Credit offers from banks. Arrange a loan. Bad and good loans - what's the difference?

You can take a loan in Moscow in a large bank with a long history or in a small institution. Money can be issued in cash or credited to. In 2020, more favorable interest rates in the first case. For individuals, there is the possibility of self-selection of the program, taking into account the requirements, amounts and terms.

Consumer loans to individuals

In 2020, they quickly make a decision to approve or refuse to issue money. The most popular are ruble loans. They can be issued:

• on the day of application.

You can take a consumer loan in Moscow for any purpose, while increasing the chances of approval is easy by choosing insurance, providing a certificate in the form of a bank.

Consumer loan rates in Moscow

They are selected individually, taking into account:

1. the identity of the applicant;
2. places of work;
3. credit history;
4. availability of repaid loans in other banks.

Interest rates on consumer loans in Moscow can be reduced if you use. Large Moscow banks often meet the needs of customers who previously issued credit cards. Interest rates also depend on the maturity of the debt. They generally range from 6 months to 5 years.

Ways to apply for a loan: online or in a Moscow bank

Most people prefer . It can be:

• fill in at any time of the day;
• send to several banks in Moscow at once;
• choose the best offer among institutions.

Which bank is better to take a consumer loan?

Cons. It is quite easy to find a loan in Moscow using our website. You can easily choose if you compare interest rates, terms and maximum limits. Provided for convenience. With it, you can not only sort offers by certain parameters, but also study the most relevant offers. It is easy to get a loan for consumer needs in Moscow after filling out an online loan application.

Some Russian banks allow citizens to take loans without certificates confirming the level of solvency. This is how they make funding programs available to a wider audience. Applications submitted online are processed very quickly, so it is possible to withdraw borrowed funds in record time.

Advantages and disadvantages

Simplified borrowing is something that is available to loyal consumers with a high level of payment discipline. Both well-known companies and young market representatives practice this type of cooperation to expand their customer base.

What are the main advantages of obtaining loans without certificates in Moscow:

• the possibility of obtaining financing by persons who, for various reasons, cannot document their income;
• conclusion of the transaction on the day of treatment;
• flexible terms of consideration of requests;
• no need to spend time collecting a large package of documents.

The downside is the slightly higher fee for using the product. This is natural, because with a superficial study of the questionnaires of applicants, FIs carry certain risks. In addition, either the funding period or the amount available may be reduced.

Without presenting certificates, it will be possible to borrow up to 300 thousand rubles. More money is given to regular customers who have an ideal reputation, as well as to those who participate in the bank's payroll projects.

About the online application

A questionnaire that allows you to take a loan without references is submitted remotely. What information is included in it:

• personal. Full name of the applicant, passport details, address of registration, date and place of birth;
• about employment. The type of work, position, full name and telephone number of the head are indicated;
• funding characteristics. Required amount and acceptable period;
• way to receive money.

Those who cannot get online often apply verbally by calling a call center. Within one working day, a representative of a financial institution contacts the applicant to clarify the terms of cooperation.

Receiving funds

How is the loan issued?

• Cash at the bank cash desk after signing the contract.
• On account. Money is transferred to a debit card or passbook. There is no transfer fee.
• To a credit card. In this situation, a certain limit opens. Plastic is issued at the office or delivered by courier.

The use of such a service is advisable for persons with perfect payment discipline. This target audience can count on making profitable deals.

To choose the optimal program, it is recommended to go to the portal site. Our service will allow you to study and compare the characteristics of different current products in order to make the right choice. For those who do not want to spend too much effort and time searching, there is a section called "Offers of the Month". Once the decision is made, it remains to click the "Submit Application" button and fill out the questionnaire.

How to get a loan with a bad credit history if they refuse everywhere? Where can I urgently get a cash loan to pay off other loans? In which bank without refusal can I get a loan at a low interest rate?

Hello, friends! Eduard Stembolsky and Dmitry Shaposhnikov welcome you again.

Let's talk about loans today. Money (small and large amounts) may be needed at any time: everyone has their own life circumstances.

In situations where there is no way to borrow money from friends, you have to take a loan from banks or from microloan companies.

We will also consider many other issues - where to get a loan without a guarantor, how to get a loan via the Internet and how not to take extra loans so as not to get into debt.

So, let's begin!

1. What is important to know about the modern market of credits and loans

How to get a loan at a minimum rate? Where to get a loan in cash and non-cash? In a person's life, situations often arise when money is needed urgently and in large quantities.

In such cases, a loan is almost the only way to solve a financial problem quickly and efficiently.

The only thing to keep in mind when taking out a loan is the need to repay the loan.

There are many ways to get a loan, each with pros and cons. You can take a loan from a bank, a microfinance organization, a pawnshop - later in the article, each option will be considered in detail. The main thing is to approach the matter soberly and reasonably assess your own financial potential as a borrower.

Before borrowing, experts advise considering several important points and answering a number of topical questions:

• Do you really need this loan? Are you ready to increase your financial burden? If you buy an expensive thing with the help of a loan, decide - do you really need this thing so much?
• Decide on the loan amount. It's especially good to think about if you decide to take out a multi-year (and sometimes even decades) mortgage.
• Turn on the mind and discard the emotions: in money matters, one should be guided only by a sober calculation.
• If you take a loan from a bank, take care of all the documents, which will help you get money in debt with a minimum interest rate.
• Decide in advance on the purpose of the loan: Banks often offer targeted loans (for weddings, education, car and apartment purchases). Find out which bank is more willing to give car loans, and which one is more profitable to get a mortgage. Many banks offer consumer loans for urgent needs - for such loans, you will not be required to report on what purposes you intend to spend finances.
• Decide which bank to take a loan from. If you already have a salary account or an open deposit in a bank, then its employees will be more willing to consider a loan. At the same time, the interest rate will be more affordable, and in some cases, income statements and other documents will not be required, since the information is already on your account.
• Each reputable bank in its office or on the website places important information for customers - carefully read all the points of the “borrower memo”: This will help you properly apply for a loan.
• Be sure to check with your bank How can I pay off a loan. It is important that this method is as convenient as possible for you. Sometimes delays in payments arise due to the inconvenience of repaying a debt.

observation from life

If the bank employee with whom you are consulting about obtaining a loan answers your questions evasively, reluctantly, or often finds it difficult to answer, do not rush to draw up an agreement - you will surely find some “pitfalls” after its conclusion.

However, banking services are not the only way to solve your financial difficulties. Below we will consider other ways to take money urgently, without a guarantor and certificates.

2. Bad and good loans - what's the difference

Some people have a negative attitude towards any loans. But this is not entirely true.

It is important to know that a loan to a loan is different. The fact is that not many people know that there are good and bad debts.

Let's explain what the difference is.

For example

You took a car on credit, used a car loan (your car can both bring you money and take it away).

You then have 2 options for using the car:

1. For fun. You ride friends (girls), go on trips. At the same time, you pay for insurance, gasoline and maintenance anyway. But to these expenses you also have loan payments added. That is, your car is for you a money devourer or, in other words, a liability. In this case, your credit is bad.
2. For work. You are professionally engaged in private transportation, working in a taxi. Then in a month, let's say you earn 45,000 rubles with a car, and give 15,000 rubles for a car loan. Then your car is an asset, that is, property that increases your income. In this case, your credit is good.

Conclusion: if you take out a loan in order to earn more with it, that is, your profit will be higher than the payments on the loan, then it can be called good.

If you borrow money in order to improve your mood, "show off" and so on, then such loans are bad.

If you want to learn how to make money with good loans and manage your personal finances effectively, then we recommend that you play the Cash Flow game.

There is a popular article on this topic on our site:. In this article, Alexander Berezhnov, our colleague in the HiterBober.ru project, shares his experience of participating in and running this game.

3. How to get a loan without refusal - 7 real ways

It is quite possible to get a loan without refusal and urgently, you just need to know where to go. We have chosen 7 real ways to get cash and non-cash loans.

Method 1. Microfinance organizations

Microcredit is a relatively new financial service. This is a cross between private and bank loans. Microfinance organizations are more willing to lend than banks and do not require a report from the client on the purpose of the loan and other items. The only negative is the small size of loans compared to bank loans.

Microloan- a loan for up to 50,000 rubles for a specific period. Under standard conditions, this is a month from the date of execution of the contract.

To take a loan, you only need a passport (no guarantors are required) and a decent appearance. Microfinance organizations are an option to get a loan for an unemployed person or a person without a credit history.

Advantages of microloans:

• Fast registration: the application is processed in 5-10 minutes, you do not have to waste time collecting certificates;
• A guarantor is not needed;
• You can complete the transaction online at home;
• You can repay the debt within a month or earlier.

This is the most convenient option when you need money right now. Microloans are an alternative way if you were refused by the bank (due to the lack of necessary guarantees). Microfinance companies will help those who want to get a loan quickly and without numerous questions from the lender.

Most of the firms that provide such services operate both in the "ground" points of receipt of applications, and through the worldwide network.

You simply register on the portal and receive money without collateral, guarantors, income documents, information about financial history and other "troubles". On the resource you need to fill out a questionnaire, leave a phone number and go to your personal account.

After that, it remains only to choose the required amount, the term for repaying the debt, agree to the terms of the company and apply for a loan.

You should take only as much as you need: you should not succumb to the persuasion of employees of a microfinance organization to take an amount greater than you yourself want (say, 10 thousand instead of 8). A difference of several thousand in case of delay will grow into tangible interest payments.

If you have a Qiwi wallet, it will be even easier to take a loan: the money will be transferred to your account almost instantly after the application is made.

True, the initial loan to the card without providing a financial history will be small ( up to 5,000 rubles), but subsequent amounts will increase many times over. In case of early repayment of the loan, the fee at the rate will be minimal.

If working with the site seems too complicated for you, you can take a loan with a passport at the office of a microfinance company closest to your home. The decision on your request is made literally in 5 minutes.

What determines the interest rate on loans? From two points - the amount and maturity of the debt, which you choose yourself.

Microloans also have disadvantages. The biggest minus - accrued interest. Interest rates in microcredit are usually higher than in bank loans.

Overpayment percentages will become especially high if you delay payment for any reason.

Real life example

Our friend took 20,000 rubles before salary for a gift to a girl. He was supposed to receive his salary within a week. However, there was a delay in the transfer, and then the money was urgently needed for other needs. As a result, a small delay of several weeks cost him almost 15 thousand overpayments.

Output

microcredits are a convenient way to take a day for urgent needs, but they must always be paid on time.

Method 2. Private loans against receipt

Where can I get a loan without a credit history? What to do if the bank and the microfinance organization were refused (it happens)?

There are two options left - to take from relatives (friends) or from an outside private person.

We do not consider the first method: let's say relatives refused, and friends, unfortunately, do not have cash at the moment. Consider the second option - to borrow from a private person, a complete stranger to you.

Announcements of this type can be found at any stop or even at the door of your own entrance: "Money from a private person", "I will lend without guarantors."

It sounds rather strange - why on earth would an outsider suddenly decide to lend money to another outsider? Thoughts of free cheese immediately pop up. In reality, such an operation is quite safe and It's perfectly legal if it's done properly.

A legally competently executed and notarized receipt serves as a guarantee for the return of funds on a private loan.

Such a document looks like this:

We offer you to download the receipt form for receiving funds

If you think about it, the borrower, not the lender, is more at risk in this situation. Private investors always take into account the probability of debt default, therefore they charge impressive interest for their services. Sometimes they are 2 times higher than bank rates on loans.

And one more minus: if for some reason the client does not repay the borrowed funds on time, the investor can apply to a collection company, which will have the right to deprive the borrower of collateral. Lenders may have other, even less pleasant ways to repay money.

That is why this method of getting a loan quickly should be practiced only when you totally sure that you will return the money just in time .

The advantages of this option are obvious:

1. Availability- a lot of offers, giving the opportunity to choose the most profitable option;
2. Efficiency: made a decision, executed a deal, took a loan;
3. Design transparency. The minimum set of required documents and an understandable form of registration is an IOU.

Offers from private traders can also be found on the Internet. Many people with big money are not averse to lending their finances to everyone.

Before you draw up a contract, carefully study its terms, especially the clauses written in the smallest print.

Method 3. Credit card

A credit card (aka “credit card”) is a bank payment card that can be quickly issued at almost any bank. With such a card, you can carry out payment transactions within the limit provided by the bank.

Restrictions on the amount are set according to the solvency of the client, which is determined by bank employees.

The card can be used as a substitute for a consumer loan or a loan for urgent needs.

The main advantage of a credit card is the ability to use a loan without reporting to the bank about its intended use.

Another plus is the constant renewal of credit opportunities after debt repayment.

Also, most cards have a so-called interest-free loan repayment period. That is, if you replenish its balance on time to the original one, then you will not be charged interest.

More useful information - in the article "".

Method 4. Loan secured by property

There are loans without collateral and loans secured by property. An unsecured loan requires guarantors and a large official salary. The total income of your guarantors should allow you to pay off loans in case it is difficult for you.

As a rule, larger loans are issued on collateral. In which case, the bank has the right to withdraw and dispose of the collateral at its own discretion.

You can use as collateral:

• Real estate;
• Private car;
• Securities;
• Land;
• Other valuable property at the discretion of bank employees and parties to the agreement.

The mortgaged property must be habitable. If it is in shared ownership, the bank requires the official consent of all parties to the agreement.

Throughout the loan repayment period, the borrower has no right dispose of (sell, donate) own property.

Remember that banks always reduce the real value of collateral ( sometimes up to 50%) - in this way they insure themselves against the risks of late repayment of the loan, so that in which case it is profitable to sell the property.

Method 5. Pawnshops - quick cash loans

Most people have valuable items that can be pawned for cash. These institutions willingly accept jewelry, gold and antiques, however, the assessment of such things is not always adequate to their real value. If the thing is dear to you as a family heirloom, take care of its timely redemption from the pawnshop.

If you failed to redeem your property on time, it becomes the property of the pawnshop - then the office disposes of things at its discretion. Usually, the organization sells such things to the same lovers of valuable things directly from its counter.

Some value-buying companies accept, along with jewelry, modern mobile devices, expensive equipment in good condition, sometimes even cars. Such companies call themselves digital technology pawnshops.

In any case, any item of value, whether it's an expensive mobile phone, an LCD TV or a gold ring, can bring you money even without being sold.

Things to consider when dealing with pawnshops:

• transactions for the delivery of property to a pawnshop can be performed only by adults;
• a passport is required;
• a fee is charged for storage;
• the return of property is carried out after the payment (return) of the full amount of borrowed funds;
• rough stones (semi-finished diamonds) are not accepted by pawnshops.

A significant minus of pawnshops when obtaining a loan is the valuation of your item below the real value of things due to the specifics of the business.

Method 6. Credit brokers

A loan broker is a kind of intermediary between banks and borrowers. The broker selects the best lending schemes, interacts with appraisal and insurance companies, fully accompanies the financial projects of its clients.

For their services, the broker, of course, takes a certain fee, measured as a percentage of credit transactions. Based on individual agreements with banks, brokers can offer their clients more attractive conditions.

Real life example

Our friend Andrei had a need to get a large amount of money from the bank. At the same time, he had to be present on a business matter in another city: he simply did not have time to complete the transaction and collect the necessary documents.

Andrey decided to entrust his affairs to a reliable credit broker (who is a member of an association of brokers) and was not mistaken: he saved time and at the same time received a more favorable interest rate.

Method 7. Borrow from friends

Also, by the way, the option of obtaining a loan. If you respect the peace of mind of your friends and family, you can formalize the loan by notarizing it.

Friends are unlikely to take interest on loans from you, but if it was a substantial amount and a long repayment period, you should thank your creditors with a good gift.

And in the end, we wanted to show you a visual comparison table of various loan options:

№		Time spent	Cash costs (overpayment)
1	Bank loan	1-5 days to collect documents	10-28%
2	Microloan	5-30 minutes	15-50%
3	Pawnshop	On the day of referral	5-10% commission
4	Credit Brokers	From 1 day	by agreement

4. Where can I get a quick loan - TOP-7 trusted banks

We present a list of banks that offer adequate interest rates, work quickly and rarely refuse customers.

1) Tinkoff bank

Accelerated loan processing up to 70,000 rubles. This microfinance organization operates exclusively through the Internet. It is enough for the client to make an application by filling in a few required fields, and loans for a period of 5 to 18 weeks will be available to him. If during this time you do not have time to repay the debt, you have the right to extend the terms of the loan.

Early repayment of the loan is not prohibited. For each day of using the company's funds, you are charged 1.85%. The first loan is up to 10,000 rubles. If you repaid the loan on time and in full, larger amounts will become available to you. Of the documents, you only need a passport. Funds are transferred to the card instantly after the approval of the loan.

Real life example

Natalia (an acquaintance of our acquaintances) has already issued a loan for the purchase of technological innovations for the third time in a row. She needed her first loan to buy the latest smartphone model from a well-known company.

The second was spent on the purchase of a tablet from the same company. Now it's time to get a new laptop. Salary in a beauty salon is only enough to pay off one of the 3 loans. What to do with the other two Natalia has not yet figured out.

Why it happens? Is it really difficult to master at least the basic concepts of financial planning? Psychologists say that the reasons should be looked for much deeper.

People who take loans for immediate needs subconsciously believe that they will not be able to make such purchases in the future - in other words, they do not believe in themselves.

6. Conclusion

Let's sum it up, friends!

We told you about where to get a loan, the types of loans, how to get them and alternative options. In conclusion, we add that, of course, one should not be afraid of loans, but a frivolous attitude towards them is also dangerous.

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

Where is the best place 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 to take into account.

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

1. The deadline for consideration of applications is especially relevant for those who need money urgently. It usually takes several days for the bank to make a decision. However, there are offers when a cash loan is issued on the day of treatment within a few hours.
2. The number of documents required to receive. The less certificates from work 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 smaller payment with the same terms and amount. In addition, it will help save the budget by reducing the overpayment.
4. Recently, many banks provide an opportunity to come to the office only to apply 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 such 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, focusing on the criteria discussed above.

Due to the huge number of banks with different conditions, it is not easy 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 a cash loan in 2019

Tinkoff is a unique bank that operates entirely online. It is very easy to get a cash loan online here. After filling out an application on the site, the client will not have to wait long for a response. Literally within one day you can get the necessary money.

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

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

One of the best banks in order to take 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 more than 20 years.

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

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

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 fill out an application, it is enough to come to the nearest office of the bank, which are quite a lot throughout our country. The decision on extradition 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 meet two conditions:

1. have an undamaged credit history;
2. provide the bank employee with 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 of the need to pay a loan. Now there will be no delays!

Housing Finance Bank - a loan on the best terms 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 rating - Housing Finance Bank. In this credit institution, you can get a large loan up to 8 million rubles at a low percentage (12.49%) without collecting certificates and guarantors. The only thing that the loan issues is secured by residential real estate. Due to the fact that collateral is used in lending, it is more likely to receive such a loan than without collateral.

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

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

Vostochny Bank is the best bank for young people over 26

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 apply 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, in order to get a loan from Vostochny Bank, you do not need to leave your home at all.

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

Raiffeisen Bank - consumer credit for any purpose

Raiffeisen Bank offers excellent consumer lending conditions for those who have not had time to ruin their credit history. The bank is designed for clients who have a permanent place of work and a stable income that exceeds the average. Wages can be confirmed not only with a 2-NDFL certificate, but also by issuing it on a 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 rate starting from 12.9% per annum.

Loan disbursement is very fast. 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 office, you can invite a specialist to draw up an agreement at home or in the office.

Renaissance credit — cash loan on favorable and flexible terms

Renaissance credit provides customers with the opportunity to apply for a loan quickly and without problems. And those customers who have a special pre-approved offer of the bank can apply for a cash loan on a passport without presenting 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 on the day you apply.

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

Who will wait a few days if you can get cash right on the day you apply? Only those who are not in a hurry. And if the money was needed urgently, and generally needed yesterday, then what to do? Contact banks that quickly make a decision on the application and issue urgent loans on the same day. Some in general, and guarantors and even. Well, if you are ready to bring 2-personal income tax and some second proof of identity, then all the doors are open to you and the minimum interest on loans is available.

Banks that quickly issue a loan on the same day

Bank	Percent	Sum	Consideration
in 1 minute	From 7.9%	Up to 1,000,000	1 minute!
	From 7.5%	Up to 3,000,000	1-2 hours
with poor CI	From 9.9%	Up to 15,000,000	Up to 60 minutes
without refusal	From 9.9%	Up to 5,000,000	In one hour
	From 9.9%	Up to 700,000	20-40 min.
fast	From 10.5%	Up to 1,000,000	5-15 min.
	From 8.8%	Up to 5,000,000	15 minutes
by passport	From 10.5%	Up to 1,000,000	10 minutes
instantly	From 0%	Up to 30,000	Instantly
	From 0%	Up to 80,000	2-3 minutes
automatically	Up to 1%	Up to 15,000	Instantly

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

Banks that issue cash on the day of treatment

Little data? Read a more detailed review of banks that 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;
• Documents: 2 documents.
• Solution: 1 minute.

The main plus is that they open consumer loans with an instant decision in just 1 minute. Income certificates are not needed and most often they issue urgent consumer loans in general only on the passport of the Russian Federation. But they may ask for an additional one - take SNILS, everyone has it, and that 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 repay 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;
• Documents: passport, additional + certificate 2-NDFL;
• Solution: 1-2 hours.

It is worth applying if you have a permanent job with a total experience of 1 year and 6 months at your current workplace, 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 picked up right on the day of the appeal, if you send the questionnaire before lunch.

Vostochny - 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;
• Documents: only a passport.
• Solution: 1 hour.

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

It’s not worth counting on 15 million, but a loan is issued without proof 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: 1 hour.

The main advantage of the bank is that you do not need to collect a pile of extra papers. To get 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;
• Documents: passport (over 200,000 - income statement);
• Solution: 20-40 minutes.

OTP - a quick decision on the application

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

Applications are considered almost instantly, they are ready to issue cash on the day of application, if you do not forget to grab a complete 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 percentage of 10.5% is only for a loan of 300,000, less - from 14.5%.

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

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;
• Documents: passport, 2 additional + 2-NFDL.
• Solution: 15 minutes.

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

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

MTS - express loans close to home

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

The minimum 10.5% per annum is for payroll clients or those who are not too lazy to bring a 2-personal income tax certificate. Without it, rates from 15.9% and a limit of up to 200,000. But if this is enough for you, but you need a loan right the same day, send the questionnaire, get an answer in 10 minutes and go to the nearest MTS office, which is 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 disappointing when you sent an application, received approval and are already in a hurry to the bank for money, and in 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 approved a 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 valid data. A mistake of one letter in the name or name of the organization in which you work can cost you not only a refusal in this company, but a spoiled CI. And a clear lie with wages, length of service or place of work guarantees the rejection of the questionnaire and the submission of data on an unscrupulous borrower to the BKI. There are few banks, so do not deceive and embellish.
3. Submit your application early in the morning. Everything is simple here, the sooner you send your application, the sooner the manager will check it and issue 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, sending a questionnaire after lunch, you run the risk of not having time to pick up cash on the day of the call.
4. First of all - to your bank. The fastest way is to check the client with whom you have been cooperating for a long time. The easiest way is to borrow from a payroll bank - there are usually more loyal conditions, and, and income statements are not required, a passport is enough. You can also go to where you have a credit / debit card or a deposit opened.

Even if a complete set of documents, contacting your bank and up-to-date information about yourself did not help you, and you were refused in 2-3 banks, and you still need money yesterday, the last option remains. Please contact MFI. They are loyal to a bad story 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 the ability to get a certificate of income? Bad credit history and the bank is always denied? Or just need a small amount? Contact the MFIs that issue new clients - there are a lot of them now, if you apply to different ones each time, you can not pay interest. Most importantly, do not forget to pay off the 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 is convenient for MFIs is that you need to take a minimum of actions in order to open an urgent loan. Fill out a short questionnaire on the site, 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 a Golden Crown or Contact transfer. In the latter case, however, you still have to leave the house and walk to the company's office to pick up cash.

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

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