Салем займ - займы без отказа is a free finance application developed by Алексразработчик for Android 9.0. The app guarantees a 98.8% approval rate for loans without requiring any employment history, tax identification number, or collateral. The only requirement is a valid passport. Users can fill out an application and provide their bank card or e-wallet details for money transfer, which usually takes 2 to 5 minutes to process automatically. The app is available 24/7 and offers loans with 0% interest rates for a minimum of 91 days and a maximum of 754 days. The maximum annual percentage rate is 31%. The app partners with Zaymer, Lime Zaym, Webbankir, Vivus, MoneyMan, Credit7, and CreditPlus, among others, to guarantee the fastest and most reliable loans. However, the app warns users that if they fail to repay their loans on time, they will be charged interest rates and late fees based on the original agreement.