Get a loan for consumer needs. Online loan. Banks practicing lending to clients with open delinquencies

Who will wait a few days if you can get cash right on the day you apply? Only those who are in no hurry. And if the money was needed urgently, and in general were needed yesterday, then what to do? Contact banks, which quickly make a decision on the application and issue urgent loans day in and day out. Some in general, and guarantors and even. Well, if you are ready to bring 2-NDFL and some second one that confirms your identity, then all the doors are open for you and the minimum interest on loans is available.

Banks, which quickly issue a loan on the same day

The most profitable quick loan is issued by Gazprombank from 7.5% and Homecredit - from 7.9%, and even the decision in just 1 minute. Competitors MKB, Renaissance and Vostochny are slightly behind - less than 10% per annum. Conveniently, close to your home and right on the day you apply, arrange express loans at MTS. In the same place, in MKB and Vostochny, they lend only according to a passport (there is a limit on the maximum amount), and in the latter they also approve applications with spoiled history. With a good CI, contact Gazprombank or OTP. And if the problems are so serious that the banks have already been denied several times, then you can instantly get money at E-Cabbage and MoneyMan, and if you apply for the first time, then also at 0%.

Banks issuing cash on the day of circulation

Little data? Read on for a more detailed overview of banks you should apply for an urgent loan.

Homecredit - decision on the application in 1 minute

• Amount: From 10,000 to 1,000,000;
• Term: 1 to 5 years;
• Interest rate: From 7.9%;
• Age: 22-64 years old;
• Documents: 2 documents.
• Solution: in 1 minute.

The main plus is that they open consumer loans with an instant solution in just 1 minute. You do not need income certificates and most often they issue urgent consumer loans in general only according to the passport of the Russian Federation. But they may ask an additional one - take SNILS, everyone has it, and this will be enough.

Do not forget to provide reliable data on work and salary, although certificates are not needed, it is important for the bank to know that you are a reliable borrower and will be able to pay off interest on time. They do not cooperate with the unemployed, they refuse with delays.

Gazprombank - fast with good CI

• Amount: From 50,000 to 3,000,000;
• Term: 2-7 years;
• Rate: from 7.5%;
• Age: 20-70 years old;
• Documents: passport, additional + 2-NDFL certificate;
• Solution: in 1-2 hours.

It is worth applying if you have a permanent job with a total experience of at least 1 year, and at least 6 months at your current job, as well as a good credit history. With poor CI or no work - you will get rejected, so it's better not to waste time right away.

A certificate confirming income is required, and any additional document of your choice confirming your identity. But cash can be collected right on the day of your request, if you send the questionnaire before lunch.

Eastern - for loans with a bad history

• Amount: From 25,000 to 15,000,000 .;
• Term: 1 - 20 years;
• Interest rate: From 9.9%;
• Age: from 24 years old;
• Documents: only passport.
• Solution: in 1 hour.

Vostochny cooperates not only with reliable borrowers, but also with problem clients. Willingly lends and, women, unemployed and. He also does not refuse those who have not very good CI, the main thing is that there are no current delays and large debts in the past.

It is not worth counting on 15 million, but the loan is issued without confirmation of income.

ICD - on the same day according to the passport

• Amount: From 750,000 to 5,000,000;
• Term: 1 - 5 years;
• Interest rate: From 9.9%;
• Age: from 18 years old;
• Documents: passport.
• Solution: in 1 hour.

The main advantage of the bank is that there is no need to collect a pile of unnecessary papers. To obtain an urgent loan, you only need a Russian passport. You send the questionnaire, within an hour you receive a response from the bank, and in case of a positive decision, you can go to the nearest office for money.

Renaissance - a small loan in 30 minutes

• Amount: From 30,000 to 700,000;
• Term: 2-5 years;
• Rate: from 9.9%;
• Age: 24-70 years old;
• Documents: passport (over 200,000 - income statement);
• Solution: in 20-40 minutes.

OTP - quick decision on the application

• Amount: Up to 1,000,000;
• Term: 1-5 years;
• Interest rate: From 10.5%;
• Age: 23-65 years old;
• Documents: Russian passport + 2-NDFL certificate.
• Solution: in 5-15 minutes.

They consider applications almost instantly, and are ready to issue cash on the day of contact, if you don’t forget to grab a full set of documents. You will need a passport, TIN of the company where you work, and a certificate confirming income. For reliability, we advise you to take another SNILS. Experience from 3 months.

The minimum interest is 10.5% - only for a loan from 300,000, less - from 14.5%.

Cooperate with individual entrepreneurs - in this case, additionally bring with you a certificate of registration of the individual entrepreneur and a copy of the tax return to confirm the income. Low interest rates on consumer loans are available to all reliable borrowers with a good track record.

Alfabank - low interest cash

• Amount: From 50,000 to 5,000,000;
• Term: 1 - 7 years;
• Interest rate: From 8.8%;
• Age: 21-65 years old;
• Documents: passport, 2 additional + 2-NFDL.
• Solution: in 15 minutes.

The minimum interest is offered to salary clients and reliable borrowers. For the rest, the rate is determined individually. Required current experience of 6 months and a salary of 10,000 rubles (require confirmation of income in the form of a bank or standard 2-NFDL).

The set of papers is the largest, in addition to a passport and 2-NDFL, two more documents are needed. You can bring a TIN or an insurance policy or others from the list on the bank's website.

MTS - express loans near the house

• Amount: From 20,000 to 1,000,000;
• Term: 1-5 years;
• Rate: from 10.5%;
• Age: 20-70 years old;
• Documents: Russian passport + SNILS;
• Solution: in 10 minutes.

Minimum 10.5% per annum - for salary clients or those who were not too lazy to bring a 2-NDFL certificate. Without it, the rates are from 15.9% and the limit is up to 200,000. But if this is enough for you, but you need a loan right on the day of the day - send a questionnaire, get an answer in 10 minutes and go to the nearest MTS office, which are enough in any city, and can be found near home or work.

Ways to get a loan as soon as possible

1. Prepare all documents in advance... It can be very upsetting when you sent an application, received approval and are already in a hurry to the bank for money, and not the place it turns out that you do not have a copy of your work or you did not take a second document confirming your identity. Or they took it, but it does not fit, since the bank has an approved list of those that you did not have. Study in advance what papers and their copies you need to provide to the bank, and do not forget to take them with you.
2. Provide reliable data... A one-letter mistake in the last name or the name of the organization you work for may cost you not only a refusal in this company, but a damaged CI. And an obvious lie with wages, length of service or place of work guarantees the rejection of the application form and the submission of data on the unscrupulous borrower to the CRI. There are few banks, so you shouldn't cheat and embellish.
3. Submit your application early in the morning... Everything is simple here, the sooner you send your questionnaire, the faster the manager will check it and give a decision on the application. This means that the sooner you can go to the bank to sign an agreement and receive a consumer loan. Many work until 17:00, by sending a questionnaire after lunch you risk not having time to pick up cash on the day of your request.
4. First of all - to your bank... The fastest way is to check a client with whom you have been working for a long time. The easiest way is to borrow from a salary bank - there are usually more loyal conditions, and, and income certificates are not required, a passport is enough. You can also go to where you have a credit / debit card or deposit opened.

Even if a complete set of documents, contacting your bank and current data about yourself did not help you, and you were refused by 2-3 banks, and you still need money yesterday, there is an extreme option. Contact the MFI. They are loyal to bad history and are more willing to lend even to problem borrowers.

3 microloans that can be instantly received on the card

Difficulties with a bank loan, no official job or an opportunity to get a certificate of income? Bad credit and the bank is always denied? Or do you just need a small amount? Contact the MFOs that issue new clients - there are now a lot of them, if you apply to different ones every time, you don't have to pay interest. Most importantly, do not forget to pay off your debt on time. By the way, this is also a good way.

E-cabbage - round-the-clock loans from 0% per day

• Amount: Up to 30,000;
• Term: From 7 to 21 days;
• Rate: 0% for new customers, then up to 0.99% per day;
• Age: from 18 years old;
• Documents: Passport of the Russian Federation.

What MFIs are comfortable with is that you need to take a minimum of steps to open an urgent loan. Fill out a short form on the website, indicate your data, and the money will already be on your card. Cash can be received on a debit or credit card, Yandex money or by transferring the Golden Crown or Contact. In the latter case, however, you still have to leave the house and walk to the company's office to pick up the cash.

• Amount: From 300 to 15,000;
• Term: 7 to 30 days;
• Rate: 1% per day;
• Age: 21-65 years old;
• Documents: only passport.

Loans are issued around the clock in automatic mode using a scoring program. If everything is relatively fine with your credit history and you have provided reliable data, money can be received even at 3 am on the card literally 1-3 minutes after filling out the application. No inquiries required.

If there are no problems with the official salary, income level and CI, you can apply for cash to any bank. Better in the one with the lowest interest on loans, so as not to overpay too much. The minimum rate is usually available only to a limited circle of reliable borrowers, payroll clients and loans. But we have collected a review of 10 banks with the lowest interest rates.

To be guaranteed to get the lowest interest on, first contact the bank where you receive your salary. If the conditions there are not very pleasant, then one of the list below. Read more at the end of the article for more tips on how to lower the interest rate.

Banks for a loan at the lowest interest rate

February 2020

The minimum interest is currently offered by Gazprombank and Homecredit. A little more Sovcombank, but they have a campaign “ Everything is under 0!"- the bank returns the previously paid interest on the loan, if you have issued and are using their" Halva "card. All the rest have the lowest rates from 9% to 10%, but they are not offered to everyone.

ATB, Vostochny, Otkritie, Promsvyazbank and MKB draw up only 1 document each without income certificates and guarantors. With a spoiled CI, you can contact the Renaissance and Vostochny, they are loyal to problem borrowers, and with a good one - in any of the table above. Without an official job, apply to Vostochny, MKB or Otkrytie.

Read on for a more detailed overview of each of these loan offers below.

Homecredit - the most profitable loan in 1 minute

• Amount: From 10,000 to 1,000,000 rubles;
• Term: 1-5 years;
• Rate: From 7.9%;
• Age: 22-64 years old;
• Documents: 2 identity documents, you can ask for a certificate of income.

Sometimes they may ask for a second identity document. You can take a driver's license, a medical policy or SNILS, which everyone has for sure. If there are doubts about the borrower, they also ask for a certificate of income. But in the case of work with long experience and high salaries, this is not necessary.

Instant solution in 1 minute - you can get cash.

The loan term is a multiple of 1 year, you can apply from 22 to 64 years. They even lend, in this case, do not forget to bring your pension certificate. With delays, bad history and lack of official work, you will most likely get rejected.

Sovcombank - loan with interest refund

• Amount: Up to 100,000 rubles;
• Term: 1 year;
• Rate: from 8.9%;
• Age: 20-85 years old;
• Documents: passport, 2nd additional + 2-NDFL.

It offers a low interest rate of 8.9% on its loans, but issues only a small amount of up to 100,000 rubles and only for 12 months. If you have enough, you can apply, the main thing is that there are no delinquencies and large debts earlier.

Do you want not only to get a consumer loan at a low rate of 8.9% per annum, but also to use it for free? In addition, issue a free installment card at Sovcombank, pay it in stores, and the bank will return you interest on the loan every month.

The application can be considered up to 5 days, so if you need it urgently, please contact other organizations.

ATB - low rate on a loan with an experience of 1 month

• Amount: Up to 700,000;
• Term: 1-5 years;
• Rate: From 9%;
• Age: 23-65 years old;

ATB has the lowest interest rates on an express cash loan, which can be issued only with a passport in Moscow, Siberia, the Far East and beyond. Rates from 9% per annum. And simple requirements for experience - from 1 month. Issued, here the requirements are already - from 6 months after registration.

Approval in 1 day, you can get it today if you have time to send it to the bank before lunch. Issuance of money for any needs, no income is required.

Gazprombank - loans at a low interest rate to borrowers with good CI

• Amount: Up to 3,000,000;
• Term: Up to 7 years;
• Rate: From 7.5%;
• Age: 20-70 years old;
• Documents: passport, 2nd of your choice + proof of income.

Apply only if you have a good CI and an official job with at least six months of experience in the last job, and in general from 1 year. On the other hand, they are ready to offer their lowest interest rate of 7.5% not only to salary clients, but also to all reliable borrowers who meet the conditions.

It is mandatory to confirm income, you can not only 2-NDFL, but also in the form of a bank. If you wish, you can repay it ahead of schedule without fines and penalties. Interest will be recalculated based on the actual period of use of borrowed funds.

Rosbank - profitable loans and refinancing with a reduced loan rate

• Amount: From 50,000 to 2,000,000 .;
• Term: 1-5 years;
• Rate: From 9.9%;
• Age: 24-65 years old;
• Documents: passport + 2-NDFL or a certificate in the form of a bank.

In Rosbank, you can not only get a good rate on a new one, but also make it at the same low rate of 9.9% per annum. True, the most favorable conditions are provided only for those who receive a salary on the card of this bank or work in one of its partner companies (look for the list on the official website). For the rest, it is traditionally calculated individually - it depends on the credit history, documents provided, length of service and the level of confirmed income.

If you are too lazy to receive a certificate, then there is the possibility of confirming income through the State Service website. If you request more than 400,00 rubles, you will also need a copy of your work book certified by the employer.

Opening - a loan with low interest on 1 document

• Amount: From 50,000 to 5,000,000;
• Term: From 1 to 5 years;
• Rate: From 8.5%;
• Age: 21-68 years old;
• Documents: Russian passport (sometimes 2-NDFL, copy of labor and additional documents).

Otkritie is ready to lend to just one document, without forcing to collect a bunch of additional papers and waste time on issuing certificates. But at the same time, the minimum lending rate of 8.5% is available to all who have proven themselves well earlier in this or other banks, and are ready to issue 2-NDFL and bring additional papers.

We advise you to take your foreign passport with you if it contains marks for the last 12 months, as well as papers for a car or apartment, if they are in your property. In this case, loans are usually even if you do not have the most crystal clear CI.

MKB - obtaining a loan only with a passport with a small percentage

• Amount: From 750,000 to 5,000,000;
• Term: 1-5 years;
• Rate: From 9.9%;
• Age: from 18 years old;
• Documents: only Russian passport.

Our favorite MKB is an almost trouble-free bank for all categories of borrowers, which only asks for a passport during registration, but at the same time offers a very small percentage of 9.9% per annum. One of the few is ready to lend money immediately from the age of majority.

The decision on the application is made in less than 1 hour. We filled out a questionnaire in the morning, after lunch you can already come to receive money. Issued on the day of application.

There are credit holidays - the first 3 months you can pay reduced payments if you find it difficult to pay off in large amounts. They make out, but if you are, then the rate is automatically increased.

Vostochny - issuing loans even with a bad history

• Amount: Up to 3,000,000;
• Term: Up to 20 years;
• Rate: From 9.9%;
• Age: 24-65 years old;
• Documents: issuance by passport.

The most loyal to spoiled CI among Russian banks. She even approves of those who have had large debts and delays in the past. If only there were no current ones. True, no one will give 15 million to problem borrowers, but a loan of up to 500,000 rubles will be issued without certificates and at a low interest rate for only 1 document.

Ideal for those who need cash today, at a low interest rate and only with a passport.

Promsvyazbank - loans at low interest rates for employees of reliable companies

• Amount: From 100,000 to 3,000,000;
• Term: From 1 to 12 years;
• Rate: From 9.9% to 14.9%;
• Age: 21-70 years old;
• Documents: Russian passport.

In Promsvyazbank even the maximum rate is lower than in other companies offer the minimum. If even 14.9% per annum suits you, you can safely apply. True, here they approve loans only to employees of the bank's partner companies, the list of which can be found on the website or clarified by phone. The rest are denied. But if you happen to be one of those lucky ones, they will not ask you anything but a passport.

Even if you did not find a list of companies, you can apply and try to get approval.

Renaissance - a loan without refusal to problem borrowers

• Amount: up to 700,000;
• Term: 2-5 years;
• Rate: from 9.9%;
• Age: 24-70 years old;
• Documents: passport + second additional to choose from.

Renaissance is another company that, along with Vostochny Express Bank, willingly cooperates with problem clients. They give loans to pensioners, individual entrepreneurs, and other categories of the population who find it difficult to prove their income.

Indicate the requested amount in the questionnaire - in this case, registration without certificates is only for a Russian passport.

Do not forget to bring any additional document to the office - policy, TIN, license or SNILS. There are requirements for seniority - from 3 months, and wages - from 12,000 in Moscow and Moscow region and from 8,000 in other regions.

4 conditions for obtaining the lowest interest rate on a loan

And finally, a few conditions for guaranteed receipt of a profitable loan. If you meet them, you can contact any bank you like. You will not be refused and a good individual offer will be made.

1. Good credit history... If you already had several loans in the past that you regularly repaid and closed the debt on time, if you used credit cards and did not miss mandatory payments, then it is highly likely that in the future you will not have problems with payments. Any creditors approve such clients 100% without refusal. With the spoiled CI, everything is obvious - there were problems, maybe again. But with zero history - some have questions. Like, how is it that I did not have any delays, since I have never taken out loans? Our answer is that with pure CI, banks simply don't know what to expect from you. That's why they refuse.
2. Long experience and high white salary... Lenders need reliable borrowers, and the most solvent of them are just those who have been working in the same job for several years and have climbed the career ladder, earning a large income. Here is such a paradox - they are most willing to give out loans to those who already have money. And the lowest percentage is offered to those who can pay a larger monthly payment without compromising their usual standard of living.
3. Owned car or apartment... Another confirmation of the client's solvency is that he has some significant property. Ideally, a real estate, house, plot or apartment, but a car is also suitable if it is not older than 10 years. So, when you go to the office to sign the contract, take with you an extract from the USRN for the apartment or PTS for the car. Get a lower loan rate.
4. Ideal age 25 to 40... Credit organizations consider the most solvent age of 25-40 years, since here people have already managed to gain experience, build a career, achieve high salaries, but there is still a long way to cut and retire. They are the ones who get loans most willingly. But the most difficult thing is to get cash on loan to students, people from 18 to 21 years old and pensioners over 65 years old.

6 tips on how to get a loan at the lowest interest rate

1. Contact your bank... The first and most important advice is to start by sending an application to the bank where you receive your salary on the card. In this case, banks are often ready to offer the lowest percentage, and the amount is larger and the term is longer. In some organizations, minimum rates are generally available exclusively to salary clients. If you don't like the conditions at your bank, then go to the place where you have an open deposit or a credit / debit card that you use.
2. Don't be lazy to prove your income... Despite the fact that almost half of the companies from our survey are ready to issue a loan for only 1 document without certificates, do not be lazy to issue this very certificate and assure it from the employer. If you have other sources of income, for example, entrepreneurial activity, dividends on stocks and bonds, a rented apartment or something else - try to get papers that can confirm this income.
3. Send the questionnaire to several banks... Do you want to compare what individual conditions different banks will offer you? Submit several applications. The main thing here is not to overdo it, many simultaneous applications can become a reason for refusal, and this negatively affects the CI. It will be enough 2-3 applications to the most profitable banks.
4. Offer bail... Do you need an even lower percentage, and even without a certificate? Use secured loans. You can apply for a small one and get cash at 7% -8% per annum only with a passport. Real estate and / or cars must be your property. And you will need to repay the loan in order, if you do not want to lose the collateral (and they usually give no more than 60% -70% of its value).
5. Refinance old loans... It is not necessary to take a new one, if you can simply, taken earlier at a high rate - in any of those who now offer up to 10% per annum. And if you need cash, after the restructuring, you can leave the same monthly payment and the same term, but get an additional amount in your hands with "real" money. Get one payment as a bonus, not 2-3 on different dates that are not too convenient for you.
6. Take a larger set of documents... Does the bank only ask for a Russian passport and 2-NDFL? Bring some additional documents with you. This will increase the chances of approval and will allow you to count on a lower percentage. It is best to bring your title deeds to any property or car with you. A foreign country with travel marks for the last year is also a good confirmation of your financial solvency.

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.

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% from 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 the main 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%, the first 100 days no interest is charged 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 holds leading 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 a 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 lending 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 under 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 - flat rate 10.99% for loan amounts up to 2 million rubles

The bank follows the highest quality standards in its work, so clients trust it and agree to long-term cooperation.
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

"Eastern Bank" - low interest rates and high chances

In our opinion, the rates at Vostochny Bank are not the smallest, but on the other hand, even borrowers with bad credit history have the best chances of approving an application. 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 reviewed within 5-10 minutes.

Summary: Bank "Vostochny" - not the smallest interest, but the maximum chances of 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 in 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 "Credit 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. The interest rate on the loan is 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 making 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, 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 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 3700 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 income statement;
● “120 days” - from 30,000 to 299,999 rubles for 3 years. Interest for using the 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 income statement.
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 the documents. Many banks issue loans in cash without a certificate of income, and sometimes just by the passport of a Russian citizen. This is convenient, but if you are counting on low interest rates, try to prove your financial situation with some 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 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:

1. Tainted 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.
2. 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.
3. Inaccurate data, such as the amount of wages, fake certificates or documents.
4. Appearance can also serve as a reason for refusal, especially being in a state of alcoholic or drug intoxication.
5. 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.
6. Returning to the topic of wages: it should be twice as high as the possible monthly payment. And this is the minimum.
7. 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.
8. And one should not discount the fact that the bank may refuse to issue a profitable loan without explaining the reasons. 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, register it. And remember: the longer its validity, 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 (BCI).

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 loan rates, 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 to 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 for free.

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 with the indication of personal data (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 scammers that for a certain amount they will be able to correct 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 committed 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 having financial problems.

In which bank is it better to borrow cash with 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.

1. Having studied in which bank what percentage of the loan, read reviews about it. Sometimes in the comments there are tips that will help you get a loan profitably.
2. 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.
3. If, answering the question, where is it more profitable to take a loan, you have chosen a bank with a deposit open 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.
4. When deciding which bank to take 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.
5. Before deciding where it is better to take a loan, in which financial institution, fully calculate all possible situations: loss of work, 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 do this with the least loss of time.

Often, a loan is the only possible way to solve financial problems. Also, it is a bank loan that can help make a large purchase without waiting for the required amount to accumulate. In this regard, it is important to find favorable conditions for a cash loan in the best banks for a consumer loan.

Where is it better to get a cash loan

Before applying for a loan, it is important to choose the bank that is best suited for this. Finding the best deals will be much easier if you know what lending criteria should be taken into account.

To determine the best banks for a cash loan, it is worth examining the following parameters:

1. The term for consideration of applications is especially relevant for those who need money urgently. It usually takes a bank several days to make a decision. However, there are suggestions when a loan is issued in cash on the day of circulation within a few hours.
2. The number of documents required to obtain. The fewer work certificates and other supporting documents are required, the faster and easier it will be to receive money.
3. Low rate. If you manage to get a cash loan at a low interest rate, you can count on a lower payment for the same terms and amount. In addition, it will help save your budget by reducing overpayment.
4. Recently, many banks provide the opportunity to come to the office only for a loan, when a positive decision has already been made. In this case, an online application is submitted, which significantly saves the borrower's time.
5. When choosing a bank, it is best to first consider the offers of those banks through which the future borrower receives wages. Often these clients are provided with various discounts for obtaining a loan.

Which bank is better to take a cash loan? Before answering this question, you will have to study the offers that are on the market. They should be compared based on the criteria discussed above.

Due to the huge number of banks with different conditions, it can be difficult to compare them on your own. It is much easier to use a ready-made comparison, for example, the TOP-7 rating presented below.

Tinkoff Bank is the best bank for cash loans in 2019

Tinkoff is a unique bank that operates completely online. It is very easy to get a cash loan online here. After completing the application on the website, the client does not have to wait long for a response. You can get the money you need in just one day.

Busy people don't have to go anywhere. After approval of the application, a bank specialist will arrive at a convenient address, sign an agreement and issue a debit card with the credited money.

Alfa-Bank is a well-known bank with favorable conditions

One of the best banks in order to take out a cash loan on favorable terms is the largest private bank in Russia - Alfa-Bank. The bank has been providing loans for any purpose for over 20 years.

Cash in this credit institution can be taken without collateral and guarantors. From the documents, you will need to provide a document confirming income and your employment. Moreover, it is very convenient that, for example, instead of a copy of the work one, you can provide a vehicle registration certificate or a passport with notes about traveling abroad.

To find out a preliminary decision in 10 minutes, you just need to leave a request on the website.

OTP Bank - consumer loan up to 750 thousand

In OTP Bank you can get a cash loan at a low interest rate. In this case, the purpose of borrowing does not matter.

To complete the application, it is enough to come to the nearest bank office, of which there are a lot throughout the territory of our country. The decision on the issue is made very quickly, so that in a few hours you can get the necessary money.

For those who want the loan rate to be minimal (at the level of 12.5%), it is enough to comply with two conditions:

1. have an unspoiled credit history;
2. submit to the bank employee as complete a package of documents as possible.

OTP Bank has developed a special application for borrowers. If you install it on a mobile device, you can not only find out where the nearest bank office or ATM is located. The application reminds you to pay the loan. Now there will be no delays!

Housing Finance Bank - a loan on the best conditions secured by an apartment

Do you need a loan for a large amount at the lowest interest rate? Then pay attention to the next bank in the ranking - the Housing Finance Bank. In this credit institution, you can get a large loan of up to 8 million rubles at a small interest rate (12.49%) without collecting certificates and guarantors. The only thing is that the loan is issued against the security of residential real estate. Due to the fact that collateral is used for lending, there are more chances to get such a loan than without collateral.

Favorable lending conditions and a high level of approval make a cash loan from BZF one of the best offers among all banks!

To take a loan from a bank, it is enough to fill out an online application form on the bank's website and get a solution literally right away. The only restriction is that you can only get a loan in some large cities (see the bank's website).

Vostochny Bank is the best bank for young people from 26 years old

For those who want to get a loan as soon as possible, Vostochny Bank is ideal. Here, without leaving your home, you can submit an application, the decision on which will be made very quickly. If it is positive, you can receive funds on the same day. By the way, if you leave an application online, you can get a discount on the interest rate. If the client wishes, all the necessary documents, as well as money, will be delivered to him at a convenient address. Thus, to get a loan from Vostochny Bank, you do not need to leave your home at all.

Loans are issued here without certificates and guarantors. Moreover, a loan can be obtained by providing a minimum list of documents.

Raiffeisen Bank - consumer loan for any purpose

Raiffeisen Bank offers excellent consumer lending conditions for those who have not managed to spoil their credit history. The bank is designed for clients who have a permanent place of work and a stable income that exceeds the average. Salary can be confirmed not only with a 2-NDFL certificate, but also by filling it out on the form offered by the bank. If you meet the above criteria, you can count on a loan in the amount of up to one and a half million rubles at an interest starting at 12.9% per annum.

Loans are issued very quickly. After the application to the bank is completed on the website, no more than an hour will pass before a decision is made. If you do not have time or desire to go to the bank's office, a specialist can be invited to your home or office to complete the contract.

Renaissance loan - a cash loan on favorable and flexible terms

Renaissance credit provides customers with the opportunity to get a loan quickly and without problems. And those clients who have a special pre-approved offer of the bank can apply for a cash loan using a passport without submitting additional documents.

The interest rate is determined for each client individually. Reliable borrowers are entitled not only to a lower rate, but also to a higher loan amount. Renaissance is ideal for those who need money urgently, because here you can get a loan already on the day of application.

Where is it better to get a cash loan? Of course, where there are low interest rates, comfortable design and feasible requirements for clients. You need to use the services of trusted banks recommended by specialists. So you can be sure that there are no various unforeseen situations and pitfalls in the process of borrowing.

To solve temporary financial difficulties, to make large planned purchases, many Russians attract borrowed funds. In 2020, Moscow banks offer an impressive range of loans to individuals. Among them are consumer loans, mortgages, targeted loans for the purchase of a car. An online loan application in Moscow will help you choose the right parameters from hundreds of offers with a minimum of time spent.

Online loan application in Moscow - how to apply?

• choose a bank in which it was decided to take a loan online in Moscow;
• decide on a loan program and study its conditions;
• choose the method of obtaining a loan: in cash or on a card;
• indicate the loan amount;
• mark the crediting period;
• submit an application for consideration to the bank. The banks set the term for consideration of online applications independently. Alfa-Bank has assigned 24 hours for this, Post Bank examines documents within an hour.

Applications received via the Internet are considered on a general basis. The application method does not affect the basic parameters of the loan (the interest rate does not increase).

Why is it better to apply remotely from this service?

Let's start with the fact that remote filing is not tied to the working hours of bank branches, you can fill out and send the questionnaire at any time of the day. In addition, an online application for a loan can be submitted from this site to all banks in Moscow, and this is a significant saving of the applicant's time. A loan calculator in Moscow will help you select a loan from offers on any principle:

• long lending period;
• minimum of documents (loan for two documents);
• low interest rate;
• cash receipt;
• registration without guarantors or other security.

Actions of applicants at the stage of registration of the application

Before submitting an application, we give the opportunity to calculate the loan, see the repayment schedule, the final overpayment. These options are provided by the same loan calculator located at the top of the page. With its help, the loan applicant can choose the optimal relationship between the loan term and the amount of overpayment.