Zero Займ is a free Android app developed by Netfinbank.ru. It offers fast and easy loans to users who meet certain requirements. To apply for a loan, users must have citizenship and identification documents, be over 18 years old, and have a bank card or e-wallet.

The first loan is offered at a 0% interest rate if repaid on time. The minimum repayment period is 62 days, while the maximum is 365 days. The annual percentage rate (APR), including interest, as well as all other fees and expenses for the year, ranges from a minimum of 1% to a maximum of 32%. The daily rate for using the loan ranges from 0.01% to 1%. In case of late payment, a penalty of 0.1% of the overdue amount per day is charged, but it cannot exceed 10% of the loan amount. There are no other fees or charges.

Users can extend the loan by informing the creditor in a timely manner and paying interest for the initial loan period. The app is user-friendly and offers a simple loan calculation tool. However, users should be aware of the consequences of late payments, which could result in additional fees and information being reported to credit bureaus.