Loans have become so firmly established in our lives that many Russian citizens can no longer imagine their existence without them. But it often happens that when applying to a bank for the next or first loan, a person receives a refusal from financiers. And then the question arises - why do not they give a loan if your reputation as a borrower is positive? About what reasons can serve as a reason to refuse a client with a good credit history lend money, let's try to figure it out in more detail.

Why don't they give credit?

There can be many reasons for refusing a loan. And even if the borrower has a good credit history, it will not affect the negative decision banking organization if the client, for example, is not solvent, or has debts under previous agreements with financial institutions(read about where they give a loan with open delinquencies).

Reasons for refusing a loan

The most common reasons why a bank loan is not given to people with both bad and good credit history are:

• The potential borrower's lack of a source of income in the form of permanent job. Usually they require a certificate with the seal and signature of the employer stating that the employee has been working in the organization or at the enterprise for more than 6 months.
• Problems with documents proving the identity of the client (for example, a passport was lost, its planned replacement was not made at the age of 25 or 45).
• The person does not have permanent registration(registration) in the locality where the offices are located financial organization(for example, a resident of Chelyabinsk came to the capital and decided to take a consumer loan from the Bank of Moscow).
• The user has debts and delinquencies on previous loans.
• They can also refuse to apply for a consumer loan or mortgage if a person is a representative of one of the dangerous professions - a fireman, bodyguard, security guard, etc.
• They do not lend money even when the borrower has a large family - for example, he is a parent with many children, and his income level does not allow him to properly provide for his loved ones.
• A high probability of being rejected by a single mother raising minor child(children), even if she has a positive credit history under previous agreements with banks.

Where to apply for a loan with a good history, so as not to be refused?

However, a good reputation as a borrower for many financial companies is still one of the main conditions for registration consumer credit. It will be more difficult with a mortgage, since income is important here. They can turn a blind eye to income only if there is collateral.

Consider a list of offers from banks that provide consumer loans, with low percentage refusal to clients.

Sberbank – project “Refinancing consumer loans» lends to users on the following terms: loan amount in the range of 15,000 - 3,000,000 rubles, contract term - from 90 days to 24 years, at 12.9% per annum.

Gazprombank - offer "Loan secured real estate”(in the absence of collateral real estate, money is not given in debt), 500 thousand - 30 million rubles, up to 15 years, over 11.2% overpayment for 365 days.

Rosselkhozbank - Product "Consumer for Gardeners" offers loans individuals for personal needs in the amount of 10 thousand to 1,500,000 rubles, for a period of 24 days - 60 months, at an annual rate of 6.75%.

Raiffeisenbank - the "Personal" project is presented on the following terms: the amount is 90,000 - 1,500,000 rubles, the term is 365 days - 60 months, the rate starting from 12.9%, they do not give money to persons under the age of 21.

Alfa Bank – profitable proposition for individuals "Cash Loan", according to which you can borrow from 50 thousand to 3 million rubles, for 12 - 60 months, the annual overpayment is more than 11.99%.

To receive a loan, a potential borrower must meet certain requirements set by a particular bank.

Equally important for the approval of the application is the credit rating in the BKI. The reliability of the client is confirmed by the absence of delinquencies on previously issued loans and creditworthiness.

Factors Affecting Getting a Loan

Banks pay attention to several criteria when considering loan applications:

• age of the future client;
• citizenship;
• place of residence;
• solvency;
• credit history;
• work experience;
• marital status;
• number of children/dependants;
• the total amount of payments on all debt obligations;
• owning valuable property.

Many banks approve loans only to adult citizens of Russia. Often to get borrowed money the client must reach a certain age. For example, he enters into an agreement with persons from 21 years old, Sberbank and, and - from 22 years old.

Even if you meet the main criteria of the bank (by citizenship, solvency level and age category), it is possible to be denied a loan due to a negative credit history.

Before contacting the bank, it is recommended to order a special credit report to find out the status of your credit history and your chances of getting a loan. This service is offered by BKI and many banks, for example, Sberbank, Renaissance Credit Bank.

List of banks that offer loans with a good credit history

Most banks cooperate with clients who have a positive credit rating in the BCI.

Financial institutions do not lend money to unreliable and irresponsible borrowers who regularly make delays and often use the debt restructuring service.

• Sberbank;
• Alfa Bank;
• PJSC KB Vostochny;
• Sovcombank;
• and others.

Before applying, read the terms of credit on the official banking website, in territorial office or through a call center. Some financial institutions also provide advice through online chat.

Offers of Tinkoff Bank

You can get a loan with a good credit history without references and visiting bank offices at Tinkoff Bank.

Applications are accepted remotely - through the official website. Mandatory requirement– the age of the client is from 18 to 70 years.

Credit conditions depend on the presence or absence of collateral. A passport is enough to conclude a contract. Additional documents are presented to reduce the rate and increase the size of the loan.

Characteristics of the offer	"Bailed by an apartment"	"Bail car"	"No collateral"
loan amount	up to 15 million ₽	up to 3 million ₽	up to 2 million ₽
annual rate	from 9.9%	from 11%
terms of the contract	up to 15 years	up to 60 months	up to 36 months
collateral	apartment in MKD without encumbrances	Vehicle on the move (less than 15 years from the date of issue)	absent

Offers of Alfa-Bank

Citizens of Russia over 21 years old who have permanent residence permit, seniority from 3 months at the last job and stable income from 10 thousand rubles.

More profitable terms provided payroll clients- they have access to a loan up to 4 million rubles.

Other borrowers can count on the following lending conditions:

• annual rate from 11.99 to 23.49%;
• loan amount from 50 thousand to 3 million rubles;
• the duration of the contract is up to 60 months.

The application is submitted through the official banking website, in branches and by phone 8-800-100-20-17.

Sberbank offers

Individuals over the age of 21 can apply for a loan. If you list your wages or a pension to an account opened with Sberbank, you can get a loan from the age of 18. At the same time, at the time of repayment of the debt, the borrower must not be older than 65 years.

The following are the conditions for granting a loan from Sberbank to persons with a good credit history.

Vostochny Bank offers

Citizens of the Russian Federation from 21 to 76 years old can take a loan with a good credit history at PJSC CB Vostochny. The bank has a wide range of lending programs.

The minimum rate is 9.75% per annum. The maximum loan amount is 30 million rubles. The advantage of this financial institution is the availability of a special offer for pensioners.

Below are the terms of lending for the most profitable programs available to customers Eastern Bank.

Offers of Sovcombank

People aged 20 to 85 can get a loan with a good credit history. The bank also has a special lending program for senior citizens of the Russian Federation.

Loans from 40 thousand to 30 million rubles are available to clients ( maximum size provided with collateral) at a rate of 11.9% per annum.

The most favorable credit conditions are offered to customers:

• transferring pension payments and/or wages to the bank;
• subscribed to the Minimum Rate Guarantee service.

Offers of Home Credit Bank

At HCF Bank, you can get a cash loan with a good credit history or get a loan to buy a vehicle, complete repairs and refinance old loans.

Retirees under the age of 70 can also use special offer and take up to 1 million rubles for 7 years at a rate of 10.9% per annum.

The most popular lending program is a cash loan. It is issued for any purpose, does not require confirmation of the level of income and the search for guarantors. The conditions for issuing borrowed money depend on the status of the client.

You can find out details about each lending program through the call center and at the nearest bank office.

More about the map

• Term up to 5 years;
• Loan up to 1,000,000 rubles;
• Interest rate from 11.99%.

Loan from Tinkoff Bank

Apply for a loan

More about the map

• According to the passport, without references;
• Loan up to 15,000,000 rubles;
• Interest rate from 9.99%.

Loan from Eastern Bank

Apply for a loan

More about the map

• Term up to 20 years;
• Loan up to 15,000,000 rubles;
• Interest rate from 12%.

Loan from Raiffeisenbank

Apply for a loan

More about the map

• Term up to 10 years;
• Loan up to 15,000,000 rubles;
• Interest rate from 13%.

Loan from UBRD Bank

The population of our country is getting used to living "on credit". However, sooner or later there comes a moment when a credit institution refuses a loan without explanation. That's when a potential borrower may find himself in difficulty and bewilderment - why did he get a refusal if he repaid his loans on time and in full? There are many reasons why a citizen with a good credit history is not given a loan - they will be discussed in the article.

Solvency

The main point on the basis of which the bank makes a decision on issuing a loan. By default, loan tranches should not exceed 30-50% of total income for 3, 6 or 12 months. Other factors are taken into account: the presence of dependents, property, arrears in utility bills or other loans, etc. The larger the required amount, the more carefully the borrower's solvency will be analyzed. When applying for a mortgage or a car loan, they will take into account not only the current, but also the expected well-being - for example, the bank will consider the average market level of salaries in a particular specialty in case the borrower changes jobs.

If you want to take a large loan, experts recommend attracting co-borrowers and guarantors. This will give the bank an additional guarantee of the return of their funds.

Age

Many banks do not give loans to people under 23 and over 70. Exceptions can only be made for mortgage loans- they can be given to young people who have reached the age of 18. The reason is simple - the bank will have an apartment as a pledge, the sale of which is guaranteed to cover the losses of the institution.

Experience and place of work

Some banks refuse to issue loans to individual entrepreneurs - there is still such a stereotype that financial stability individual entrepreneur leaves much to be desired. And if the borrower himself is an individual entrepreneur, here you can expect a 100% refusal. LLCs and JSCs are more favored.

Work experience in one place also plays a significant role in making a decision on issuing a loan. It is believed that if a person works in one place for a long time, then they highly value him there and are not going to dismiss him in the near future. Usually the bank puts forward a requirement - at least 6 months of experience at the last place of work.

Dangerous profession

Credit organizations often refuse loans to owners of dangerous professions. These include firefighters, policemen, security guards, bodyguards, etc. It is believed that during the performance of official duties, the borrower may lose health, and even life. The bank practically loses hope of returning its funds.

True, in Lately banks began to issue loans only on the condition of registration of health and life insurance - upon the occurrence of insured event The damage is covered by the insurance company.

Purpose of the loan

The bank may refuse to provide funds even when the purpose of the loan does not correspond to a particular loan. Simply put, if someone wants to take out a consumer loan for commercial purposes He will definitely get rejected. For business, credit institutions have developed special programs with a specific package required documents. The same will happen to those who take out a business loan to refinance their other debts.

Having a criminal record

As a rule, banks are very reluctant to give loans to persons with even an extinguished criminal record. If the conviction is open, then the refusal is guaranteed.

Not even convicted individuals when applying for big loan will definitely check. And if someone with a criminal record is found among the next of kin of a potential borrower, there will probably be a refusal.

False Information

When applying for the issuance borrowed money false information is unacceptable. All information is easily checked by professional staff, and any - even the smallest - discrepancy with the specified data may be the reason for refusal.

Bad credit history or lack thereof

Even the lack of a credit history can lead to a refusal to receive a loan. The logic of bank employees is simple - if a person has never taken a loan, no one knows how disciplined he will repay it. You should know that each refusal is recorded in the credit history. It turns out that the more someone wants to take a loan and turns to credit organizations, the more failures it has. Experts advise to "grow" your credit history - first take a small amount, pay it off in time and ask for another, already more. All .

Those who have always been a disciplined borrower can also become owners of a bad credit history. People work in credit bureaus too, and they can make mistakes. One wrong letter, for example, in a surname - and a person becomes the owner of someone else's information. Therefore, before contacting the bank for a large amount, it is recommended that you do not get a refusal. If such an inaccuracy is found, it should be corrected immediately by contacting the BKI.

Reasons for rejection include the following:

• lack of landline telephones - work and home;
• frequent loans with early repayment;
• the presence of mental or chronic diseases;
• citizenship of another state;
• social status - for example, pregnant women are not considered a reliable category of borrowers;
• unstable financial situation of the employer;
• temporary registration.

What to do in case of refusal

Legislatively, the bank has the right to refuse to receive a loan without giving reasons. You can take the following steps:

• Contact a lesser-known credit institution - if one of the giants refused banking sector, ask at the bank that is not so high in the rating of the Central Bank. True, it is unlikely that there will be such favorable conditions there - as a rule, such organizations cannot afford a low interest rate when issuing loans.
• Once again, carefully study the documents provided to the bank - perhaps an unfortunate mistake crept in there, which the employee considered to be false information.
• You should try to lower the requirements - ask for a smaller amount.
• In cases where the previous option does not work and money is needed in a strictly defined amount, many decide to ask relatives for help. If a loved one has a good credit history, high salary and stable financial position, then the possibility of obtaining the necessary loan increases significantly. True, not many have recently decided to take such a step.

And the last thing: if you still failed to get a loan, you should think - is it really necessary? Maybe something from above saves you from a wrong step and “credit slavery”?

The borrower's credit history is considered the most important indicator assessment by the bank of the reliability of the transaction. Having a high-quality history, it is always easier for a borrower to count on concluding a deal with a bank for issuing a loan.

Conditions

The conditions for issuing a loan with a good credit history of the client are as follows:

• loans are issued by both banks and microfinance companies;
• to obtain a loan, it is necessary to confirm the presence of citizenship of the Russian Federation;

• to obtain a loan, the borrower must be between the ages of 23 and 70;

• lending amounts depend on the provisions adopted in a particular lending structure;
• loans are issued for a period of several months to 20 years;
• in order to obtain a loan from banks, borrowers are required to confirm that they have a stable source of income;
• the procedure for repayment of debts on loans is established depending on the provisions of bank lending programs;
• transactions can be concluded with or without collateral;

• in most cases, the borrower is required to officially confirm that he has a source of permanent income;

• loan processing is possible when applying for the issuance of money at the office of the lending institution or on its official website.

How to apply?

Loan processing begins with the client sending an application for its issuance. This can be done at the office of the company issuing loans, or on its official website. At the same time, a questionnaire with the recipient's personal data is submitted as an accompaniment.

Also, the client should prepare documents in advance for consideration by the party that will issue the loan.

After a bank or other lending company assesses the possibility of giving money, a decision is made. If the application is approved, the transaction can be completed at the lender's office.

Loans are issued with or without collateral. In such cases, the client is required to provide documents for the pledged property.

In addition, in some cases, banks require the amount of the initial payment when applying for a loan by the borrower.

Where to get?

It is possible to take a loan with a good credit history in every bank in the country:

Bank	Sum	Timing	Bid	Notes
Sberbank	From 50,000 to 3,000,000 rubles	From 3 months to 20 years	From 12% per annum	Permanent borrowers have privileges in the bank, manifested in a reduced value interest rate
VTB 24	From 150,000 to 4,500,000 rubles	From 6 months to 15 years	From 13 to 38% per annum	Confirmation by the borrower that he has a stable source of income is required
Alfa Bank	From 100,000 to 5,000,000 rubles	From one year to 10 years	Up to 45% per annum	In some cases, it is possible to close the debt ahead of schedule with an additional fee
Rosselkhozbank	From 50,000 to 8,000,000 rubles	3 months to 5 years	From 15 to 34% per annum	The borrower has the right to attract co-borrowers under the transaction, but not more than two
Gazprombank	From 65000 to 10000000 rubles	From 3 months to 15 years	Up to 20% per annum	The placement of material collateral is allowed as a means of ensuring the reliability of the transaction

Cash loan with a good credit history

Cash loans of this category can be issued by the country's banks.

The following suggestions are worth noting:

1. Yugra Bank. The bank lends money in cash from 30,000 to 500,000 rubles, for a period of five years. The rate at the same time is 16% per annum, you can repay the debt in a way agreed in advance.
2. Tinkoff Bank.
   

   IN bank Tinkoff cash loans are issued in the amount from 65,000 to 350,000 rubles.

   You can apply for a loan for a period of up to 3 years, while the rate is 18% per annum. The transaction is concluded within a day from the date of application.

3. Citibank. Citibank issues cash loans to borrowers for terms ranging from one to five years, at 22% per annum.
   

   The loan amount is from 100,000 to 550,000 rubles.

   In case of repayment before the due date, the bank does not take additional commissions in its favor.

Without references

Loans without certificates are provided by banks to trusted clients, as well as microfinance companies.

Suggestions include:

1. VTB 24. You can take a loan without bank statements for the amount up to 200,000 rubles, up to two years. Rate in this case be from 13 to 35% per annum.
   

   The Bank may require the placement of collateral as a means of securing the security of the transaction.

2. Credit-24. This microfinance company issues a loan without references within 24 hours for amounts up to 150,000 rubles. The rate is up to 45% per annum, the terms of issue are limited to three years. Proof of client income is not required.
3. Alfa Bank.
   

   In this bank, borrowers with a verified credit history will be able to take out a loan without references for the amount up to 250,000 rubles for three years.

   The rate will be 35% per annum. The repayment procedure is agreed with each borrower individually.

Fast

You can get a loan quickly in a microfinance company. The time from filing an application to making a decision on extradition can be up to half an hour.

Among the proposals are the following:

1. Monisto. This company studies the application and makes a decision on extradition within 15 minutes.
   

   The transaction amount does not exceed 100 000 rubles, the money is issued for a period of up to a year.

   The rate is agreed individually.

2. Fast Money. A loan in the company can be issued in ten minutes, the amount of the transaction is limited 50 000 rubles for half a year. If desired, the borrower can renegotiate the contract for the same amount and term after repayment of the current loan.
3. SMS Finance. The company issues loans half an hour after the borrower submits an application for issuance.
   

   The amount does not exceed 120 000 rubles for six months, the rate reaches 60% per annum.

   You can repay by payments from the borrower's e-wallet.

On the map

Credit cards are issued by both banks and microfinance companies.

The following proposals stand out:

1. Sberbank. Bank customers can get a loan on a card for amounts up to 6,000,000 rubles, at 18% per annum. Loan terms range from one to five years. Repayment is possible both in cash and by payments from the bank accounts of the borrower.
2. E-cabbage. This MFI issues loans to the card of any bank. The transaction amounts are up to 350,000 rubles, with a maturity of five years and a rate of up to 26% per annum. It is possible to extend the term by agreement of the parties.

Why can they refuse a loan if the credit history is good?

The reasons for refusal to issue a loan with a good credit history of the borrower may be as follows:

1. The client may not have the work experience required by the bank to conclude a transaction.

2. The Borrower may have provided its personal data with an insufficient degree of accuracy.

3. The client may not have the required amount of income.
4. Perhaps the required security deposit was not paid in a timely manner.
5. The client does not inspire confidence in the lending structure.
6. In cooperation with separate categories clients, in particular with pensioners or people with disabilities, the lending company assumes increased risks when entering into transactions.

Interest rates

Interest rates on the loans in question depend on the profile of the company that deals with the transactions, as well as on its conditions.

Banks issue loans at rates ranging from 12 to 35% per annum; in MFIs, transactions can be concluded at rates up to 60% per annum.

Requirements for recipients

Lending companies set some requirements for recipients:

1. The client is obliged to have Russian citizenship.
2. The age of the client must be between 23 and 70 years old.
3. The borrower must have a permanent job.

4. The level of income of the borrower must not be lower than requested by the bank.

5. The borrower is obliged to send an application to the bank or MFI to receive money.
6. The borrower's documents must be prepared and submitted to the lender for verification.

Documentation

To obtain a loan, the following documents are required:

1. Application for a loan.
2. Passport indicating the residence of the client at his place of residence.
3. Information about the place of work.
4. Income document in the required form.

5. Evidence of the borrower's ownership of the object placed as collateral, if any.

6. Any other documents requested by the lender.

Maximum and minimum amounts

Loan amounts are set by the terms of the institution that issues them.

The minimum amounts are defined within from 50,000 to 100,000 rubles.

Upper limit credit limit located at the level 8,000,000 rubles.

Terms of submission

Loans are issued for periods determined by the policy of the lending company.

On average, the terms of their issuance range from several months to 20 years.

Debt repayment methods

Creditors accept the following methods of liquidation of debt:

• in cash to the cashier of the company that gave the loan;
• non-cash payments from the borrower's accounts in other banks;
• transfers of funds from the client's electronic wallet;

• payment of the entire amount of the debt before the deadline specified by the agreement;

• through ATMs or bank terminals.

Advantages and disadvantages

These loans have their pros and cons.

The first ones include:

1. The ability to quickly receive money from a bank or MFI.
2. Loyalty of most organizations to customers.
3. The reality of repaying the debt ahead of schedule without extra fees.
4. Variety of debt repayment options.
5. The possibility of attracting guarantors under contracts.
6. Loan terms are flexible and can often be extended.

Among the disadvantages of such loans are:

1. Inability to get a loan without proof of source of income.
2. Difficulties in obtaining from people who do not have a job.

3. Obligation to provide your personal data to the bank at the beginning of cooperation with it.

4. Violations of the quality of the borrower's credit history when he fails to fulfill his obligations to repay credit debts.

A client with a good credit history is a welcome client for any bank. We have compiled for you a list of the best banks where you can get a loan with a good credit history with a low interest rate - from 9.9% per annum, banks from this list require minimum package documents, do not require collateral and the presence of guarantors.

Please note that this list does not include proposals for credit cards, since a good credit history is not as important for obtaining a credit card as for obtaining a consumer loan. See all offers on loans and credit cards with the lowest possible interest you can.

Post Bank makes it possible to borrow up to 1.5 million rubles under 12.9% per annum for up to 5 years only with a passport and SNILS. If the bank has not approved such a rate, then when repaying the loan without delay, it will recalculate the entire loan at 12.9% and return the difference to you in cash. It is desirable that the work experience in the last place be at least 6 months.

Promotion for pensioners and Post Bank cardholders: the loan rate will be from 10.9% per annum.

Tinkoff Bank also recently launched, and offers to take a loan of up to 2 million rubles under 12% per annum without certificates and guarantors. Registration takes 5 minutes, after which you will receive a card from which you can withdraw cash without commission.

Residents of Moscow and the Moscow Region can apply long-term loan(up to 15 years) in the amount of up to 3 million rubles. For customers with a good credit history, the rate is 10.9% per annum. At the same time, the MKB can issue a loan even to a borrower at the age of 18.

Of the documents you need a passport and a second document to choose from.

You can get from 50 thousand to 1.5 million rubles in cash or refinance a loan up to 2 million rubles for up to 7 years at. The bank lends at a fixed rate 11.9% per annum with insurance, without insurance 17.9% per annum.

The age of the client must be from 23 to 70 years old, the length of service at the current place of work is from 3 months.

You can apply for a loan by filling out an application through the State Services, in this case there are more chances for loan approval. The loan rate is from 10.5% to 24.9% per annum, and the amount - up to 5 million rubles for a period of up to 5 years.

The bank wants to see among its customers persons aged 27 to 55 with a regular source of income. Of the documents, a passport and a second document of your choice are sufficient (SNILS, visa, passport, etc.).

Calculate loan

Conclusion

It should be noted that the interest rate on loans often depends on the number of documents that the borrower provides to the bank - the more documents, the lower the rate.

We advise you to send loan applications to banks one by one, receiving a loan decision. First, choose a bank with the most suitable conditions for you, if you suddenly get a refusal (this happens even with a good CI), then move on to the next one. This way you can choose the best offer.

For your information:

Why not give a loan with a good credit history?

Some banks do not give loans to borrowers with a good credit history who have previously repaid loans ahead of schedule. This is due to the fact that banks want to earn on the borrower, and early repayment credit reduces their profits. As a rule, medium-sized banks adhere to such tactics, in banks from our list you can get a loan with a good credit history without refusal, these banks are among the TOP largest banks in Russia.