Always. Yes Mobile app

Main article: Mobile applications

2021: Introduction of the application "Always. Yes"

On May 20, 2021, Vsegda launched a limit on installments - this is the amount that can be spent on any goods and services in Vsegda partner stores. You can find out the limit in the official application of the company by uploading passport photos and selfies, as well as specifying information about work and income.

Usually, the buyer first selects the product, and then draws up an installment plan. This service works differently - now you can find out the available amount to pay in installments and spend it on the purchase of any goods and services in one of the partner stores "Vsegda." As of May 2021, this is almost 2300 offline points of sale,. In the near future, using the limit, it will be possible to buy goods in installments in all 77,000 Vsegda partner stores: online or offline. There will also be special offers - promotions and discounts.

In the store, the buyer selects items for the amount of the limit, and then contacts the seller or a credit specialist to activate installments. The client chooses a bank ("Vsegda.Da" cooperates with 8 banks and 3 MFIs), an installment period and additional services, according to which a detailed list and cost are displayed. If additional services are not needed, the buyer can easily refuse.

What is the convenience of the limit? Imagine that in front of you are two refrigerators - for 20 and 50 thousand rubles. At the time of selecting the item, you do not know exactly what amount the bank will approve. With a limit in a different way - you go for a purchase with a previously known amount. For example, having received approval for 80 thousand rubles in the application, you know that the refrigerator for 50 will definitely "fit" into your budget. And for the remaining amount, you can add something to the basket - for example, consumer electronics for the kitchen. This is convenient not only when buying equipment, but also clothes, furniture, goods for repairs or gifts. We help the client come to the store with confidence that he can buy what he chose in advance, "explains Roman Varvarin, director of business development at Vsegda.

In the application you can not only find out the limit, but also repay installments and loans of any banks. This is convenient for those who have several debts - for example, mortgages and loans for furniture in an apartment. You can "collect" them in one application, receive reminders of payment dates and pay in one click by linking a card.

Through the application, you can also issue a cash loan by comparing the offers of several MFIs and banks. Within a few minutes, solutions will be displayed in the application, you can compare and select the most suitable conditions.

Some banks transfer funds to the card instantly, in other cases it is necessary to confirm the execution of a loan with an employee of a financial organization.

We are actively developing the application and will add many useful services to it. First of all, they will be aimed at a convenient and quick purchase of goods in installments, but this is not all. In the application, it will be possible to conveniently solve any "monetary" issue - from paying housing and communal services to a tax deduction, "says Roman Varvarin.