Various lending programs help borrowers in a variety of life situations. To solve a financial problem, you need to take a loan by contacting one of the banks in Moscow. On the federal portal Vyberu.ru you will find a list of credit institutions where you can get a loan in Moscow. At the moment, there is information about 178 banks providing such services. The total number of programs collected on the site reaches 811.
Bank loans in Moscow differ in terms and requirements for the borrower, so you should carefully study all offers and carefully read the terms of the agreement. The Vyberu.ru website will help you find out all the points of any program and compare suitable options for a number of defining parameters. After that, you will be able to make an informed decision about which loan (for example, consumer) to take and which bank in Moscow to apply for. Submit your application without leaving your home.
How to use credit calculator?
Enter the amount, repayment period and rate into the loan calculator - you will immediately receive a payment schedule and total cost loan product.
How to apply?
If you are planning to take out a loan that you are interested in, find out the bank's decision online. To do this, click "Apply" in the tab of the product you need.
The online application form will require you to provide the following information:
Also choose how you plan to receive money: to an account, card or cash. The bank manager will tell you the answer. If the decision is positive, agree on the time of the visit to the office and the list of documents that will be required to apply for and take out a loan.
How to find a good loan?
Match level interest rate and other conditions of programs of various organizations in order to choose the best option for a targeted or consumer loan. With the help of our portal service, you can determine a profitable program quickly and effortlessly. Use the filter system and set the amount, currency and loan repayment period you need. Click "Select a loan" so that only those offers that match your request remain on the page.
You can choose to sort banking products according to the following criteria:
Use the quick search buttons to sort loans by specific criteria: need for collateral, the ability to get a targeted or personal cash loan, programs for clients with a bad credit history.
In addition, you can rank banks by their reliability - select the top 10, 20, 50 or 100 tab financial institutions. To see all filters, click "Loan Terms".
Hello, friends!
Statistics show that every year the volume of lending to the population in our country is gaining momentum. I hope it's not related to deterioration. financial situation most families, and with an increase in the overall financial literacy and the ability to meet their obligations. But who am I kidding?
I continue to make attempts to acquaint the readers of our blog with the basics of finance and economics. How to get a loan is the topic of another article.
Banks offer various loan products for any purpose and wallet. How to understand this diversity and choose exactly the offer that will not burden family budget decades ahead? What is the first thing you should pay attention to when applying for a loan? Read on for answers to these and some other questions.
First of all, let's figure out what types of loans you can get today at the bank:
The list of loans is not limited to this range, but these are the main types. In addition, there are:
Separately, you can get borrowed money, which provide for a simplified procedure for obtaining a passport. For example, without certificates of income, without official employment.
It is clear that each credit institution has its own requirements, but in general the following picture emerges:
Some banks immediately prescribe minimum income at which the application will be considered. For example, in Alfa-Bank it is 10,000 rubles.
If we are talking about a secured loan, then requirements are added to the standard requirements, for example, to a guarantor or pledged property.
Credit organizations strive to attract as many customers as possible, luring them with loyal requirements for a package of documents. There are advertisements where they offer to quickly get a loan on a passport. But we are literate people and we must understand that a reasonable bank is unlikely to take such a risk. Is it a scam then?
No, it's just that all the risks will be included in the interest rate. With your money, you provide the bank with a solid reward for not bothering to collect the necessary documents.
A loan is received not only for the current needs of individuals, but also for business. For example, when I wrote, I gave a list of documents for entrepreneurs. It differs from the list for individuals.
The list of documents depends on the type of loan received. The simplest list for consumer lending:
The set is much larger if you take a loan secured by property. In this case, documents are added to the list that somehow describe the subject of pledge (certificate of state registration housing, passport vehicle, property valuation report, etc.) Banks even provide a few months after loan approval so that you can put together a complete set.
What does it take to get a loan for the unemployed? No matter how paradoxical the question sounds, banks are ready to work with such citizens as well. Moreover, this category includes everyone who is not officially registered (for example, freelancers, self-employed workers, individuals working for individual entrepreneurs, etc.). Unfortunately, this is a widespread phenomenon in our country.
Under what conditions do banks lend money to people without official work:
Of course, getting a loan for the unemployed is much more difficult. Yes, and lending conditions will be tougher than with documents on income and employment.
The process of applying for a loan becomes easier every year. All banks have websites, many provide the opportunity to fill out an application online to get approval and only then go for money with a package of documents.
How to correctly approach the issue of design? Before starting the application process:
In my opinion, this is the most difficult and responsible stage. Please do not overestimate your strength and financial capabilities. Not all banks provide a loan deferral in case of problems on your part.
The main stages of obtaining a loan:
Often credit organizations write that you can get borrowed money in cash (for example, when consumer lending). But in most cases, it means that a debit card is issued to you, to which money is transferred. You can easily withdraw cash from it if necessary.
This is a very important section of my article, in which I will pay attention to what you need to know in order to properly apply for a loan. What points need to be clarified before signing a loan agreement? Banks do not always point to them, and sometimes they purposefully ignore them.
Here is my personal list of important points:
Despite the high loyalty of banks to borrowers, they often refuse to issue a loan. Banks are not required to explain the reasons for refusal.
But there are obvious points that you can rule out even before applying:
Please note that not only a bad credit history can cause a refusal, but also its complete absence. If you have never taken a loan in your life, then you have no history. And for the bank there is no information about you as a reliable payer.
The answer to the question at the beginning of the article, how to get a loan, at first glance, is simple. But this is only at first glance. Any responsible borrower will miss the flood of promotional sweets that banks diligently feed us. This is not for us. We will set aside a couple of hours to find out what credit institutions hid from us, what they did not agree on, and what they embellished. Then we will give ourselves a couple more days to understand if we need a loan at all. After all, this is how we will act, right?
But the stakes are already higher. Issuance in cash or on a card.
To start, a couple of tips:
If you have a problem with obtaining a certificate confirming income, then it is best to take a cash loan from MTS, Tinkoff or Homecredit, as they issue without certificates - only with a passport or two documents. If you officially work and get a good salary, contact Homecredit - they have the best small percentage. And if you need it quickly, then in the ICD or MTS.
ICD - can be obtained from the age of 18
The main plus is issuance from the age of 18, they can even apply, but a good credit history is required. With a bad one, they can also approve, but only if you have no delinquencies and past debts are closed.
Quickly consider questionnaires in 10-20 minutes, a large percentage approvals and low interest rates. Plus, a minimum set of documents, a Russian passport is enough. But the low rate is only when you connect the insurance service. For the rate already from 13.9%.
Vostochny - a large amount without references
One of the few banks in which even if you have a bad credit history. Of course, no one will give out 15 million, but they approve. And all you need is a passport. For large amounts - they can ask for a second document or confirm income.
Work with individuals and . You can take it for a long time - more overpayment, but monthly payments will be feasible even for a small salary.
Home loan - the smallest percentage for everyone
Homecredit now has the smallest interest, and if you have no problems with a credit history and obtaining a 2-personal income tax certificate, it is best to take a loan here.
An instant decision on an online application - in just a minute you will receive an approval, and you can even go to the bank today to receive cash.
Willingly issue loans to pensioners under 70 years old (it is considered at the time of the end, not the beginning of the loan agreement). As an additional document, you can use:
Raiffeisen - for reliable borrowers
The bank is large, well-known, and can choose with whom to cooperate and whom to refuse. Therefore, the requirements for borrowers are quite stringent. Mandatory experience of 6 months at your current workplace and an income of 25,000 for Moscow and Moscow Region and 15,000 for other regions. Plus, you need to confirm income with a 2-personal income tax certificate.
The smallest percentage is for large amounts from a million for Moscow and 700 thousand for the regions. And with insurance. In case of cancellation of insurance, the rates automatically increase by 4%. But you can apply for a small percentage, and then - according to the law, you can do it in unilaterally within 2 weeks.
Tinkoff - online without visiting the bank at all
The most popular online bank in Russia, which has no branches anywhere except an office in Moscow, offers loans to almost everyone and without waiver of 12% per annum. At the same time, there is a low age threshold, you don’t need anything but a passport, and you don’t even have to go to the bank. A courier brings a card with money to your home or work, and you can withdraw it at any ATM. Including in Tinkoff - now there are enough of them in any city.
They approve almost without refusal and work with students, people who do not have a formal job, or those who cannot prove their income in any way, as well as with legal entities and IP.
Gazprombank - without refusal with a good CI
The largest set of papers: in addition to the passport, you need a second additional one, confirming the identity of the borrower, as well as a 2-personal income tax certificate or in the form of a bank confirming income sufficient to pay a monthly payment. But if there are no problems with this, and the story is good, then up to 96% of all submitted questionnaires are approved. They are considered in 10 minutes, so you won’t have to wait long for a decision.
Sometimes they require a copy of the labor, for example, if you are requesting a large amount. They check the CI, so you should not deal with delinquencies and debts. You can repay, as in other banks, ahead of schedule. There are no pennies or penalties for this, the interest will be recalculated based on the real term of the loan.
MTS - express loans close to home
In MTS, everything is convenient, simple and affordable, especially if you need a not too large one. In this case, you can just leave online application on the site, and then come to receive a loan at the nearest office of the company. True, the rates for such express loans are from 15.9%, but they are willing to give out, and this is much less than in microloans.
If you want profitable reduced rate, you will have to prepare not only a passport, but also SNILS or any second document of your choice, as well as a certificate of income.
They are most willing to lend to their salary and premium clients aged 27 to 55 years.
Dealt with banks Best offer in Homecredit - issuance of up to 40,000, but only for 7 days. No interest if paid on time.
JavaScript must be enabled in your browser settings for the survey to work.
List of banks where you can actually get a loan without certificates, guarantors and collateral: the most loyal banks to get consumer credit and credit card.
If all banks refuse loans due to bad credit history, get credit card it might be easier. Banks are more tolerant of bad CI when issuing credit cards, but the amount of the limit will be low. Additionally helps in obtaining approval of the opening debit card or accounts.
Credit Tinkoff card Jar:
Tinkoff cash loan:
You can also apply for a credit card at Renaissance Credit Bank:
Only if you are not a sole trader and you have not been overdue for more than 90 days:
Vostochny also offers to issue a credit card 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 you had delays before.
In Home Credit, it is easiest to get a loan up to 100,000 rubles, but you must have official place of work and the total experience of at least a year + there should not be large delays.
Home Credit Bank (HKF Bank) also issues a credit card with an interest-free period of 51 days and installments up to 1 year:
To obtain a credit card, a Russian passport is enough.
It is important that the bank issues a loan only by passport and immediately, but you should not have open delinquency in other banks and delinquency for more than 30 days in the past! Also, your work experience at the last place of work should be from 3 months, the total work experience - from 12 months.
If you need a credit card without an income statement, then UBRD issues cards with interest-free period of 120 days, which applies to cash withdrawals and purchases.
You can take a loan without certificates and guarantors even without official work, but this can not be done in every bank. There are banks that are more loyal to such customers than others, but you have to pay for this opportunity with higher interest rates.
To obtain a loan or a card in the presented banks, you must 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.
Credit history is the main condition for issuing a loan, but the bank's decision is also influenced by:
The bank can give you a loan, even if you had delays, but you should not have problems on the above points. Otherwise, the most you can count on is refinancing your loans or a credit history improvement program. If banks do not give you a loan, take a long-term loan from an MFI, the rates on such loans are much lower than “before salary”, and there are more chances to get money from an MFI than from a bank.
It is a myth! Absolutely all banks check credit history, but there are nuances.
Part 3.1 of Article 5 of Federal Law No. 218-FZ dated December 30, 2004 “On Credit Histories” obliges each bank to cooperate with at least one credit history bureau (CBI) for the mutual exchange of information about borrowers. Before approving a loan, the bank must evaluate the borrower for the 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" among different bureaus. This means that the lender may not receive information not only about delays, but also about repaid loans, which positively characterize the client.
The bank may indicate on its official website which CBIs it cooperates with. But we do not recommend abusing this, as banks comprehensively evaluate customers. 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.
Credit card "100 days without%" with a limit of up to 500,000 rubles is now one of the most popular products. For customers with zero credit history or past due delinquencies, it is advisable to indicate in the application the amount of the limit no more than 30,000 rubles, in the future, in the absence of delays on the card, the limit can be increased. The card is also suitable for refinancing other loans, the rate on it is from 11.99% per annum after interest free period. You can withdraw up to 50,000 rubles per month from the card and also without interest for 100 days.
The card is issued to persons over 18 years of age. Card service costs from 590 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 old and current work experience of at least 6 months.
The loan rate at Otkritie Bank starts from 10.5% per annum with insurance, from 12.9% without. But the first year the rate is the same 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 old, work experience - from 3 months, general - from a year, while there should not be an individual entrepreneur.
Otkritie also has a credit card with an interest-free period of 55 days, then 19.9% per annum. The limit on the card 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 Raffeisenbank, you can easily get a loan of 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 condition: without certificates at Raffeisenbank, you can get up to 300 thousand rubles.
Raffeisenbank also has a credit card for 110 days without interest, from which you can withdraw cash without commission for up to 2 months. The limit on the card is 600 thousand rubles. The cost of maintenance 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 old, work from 6 months with an income of 15,000 rubles (for Moscow 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 these are customers with an impeccable credit history. The easiest way is to get a loan up to 50 thousand rubles and for a shorter period. The rate is from 8.9% to 25.9% per annum.
Requirements for the borrower: age from 27 years old, employment, in addition to the passport, you need SNILS, a visa or a passport.
MTS Bank has an exclusive offer: a credit card with a fixed payment. You pay 30 rubles a 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 repay, 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, persons over 27 years old can apply for it.
Rosbank offers loans with 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. The offer is not yet available in other regions.
Differences loan in SBI, it's a low rate from 13.5% to 15% per annum despite the fact that insurance is not needed. You can borrow from 100 thousand to 3,000,000 rubles for 1-5 years. Borrower must be between 21 and 65 years of age permanent place work for at least 4 months.
The bank is loyal to delays if they were no more than a month. No guarantors, no collateral, no commissions - the bank does not require any of this. The loan is issued without a visit to the bank.
But you may need to confirm 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.
Banks charge interest for the use of credit in the amount established loan agreement, but within 365% per annum. You have the right to repay the loan ahead of schedule without charging fees.
If a delay in the monthly payment is allowed within the period established by the agreement, the bank charges a penalty in the amount of up to 0.05% per day (up to 20% per annum) of the amount of the overdue debt. The lender may charge a one-time late payment penalty.
Delays lead to an increase in debt, long delays negatively affect your credit history.
The rules for calculating interest and penalties are applied in accordance with federal law No. 151-FZ of July 2, 2010.
The following information can help you get a loan from a bank without refusal. You will learn how to fill out an application correctly and to whom banks never refuse loans.
We will immediately warn you that if you have current delinquencies on other loans, then it will be quite problematic to get a loan from most banks. This is especially true for loans with a delay of 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 in the MFI.
There are banks that are more loyal than others to small delays 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 a bad credit history, 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.
You can increase your chances of getting a loan or card approved if the bank you are going to borrow money from pre-open an account or debit card. You need to use a card or account: receive money on them or replenish it yourself, make purchases. You need to use it for at least a month. There are high chances that the bank will offer you a loan or a credit card.
To whom banks never refuse loans? Portrait of an ideal borrower.
The best age to get a loan approved is 23-65 years old. Even if the conditions indicate the minimum age of 18 years, the most desirable borrowers are people over 23 years old (younger people can get a loan, but they need more certificates and a stable income). In some banks, the minimum threshold may be higher.
You don't have to be looked for by bailiffs. Or at least the amount of your debts under the FSSP should not be more than 10 thousand rubles, and this does not depend on debts on loans or fines, for example, the traffic police.
There are no traffic police fines and other administrative offenses.
A large number of offenses often become a denial of credit. Pay the fines and only then submit the application.
There are no long-term debts for utilities.
No child support debt. Banks and not only they really do not like "alimony".
Your passport must be valid and not wanted.
You have no status individual entrepreneur(IP).
Very often, banks refuse clients with individual entrepreneurs. In this case, you need to look for banks that give loans to individual entrepreneurs or lend 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 - the employer (or at least a relative, friend).
You have no more than 4 active loans.
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 of 500,000 rubles, you apply for a loan for 600,000 rubles, of which 500,000 will go to refinancing, and 100,000 will be your money. As a result, you have money and only one loan, and with a lower rate.
total amount monthly payments on the current and 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 debts to MFIs.
At the time of applying for a loan at the bank, you must have closed all microloans.
You were not bankrupt.
If you went through the bankruptcy procedure, then you will not be given a loan without collateral and guarantors.
No convictions.
You can not have a criminal record, especially for articles related to fraud in the financial sector.
You have no more than 2 children.
A large number of children, especially with a low income, can be a reason for refusal.
Even with imperfect credit history, the chances of getting a loan are greater if you fill out the application honestly. Lies in the application - a minus in the credit history! There are more chances to get a loan or a card in banks where you have already been a client (made transfers/payments, received salaries, had or have a debit card, repaid the loan in full). Eliminate banks in which you had delays. This material presents banks that generally have a high percentage of approvals.
Can. There is only one way to fix your credit history - pay off loans and take new ones! If you have had delays in the past, you can get a credit card and actively use it. Later, the bank itself will offer to increase the limit on the card or offer a consumer loan.
Keep in mind that fixing your credit history is a long process. It will take at least a year to pump your CI.
Beware of scammers offering to delete or edit your credit history. It is impossible to do this, since it is stored in the protected databases of various Credit Bureaus, which are controlled by the Bank of Russia.
A list of banks where it is easy to get a loan with a bad credit history without references and guarantors only by passport. Tips for getting loan approval
In which banks can I get a loan without a certificate of income? Today, banks impose quite serious requirements on borrowers, since they must insure themselves not only against non-return Money, but also comply with the requirements for the level of the debt burden indicator (PTI, the ratio of income and the amount of monthly payments for all loans), which was introduced at the end of 2019 in order to reduce the debt load of Russians. The lower the PTI, the more likely you are to get a loan. PDN should not be more than 50% (preferably) in order to be approved.
In order to minimize risks, banks began to more carefully check the client's income, but also more often refuse loans. If you want to get guaranteed money, prepare proof of your income: income statements, employment contracts, acts, debit card statements, and other documents that confirm that you have something to pay for the loan.
In the same time some banks are loyal credit policy towards borrowers. In such banks, you can take a loan without a certificate of income, as well as collateral and guarantors. You can get money even with a bad credit history, but you have to pay higher interest rates for such bank loyalty.
Note that with bad credit it is easier to get a credit card than a personal loan. To apply for a card, you only need a passport of a citizen of the Russian Federation. To approve a loan with a damaged CI, the bank will most likely require a source of income (this can be a confirmation by phone, an extract from a debit card, income from renting an apartment or any other regular source of income). Borrower must be at least 21 years of age.
It should be understood that there is no 100% approval in any bank! But there are loyal banks for loans and cards that have a high percentage of approval:
our choice! - a bank where you can get a loan without certificates and guarantors, even with a bad credit history, but you have to pay more for it a high percentage on a loan - from 15% from 9.9% per annum.
Also, Renaissance Credit Bank can issue a free credit card with a credit limit of up to 200 thousand rubles at 24.9% per annum and interest-free period of 55 days. The card is issued to persons over 24 years of age with at least 3 months of experience at the last place of work.
The chances of getting a Renaissance Bank credit card for people with a bad credit history are more than a regular loan, however, a fee of 2.9% is charged for cash withdrawals from the card, and the interest rate may be higher (but not more than 36.9% per annum).
our choice! Bank Tinkoff- Another bank where you can get a loan on a passport and without references. It should be noted right away that the loan bank Tinkoff can be taken in two versions:
Tinkoff works with clients with a problematic credit history, but in this case, when applying for a consumer loan, you should be prepared for an increased loan rate of up to 28.9%. However, Tinkoff is quite popular among potential borrowers, looking for banks where it is easy to get a loan with a bad credit history.
– issues cash loans as quickly as possible for up to 5 years, the maximum loan amount is 750 thousand rubles. It is also worth noting very attractive interest rates - from 21.9% 10.5% to 38.4% per annum, which is less than in most other banks that issue loans only on a passport without collateral and guarantors.
It is worth adding that a loan from OTP Bank can be obtained even if the borrower currently has overdue loans from other banks. At the same time, to obtain a loan, you must have a permanent source of income.
our choice! issues a cash loan without certificates and guarantors (it is enough to fill out a certificate in the form of a bank yourself) to persons from 26 to 76 years old. However, the borrower must have worked at least 12 months at the last job. Rate - from 11.5% per annum, loan amount - from 25 thousand to 1 million rubles (on average, the bank approves without refusal 50 thousand rubles), term - 1-5 years.
The bank also has a line of credit cards only by passport, but credit limit in case of delays in the past, it will be small: 15-50 thousand rubles, and the rate is not less than 29.9% per annum.
Has a good offer for borrowers, who have no current arrears and they can verify their income. The rate on such a loan is 9.9-25.5% per annum, the amount is up to 1.3 million rubles, the term is up to 5 years. The age of the borrower must be from 23 to 70 years, the length of service at the current place of work - from 3 months.
our choice! - It has a large number of lending programs, the maximum loan amount reaches 30 million rubles. Sovcombank issues loans at a rate of 11.9% per annum. But for the minimum rate, you will at least have to provide the bank with a 2-NDFL certificate, otherwise the rate will be higher. The age of the borrower in all cases must be at least 20 years.
Stock! If you are over 35 years old, you actively use it, your interest rate on a loan at Sovcombank will be 0% per annum! You pay the loan according to the schedule, but at the end of the term, the bank returns the interest paid.
(only clients with a common work experience from 1 year and official work) - the credit history of each client by this bank is considered in individually. Despite the fact that Promsvyazbank requires customers to provide complete list documents (except for a passport, a 2-NDFL certificate and a copy of the work book), given bank borrowers are noted as loyal in lending.
The bank offers a large loan amount (up to 3 million rubles), which is more than in a number of other banks from this list, and at a relatively attractive interest rate - from 23.9% 13.9%, without insurance or 9.9% - with it . Moreover, every year the bank reduces the rate to borrowers who do not make delays, then the loan rate can drop to 6.9% per annum!
It should be noted that Promsvyazbank has strict requirements for the minimum age of the borrower - at least 23 years.
Home Credit Bank - here you can instantly get a passport without references if you are from 22 to 70 years old. The bank can issue a loan up to 100 thousand rubles for up to 7 years, but the interest rate here can reach up to 24.8% per annum (minimum 7.9%). It should be noted that the bank may require the borrower to have home phone, the number of which must be registered to him, the borrower must have permanent job with 3 months experience. Home Credit Bank is one of the most popular banks that are loyal to bad credit history with delays of no more than 30 days, but if you have a lot operating loans and big delays, no chance.
Attention! Only for borrowers without current delinquencies: The Ural Bank for Reconstruction and Development (UBRD) offers an express loan in the amount of 50 to 200 thousand rubles at 26% per annum for up to 7 years. If there are no delays, the rate may be reduced. To get such a loan All you need is a passport and 15 minutes of free time. A 2-NDFL certificate is not needed, but the bank may require you to confirm your place of work (at least three months at your current place and at least a year in total experience).
The bank also has a free credit card with interest-free period of 120 days even for cash withdrawals! But you can withdraw cash from the card only with a commission of 4.99%, but not less than 500 rubles. The credit limit when issuing a card without certificates is up to 100 thousand rubles.
Also today, Russian Standard offers to issue a credit card with an interest-free period of 55 days and interest-free cash withdrawals from all ATMs. Credit limit - 50-75 thousand rubles, the rate - from 21.9% per annum. Get this card often easier than a loan and your income shouldn't be more 50 thousand rubles a month.
To those who did not take loans over the past 5 years, you can try to send a loan application to. The bank offers a cash loan from 50 thousand rubles, and, most likely, this will be the maximum amount that the bank will offer you if it approves the issue. The loan rate ranges from 13.5% 8.99-15.99% per annum, but you should not hope for a minimum rate. It is highly recommended to confirm your monthly income, although the online application permits not to do so.
If you need up to 100 thousand rubles, then it is somewhat easier to issue a credit card. The rate for cash withdrawals is from 31.4% per annum, but for purchases 120 days without interest. From the documents you need only a passport, and you will find out the decision immediately online.
if you have not had any delays in the last 90 days, you can try to get a loan of 20-50 thousand rubles, but you definitely shouldn’t count on an amount more with a problematic CI. There are chances if you fill out with authorization through the State Services portal. The loan rate is not small, and can be 25.9% per annum.
Your age must be 27-55 years old, and you must have a job with at least 3 months of experience. In addition to the passport, you need a second document to choose from (SNILS, driver's license, passport).
The card is also very popular among MTS Bank customers. More chances to get this card since the credit limit for it is only 20 thousand rubles, but also must not be past due for the last 3 months. In the process of using the card, the limit can be increased to 150 thousand rubles.
The highlight of the card is that instead of interest, there is a fixed payment of 30 rubles per day, and it is charged only if you withdraw credit money from the card or make purchases. The fee stops being charged after you pay off the debt. The card is valid for 3 years.
Card issuance is paid - 299 rubles, but pay only 1 time (this amount will be debited from the card). No more commissions! Not even a cash withdrawal fee!
Requirements for the borrower are the same as for a loan.
Gazprombank is loyal to delinquencies on loans, but only if you have no current delinquencies today, that is, there were delays, but you repaid them. In addition, such delays should not be longer than a month and more than 10 thousand rubles.
You can get from 50 thousand to 3 million rubles at 7.5-17.5% per annum for up to 5 years. There is an opportunity for people aged 20-70 with an income or pension of 30 thousand rubles a month, but without a personal business. The minimum work experience is 1 year, and at the current place - six months.
In Zenit Bank, without certificates, only by passport, you can get from 50 to 100 thousand rubles for up to 5 years at 11.9-21.9% per annum. Payroll customers of the bank can do this at 9.9% per annum. With certificates, the maximum amount rises to 3 million rubles.
Zenith is loyal to delays up to 60 days, which were not less than 180 days before the application was submitted. You can get a loan even with 5 existing loans.
If there were delays before, then you should not count on the minimum rate, focus on 21.9% per annum. But if you are a military man/silovik, then the rate can be 19.9% per annum.
To get a loan from this bank, you must have not less than 25 and not more than 54 years old, experience at the current place of work should be from 4 months, total - from 1 year.
Alfa-Bank credit card with an interest-free period of 100 days is one of the most popular products in Russia! Popularity is due to interest-free period is also valid for cash withdrawals up to 50 thousand rubles per month, there is no commission for withdrawal either. The interest rate for overdue interest-free period will be from 11.99% per annum.
Highest chance of getting approved with the requested limit up to 30 thousand rubles! The card is issued to persons over 18 years of age with an official place of work and an income of at least 5 thousand rubles per month.
Card service is paid - from 590 rubles per year.
ROSGOSSTRAKH Bank - here you can get a loan only with a passport + international passport, military ID or official ID. The loan term is up to 5 years, and the amount is from 50 thousand to 500 thousand rubles. At the same time, the age of the borrower can be only 18 years old, but for men under 27 years old, a military ID may be required.
However, a loyal attitude towards borrowers, including issuance without insurance, the bank compensates for the increased credit rate up to 19.5% per annum. It takes 15 minutes to get approval from this bank after submitting an online application.
You can get a loan or a card even without Russian citizenship (non-residents)!
Citibank offers loan processing in Moscow and Moscow Region, St. Petersburg and Leningrad Region, Sverdlovsk region in the amount of 100 thousand to 2.5 million rubles at a rate of 9.9% per annum. We recommend focusing on the real rate of 15% per annum.
However, the bank has a very important condition: a salary of 45 thousand rubles! In addition, the length of service at the current place of work must be at least 3 months, age - 22-60 years.
You can also get a credit card from Citibank with free service and cash withdrawals. The rate is 20.9% -32.9% per annum with a limit of 15-300 thousand rubles, interest-free period - 120 days, including for withdrawal. To obtain a card, the requirements are the same as for a loan, but a little more loyal to income - from 30 thousand rubles a month.
When using Public Services, approval is also higher.
Before applying for loans, be sure to follow these guidelines:
Today, a decision on a loan is made automatically, it takes several minutes. But in some cases, especially if you have a bad credit history, you may need to go through an interview with a bank employee. However, you should not be seriously afraid of any difficulties during the passage of this procedure, behave calmly. If you are trying to take a loan with open delinquencies, do not hide them from the employee, he already knows about them and expects the truth from you, this is a frequent check. In no case do not ask an employee for loan approval, for this you will receive a refusal!
If you need a loan to pay off other loans, a number of banks offer special programs to reduce interest rates and combine several loans into one.
