Russians' interest in microloan services continues to grow. According to the Rafinad platform, in 2025, the total traffic volume to microfinance organizations' websites increased by 15–18%, and in early 2026, the growth was another 4% quarter-over-quarter.
Analysts attribute one of the main reasons to the tightening of bank lending against the backdrop of a high key rate. Some clients who found it more difficult to get a loan from a bank began to switch to the MFO segment.
At the same time, users became more active in submitting applications to several companies at once. If previously they applied to 3–4 organizations on average, now this figure has grown to 5–7.
The main audience for microloans is still people aged 25 to 50. The highest demand is recorded in large cities – Moscow, St. Petersburg, Yekaterinburg, and Krasnodar.
Another trend has been the increase in the share of repeat customers. In 2026, it reached approximately 70%, as attracting new users becomes more expensive for services.
The average short-term loan amount increased to 11–13 thousand rubles, and the term to 20–30 days. At the same time, the approval rate for new clients significantly decreased: from 30–35% previously to 15–21% now. The main reason for rejections remains high debt burden.
