Loan Terms and Conditions
Service terms and representative borrowing conditions for customers accessing financial products through SELENA, LLC.
Provider: SELENA, LLC · [email protected] · 18+ · Russian Ruble (RUB)
Loan parameters
| Parameter | Details |
|---|
| Loan amount |
Offers typically fall in the 8,000 – 100,000 RUB range. Where additional verification is completed, the ceiling may be raised up to 200,000 RUB. |
| Loan term |
From 61 to 91 calendar days. The schedule applicable to each product is displayed on the offer screen ahead of confirmation. |
| Daily interest |
Between 0.08% and 0.10% of the outstanding loan balance accrued each calendar day. |
| Annual percentage rate |
Not exceeding 31% APR on a 365-day basis, encompassing the daily charge and any other applicable costs. |
| Repayment structure |
Either a bullet repayment at the end of the term or a periodic installment plan, as agreed in the borrower's contract. |
APR is calculated from the approved principal, daily rate, and actual term. The binding figure appears in the signed agreement.
Representative examples
Case 1
- Loan amount
- 60,000 RUB
- Term
- 91 days
- Daily rate
- 0.10%
- Total repayment
- 65,460 RUB
- Service cost
- 5,460 RUB
- APR
- 31%
Case 2
- Loan amount
- 25,000 RUB
- Term
- 75 days
- Daily rate
- 0.08%
- Total repayment
- 26,500 RUB
- Service cost
- 1,500 RUB
- APR
- 29.2%
Repayment and extension
- Settlements may be submitted through the personal account in the service, by wire transfer to the lender's account, or via partner collection points where available.
- A loan extension is available if the borrower settles all charges due as of the proposed extension date and continues to satisfy product eligibility criteria.
- The borrower may close the loan before its scheduled end date without incurring a prepayment penalty; the interest component is adjusted to reflect only the days the credit was outstanding.
Rights and obligations
Borrower rights
- Receive a plain-language breakdown of all fees and conditions prior to signing.
- Access support to clarify any aspect of the rate structure, repayment schedule, or contract terms.
- Exercise the right to early settlement as provided by applicable consumer finance legislation.
Borrower obligations
- Provide truthful and up-to-date personal, contact, and payment details at all stages of the service.
- Adhere to the repayment schedule confirmed in the signed agreement.
- Notify SELENA, LLC without delay if a scheduled payment is at risk of being missed.
Dispute resolution
Enquiries about the service, individual contract terms, or formal complaints can be submitted to [email protected]. SELENA, LLC addresses each request in accordance with its internal complaints procedure and the response deadlines set by consumer protection rules.
Last updated: March 18, 2026 · [email protected]