What is the cooling-off period?

The cooling-off period is the period after receiving a loan when the credit funds are not yet available. This period is needed so that you can refuse the loan if you realize that you have been influenced by fraudsters or found out that they took out a loan in you name. Learn more about Federal Law No. 9-FZ dated February 13, 2025

How long the period lasts
At least 4 or 48 hours after the conclusion of the loan agreement.

What determines the duration of the period
The cooling-off period depends on the loan amount:

• up to 50,000 rubles — there is no cooling-off period;
• from 50,000 to 200,000 rubles — at least 4 hours;
  
• more than 200,000 rubles — at least 48 hours.