Where is the best loan? Which banks offer the lowest interest rates on consumer loans? Alfa-Bank is a well-known bank with favorable conditions

CreditZnatok is a service for selecting the most advantageous loan offers from Russian banks and microfinance companies. Citizens living both in Moscow and in other cities of Russia are served. You can choose a profitable loan using the online filter at the top of the page.

Get the best cash loan: how to apply and what you need to know

To find a program with acceptable loan terms, first enter the desired amount and term in the appropriate filter fields. Also, for a competent selection, it is worth indicating your city of residence. After activating the "Select" button, the service will offer the client a list of banks that have representative offices in this locality.

Consumer loans are issued for various needs: from small purchases to large investments for business development, etc. Accordingly, the amount can be very different: from 5-7 thousand to several million rubles. A large credit loan is usually allocated for a mortgage and similar purposes. To conclude a deal profitably, consider all credit conditions:

• the size of the bet;
• the need to verify income;
• is it possible to obtain a loan on favorable terms on the day of application;
• options for cash withdrawal and debt repayment (to a card, account), etc.

How to get the best loans

Choosing a good option is only half the battle. It is also necessary to correctly submit an application so that the credit institution considers the applicant to be completely trustworthy. You can do this online on the website of the selected company. Click on "Apply for a loan", after which the required page will automatically open.

Each lender offers a prospective client assistance in the form of a calculator for calculating the interest rate and the final amount of payments. Before applying, check whether the bank provides an opportunity to repay the debt ahead of schedule without “penalties”. If all the conditions suit you, carefully fill out the form, wait for approval and go get your money.

Unfortunately, the economic situation in our country has been leaving much to be desired for a long time. Every person has needs. But there are not always the means to satisfy them. That is why many people decide to take out a loan. However, this is a serious decision. So people have to carefully look for a financial institution that offers the most favorable loan terms. Only after comparing several options is it possible to understand in which one to take a loan.

Clear leader

This financial institution offers several Take, for example, consumer. In Sberbank, it can be issued even without collateral. The maximum amount is 1,500,000 rubles, the rate is from 16.9%, and the term can be up to five years.

More favorable conditions are offered to people for whom an individual can vouch. Then the possible loan amount increases to 3,000,000 rubles, and the interest rate starts from 13.9%. Only the time period has not changed.

Many people, wondering which bank is better to take a loan from, like to make preliminary calculations so that the potential benefit can also be seen. Well, let's take an example. A person with an income of 60,000 rubles a month, who receives a salary on a Sberbank card, has the opportunity to take about 640,000 rubles for two years. For him, the interest rate will be 13.9% per annum. Every month you will need to pay about 30,550 rubles, and the overpayment amount will eventually be 95,000 rubles.

"VTB 24"

Talking about which bank is better to take a loan from, one cannot but touch upon VTB-24. Indeed, in the ratings, this organization ranks second.

"VTB-24" offers several "Large" - from 400,000 to 3,000,000 rubles, for a period of 37-60 months, with a rate of 15.9-17.9% per annum. "Fast" - from 100 tr. up to 3 million. The period in which you have to meet when paying off the debt is from 6 to 36 months. And the last type is the “Convenient” loan. On it, you can take the amount from 100 thousand rubles. up to 399 999 rubles. Term - from 37 to 60 months, rate - 16.9 - 25%.

By the way, many people, being interested in which bank is better to take a mortgage loan, get advice to apply specifically to VTB-24. This organization has really great conditions. Let's say a person wants to buy a 1-room apartment for 4,000,000 rubles. An initial payment of 1,200,000 will be required. The amount for people who want to buy such housing is usually lifting. "VTB-24" offers in this case to issue a mortgage for 10 years. If a person receives about 65,000 rubles a month, then for him the rate will be only 11.4% per annum. And you will need to pay 39,000 rubles / m.

Russian Agricultural Bank

This financial institution is in third place in the ranking. Many, having studied in detail the question of which bank is better to take a loan from, make a choice in favor of Rosselkhoz. This solution is especially beneficial for those people who participate in the "salary project" program of this organization. For them, the interest on a consumer loan without a guarantee starts from 15.5% per annum. If a person wants to take 750,000 rubles (this is the maximum amount) for 36 months, with a monthly income of 60,000 rubles, then he will have to give only 26,000 rubles / m, at a rate of 16.9% per annum. It is not surprising that many people choose Rosselkhoz if they have a question regarding which bank is better to take a loan from.

In addition, there are favorable mortgage offers. For housing in the Tsaritsyno residential complex, for example, a minimum annual rate of 7.5% is set. And then there are military mortgages, government-backed real estate loans, and many other offers. You can even apply for two documents! Only for this you will have to make an initial payment of 40%. The ability of a person to immediately give such an amount is an oral confirmation of his income. If he wants, say, to take 1,000,000 rubles for 36 months, then for him the rate will be 14.4% per annum. Only monthly income should be 60 thousand rubles. Because every 30 days you will have to give 40 thousand rubles. as a payment.

"Alfa Bank"

In many ratings, which clearly demonstrate which bank is better to take a cash loan, this organization is included in the top three. The conditions are favorable. The maximum amount is 2,000,000 rubles. The term is from one to five years. There are no fees and guarantors are optional, the annual rate starts at 13.99% and the issuance decision is made within a day. And early repayment is possible, which can be negotiated even by phone.

Also, payroll clients of this organization are offered good mortgage conditions. If a person wants to buy an apartment on the secondary market, then he can be given funds for 5-25 years with a down payment of 30% and execution of only one document. The rate in this case will be 17.3% per annum. If you want to buy a residential building, you will have to pay 40% of the total amount.

Gazprombank

Many people assure that it is better to make a choice in favor of this organization, since the question has already arisen regarding which bank is better to take a loan from. Many call her one of the best.

If you apply for a loan for up to a year, the rate will be 13% secured and 14% unsecured. Need a loan for a longer period? If it varies from one to three years, then the annual rate will increase to 13.5% with security and up to 14.5% if there is no security. And on a loan for a period of 36-60 months, you will have to pay 14% and 15%, respectively. By the way, for Gazprombank clients the rate is lower by 0.5%.

OTP

This organization is also not in last place in the rating of verified financial institutions. Moreover, many advise it if a person is interested in which bank is better to take a consumer loan.

Loans in OTP are issued in cash and for any purpose. Let's say a person needs to borrow 500,000 thousand rubles. for a period of 24 months. He can be offered a rate of 14.9% per annum and a monthly payment of 24,220 rubles.

Mortgages in OTP are also profitable, especially for “their” clients. The maximum term is 30 years. Mortgages with state support are set at rates of 11.2%. For new buildings - from 12%, as well as for finished housing.

By the way, many companies cooperate with OTP, when buying in the centers of which you can get an installment plan or a loan. These are DNS, Svyaznoy, Euroset, Media Markt, Techno-Sila, MegaFon, 585, Elena Furs and many other popular brands.

"BinBank"

This is also a fairly well-known commercial financial institution. Many often advise to go there if a person is interested in which bank is better to take a loan.

The minimum amount is 100,000 tons, the maximum is one million. Terms can vary from 24 to 84 months. The rate starts from 16.5%, and the decision on extradition is made within three business days.

If a person is a client of BinBank, then he can be given 1,000,000 rubles at 16.5% per annum, while the monthly payment will be 26 thousand rubles.

You can also apply for a mortgage here. The minimum annual rate is 11.25%, the term is 5-25 years. The initial payment should be 15%. The maximum loan amount is not limited, but the minimum is 600 thousand rubles. (Moscow) and 300 tr. (other regions). The decision is made within five days. By the way, a partial reduction in the loan, the amount of payment or early repayment is also possible.

"Ugra"

It is a joint stock company. Talking about which bank is better to take a loan from (the list of names, as you can already understand, is very wide), one cannot but note Ugra as well. It issues four types of consumer loans. There are "Friendly", "For any purpose", "Loyal" and "Pension". The peculiarity of this bank is that there are no universal conditions - here an offer is individually selected for each client, in accordance with his income and capabilities. So you need to fill out an application first.

The same goes for mortgages. But there are some standards here. The initial payment should be 20% of the total amount. Mortgage term - from three to thirty years. The minimum amount is 300,000 rubles, the maximum is 10,000,000 rubles.

Avtotorgbank

This limited liability company is also worth noting with attention, talking about which bank is better to take a loan from. The rating mainly demonstrates the popular names of financial institutions. Few have heard of Avtotorgbank. But he offers favorable conditions for car loans.

This organization has many partners, including famous foreign manufacturers. The bank issues money on a car loan in euros, dollars and rubles. The minimum amount is 300,000 rubles, the maximum is 5 million. The term can vary from 6 to 60 months. The down payment must be at least 20% of the value of the car. A deposit is not required, since the purchased car becomes it (the title will need to be transferred to the bank for storage).

If a person takes the amount for a period of 6 to 12 months, then the annual rate will be 18%. From 13 to 36 - 19%. And from 37 to 60 - 19.5%, respectively. Many take a loan in euros or dollars, because in any case, no matter what term the client chooses, the rate will be 15%. But in this case, too, there is a risk, and it lies in the unpredictable exchange rate.

Sovcombank

This organization is also worth noting with attention, talking about which bank is better to take mostly positive ones about it. After all, Sovcombank makes profitable offers to its customers. True, the services of this organization are suitable for those people who need small amounts. So, for example, 100,000 rubles in a bank can be issued at 12% per annum. Requirements for borrowers are low - citizenship of the Russian Federation, age from 20 to 85 years, 4 months of experience at the last workplace and permanent registration in the region (also at least 120 days).

There is a consumer loan "Standard" with a maximum amount of 200,000 rubles, "Superplus" (600,000 rubles), "Pension", "Express" and even the so-called loan "For responsible", provided upon presentation of a passport and a diploma of higher education .

What do clients say?

Finally, we can talk a little about what kind of reviews about the work of banks are left by people who have used their services.

Consumer loans with a low interest rate in Moscow in 2019 can be issued both in large federal networks and in small banks. Low rates are set by regular programs, often with certain restrictions. Often referred to as seasonal offers to attract new customers as part of loyalty programs.

Terms of low interest loans in Moscow

A loan at a low interest rate in Moscow makes it possible to become the owner of the required amount without references, additional documents. When analyzing the data provided by the borrower, the following is taken into account:

• experience of interaction with other financial institutions;
• the age of the potential client;
• the presence of delinquency on past loans;
• having experience.

If all the conditions of the Moscow Bank are met, you can count on the lowest interest rates. Favorable offers with cash withdrawal may also apply to certain categories:

• pensioners;
• civil servants;
• the youth;
• large families.

With a low interest rate in Moscow, it is more often issued for a period of one year or more. The exact period depends on the client's request.

How to get a loan at a low interest rate in Moscow?

You will find a loan at a low interest rate in Moscow on our website. Use filters to sort offers according to the given criteria. It remains to send an online application to the selected one. Try to fill it out as accurately as possible in order to guarantee a positive decision.

List of banks where you can get a loan with a low interest in 2019. A detailed description for each bank: conditions, requirements for the borrower, necessary documents, as well as tips on how to get the minimum rate

Which banks give low interest loans? We have compiled for you a list of banks where you can get a consumer loan with a minimum interest rate! Interest rates on loans in these banks are lower than the market average or within the average minimum. Banks from this list do not require a guarantee or collateral, with the exception of secured loans (on the example of individual proposals from Sovcombank). An overview of the conditions under each bank will help you find the best loan.

Also in the list there are offers of credit cards with an interest-free period from well-established banks.

It offers a loan at the lowest interest rate - from 11.9% per annum, and for active users - 0% per annum (but you still pay the loan according to the schedule at your rate, just at the end of the term the bank will return the interest paid to you, plus you can not refuse insurance ). The maximum amount of such a loan is 1 million rubles. By the way, for conscientious borrowers, the bank offers a gradual reduction in the rate, and the rate can also be reduced by 5% for those who transfer their salary or pension to Sovcombank.

Low Rate Guaranteed! If within 90 days you receive an offer of a cheaper loan, you can refuse a loan from Sovcombank with a refund of the money paid.

To get a loan with a low rate of 11.9%, you must provide a 2-personal income tax certificate, work at your current job for at least 4 months, and your age must be at least 20 years old.

For clients aged 20 or older or who need larger loan amounts, Sovcombank offers:

- the bank offers to issue a loan of up to 700 thousand rubles for a period of 2 to 5 years with an interest rate of 15% from 9.5% per annum.

Or, if you are already 24 years old and have work experience in the last place for more than 3 months, you can apply for a free credit card at Renaissance Credit Bank with a credit limit of up to 200 thousand rubles at 24.9% per annum and interest-free period of 55 days.

There is a 2.9% fee for withdrawing cash from a credit card.

Similarly, you can apply for a credit card at Raffeisen Bank with a credit limit of up to 600 thousand rubles, an interest-free period of 50 days and a rate of 29% per annum. Withdrawing cash from the card is free of charge.

If you are between 21 and 76 years old, you have been working for at least 12 months at your last job, you can apply for a cash loan at 16% 9.9% - 24.9% per annum at Vostochny Bank. Loan amount - from 25 thousand to 3 million rubles for a period of 1 to 5 years.

The bank also has a line of credit cards with a credit limit of up to 300 thousand rubles at 24% per annum and an interest-free period of up to 56 days.

Refinances or issues a cash loan in rubles at only 9.9% per annum, subject to the connection of financial protection, otherwise 13.9% per annum, in the amount of up to 3 million rubles for up to 7 years. Restructuring (refinancing) of loans from other banks is also available under the same conditions.

From the second year, if you have not allowed delays, the rate will be reduced by 1%, and so on for three years. The rate may be 6.9% per annum.

To get such a loan, you will need a certificate of income and a copy of a work book with a total experience of 1 year, your age must be at least 23 years and you must not have an individual entrepreneur.

It is included in the top ten banks in terms of issuing loans to individuals and offers a cash loan of up to 1 million rubles for 1-7 years at a rate of 7.9% per annum. Of the important requirements of the bank, it is worth noting the age of the borrower - 22-70 years old, the presence of a landline phone and a permanent place of work with at least 3 months of experience. But the bank does not require income statements.

The same requirements for the borrower apply to the Home Credit credit card, although here the bank may be more loyal. The limit on the card is up to 300 thousand rubles, the rate is from 29.9% per annum, the interest-free period is 51 days.

You can get a cash loan from 15 thousand to 4 million rubles for up to 5 years with an interest rate of 21.9% 10.5-35.7%.

To get a loan, you need to have a stable source of income.

If you need an inexpensive cash loan from 50 thousand to 1.5 million rubles, pay attention to. The bank lends at a rate of 10.9% per annum when applying for insurance, a loan without insurance is issued from 13.9% per annum.

Mandatory requirements of the bank: age from 23 years and experience at the current place of work from 3 months.

Also in Uralsib with the same rates, you can take a loan to repay other loans (refinancing). The Bank refinances loans up to 2 million rubles for up to 7 years. The borrower requirements are the same as above.

Otkritie Bank has a fixed rate of 8.5% per annum for the first year, and then it depends on your credit history: from 10.5% to 23.0% per annum with insurance or from 11.9% to 24.3% per annum without it . You can take from 50 thousand to 5 million rubles for up to 5 years.

There are special conditions for existing bank customers: the rate for the first year is 7.5% per annum.

To become a borrower of this bank, you must be at least 21 years old, work experience in the last place is at least 3 months with a total experience of at least 1 year, and the salary must be from 15 thousand rubles per month. There shouldn't be an IP yet.

You can get a decision in Otkritie online in just 3 minutes.

If you need a low interest loan refinancing loans in other banks, then in SKB-Bank you can take a special loan up to 1.3 million rubles at 19.9% ​​per annum.

It offers a consumer cash loan at 12.9% -23.9% per annum, and for pensioners and users of Post Bank cards, the rate is lower - from 9.9% per annum. The bank is ready to issue an amount of up to 1.5 million rubles for a period of up to 5 years, while the documents require only passport and SNILS. Post Bank promises to give a preliminary decision on a loan when sending an online application in 1 minute. The money is transferred to the Post Bank card, you can withdraw it from an ATM or use it that way.

UBRD also has a credit card "120 days", the credit limit for it is up to 300 thousand rubles, the rate is 30.5% per annum, the term is 3 years, the interest-free period for purchases and cash withdrawals is up to 120 days. Persons 25-55 years old with a good credit history and who have been working at their last job for at least six months can receive such a card.

Alfa-Bank also has a profitable offer - and a credit limit from 500 thousand to 1 million rubles at 11.99% per annum or higher. The interest-free period is valid for cash withdrawals (up to 50 thousand rubles per month). The card is issued to persons over 18 years of age with an official place of work.

Card service is paid - from 590 to 5,490 rubles per year (depending on the size of the credit limit), cash withdrawal fee - 4.9-5.9%.

Or a Cash Back credit card, only with a credit limit of up to 700 thousand rubles with a rate of 25.99% per annum, but a 60-day interest-free period for purchases and cash withdrawals (but with a commission of 4.9%). The cost of servicing the card is 3,990 rubles per year. The map is popular with motorists, as it has cashback at gas stations 10%.

If you earn less than 50 thousand rubles per month, then you can contact Russian Standard Bank for:

Able to offer customers a consumer loan with a low interest rate - from 10.99% per annum, and its amount ranges from 50 thousand to 3 million rubles for a period of one to 5 years. Moreover, the maximum rate on this loan is limited to 18.99%. You can count on a rate of 10.99% with a loan amount of 1.5 million rubles and life insurance.

According to our statistics, this offer enjoys good demand among borrowers.

In LOCKO-Bank, you can get a consumer loan without insurance at a rate of 14.9% per annum (with insurance - from 15.4%), the loan amount should be from 500 thousand to 5 million rubles. The loan can be issued for up to 7 years.

At the same time, the bank can issue a loan at a reduced rate of up to 9.4% per annum, for this you will need to take out insurance, provide a car as collateral and make monthly payments no later than 10 days before the planned payment date.

If you are at least 21 years old (and for men - from 27 years old if you do not have a military ID), the Asia-Pacific Bank (ATB) can offer you a consumer loan from 5 thousand to 3 million rubles for up to 5 years. The loan rate depends on its amount: 30-100 thousand rubles - from 8.8% per annum, from 5 thousand to 1 million rubles - 19.9-23.8%, from 1 to 3 million rubles - 19.9%.

For small amounts of consumer credit, ATB issues passport money, but the length of service at the current place of work must be at least 1 month, and the borrower himself must have a stable income.

The bank operates only in the regions: Altai Territory, Republic of Altai, Amur Region, Buryatia, Irkutsk Region, Kamchatka Territory, Kemerovo Region, Krasnoyarsk Territory, Magadan Region, Primorsky Territory, Sakhalin Region, Khabarovsk Territory, JAO, Khakassia, Trans-Baikal Territory, Chukotka Autonomous Okrug, Yakutia.

In MTS Bank you can get up to 5 million rubles for 5 years at a rate from 8.9% to 25.9% per annum. It is easy to submit an online application using an account on the State Services.

The minimum age of the client is 18 years old, but more is better, the experience is from 3 months. Of the documents you need a passport and a second document to choose from.

In MTS Bank, a credit card is also very popular with customers, it has a grace period of 111 days and a large cashback in supermarkets, cinemas and gas stations - 5%! The credit limit for karst is 299,999 rubles. Card service is free, but its production is paid - 299 rubles (withdrawn after the first purchase). There is no grace period for withdrawal.

The requirements for the borrower are the same as for a loan.

If you need a loan with a low rate without collateral and guarantors from 50 thousand to 3 million rubles, then we also recommend Svyaz-Bank. The interest rate at this bank is from 9.9% to 15.5% per annum with insurance, without insurance - from 11.9%. You can borrow money for a period of 6 months to 7 years.

Persons from 21 years of age with experience at the current place of work from 4 months can receive a loan, with a total experience of 1 year. You need a certificate of income and a copy of the labor or certificate from the place of work, as well as a home or work phone number.

Gazprombank also offers some of the lowest consumer loan rates: from 9.5% to 15.5% per annum with an amount of 50 thousand to 3 million rubles, for a period of up to 7 years. At the same time, salary customers can apply for a loan at 9% per annum. The rate on a loan without insurance is 15.5%, for payroll clients - 14-15%.

To get a loan from Gazprombank, the borrower must be at least 20 years old, have at least 6 months of work experience in the last place (total experience of at least 1 year), and no negative credit history. The bank requires a certificate of income and a copy of the work book.

Have you heard about Podem bank? This bank is in many regions of Russia and is popular. Very popular loan "Steering rate!" at 100-200 thousand rubles for 11 months at 8% per annum (of course, the rate may be higher, it depends on your credit history).

You can also get a consumer loan "Whoa!": from 300 to 500 thousand rubles for up to 3 years at 19-19.8% per annum.

There is a loan for pensioners in the amount of 30 to 299 thousand rubles for up to 5 years at 19.8-33% per annum.

Such loans can be obtained by persons aged 22-75 who have worked at the current place for at least 3 months (or pensioners) and at least 1 year in general. Of the documents, in addition to the passport, a second document is needed (SNILS, TIN, military ID, passport), and with a loan amount of more than 200 thousand, a certificate of income is also needed (pensioners do not need).

Bank Zenith issues consumer loans at 9.9-21.9% per annum in the amount of 50 thousand to 3 million rubles for up to 5 years. The minimum rate of 9.9% can be received by salary customers of the bank, and for them the loan term is longer - up to 7 years. The rate for military personnel is 11.9-19.9% ​​per annum.

To get a loan at Zenith, you must be not less than 25 and not more than 54 years old(it will be much more difficult for borrowers of a different age to get a loan), the length of service at the current place of work (except for pensioners) is from 4 months, and the total one is from a year. A loan of up to 100 thousand rubles can only be taken with a passport, in other cases, if you are not a payroll client or a pensioner, you need a certificate of income from salary from 30 thousand rubles, a copy of an employment or labor agreement / contract, a document of your choice (SNILS, TIN, foreign passport).

It is important to add that the bank is loyal to delinquencies no more than 60 days, for the last 180 days, but there should not be current delinquencies. In Zenith you can take out a loan even if you already have 5 existing loans.

Conclusion

How to get the minimum loan rate?

In most cases, the requirements of banks for potential borrowers are not always final (the interest of banks on a loan depends on a number of factors: your credit history, income, including work experience and profession, marital status, and much more), and the list of required documents may change from this. As a rule, banks offer the lowest interest rate on a loan to customers over 27 years old with a positive credit history. The more documents the borrower provides, the lower the interest rates on loans. A preliminary online application for a loan also gives a reduction in the rate (0.5% on average).

The borrower's insurance also affects the interest rate on the loan. Although it is not mandatory, the presence of insurance affects the rate: without insurance, the rate is higher. However, you need to pay for insurance, it is included in the loan amount. You can calculate how more profitable (with or without insurance) only by applying for a loan or using an online calculator on the bank's website, but the first option is more accurate.

Recently, you can often find the smallest interest on loans in banks that are under the reorganization of the Central Bank.

We advise you to send loan applications to banks sequentially, starting with the cheapest loan, and after receiving the decision of the bank, if necessary, move on to the next bank to find the best offer. If you have unpaid fines, late utility bills and other outstanding obligations, pay off all debts before submitting an application, as they also affect the bank's decision! And we recommend that you do not have more than one credit card at the time of application.

Consumer loans at a minimum interest

Today, banks are gradually reducing interest on consumer loans, but they are extremely reluctant to do so. For example, some credit institutions, in an attempt to attract customers, advertise minimum rates. But in fact, they issue loans at a high interest rate, reducing it to the declared value only a few months after the issuance of money.

This strategy can be considered a cunning trick of bankers, but on the other hand, for many individuals, for example, those who cannot boast of an ideal credit history, this is a good opportunity to borrow money for a long time at an acceptable rate. Agree, many of us, having received a refusal to lend in large state-owned banks, are ready to slightly overpay for a couple of months, but then repay the loan at a low rate for several years. In addition, this is a chance for customers with bad credit history.

It should also be noted that many banks today require a minimum package of documents from borrowers and even issue consumer loans using only one passport. If you provide a certificate of income and a copy of the work book, then you can borrow a very large amount from the bank at a low interest rate and for a long time.

10 consumer loans with a low interest rate

Here we have collected the best offers from banks in Moscow, St. Petersburg and other cities of the country, where today you can take a consumer loan on favorable terms. The percentage will be low, but the probability of approval of a loan application is high.

Loan for any purpose in Otkritie Bank

In Otkritie Bank today you can get from 50,000 to 5 million rubles, while no collateral or guarantee is required. Funds are issued for a period of 24 to 60 months, that is, from 2 to 5 years. The decision on the application is made within 15 minutes to 2 working days. The only restriction is that the funds received cannot be spent on business-related purposes.

Who can get money

What documents are needed

Loan Easy in Gazprombank

Gazprombank today offers to borrow from 50,000 to 3 million rubles. Funds can be borrowed for a period of 13 months to 7 years. In this case, to receive money, you do not need to attract guarantors or leave anything as collateral to the bank. The loan is issued without collateral.

Who can get money
Age from 20 years; experience from 3 months.

What documents are needed
Passport + 1 document + Proof of income.

Raiffeisenbank loans

In Raiffeisenbank today you can get a loan for any purpose without collateral and guarantors. Up to 500,000 rubles can be taken with just two documents. All you need is a passport and proof of income. If you ask for a large amount, you will have to carry a copy of the labor. Citizens of the Russian Federation, except for individual entrepreneurs, aged 23 to 67 years old, can receive a loan.

Who can get money
Age from 23 years; experience from 3 months.

What documents are needed
Passport + proof of income.

Cash loan at Home Credit Bank

A consumer loan in Home Credit Bank can be obtained without collateral and guarantors. There is also no issuance fee. Those who have already borrowed at Home Credit Bank can count on an amount of 1 million, and new customers will be offered to first take up to 500,000 rubles for up to 5 years. The package of documents is minimal: the loan is issued according to the passport. But you can also provide SNILS, and pensioners - a certificate from the FIU. Citizens of the Russian Federation under the age of 70 with a permanent source of income can apply.

Who can get money
Age from 18 years old; experience from 3 months.

What documents are needed
Passport + 1 document + Proof of income.

Alfa-Bank loans

A loan from Alfa-Bank today can be taken without commissions and guarantors, and the rate does not depend on the availability of insurance.

Citizens of the Russian Federation aged 21 and older can receive money. It is important to have a regular income of 10,000 rubles after all taxes and a continuous work experience of 3 months or more.

Who can get money
Age from 21 years old; experience from 3 months.

What documents are needed
Passport + 1 document + Proof of income.

Sovcombank loans

Sovcombank has many loan programs for receiving money for various purposes. According to the passport, you can take a loan in the amount of up to 40 thousand rubles. And on the security of real estate, you can get up to 30 million rubles. An important advantage of Sovcombank can be considered that here you can get a loan for pensioners up to 85 years old, and no extra certificates and documents are required.

Who can get money
Age from 20 years; experience from 4 months.

What documents are needed
Passport + 1 document + Proof of income.

Bank loans Renaissance Credit

You can get money at Renaissance Credit Bank on the same day you apply. With the highest probability, the bank will approve a loan to clients aged 25 to 70 who can confirm their employment with a copy of the work book certified by the employer or an employment contract. It is good if the borrower has an income of more than 8 thousand rubles a month.

Who can get money
Age from 24 years; experience from 3 months.

What documents are needed
Passport + 1 document.

UBRD loans

The Ural Bank for Reconstruction and Development is registered in Yekaterinburg, but it has offices in many Russian cities: in Krasnodar, Nizhny Novgorod, Kazan, Samara and others. You can get a loan from UBRD by providing only a passport and a certificate of income. Clients aged 21 to 75 years old with a total experience of 12 months, 3 of which are at the last place of work, can receive money. By the way, UBRD has a special product for the elderly – the Pension loan. Pensioners can receive money only with a passport.

Who can get money
Age from 19 years old; experience from 3 months.

What documents are needed
Passport + 1 document.

OTP Bank loans

OTP Bank today provides an opportunity to issue cash loans for individuals on favorable terms. Depending on the needs of the client, the loan manager will select the most suitable loan option. Loan processing in OTP Bank is possible in just 15 minutes. Citizens of the Russian Federation aged 21 to 68 years old, including pensioners and individual entrepreneurs, can apply for money.

Who can get money
Age from 21 years old; experience from 3 months.

What documents are needed

Loans at low interest in Vostochny Bank

In Vostochny Bank, you can get the necessary amount of money without unnecessary certificates and other documents. A loan in the amount of up to 1 million rubles is issued according to the passport, the application is considered quickly, the rate is quite low.

A consumer loan from Vostochny Bank can be granted to any employed citizen of the Russian Federation aged 21 to 76 years with experience in the last place of work from 3 months.

A loan for a larger amount - up to 30 million rubles in Vostochny Bank can be obtained on the security of real estate. The loan is issued for a period of 15 years, and the interest rate in this case will be minimal.

Who can get money
Age from 21 years old; experience from 3 months.

What documents are needed
Passport + 2 documents + Proof of income.

Loan calculator: calculate payment online

How to get a low interest consumer loan

✓ First, contact the bank where you are a payroll client first. If you receive a salary on a Sberbank card, then first of all go for the money there, if you are a salary client of VTB, then act accordingly. In "native" banks, you are likely to expect lower interest rates and a minimum package of documents.

✓ Secondly, do not get hung up on one bank. Consider several options. Apply to multiple locations at the same time. Believe me, each of the banks will offer you its own interest rate and you will be able to choose the best option.

✓ Thirdly, do not be lazy to collect more documents. Many banks today issue cash loans without a certificate of income, and sometimes only with a Russian citizen's passport. This is convenient, but the interest in these cases is unlikely to be minimal. To get a really low rate, confirm your financial viability with documents: a certificate in the form 2-NDFL and a copy of the work book.

Do you know that…

A loan may be denied today due to high personal income tax

Before applying for a loan, try to at least roughly calculate your Debt Burden Index (DBL). It represents the ratio of monthly payments on loans to the total income of the client, confirmed by documents.

Today, all banks and MFIs must necessarily calculate the personal income tax of each client who plans to borrow more than 10,000 rubles. If he is high, then the money will most likely be refused.

How to calculate PDN

Banks and MFIs use a rather complex formula for calculations. But you can roughly calculate your PDN yourself. To do this, you need to divide the monthly expenses for all loans by income.

PTI = (all loan expenses for 12 months / official income for 1 year) × 100%

If you give more than half of your income to repay loans, then such PTI is considered high and a new loan may not be given.

To increase your chances of being approved for a loan:

✓ Maximize existing loans;

✓ Reduce credit card limits;

✓ Submit documents to prove income not earned at the main place of work;

✓ Find a co-borrower with a high income.

How to assess your strength before getting a loan

Before applying for a loan, it makes sense to conduct an experiment, that is, try to live for at least a month on the money that will remain after making a payment on the loan.

This is advised by the first vice president of the self-regulatory organization (SRO) "National Association of Professional Collection Agencies" (NAPCA).

So you can understand whether it is realistic to live on the amount remaining after the payment of the monthly payment or not.

Ideally, the loan payment should not exceed 30-40% of income.

Note that the above conditions and interest rates on deposits of individuals are not a public offer.