СБ-Займ is an Android application developed by Alex Dev Perm that offers instant loans and credits without the need for any paperwork or guarantors. The app claims to provide loans to anyone with a Russian citizenship, regardless of their credit history or employment status. The app offers a minimum Annual Percentage Rate (APR) of 0.1% and a maximum APR of 365%. The minimum and maximum repayment period ranges from 91 days to 2555 days, with interest and penalty fees not exceeding 100% of the loan amount.

With СБ-Займ, users can request a loan and receive the money within 15 minutes. The app offers its first loan to all Russian citizens at 0% interest. However, the app does not provide loans on credit cards or in cash. The app also provides an estimated calculation of the total cost of the loan, based on the loan amount, repayment period, and interest rate.

Overall, СБ-Займ is a useful app for anyone in need of quick loans and credits without any hassle.