Which bank can I get a loan from. Cash loans. microloans that can be instantly received on the card

Cash loan in Moscow

Consumer lending is very popular among people with different income levels. Each bank has dozens of programs through which you can get cash. Some of them provide for the conclusion of a transaction without guarantors, security and confirmation of income. Thanks to this, the process of submitting an application and waiting for approval takes a minimum of time. Before filling out the questionnaire, carefully and soberly assess your capabilities: sooner or later you will have to repay the debt along with interest. Spend some time comparing conditions and requirements across organizations.

What is presented here?

In this catalog, we have collected the current offers of Moscow banks, providing for the withdrawal of cash. Among them there are options without proof of income and without the need to provide collateral. The amount ranges from 200-300 thousand to 5 million rubles. Each offer is accompanied by detailed information on key parameters, requirements, a table of rates and the necessary documents. To choose a suitable solution, use the search filter - specify the amount, term and currency. The system will only leave what matches the entered data. To speed up your search, sort the options by popularity and bid.

How to make the right choice?

Before proceeding with the application procedure, study all the conditions and clarify the requirements. The following points are of great importance:

Monthly payment. Review the repayment schedule, which lists the mandatory payment on a monthly basis. Compare the amount to your source of income. It will not be superfluous to find out the full cost of the product, taking into account the "body", interest and commissions.
The cost of related services. Sometimes banking institutions charge a fee for processing the application and dispensing cash.
Repayment. Be sure to find out if there are any early repayment penalties: partial or full. Additionally, learn about the ways in which you can pay off debt. The more, the better for you.
Delay. Find out how much the delay in the next installment will cost you.

First, prepare your documents. Depending on the conditions, you will need a 2-NDFL certificate from the place of work, a copy of the work book. In addition, sometimes additional documents are required (for example, TIN or SNILS). Next steps:

Filling out an application form in the office or online.
Obtaining approval.
Visit to the office at the appointed time.
Signing the required papers.
Issuance of funds at the cash desk.

About our portal

Today the site promotes the conclusion of deals that are beneficial for both companies and their clients. We have collected the services of all banks, leading MFIs, insurance companies and customs brokers in the country. Both individuals and business representatives can find suitable products on the site. For a quick search, use our filters and interactive services. Based on feedback from customers and employees of organizations, we constantly update the "Narodny" and "Service" ratings of banks, respectively. Check them out so as not to be mistaken when choosing a company.

See offers in other cities of the Moscow region:

The easiest way is if you work for at least six months at your current workplace and receive at least 15,000 rubles. But what if you have lost your job or are unofficially registered, and you have income, but you cannot prove it in any way? It remains to look for options where you can take a loan without 2-NDFL and guarantors. We have collected 7 banks that issue loans without income certificates.

Where to get a loan without proof of income

A private investor draws up loans on a passport without 2-NDFL certificates from his own funds, almost without refusal. Broker- assists in obtaining loans from banks and other credit organizations with a 90% guarantee of the issuance of money. No prepayment.

Promsvyazbank, Tinkoff, Gazenergobank, MKB and Vostochny issue loans not only without certificates, but also with only one passport. In addition, Promsvyazbank and Renaissance have the most favorable interest rates. With a bad credit rating, it is best to apply to Vostochny or Renaissance - there are only 10% of refusals, and with a good one - to MKB and Home Credit, where they can now offer from 7.9% -9.9%. Favorable conditions for pensioners are guaranteed by Vostochny, and for Tinkoff Bank and MKB, which issue cash from the age of 18.

Assistance in obtaining from Msk-Money

Amount: From 20 thousand rubles to 2 million;
Term: From 1 to 20 years;
Interest rate: From 12% per year;
Age: from 18 years old;
Documents: passport.

If you have difficulties in obtaining a loan from a bank, for example, you cannot provide a certificate of employment, without official employment, or a not very perfect CI, then contact Msk-money. They help to get money almost 100% guaranteed in banks and other organizations, prepare documents for you and choose companies in which you will receive the financial assistance you need without refusal.

Loans in Vostochny without certificates and with poor CI

Amount: From 25 thousand rubles to 3 million;
Term: From 13 to 240 months;
Interest rate: From 9.9% per year;
Age: 21-75 years old;
Documents: passport.

In general, without confirmation of income, it does not require any certificates and additional documents from you, it issues only according to the passport of the Russian Federation.

Loan only by passport at Gazenergobank

Amount: Up to 1.3 million rubles;
Term: Up to 5 years;
Interest rate: From 11.9%;
Age: 23-70 years old;
Documents: passport.

The most important point: Gazenergobank is ready to offer you only 180,000 rubles without a certificate of income. A large amount - already only with the confirmation of income. Also, you must have at least 3 months of experience in the current job. Plus, a loan can be obtained by pensioners up to 70 years old.

Almost no refusal loan in Renaissance Credit

The need for additional money, as a rule, arises unexpectedly and at the most inopportune moment. The life of a modern person is unpredictable and full of unforeseen difficulties, which can be easily solved with the help of consumer loans in Moscow. For individuals in 2020, favorable conditions for obtaining loans are put forward by such Moscow banks as Sberbank, VTB, Alfa Bank, Rosselkhozbank, Post Bank, Vostochny Bank, City Bank and many others.

How to get a consumer loan in Moscow?

To get a profitable consumer loan from a bank, a borrower only needs to follow four key steps:

Calculate a consumer loan using a convenient calculator posted on the site.
Fill out an online application for a consumer loan in Moscow on the official website of the bank and send it for consideration. It takes a few minutes for the bank to make a preliminary decision on granting a loan. If the result is positive, the borrower will receive a notification in the form of an SMS message.
Bring a package of documents to the bank branch. Each banking institution has individual requirements for the documentation provided by customers. Only borrowers who fully meet the requirements of the bank can count on the most favorable loan terms. If necessary, today it is possible to take a consumer loan without certificates in Moscow or to issue a loan without guarantors, however, low interest rates in such cases cannot be counted on.
Receive money if the bank makes a positive decision to issue cash. It usually takes one to three business days to verify the information provided by the borrower. A consumer loan in cash in Moscow can be transferred to a bank account or card.

To make payments for a consumer loan in Moscow, there are several ways, among which the borrower can choose the most convenient for himself. Money can be deposited at the cash desks of banks, at the Russian Post offices, as well as using Internet banking, ATMs and terminals.

List of banks in which it is possible to take out a loan without certificates, guarantors and collateral: the most loyal banks for obtaining a consumer loan and a credit card.

If all banks refuse a loan due to bad credit, it may be easier to get a credit card. Banks are more loyal to bad CI when issuing credit cards, but the amount of the limit will be low. Additionally assists in obtaining approval for opening a debit card or account.

Interest rate - from 17.9% to 34.9% per annum, depending on the age of the client and his credit history. There is a chance to reduce the rate to 0% on a special offer with a Halva card;
Age - from 20 to 80 years old.

Tinkoff Bank credit card:

Amount - up to 300,000 rubles;
Rate - from 24.9% of 12% per annum with an interest-free period of 55 days and installments up to 1 year. 120 days without interest if you repay other loans with a card.

Cash loan Tinkoff:

Amount - up to 1,000,000 rubles;
Rate - from 14.9% from 12% to 28.9% per annum;
Term - from 3 months to 3 years.

Loan amount - up to RUB 500,000;
Rate - from 9.5% per annum;
Term - up to 5 years;
Age - from 25 to 70 years old;
Income from 8,000 rubles per month, permanent job.

You can also get a credit card at Renaissance Credit Bank:

Amount - from 3,000 to 300,000 rubles;
Interest rate - from 19.9% per annum, for cash withdrawals - 45.9%, an interest-free period of 55 days;
Cash withdrawal fee - 2.9% + 290 rubles;
Age - from 24 years old;
Card service is free.

Only if you are not an individual entrepreneur and you have not had delays for more than 90 days:

Loan amount - up to 3,000,000 rubles;
Interest rate - from 13.9% to 9.9% per annum;
A certificate of income is required, age from 23 years, salary from 40,000 rubles.

Loan amount - from 5,000 to 700,000 rubles;
Interest rate - from 8.8% to 41% per annum;
Loan term - up to 5 years;
Age - from 21 to 70 years old;
Work experience in the last place from 1 month.

Loan amount - up to 500,000 rubles (without refusal);
Interest rate - from 9% per annum;
Loan term - up to 5 years;
Age - from 21 to 75 years old;
Experience in the last job is required from 3 months, for persons under 26 years old - from 1 year.

Vostochny also offers to issue a credit card of 0% per annum for 56 days with a credit limit of up to 120,000 rubles. But in fact, the bank will approve no more than 15,000 rubles, if earlier you had delays.

Loan amount - up to 1,000,000 rubles;
Interest rate - from 7.9% per annum;
Borrower age - 22-69 years;
Loan term - up to 7 years.

Home Credit is the easiest way to get a loan of up to 100,000 rubles, but you must have official place of work and a total experience of at least a year + there should be no large delays.

Home Credit Bank (HCF Bank) also issues a credit card with an interest-free period of 51 days and installments up to 1 year:

Credit limit - up to RUB 300,000;
Interest rate - from 17.9% per annum;
Borrower age - 23-64 years;
The cost of the card is 499 rubles per month, but it is charged only in the months of its use.

To obtain a credit card, a Russian passport is sufficient.

Loan amount - from 50,000 to 300,000 rubles;
Interest rate - from 15.5% to 25% per annum;
Loan term - up to 7 years;
The borrower's age is from 21 to 75 years.

It is important that the bank issues a loan only with a passport and immediately, but you should not have open delinquencies in other banks and delays more than 30 days in the past! Also, your length of service at the last job must be at least 3 months, total work experience - at least 12 months.

If you need a credit card without proof of income, UBRD issues cards with an interest-free period of 120 days, which is valid for cash withdrawals and purchases.

Loan amount - from 30,000 to 300,000 rubles;
Interest rate after the end of the interest-free period - 30.5% per annum, withdrawal fee 5%;
Age - from 19 to 70 years old;
Maintenance fee - 1,500 rubles per year.

Loan amount - from 50,000 to 1,300,000 rubles;
Interest rate - from 9.9% to 25.5% per annum;
Loan term - from 3 to 5 years;
Borrower age - 23-70 years;
The minimum length of service in the last job is 3 months;
For persons under 27 years old - a military ID.

It is possible to take out a loan without certificates and guarantors even without official work, but this can be done not in every bank. There are banks that are more loyal to such customers than others, but you have to pay for such an opportunity with increased interest rates.

To obtain a loan or card in the banks presented, you need to have a passport of a citizen of the Russian Federation, and your age must be at least 21 years old. In most cases, a certificate of income (2-NDFL) is not needed, but you can fill out a certificate of income in the form of a bank, this has a positive effect on approval and lowers the rate. This method is often used by clients who work informally.

Even with a bad CI, you can get a loan!

Credit history is the main condition for issuing a loan, but the bank's decision is also influenced by:

Unpaid alimony;
The existence of claims against you;
Unpaid fines;
A large number of administrative offenses, including traffic fines;
Having a criminal record;
Debts for housing and communal services;
Your income (certificate 2-NDFL - "last century", income is checked through the Pension Fund of Russia. It is very good if you have a work book or a contract. An extract from the card account on the transfer of salary is also suitable);
Reliability of information in the loan application! The slightest lie can deprive you of the opportunity to get a loan not only now, but also in the future.

The bank can give you a loan, even if you were overdue, but you should not have any problems with the above points. Otherwise, the maximum that you can count on is refinancing your loans or a program to improve your credit history. If banks do not give you a loan, take a long-term loan from an MFO, the rates on such loans are much lower than “payday”, and the chances of getting money from an MFO are greater than from a bank.

Banks not checking credit history

It is a myth! Absolutely all banks check their credit history, but there are nuances.

Part 3.1 of Article 5 of Federal Law No. 218-FZ of December 30, 2004 "On Credit Histories" obliges each bank to cooperate with at least one credit history bureau (CRB) for the mutual exchange of information about borrowers. Before approving a loan, the bank is obliged to assess the borrower's risk of not returning the money.

At the same time, the bank it is not always possible to obtain complete information about the borrower's loans, as this information is "scattered" in different bureaus. This means that the lender may not receive information not only about delays, but also about the loans paid, which positively characterize the client.

The bank can indicate on its official website which BKI it cooperates with. But we do not recommend to abuse it, as banks comprehensively evaluate clients. You can get a loan with a bad credit history if you do not try to deceive the bank and clearly confirm your ability to repay the loan on time.

If there are no problems with credit history

The credit card "100 days without%" with a limit of up to 500,000 rubles is now one of the most popular products. For clients with zero credit history or past due in the past, it is advisable to indicate in the application an amount of the limit of no more than 30,000 rubles, in the future, if there are no delays on the card, the limit may be increased. The card is also suitable for refinancing other loans, the rate on it ranges from 11.99% per annum after interest-free period... You can withdraw up to 50,000 rubles from the card per month and also without interest for 100 days.

The card is issued to persons over 18 years of age. Service of the card costs from 1,490 rubles per year.

If you need a large amount of cash, you can apply for a cash loan up to 1,000,000 rubles. The rate is the same as on the card - from 8.8% per annum. But for a loan, the requirements are stricter: age from 21 years and current work experience of at least 6 months.

The rate on a loan at the Otkritie bank starts from 10.5% per annum with insurance, from 12.9% - without. But the first year the rate is one for all: 8.5% per annum. You can take up to 5,000,000 rubles for 5 years.

Requirements for the borrower: age from 21 years, work experience - from 3 months, general - from a year, while there should not be an individual entrepreneur.

Also in Opening there is a credit card with an interest-free period of 55 days, then 19.9% per annum. The card limit reaches 500,000 rubles. There is a cashback of 2-6%, and the card itself is free, issued to persons over 21 years old.

In Raiffeisenbank, you can easily get a loan up to 2,000,000 rubles at a rate from 8.99% to 13.99% per annum for a period of 1-5 years. But there is such an opportunity, if you are at least 25 years old, you earn from 25,000 rubles a month at work, where you work for at least 6 months.

An important service: you can get up to 300 thousand rubles without a certificate from Raiffeisenbank.

Raiffeisenbank also has a 110-day interest-free credit card from which you can withdraw cash without commission for up to 2 months. The card limit is 600 thousand rubles. The cost of service is free when spending from 8,000 rubles per month, otherwise 150 rubles per month.

Bank requirements for obtaining a card: age from 23 years, work from 6 months with income from 15,000 rubles (for Moscow time and St. Petersburg - from 25,000).

MTS is not only a mobile network, but also a bank. MTS Bank issues up to 5,000,000 rubles for 5 years, but this is to clients with an impeccable credit history. The easiest way is to get a loan of up to 50 thousand rubles and for a shorter period. The rate is from 9.9% to 25.9% per annum.

Requirements for the borrower: age from 27 years old, employment, in addition to a passport, you need SNILS, high-grade or foreign passport.

MTS Bank has an exclusive offer: a credit card with a fixed payment. You pay 30 rubles per day for using the loan, you need to repay the loan by the 20th day of the next month. If you do not have time to pay off, then the rate will be only 10% per annum. After repayment, the money (30 rubles per day) is not withdrawn.

The limit on the card is 150,000 rubles, it can be issued by persons over 27 years of age.

Rosbank offers loans with interest rates from 8.99% to 15.99% per annum. You can take up to 3,000,000 rubles for 7 years. The rate of 8.99% applies to loans from 1,500,000 rubles with insurance, in other cases the rate will be higher.

To become a borrower in this bank, you need to be over 20 years old and earn at least 15,000 rubles a month.

To apply for a loan at SBI Bank, you must live in Moscow or Moscow region, St. Petersburg or Leningrad region... In other regions, the offer is not yet available.

Differences between a loan in SBI, this is a low rate from 13.5% to 15% per annum despite the fact that no insurance needed. You can borrow from 100 thousand to 3,000,000 rubles for 1-5 years. The borrower's age must be from 21 to 65 years old, there must be a permanent place of work for at least 4 months.

The bank is loyal to delays, if they were not more than a month. No guarantors, no pledge, no commissions - the bank does not require anything of this. The loan is issued without a visit to the bank.

But you may need to prove income in order to take out a loan. This can be done not only with a certificate of income, an account statement from another bank is suitable: Sberbank, VTB, Gazprombank, Rosselkhozbank, Alfa-Bank, Otkritie, MKB, Promsvyazbank, UniCreditBank, Raiffeisenbank.

Disclaimer

Banks accrue interest on the loan in the amount established by the loan agreement, but within 365% per annum. You have the right to repay the loan ahead of schedule without charging any commissions.

If a monthly payment is delayed within the period specified in the agreement, the bank charges a penalty of up to 0.05% per day (up to 20% per annum) of the amount of overdue debt. A one-time late payment penalty may be levied by the lender.

Delays lead to an increase in debt, long-term delays negatively affect your credit history.

The rules for calculating interest and forfeit are applied in accordance with Federal Law No. 151-FZ of July 2, 2010.

How to get a bank loan without refusal?

The following information can help you get a bank loan without refusal. You will learn how to fill out an application correctly and to whom banks never refuse loans.

We will warn you right away that if you have current delinquencies on other loans, then taking out a loan from most banks will be quite problematic. This is especially true for loans overdue for more than 30 days. And it is unrealistic if the delays are more than 90 days. In this case, you can only count on a loan secured by a car or real estate. Or take a microloan from an MFO.

There are banks that are more loyal than others to small delays of up to 30 days, especially if they have already been repaid. The list of loyal banks for loans is presented above.

Also note that with bad credit it is more realistic to get a credit card than a loan. The amount on the card will be small, but there may be an interest-free period and the opportunity to improve the CI, and this is a chance to get a loan in the future.

Life hack

You can increase the chances of getting a loan or card approval if the bank from which you are going to borrow money, pre-open an account or debit card... You need to use a card or account: receive money on them or replenish yourself, make purchases. You need to use it for at least a month. Chances are high that the bank itself will offer you a loan or credit card.

Ideal borrower

To whom do banks never refuse loans? A portrait of the ideal borrower.

The best age for obtaining loan approval is 23-65 years old. Even if the conditions specify the minimum age of 18 years, the most desirable borrowers are people from 23 years old (it is possible for younger people to get a loan, but more certificates and a stable income are needed). In some banks, the minimum threshold may be higher.

Bailiffs should not look for you. Or at least the amount of your debts on the basis of the FSSP should not be more than 10 thousand rubles, and this does not depend on debts on loans or fines, for example, from the traffic police.

There are no traffic fines and other administrative offenses.

A large number of offenses often becomes a loan refusal. Pay the fines and only then send your application.

There are no long-term debts for housing and communal services.

There are no alimony debts. Banks and not only they do not like "alimony" very much.

Your passport must be valid and not wanted.

You do not have the status of an individual entrepreneur (IE).
Very often banks refuse clients with individual entrepreneurs. In this case, you need to look for banks that give loans to individual entrepreneurs or receive loans under special programs for business development.
You have a permanent job.
Banks do not issue loans to the unemployed, there must be at least income without employment according to the work book (in this case, you will need to provide the bank with a certificate of income in the form of a bank, an agreement with the organization with which you work, an account / card statement on regular receipts of money). If none of this is available, then only secured loans or microloans are possible.
You can provide at least 2 phone numbers: one - yours, the second - of the employer (or at least a relative, friend).
You have no more than 4 active credits.
In this case, you need to refinance loans: combine them into one. When refinancing, the bank can issue additional money for any needs. For example, you have 4 loans for a total amount of 500,000 rubles, you apply for a loan for 600,000 rubles, of which 500,000 will go to refinancing, and 100,000 - your money. As a result, you have money and only one loan, and with a lower rate.
The total amount of monthly payments for the current and the requested loan should not be more than half of the monthly income.
If less, then a collateral or guarantor may be required, otherwise reduce the loan amount.
You have no debt to the MFI.
At the time of filing an application for a loan at the bank, you must have closed all microloans.
You weren't bankrupt.
If you went through the bankruptcy procedure, then you will not be given a loan without collateral and guarantors.
No criminal record.
You cannot have a criminal record, especially for articles related to financial fraud.
You have no more than 2 children.
A large number of children, especially with a low income, can become a reason for refusal.

What can not be indicated in the loan application?

Passport data of an invalid (expired) passport.
Someone else's passport data.
Inaccurate work and salary data. Banks no longer make a request to the employer, but to the Pension Fund (PFR), where your data on income deductions are stored (therefore, banks know your real salary) and your place of work, length of service, etc.
A phone number that is not registered with you. For this reason, MFIs often refuse, since the SMS serves as a signature in the agreement. But banks can also pay attention to the ownership of the phone number.
Do not leave blank fields, even if the system allows it.
If there is a field in the application form for specifying the purpose of the loan / loan, then do not write that you have no money, “nothing to have”, fired from your job, and the like. This is a rejection! In this case, write that you need money before paycheck.

Even with an imperfect credit history, the chances of getting a loan are better if you fill out the application honestly. A lie in the application is a minus in the credit history!

There are more chances to get a loan or card in banks where you have already been a client (made transfers / payments, received salary, had or have a debit card, paid the loan in full). Exclude banks in which you had delays.

This article presents banks that generally have a high percentage of approvals.

Can. There is only one way to fix your credit history - to repay loans and take new ones! If you have had delays in the past, you can get a credit card and use it actively. Later, the bank itself will offer to increase the card limit or offer a consumer loan.

Keep in mind that correcting your credit history is a long process. It will take at least a year to upgrade your CI.

Beware of scammers offering to delete or edit your credit history. This cannot be done, since it is stored in protected databases of various Credit History Bureaux, which are controlled by the Bank of Russia.

Banks always offer individual conditions to potential borrowers, so we suggest submitting applications to 2-3 banks at once. Thus, you will increase your chances of getting a great offer.

Minimum interest on cash loans.

Bank	Percent	Application
	from 7.5%
	from 8.99%
in 1 hour	from 9.5%
No refusal	from 9.9%
	from 9.9%
	from 12%
	from 12%
	from 14.9%
up to 7 years	from 15.5%
	from 15.99%

Take out a loan of less than 10% per annum in Vostochny, Raiffeisen and Renaissance loans, the advantage of these banks will be that they consider applications without providing a certificate of employment. Tinkov, Sovcombank also do not require confirmation of income, but their minimum bar is from 12% per annum. It is quite possible to get money at a relatively low interest rate of 15% at UBRD.

Best Cash Loans

Alfa-Bank is the largest Russian private bank, one of the top 10 most significant credit institutions.

A universal bank that carries out all major types of banking operations, serving private and corporate clients, investment banking, trade finance, etc.

A cash loan for an amount of up to 3,000,000 rubles is issued at Alfa-Bank with an interest rate of 9.9% for a period of 1 to 5 years.

A consumer loan up to 1,000,000 rubles is issued at a rate of 14.99%, for the first 100 days no interest is accrued for using the money. All you need is a passport.

Alfa Bank has a huge selection of credit and mortgage lending and deposit options, free savings services, programs and loans secured by property.

The approval rate is high.

Summary: Alfa-Bank is a reliable bank that maintains leadership positions and offers various services on favorable terms.

Low interest loan

Bank "Home Credit" - loans up to 1,000,000 rubles from 7.9%!

Home Credit Bank is the leader in the consumer loans market at points of sale. To complete an online application and obtain a loan, you only need a passport.
A wide range of products for clients of different social status. Additional favorable conditions for regular customers. Customer deposits are insured.
The Bank actively participates in the social life of society.

Summary: Home Credit Bank ranks first in the consumer loans market due to low interest rates, customer focus and modern services and facilities.

Low interest cash loan

Renaissance Credit - up to 700,000 rubles at 11.3%

A bank with low interest rates, where you can get a consumer loan on two documents. It works in almost all major cities of Russia, gives out cash on the day of circulation for up to 5 years, has a special program for pensioners.

Summary: "Renaissance Credit" is the bank with the lowest interest rates, where you can get a loan under two documents.

Low interest cash loans

Raiffeisen Bank - a flat rate of 10.99% for a loan amount up to 2 million rubles

The bank follows the highest quality standards in its work, therefore clients trust it and agree to long-term cooperation.
To apply for a loan of up to 300,000 rubles, you only need a passport; up to 1,000,000 rubles - passport and proof of income; up to 2,000,000 rubles - passport, proof of income and employment. The term of use is from 1 to 5 years.
A decision on an online application is made in 2 minutes. You can get an approved loan at the branch or with free courier delivery.

Summary: Raiffeisen Bank provides loans for large amounts at a reduced interest rate.

Low interest loans

Vostochny Bank - low interest rates and high odds

In our opinion, the rates at Vostochny Bank are not the smallest, but here the maximum chances of approval of the application are even for borrowers with bad credit history. In this bank, you can take out a loan with a passport, without a certificate of income and any additional documents. Applications are accepted online, and are considered within 5-10 minutes.

Summary: Bank "Vostochny" - not the smallest interest, but the maximum chances for the approval of the application.

The lowest interest on a loan

"SKB-Bank" - simple and convenient lending.
SKB-Bank issues consumer loans in the amount of up to 300 thousand rubles without a certificate of income, up to 1.3 million rubles with a certificate. Interest rate from 9.9%. Loan term from 1 to 5 years. A loan application is considered up to 2 business days. Early repayment without commissions and penalties is possible.
Convenient, modern and free internet bank and mobile app.
Instant money transfers between cards of any banks.

Summary: "SKB-Bank" - low interest rates on loans for any purpose; universal online service.

Take out a small loan

Sovcom Bank is one of the top 10 banks with the most profitable loans in 2018.
In "Sovcom Bank" you can take out a loan in the amount of 5 thousand to 1 million rubles for a period of 1 to 5 years. Interest rate - from 12% per annum. For a loan of up to 40 thousand rubles, you only need a passport. The best offer is a loan of 100,000 rubles for 1 year at 12% per annum. You can place an online application in 2 minutes.
There are special credit programs for pensioners. A large amount can be obtained on the security of a car or real estate.
If you have a bad credit history, the bank offers the "Loan Doctor" program.

Abstract: Sovcom Bank is a large financial institution with attractive consumer lending terms.

Take out a consumer loan at a minimum interest

Tinkoff Bank is a modern and practical bank with a full range of financial services.
A loan of up to 2 million rubles for 1-3 years is issued without certificates, guarantors and a visit to the bank. Interest rate on the loan from 12%.
All applications are processed online, the card will be delivered by a courier from 1 to 7 days to any place. Possibly a partial early repayment - at any time by phone. Free top-up at 300,000 points in Russia. There are mortgage lending programs.
The first Russian bank to completely abandon branches. Banking transactions are instantly carried out over the phone or over the Internet.

Summary: Tinkoff Bank is the best online retail bank with a variety of credit and debit cards for every need.

Consumer loan the most favorable conditions

Post Bank is a new retail bank with branches in Russian post offices.
In "Post Bank" you can get a loan of up to 1.5 million rubles for a period of 1 to 5 years. All you need is a passport and SNILS. For payments from 10,000 rubles per month, the interest rate is reduced from 12.9% to 10.9%. The decision on the application is made in 1 minute.
The Element 120 bank credit card allows you to make purchases with payment within 120 days. The bank has special conditions for loans for education, etc.

Summary: Post Bank is a universal retail bank with affordable loans for various purposes.

Banks consumer credit

Rosbank is part of the Societe Generale Group, a leading universal European bank.
The Bank offers an unsecured loan "Prosto Money" in the amount of 50,000 to 3,000,000 rubles with an interest rate of 13.5% to 19.5% for a period of 13 to 84 months. A passport and a certificate of income are required, if the amount exceeds 400,000 rubles, then the bank asks for additional data. The credit limit can be increased upon presentation of information about additional income. More attractive conditions are offered for borrowers who receive wages to an account with Rosbank, employees of partner companies, retirees, state employees, etc.
Rosbank approves 8 out of 10 submitted loan applications.

Summary: Rosbank offers credit programs at rates above average.

Profitable loan

"OTP Bank" is a universal credit organization, a member of the international financial group OTP (OTP Group).
In "OTP Bank" you can get a loan in the amount of 15,000 to 4,000,000 rubles. Rates vary from 10.5% to 14.9%, determined by the bank taking into account the client's risk level. Loan term up to 7 years. Application consideration time is from 15 minutes to 1 working day. There is a paid service "Transfer of the date of payment".
Bank offices in 3,700 localities of the country. In addition to individuals, the bank cooperates with representatives of small and medium-sized businesses, develops credit solutions for corporate clients, and is a reliable partner for financial institutions.

Summary: "OTP Bank" provides lending to corporate clients and individuals, the interest rate is determined individually.

Get a bank loan at a minimum interest

UBRD is the largest bank in Russia offering quality service and simple financial solutions.
The bank offers three types of loan products:
● Credit "Affordable" - up to 200,000 rubles with an interest rate of 11% without certificates and guarantors only with a passport;
● "Open" loan - up to 1,500,000 rubles, rate from 11%, you need a passport and a certificate of income;
● "120 days" - from 30,000 to 299,999 rubles for 3 years. Interest for using a loan is not charged for the first 120 days, after the grace period expires, the rate is 28-31%. For registration you need a passport and a certificate of income.
Commission for maintaining a card account and withdrawing funds. Early repayment is free.

Summary: "UBRD" provides loans for various requests at affordable interest rates.

How to get a consumer loan at a low interest rate?

Start with "your" bank. If you receive a salary on a card, apply for money to the bank that issued this card. You will surely expect reduced interest rates and minimum requirements for the package of documents. For example: standard consumer loan at Alfa-Bank 15.99%. And if you receive a salary on the card, then the interest rate is reduced to 13.99%

To increase your chances of finding the best deals, consider several options. Apply to two to three locations at the same time, find out your individual rate and choose the bank that will offer the most favorable conditions.

Collect documents. Many banks issue loans in cash without a certificate of income, and sometimes just on the passport of a Russian citizen. This is convenient, but if you are counting on low interest rates, try to prove your financial position with some kind of documents. Best of all - a certificate in the 2-NDFL form and a copy of the work book.

Reasons for refusal and how to avoid them

If you have already decided in which bank it is better to take out a cash loan from the proposed list, you should be prepared for a possible refusal. There may be several reasons:

Bad history of past loans. This is both a fully unpaid debt, and an untimely payment. For example, for Post Bank, a delay of 5 days or more is a critical moment.
Sometimes the age of the client can affect the fact that it will be difficult for young people under 21 to take out a small loan. However, there are exceptions to the rule.
Inaccurate data, such as the size of wages, fake certificates or documents.
Appearance can also serve as a reason for refusal, especially being in a state of alcoholic or drug intoxication.
When making a decision, the bank takes into account the costs, and if there are already existing loans, it is worth telling the bank employee about this.
Returning to the topic of wages: it should be twice the possible monthly payment. And this is the minimum.
The bank will not approve a low-interest cash loan if the borrower does not even have a temporary registration where the branch of the financial institution is located.
And you shouldn't discount the fact that the bank may refuse to issue a profitable loan without giving any reason. The application will reach him if the automated system missed it.

It is easy to get a cash loan at low interest rates.

It is enough to fix:

If there is no registration, apply for it. And remember: the longer its validity period, the larger the loan amount, and, accordingly, the more organizations where it is more profitable to take a loan.
If wages are low, you can either find guarantors (wife-husband, brother-sister, cohabitant-cohabitant, and so on), or provide a deposit (apartment, car).
If you have already made a choice in which bank to borrow cash, but you have valid loans, theirs. Some organizations, according to the documents provided, pay off debts, and the person receives the remainder of the approved amount. Others provide to independently close contracts in other banking institutions. And if the documents are submitted within one or three months, loan rates may decrease.

Problems with BKI and several solutions.

The first problem that can prevent a person from getting favorable interest rates on loans is a complete lack of credit history. This happens most often to young people. A financial institution bears great risks, so it is unlikely that it will be possible to get profitable loans even with high wages.
The way out is to issue a couple of small or commercial ones and repay loans without delays. Another option is to apply for a credit card, payments for which are also recorded in the Bureau of Credit Histories (BCH).

Bad credit history is the second problem. You cannot get a loan at a low interest rate in cash. Moreover, it can be damaged both through the fault of the borrower and through the fault of the bank. There are several solutions to the problem:

Bank rates on loans, if a plastic card is issued, are higher, but this is a way out. Due to the so-called grace period, you can, for example, withdraw several tens of thousands of rubles from the card, and put them back 2-3 days before the end of this period.
Before looking for banks that issue consumer loans with a low interest rate, read the agreements if you have already taken out loans. It should indicate the Credit Bureau where your payments will be recorded. It is advisable to apply there in advance, request a report, which will come in .pdf format. Moreover, 2 times in 1 year it can be requested free of charge.

It so happens that, through the fault of the bank, the Bureau is replenished with incorrect information. And here the problem already arises not in which bank it is better to take a loan, but how to fix the history, especially if you are sure that there were no such delays. It's great if you have the checks, but they will only be needed in case of problems with the bank.
The steps are not complicated: an application is submitted on the BCI website indicating personal data (full name, passport), and a description of the situation with the financial organization (when the loan was taken, the number of the contract, whether there were delays (if yes - the number, duration), what mistakes were made ). In 30 days, the Bureau should sort out the situation and send an answer.

There are two main points worth emphasizing. First, take an interest in your story. Secondly, do not fall for the persuasion of fraudsters that for a certain amount they will be able to fix it. This is not true.
The bureau can correct the history only if the borrower writes an application. And only in the case of really admitted factual errors. But the dialogue will already be conducted exclusively between the Bureau and the organization issuing the loan and sending inaccurate data of the borrower.

If your CI is poor, contact your MFI. If you are approved by several microfinance organizations - choose with the best conditions. Banks, when they see a lot of loans in different MFIs, regard this as the presence of financial problems.

In which bank is it better to borrow cash in case of a bad history? Pay attention, for example, to Sovcombank and its Credit Doctor program. It allows you to take an amount for a short period only so that a positive story arrives at the Bureau. Other financial institutions also have such programs.

After examining in which bank what interest on the loan, read reviews about it. Sometimes in the comments there are tips that will help you get a loan profitably.
If the bank, where it is profitable to take a loan, is a salary one, then it is better to apply first to it. As a rule, such organizations reduce the package of documents down to one passport.
If, answering the question, where is it more profitable to take a loan, you have chosen a bank with a deposit opened in it, refuse it. The situation is changing so quickly that a reliable bank may lose its license today already tomorrow. Thus, the payment of the deposit and insurance will not be carried out until the debt is repaid.
When deciding which bank to get a loan from, go to the site, study all the conditions, even those written in small print, and calculate the possible payments at the minimum and maximum rates offered.
Before deciding where it is better to get a loan, in which financial organization, fully calculate all possible situations: loss of job, loss of ability to work, and the like. It is unpleasant when a bank goes to a meeting, especially with a tainted credit history, and the borrower cannot pay off the loan.

It is a normal desire of any person to take out a loan where conditions, rates, interest are more favorable. We hope that the information you have read will help you to do this with the least loss of time.