying that she could not take out a loan from several banks, but refused to cooperate, since “I had read reviews about several unscrupulous brokers and knew what to prepare for”.

Yes, it happens when the bank does not give a loan. But when several banks refuse to provide a loan at once, it is probably not casual. There are likely special reasons for this. Perhaps a credit card delay, or perhaps a current loan debt.

It is sad that instead of solving specific problems, a person searches the Internet for reviews of unscrupulous brokers and draws conclusions based on this.

If you read the reviews about black realtors, they will want to buy an apartment; and if the video is about autos, it will be scary to get behind the wheel!

Negative reviews are not supported by detailed information, so it is impossible to identify those who left them. Example: a person complains that cooperation with the service is “just awful”, claims that “they threw it, gave an advance, and now there is no way to get through”.

But the phone, as before, is posted on the official website, the operators are ready to provide advice. That is, this is a clear lie. The untruthfulness of the response is confirmed by the fact that in response to the offer to provide a photo of the contract with the seal of the service and the signature of the manager, no response is received. It is not strange, because to provide absolutely nothing.

Reviews about IQ Credit are really worth looking for and reading, because the overwhelming majority are positive. But, as you know, a fly in the ointment spoils a barrel of honey. For this reason, such a small investigation is intended to refute the negative reviews, which, by the way, anyone can leave without any confirmation of their identity.

Who benefits from this?

Why has such an information attack against IQ Credit been carried out recently?

The answer is simple - competitors are jealous. Their efforts can hardly be called black PR, because these are just reviews, not the most professional ones. Upon detailed examination, their custom-made nature is clearly noticeable, if only because, after a clarifying question from a company representative, the dissatisfied refuse to provide evidence of the veracity of the information. But if you think so, then it should be beneficial to them!

Who is doing this? It is not possible to point a finger at specific persons. But, on the whole, the situation is clear.

The fact is that the bank lending market is a trillion dollar industry. But there is a category of citizens who are consistently denied loans by banks.

You might think that these are students and other young people who have no credit history and liquid collateral, but no! Most often, those who were refused have a credit history, but it is quite negative. Moreover, a person may have existing loans with long delays.

Of course, taking another loan in order to cover the debts of the previous or previous is not the most competent decision, but this is not always the case. It so happens that a person with grief paid off the debt in half, made a considerable number of delays, which is why he earned a “black mark”. Then he again needed services - but now the bank refuses.

This is where all sorts of services come into play that provide assistance in obtaining a loan, among them IQ Credit.

You might think that this is a commonplace mediation, but no. While many companies do virtually nothing useful, IQ Credit is focused on results. The company offers a unique service, which consists in the selection of a profitable loan with a low interest rate without a certificate of income, followed by approval in just three hours.

Agree, it sounds attractive and even implausible, but there is no deception here and cannot be!

The site says in plain text - no prepayment is required. There are no hidden fees, the company charges payment only when the loan is actually received in hand.

Telephone? Yes, here he is, on the main site - he is not silent, he answers. Anyone - both a current client and future customers of the service - can seek advice.

How does IQ Credit earn?

A quite natural question may arise: how does the IQ Credit company earn money, if everyone can apply for a loan on their own, moreover, submit 5 applications to 5 different banks? There are a great variety of services that offer automatic loan selection.

This is true, but the fundamental difference between IQ Credit is that the company works under partnership agreements with commercial banks.

You have probably seen bank advertisements more than once, they are everywhere - both on the Internet, but on billboards and on television. Financial institutions spend huge amounts of money to attract depositors, borrowers, individuals and legal entities.

But there is another way: the bank can enter into a partnership agreement with an agency that undertakes to supply it with a large number of clients. It's easier - and everyone is happy:

• The bank gets real clients;
• Those who have previously encountered problems in loan approval receive approval;
• The company, as a result, receives its commission, which is formed both through cooperation with banks and through the commission paid by customers.

In the end, everyone is happy. It didn’t work - you don’t have to pay anything. It turned out - the client receives a loan from the bank - it is in the bank, and not from some private lender, everything is official.

It is clear that this state of affairs does not suit everyone. Not every company has the opportunity to enter into partnership agreements with commercial banks. Many limit themselves to pure mediation, which is not even mediation, because often it is just a website that hosts a form for submitting an application to a large number of banks. A prepayment will be charged and if something went wrong, it will not be refunded.

Thus, negative reviews about IQ Credit are left by users who are hired by competitors, or services that cannot be called competitors.

IQ Credit is the selection of the best loan. Just call the phone - a real phone that really works, not silent, as some claim!

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Click here to read the publication in the original language.