Моментальный на карту кредит is a free Android application designed to help users search and select loan services online. The app displays companies that offer loans for a period of 61 to 730 days, and are accredited by the Central Bank of the Russian Federation. The app also provides information on the total cost of the loan and an example calculation.

Users can borrow from 10% to 360% annually, with a minimum repayment period of 61 days and a maximum of 1826 days, including extension. The consequences of non-payment include a penalty of 0.10% of the overdue amount per day, but not exceeding 10% of the loan amount. In addition, the app lists credit institutions such as PAO "Sovcombank" and PAO KB "Vostochny," which have licenses from the Central Bank of the Russian Federation.

Users must be Russian citizens, have a passport, and be 18 years of age or older. The app does not lend money or issue loans online. Instead, it helps users find and select loan services that are licensed by financial institutions to provide bank loans.