A passport loan is available to adult borrowers with a good credit history and stable level earnings. To count on receiving a loan only with a passport without certificates and guarantors with a low interest rate, try to apply for a loan in that financial organization, through which wages are calculated.

Requirements for the borrower

To receive a loan without a passport income certificate, the borrower must meet the following requirements:

• Availability of Russian citizenship;
• Be registered in the region where the bank operates;
• Have a positive credit history.
• The length of service at the last job was at least 6 months, and the total length of service was at least one year;
• Have a stable income sufficient to fulfill loan obligations.

One of the advantages of obtaining a loan using a passport is the fact that you can submit an application online and find out the bank’s preliminary decision within a few minutes after filling out the application form on the website credit organization. For this:

If you are already a client of the bank, you do not even have to visit its office - the borrowed money can be transferred to your debit card or delivered by courier at any time convenient for you.

How is the loan repaid?

A loan on a passport without income certificates is repaid with monthly annuity payments by replenishing credit account borrower. Account replenishment methods:

• In cash through ATMs or cash desks of a credit institution;
• By bank transfer from the accounts of another bank;
• By transfer from your debit account at the creditor bank;
• Automatic debiting of funds from wages;
• In terminals, communication shops, in Russian post offices by number loan agreement.

In what cases should you not take out a loan using only your passport?

• If you can verify your income. Having a certificate of income will significantly reduce the interest rate on the loan and will allow you to obtain a loan for more favorable conditions.
• If you need a loan for a large sum. In this case, the bank, firstly, may refuse the borrower a loan, and, secondly, even if the application is approved, it will offer a loan with a higher interest rate. To obtain a large loan from a bank, it is recommended to apply for a loan with a guarantee or collateral.

Our site provides great opportunities for those who want to take out a cash loan using a passport. Here you can get information about companies providing quick loans, their ratings and popularity among clients. Additionally, you will be able to understand what it will take to get cash quickly and online.

Cash loan: what is the advantage?

An urgent cash loan is an opportunity to get money for urgent expenses, for example, purchasing some goods, repairing a car, or paying for a vacation. This method of receiving money is convenient for those who do not have open account And bank card: All you need is a passport and an Internet connection. In just 15 minutes you can get urgent express loan which will allow you to solve money problems.

Modern microfinance companies offer many options for receiving money on a cash loan. Moreover, each organization has its own requirements.

1. The terms of the loan stipulate only the amount and term of its receipt. The loan interest rate has minimum and maximum limits, and therefore the exact percentage is determined based on how much loan is taken and for what period. If cash loans on the day of application are taken for a short period and the amount is small, then the interest will not hit your pocket. You can take out a loan for a period from one day to a calendar month.
2. The loan amount requested from a microfinance company can vary: from 500 rubles to several thousand rubles.
3. The requirements for borrowers in most companies are the same: Russian citizenship, age 18-65, registration in the region where the loan is taken. Some banks may require confirmation of the borrower's ability to work and the presence of a stable income that is sufficient to pay the loan.
4. To get a quick cash loan, you only need to provide your passport. As additional documents the bank may require the provision of a TIN certificate, foreign passport, military ID, etc.

An application for quick money is considered from a few minutes to a day. If the application is accepted, the company draws up an agreement under which cash is issued.

How to get and repay a loan

Modern microfinance companies are ready to provide loans in the following ways:

• through a transfer system (for example, CONTACT),
• at the company office,
• courier to your home.

You can also repay your loan very simply:

• through money transfer systems (CONTACT),
• through payment terminals, for example, QIWI (Qiwi),
• at the post office,
• via bank transfer.

Previously, it was virtually impossible to receive it from Russian banks on the day of application. It took several days for employees to check their credit history and calculate the scoring score. Because of this, citizens in urgent need of money were forced to look for alternative options. Today you can not only get the required amount in your hands in 1 day, but also take advantage of the offer with a bad credit history.

Conditions for obtaining a loan

A loan without certificates and guarantors in cash on the day of application can be issued if you need money quickly. It is easy to increase your chances of approval if you provide reliable information about yourself, be solvent, and have an official place of work. Sometimes it is enough not to provide a certificate, but to indicate the telephone number of the employer or direct management.

If you decide to take money for the first time, the amount will be small, about 30-40 thousand rubles. Interest rates start at 7.9% per annum, but are selected individually depending on how well all conditions are met. A consumer loan in cash on the same day using a passport without income certificates in 2020 can be issued for a period of 3 years or more.

Which banks give cash loans same day using a passport?

The fewer opportunities the Bank of Russia has to check the input data, the higher the rate and the likelihood of commission fees. If payments on the first payment were made on time, re-lending is provided under better conditions. You can find an option in the following institutions:

• Eastern Bank;
• Opening;
• Rosbank;
• Renaissance Credit;
• Promsvyazbank.

An urgent loan online in cash on the day of application without certificates from these institutions does not imply a guarantee or a report on the funds spent in the future.

How to get a cash loan on the same day online?

You can get a loan on our website in 1 day, if you spend a little time comparing the offered options:

1. Use an online loan calculator to find an offer that meets your requirements.
2. Compare amounts, terms, rates and monthly payments.
3. Submit an online application for a loan the same day, indicating the maximum amount of information about yourself.
4. Wait positive decision, bring the documents to the bank or send scans of them.
5. Get the money, start paying off the loan according to the payment schedule.

Where else can you get a cash loan using your passport on the same day of application without certificates?

If banks refuse, you can take out a loan by contacting an MFO. Under the “Loans” tab, study the offers and

When choosing a loan, especially if you want to get everything done quickly and with a minimum of documents. While you take the 2-NDFL certificate, while you make a copy of the work book and have it certified, while you look for which second document is suitable for a particular organization, 3-5 days may pass. Can't wait that long? Here is a list of 10 banks where you can only borrow money using your passport. You will not need any other documents.

In these banks, you only need a passport for a loan

In Promsvyazbank, HomeCredit and ATB (Asian-Pacific Bank) it is now up to 10%, and in Tinkoff and Touchbank you can get money without even visiting the office, since the application is sent via the Internet, and the card from which you can withdraw cash will be brought by a courier . In Vostochny there is the largest limit on issuance, up to 15 million, and in SKB, although high rate, but it is possible. From the age of 18, cash will be issued by MKB and Tinkoff. Post Bank works with all categories of the population, UbRiR very quickly approves applications on the same day, and you can get HomeCredit.

Promsvyazbank - 9.9% with a good history

• Amount: From 100,000 to 3,000,000;
• Term: From 1 to 12 years;
• Interest rate: From 9.9% to 14.9%;
• Age: 22-65 years;
• Probability of approval: 65%.

Nai Better conditions Promsvyazbank offers those who receive salaries on their cards or work in a reliable and trusted company. But also to the rest consumer loan issued for any purpose for 1 visit to the office directly on the day of application. You can fill out the form online, and after receiving approval, you can visit the bank, sign an agreement and withdraw the money. The company is large, so you should only apply with a good history.

Touchbank - up to 1,000,000 online

• Amount: From 10,000 to 1 million;
• Duration: From six months to 5 years;
• Interest rate: From 12.9%;
• Age: 21-65 years;
• Probability of approval: 85%.

Touchbank is a convenient online project, a daughter of the famous Russia OTP bank, offers to issue cash loans and credit cards online only with your passport, without leaving your home. The courier will bring the card himself Touch bank to your home, and you will be able to choose how to manage the approved amount of the consumer loan - receive it in cash or use it as credit limit for purchases with a card. In the latter case - up to 61 days of the grace period.

MKB - from 9.9% without insurance and commissions

• Amount: From 750,000 to 5 million;
• Term: From 1 to 5 years;
• Interest rate: From 9.9%;
• Age: from 18 years old;
• Probability of approval: 90%.

The main advantage of Moscow credit bank— issuing loans not just with one passport, but from the age of 18, from adulthood. In some cases, they can also apply for a younger age, but here guarantors will be needed.

For the first three months you can use the promotion " credit holidays» reduce loan payments - if it is difficult to pay a large amount at once.

The application form will be considered for no more than an hour, after which you can go to the company branch with your Russian passport to sign an agreement and receive cash.

Post Bank - cash close to home

• Amount: From 300,000 to 1.5 million;
• Term: From 1 to 5 years;
• Interest rate: From 10.9%;
• Age: from 21 years old;
• Probability of approval: 87%.

An important point - in Post Bank you will also need SNILS to receive money. But this should not be a problem - everyone has it.

The decision is made in just 1 minute. You can now submit a form via the Internet and within half an hour come to the nearest office to collect money.

It’s convenient to take money close to home, since there are branches in almost every Russian Post office, and you can apply for a loan right now, receiving a loan using your passport on the day you apply.

Issued to all citizens of the Russian Federation from the age of 21. They check your credit history, but don’t refuse it even if it’s damaged. True, the rate will already be from 15% to 20% per annum. The most important thing is that there are no large debts or long open arrears.

Home loan - issuance on the day of application

• Amount: Up to 1 million;
• Term: From 1 to 5 years;
• Interest rate: From 7.9%;
• Age: from 22 years old;
• Probability of approval: 73%.

They issue loans based on your passport, without requiring other documents, including income certificates. But official work and at least six months of experience is required - information about the employer is checked, and if you provide false information, you will be denied a loan.

It is necessary to indicate a landline telephone number: work, home, or at least your immediate family. You also need Russian citizenship, registration in the region where you are applying for a loan, and an age of 22 years or older.

The most important: they refuse to issue customers with bad story. If you currently have, or even have had in the past, large debts and late payments, it is better to look for more.

And if you previously paid off your debt on time, you can get from 7.9%

Tinkoff - 12% on a passport without a visit to the bank

• Amount: Up to 1 million rubles;
• Duration: From 3 months to 3 years;
• Interest rate: From 12% to 24.9%;
• Age: 18-70 years;
• Probability of approval: 90%.

Tinkoff Bank is purely virtual, it does not have an office that you can come to. That’s why he issues express cash loans in the same way as Touchbank – he delivers a card with money to your home by courier. If you take out a loan, they issue you a debit card from which you can withdraw money from an ATM of any bank. If a credit card - up to 55 days Grace period. Offers loans from 18 years of age.

SKB-bank - loan based on 1 document with bad CI

• Amount: From 50,000 to 100,000;
• Duration: Up to 3 years;
• Interest rate: Up to 59.9%;
• Age: 23-70 years;
• Probability of approval: 90%.

The high interest rate, which can reach 59.5% per annum, is compensated by the fact that SKB Bank only issues loans based on a passport without a credit history. You can also handle delays - the probability of approval is lower, only 60%-70%, but it is there.

Eastern - without refusal at 9.9% per annum

• Amount: From 25 thousand rubles to 3 million;
• Duration: From 13 to 240 months;
• Interest rate: From 9.9% per year;
• Age: 20-65 years;
• Probability of approval: 95%.

The most high probability cash loan approval in Vostochny, it reaches 95%. You can apply here with a bad CI or without it at all, if you have never taken out loans before in your life. True, although formally you can get up to 15 million rubles, with a passport they only issue amounts up to 200 thousand. The company makes a decision in 15 minutes, the money can be taken today.

UbRiR - approval almost without refusal

• Amount: From 50,000 to 1 million;
• Duration: From 3 to 7 years;
• Interest rate: From 9.5%;
• Age: from 21 to 75 years;
• Probability of approval: 96%.

UBRiR issues loans to all Russian citizens aged 21 to 75, including students and pensioners, and not just working people.

Minimum bid available only for amounts up to 200 thousand rubles; if you need more, contact other banks, as here the percentage reaches 22%.

A decision on your application is made, after a call from the manager or an SMS with approval, you can go to the nearest office to sign a loan agreement and receive cash.

They are ready to issue up to 300 thousand rubles only based on a passport; above that, you will need to edit 2-NDFL or other options for confirming income.

They lend to employees and... For the former, the requirement for experience is from 3 months, for individual entrepreneurs - from 1 year. They do not cooperate informally with the unemployed and the employed.

ATB - with work experience of 1 month at 9%

• Amount: Up to 700,000;
• Duration: From 13 months to 5 years;
• Interest rate: From 9%;
• Age: 23-65 years;
• Probability of approval: 80%.

An important nuance: they will not give a loan. But having only 1 month of experience is not a difficult condition to fulfill. The Asia-Pacific Bank has many branches in Siberia and the Far East, but it also has one in Moscow. The probability of approval is only 80%, but with a good credit history, problems do not arise in 98 cases out of 100.

Where can I get a loan using my passport if the bank won’t give it?

In addition to these ten banks, there are others that issue express loans using one document. But what if three or more organizations have not approved your loan? Try further, get refusal after refusal and ruin your credit history? This is not an option. Wait until you have more experience or a higher salary? It’s possible, but what if you need cash today? All that remains is to apply to microfinance organizations that do not impose such high requirements, are also ready to issue money online and only with a passport on the day of application and turn a blind eye to your credit history. Here are 5 options:

1. — loans up to 30,000 per card, issued online with a decision in 15 minutes. Exactly 1% per day;
2. — there is now a promotion where you can take out your first loan. The largest, proven and reliable MFO in Russia.

“I urgently need money!” - This is probably the most frequent request from our clients. If we are talking about amounts up to 300,000 rubles, then quite a few microfinance companies can offer money on the day of application without certificates or guarantors, although the interest on these loans sometimes exceeds 1000% per annum. If we are talking about an amount of 300,000 rubles - 1,000,000 rubles, such a loan can be obtained on the day of application only if you pledge your car to a pawnshop with interest rates reaching up to 100% per annum. You can get a term loan in an amount of more than 1 million rubles only if the loan is secured by real estate collateral. The Credit Laboratory works specifically with urgent loans of more than 1,000,000 rubles.

We offer to get an urgent loan without certificates or guarantors, with any credit history at a rate of 21% per annum in rubles on the day of applying for a loan secured by real estate. You will receive the money on the day you sign the loan agreement!

This unique offer is possible thanks to electronic registration pledge agreement in one day with the help of a notary; this service can currently be obtained only from ten notaries in Moscow.

Features of an urgent loan

• the loan amount is limited only by the value of the collateral;
• with any credit history;
• without proof of income;
• for a period of up to 15 years;
• decision and response immediately after the request.

With all this, you should not count on a large loan amount on the day of application, there are no miracles in this matter, either a small amount and crazy interest rates, or securing the loan with liquid collateral.

Advantages of an urgent loan

“Credit Laboratory” offers to take out a loan of 1 million rubles or more secured by real estate, in which case you are guaranteed to receive:

• urgent loan decision immediately, on the day of application;
• low loan rate from 16% to 24% per annum in rubles;
• large loan amount;
• small monthly payment
• comprehensive assistance in obtaining an urgent loan

As they say, there is no such thing as fast and cheap, so if you were promised to receive a large amount on the same day of application with a low loan rate, then you are being misled. If you need an urgent loan on favorable terms, welcome to the Credit Laboratory!

Urgent online loan on a Sberbank card with a bad credit history without refusal”, “I urgently need money!” - these are probably the most frequent requests from our clients. If we are talking about amounts up to 300,000 rubles, then quite a few microfinance companies can offer money on the day of application without certificates or guarantors, although the interest on these loans sometimes exceeds 1000% per annum, and there are no guarantees if credit history rate it bad and they will refuse. If we are talking about an amount of 300,000 rubles - 1,000,000 rubles, such a loan can be obtained on the day of application only if you pledge your car to a pawnshop with interest rates reaching up to 100% per annum.

You can get a term loan in an amount of more than 1 million rubles only if the loan is secured by real estate collateral. The Credit Laboratory works specifically with urgent loans of more than 1,000,000 rubles.

Advantageous offer from the Credit Laboratory

Unfortunately, there are a lot of unscrupulous brokerage and investment companies they are trying to get their hands on borrowers who need a loan very urgently, because in such a situation the borrower is ready for any conditions in order to get money as quickly as possible.

Such borrowers most likely find themselves in difficult life circumstances forcing them to look for an urgent loan, and in most cases they find money on enslaving conditions, which in the future can result in serious losses.

If you want to take out a loan urgently today on favorable terms, contact us. We are pleased to offer our clients the best loan conditions in Moscow. You will receive a loan urgently, profitably, and safely.

Just fill out the form online applications for an urgent loan, in order for our employee to contact you, enter your personal data into the interbank scoring system and give you an answer immediately after verification.

If the decision is positive, we prepare Required documents For quick registration loan. And we directly issue a loan, you will be able to receive money immediately after registering the collateral. In some cases, we issue part of the money as an advance on the day of application.

Bank lending programs

PJSC "VTB Bank"

Amount: up to 3,000,000 rubles
Interest rate: from 14.5%

Send a request

JSC Alfa-Bank

Alfa Bank

Amount: up to 2,500,000 rubles
Interest rate: from 15.9%
Loan term: from 12 to 60 months

Send a request

PJSC "Sberbank"