ИЛМА is a mobile application that offers cash loans on favorable terms. It is a product of the Association of Credit Cooperatives, which has been providing financial services since 2008. ИЛМА is designed to provide easy access to loans with low-interest rates, no hidden fees, and simple requirements. The app allows users to apply for loans online, chat with support, add a cosigner to increase the credit limit, and monitor payment schedules. With ИЛМА, users can obtain loans ranging from 2,000 to 300,000 rubles for a period of 2 to 36 months. The annual interest rates vary from 19% to 164%, depending on the loan duration. ИЛМА is available for Android devices and is free to download.