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How to get a consumer loan

Consumer cash loan – convenient way resolve any financial tasks and realize your plans. Loan funds are provided in cash and can be spent on absolutely any need without discussing with the bank intended use money.

An online application for a consumer loan greatly simplifies the procedure for applying for borrowed funds. It is necessary to fill out a special questionnaire form and send it remotely in order to immediately find out the bank’s decision on the possibility of issuing the requested amount.

The main task of each borrower is to find a profitable consumer loan so that it is comfortable not only to receive it, but also to repay it without putting an extra burden on the family budget.

Which bank is better to take out a consumer loan?

The first question that torments a potential borrower is where to get a consumer loan, because in each city there are several banking structures offering such miscellaneous loans. Dozens of lenders, hundreds of products – how to choose?

Rates by consumer loans in banks can be quickly compared using numerous online resources, which contain information about all current offers for financing individuals. But the most profitable solution would be to contact a bank you already know, where you have previously taken money or have a deposit, or receive a salary.

Refinancing of consumer loans

Even if you have already taken out a loan for not very favorable conditions, you can still beat the odds - just take out a consumer loan under low percentage to pay off current debt.

Choosing an offer for loan refinancing is very simple, you just need to calculate a consumer loan and find out the full cost of using borrowed funds, compare the products of different banks and apply for the best option for refinancing.

Types of consumer loans

Borrowed funds can be issued to individuals under various credit programs. They differ in their parameters - a consumer loan can be issued without collateral or with collateral, guarantee and insurance.

A consumer loan secured by real estate is accompanied by a large number of formalities, but its cost will be less than without a secured loan. Having guarantors will also increase the chances of borrowing money profitably.

Consumer loans without income certificates will be more expensive than loans that are issued upon presentation of a voluminous package of documents.

Consumer loan terms

Any online consumer loan has a list of the following characteristics:

Amount The amount depends on many factors (collateral, reputation of the borrower and his solvency) and can vary from several thousand to 1-3 million rubles; Term The repayment period is set taking into account financial flows client and can reach several months or 1-5 years; Bid Interest rate assigned by the lender based on an analysis of the application and the characteristics of the borrower himself.

The complete absence of repayment guarantees increases the risks of the lending bank, and therefore a consumer loan without certificates is easy to obtain. It is more affordable, but the rates on it will be higher, and the amount offered and the return period will be shorter.

Consumer Credit Law

Full-fledged the federal law, which establishes the parameters of relations between borrowers and lenders, appeared in Russia quite recently - in July 2014. Those wishing to apply for a consumer loan will find information about all the basic aspects of such transactions. This document contains provisions on borrowing conditions.

It is important that low rates for consumer loans are regulated by this law - it specifies the limitation full cost loan, which is limited by the average market rate. From July 2015, banks will not be able to increase the PSC by more than a third of the average value. Normative act protects the interests of the borrower on other issues.

Often, a loan is the only possible way solutions financial problems. Also exactly Bank loan can help you make a large purchase without waiting for the required amount to accumulate. In this regard, it is important to choose favorable terms for a cash loan from the best banks for a consumer loan.

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

The processing time for applications is especially important for those who need money urgently. It usually takes the bank several days to make a decision. However, there are offers where a cash loan is issued on the same day of application within a few hours.
The number of documents required to obtain. The fewer work certificates and other supporting documents required, the faster and easier it will be to receive money.
Low rate. If you manage to get a cash loan at a low interest rate, you can count on a smaller payment for the same terms and amount. In addition, this will help save your budget by reducing overpayments.
IN Lately many banks provide the opportunity to come to the office only to apply for a loan, when it has already been accepted positive decision. In this case, an online application is submitted, which significantly saves the borrower’s time.
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 get a cash loan?? Before answering this question, you will have to study the offers that are on the market. They should be compared based on the criteria discussed above.

Due to the huge number of banks with different conditions, it can be difficult to compare them yourself. 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 conducts its business entirely online. Getting a cash loan online is very easy here. After submitting an application on the website, 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 travel anywhere. After approval of the application, a bank specialist will come to a convenient address, sign the agreement and issue debit card with credited money.

Alfa Bank is a well-known bank with favorable conditions

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

You can borrow cash from this credit institution without collateral or guarantors. From 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 a work permit, you can provide a title card for a car or a foreign passport with marks of travel abroad.

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

OTP Bank - consumer loan up to 750 thousand

At 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, all you need to do is come to the nearest bank office, of which there are quite a few throughout our country. The decision to issue is made very quickly, so that within a few hours you can receive the necessary money.

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

have an undamaged credit history;
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 mobile device, you can not only find out where the nearest bank office or ATM is located. The application reminds you to pay the loan. Now there will be no delays!

Housing Finance Bank - 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 next bank in the ranking - Housing Finance Bank. In this credit institution, you can get a large loan of up to 8 million rubles at a small interest rate (12.49%) without collecting certificates and guarantors. The only thing is that the loan is issued on the security of residential real estate. Due to the fact that collateral is used when lending, there is a greater chance of getting such a loan than without collateral.

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

To take out a loan from a bank, just fill out online questionnaire on the bank’s website and get a decision literally immediately. The only limitation is that you can get a loan only in some major cities(look on the bank's website).

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

For those who want to get a loan as quickly 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, get cash possible on the same day. By the way, if you apply online, you can get a discount on the interest rate. If the client wishes, everything Required documents, and the money will be delivered to him at a convenient address. Thus, to get a loan from Vostochny Bank, you don’t need to leave your home at all.

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

Raiffeisen Bank - consumer loan for any purpose

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

The loan is issued very quickly. Once the application to the bank is submitted on the website, no more than an hour will pass before a decision is made. If you do not have the time or desire to go to the bank’s office, you can invite a specialist to draw up the agreement at your home or office.

Renaissance loan - cash loan on favorable and flexible terms

Renaissance Credit provides clients with the opportunity to obtain a loan quickly and without problems. And those clients who have a special pre-approved offer from the bank can apply for a cash loan using their passport without presenting additional documents.

The interest rate is determined for each client individually. Reliable borrowers have the right not only to a reduced 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 submit your application.

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

Step-by-step instruction:

in the line with the selected bank, click the red “submit application” button;
a form will appear on a new page for you to fill out, enter your data, following the prompts;
check the box “I agree with the lender’s terms and conditions”;
submit your application in one click by clicking on the appropriate button.

Banks quickly review online applications and notify you of their decision by phone or SMS.

Methods of obtaining and repaying a loan

Get credit funds can be by card or in cash.

Repayment methods:

transfer from a bank card;
transfer through payment systems;
in cash at the bank's cash desk.

Where else is it profitable to take a cash loan in Moscow?

If the bank refuses to issue a loan, which is especially important for clients with a bad credit history, send an application for a quick loan to MSC from a microfinance organization. You can familiarize yourself with the offers of all microfinance companies that issue loans on simplified terms on our portal!

When deciding to take out a cash loan, you should take a close look at different banks and choose the one that will offer the most attractive conditions for you personally. In this article we will try to consider several bank options and compare their capabilities and characteristics, highlight the advantages and possible disadvantages of lending.

Conditions in banks

Let's start comparing cash loans from different banks with the conditions they offer.

Firstly, there is various conditions according to the maximum loan amount.

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In Alfa Bank, for example, a cash loan is issued in an amount of up to 1,000,000 rubles.
In Leto Bank you can borrow from 50,000 to 500,000 rubles.
VTB bank surprises maximum amount- for holders salary cards it can be 5,000,000 rubles.
The loan from the Bank of Moscow is also quite large - up to 3,000,000 rubles.
OTP Bank provides not such large sums, but still impressive - up to 750,000 rubles.

At the same time, the time frame for making a decision can also be different, although in modern competition and the fast pace of life, many banks simplify the loan approval process and the time frame within which this is carried out as much as possible.

For example, Otp bank and Platinum Bank promise to make a decision in 15 - 20 minutes, and Alfa Bank and Leto Bank - within one business day. Rusfinance Bank can consider an application from 15 minutes to a whole working day, depending on specific situation borrower.

The Bank of Moscow promises that the approval will be valid for a month, during which time a person can carefully weigh the pros and cons and decide to take a loan or refuse it.

Leto Bank also has an additional service - a refund of 50% of the loan amount. In this case, a recalculation occurs at a different interest rate, and the difference in the amount is given to the borrower.

Comparison of basic conditions

Banks	Maximum loan amount	Application review period
Alfa Bank	Up to 1000000
Summer Bank	From 50000 to 500000	Within one business day
VTB bank	Up to 5000000	Within 1-3 business days
Bank of Moscow	Up to 3000000	During the day
Otp bank	Up to 750000	Within 25-20 minutes
Rusfinance Bank	From 5000 to 50000	From 15 minutes to one business day

Interest rates in all banks

Certainly one of the most important points when taking out a loan, these are interest rates. Therefore, we devote an entire section to this point.

It should be noted that this indicator is in many financial institution approximately the same, but there are some differences. The borrower should understand that where the interest rate is lower, the bank can “win” on something else.

Alfa Bank's interest rates range from 19.99% (for salary recipients on a card) to 23.99% (standard conditions for everyone). There is also separate category citizens - employees of partner companies, their rate will be 22.99%.

Leto Bank has a good interest rate - 19.9% per annum, while (as mentioned above) they can recalculate at an interest rate of 16.9%. This function is valid if a person has chosen the “Guaranteed Payment” service and is on time and on time every month. in full paid off the loan.

At Alliance Bank the interest rate is truly mythical - only 11.99% per annum. OTP Bank also promises low interest rates - from 15.9%.

Interest rates deserve special attention VTB Bank.

They depend ontariff,which the client chose:

“Large” loan - a large amount of money at the smallest rate. The loan is taken from 400,000 to 3,000,000 for a period of up to 60 months. In this case, the annual rate will be 17%;
“Fast” loan is a fixed rate for a fairly short period (up to 12 months). The amount can vary from 100,000 to 3,000,000 rubles. And the interest rate will be 18%;
Convenient loan. Here the amounts will be small, but the repayment periods will be large. The loan can be from 100,000 to 400,000 rubles for a period of 13 to 60 months. But in this case the interest rate will be 19%.

As you can see, the more convenient and comfortable the conditions, the higher the interest rate. Where the rate is lower, the conditions will be stricter, and accordingly, it will be difficult to decide on such a loan.

I would also like to consider in more detail the possible interest rates of the Bank of Moscow. Annual interest will depend on the loan amount.

For convenience, let's present it in a table.

Interest rate table

Video: Money from Raiffeisen Bank

Comparison of cash loans from different banks

When choosing a bank to take out a loan, you need to consider several points:

whether you are the recipient of a salary on a bank card (many financial institutions provide more favorable and convenient conditions for such clients);
How long will it take to repay the loan? Calculate accordingly monthly payment according to the interest rate;
requirements for the borrower. We will consider this point below, but there may be age restrictions, credit history and other parameters;
in fact, the amount that is needed. Some banks give out less than required;
weigh interest rates from different banks.

Based on this data, you can decide individually which organization is better to take out a loan from. Let's try to briefly outline the picture of the banks we are considering.

At Alfa Bank, the maximum amount is quite high, and the repayment period varies from 1 to 3 or 5 (salary clients) years. At the same time there is special conditions and offers for clients receiving salaries on the card of this bank, their interest rate will be significantly lower - 19.99% instead of 23.99%.

Leto Bank offers not so large amounts of up to 500,000 rubles, but the interest rates are very interesting, so if you need a small loan, you can contact this organization.

The loan term is also very convenient: you can choose from 12 to 60 months. Money is issued for any purpose, and a decision on the loan is promised to be given within the same day on which the application was submitted. There is also a promotion when you can invite a bank manager to speak at your organization and receive additional bonuses and a discount.

Rusfinance Bank provides small loans from 5,000 to 50,000 rubles for a period of 6 to 18 months. If you apply again, the amount can be significantly increased - up to 300,000 rubles, the repayment period will also be longer - a maximum of 36 months. To obtain such a loan, you need to provide only two documents, and the decision will be made as quickly as possible.

It is more profitable to take out a loan from the Bank of Moscow for representatives of such areas as healthcare, education, government agencies, and law enforcement agencies. If they also receive a salary on the card of this bank, then the interest will be minimal: from 16.9 to 19.9%.

OTP Bank guarantees a quick decision and low interest rates - from 15.9%, although there is more depending on the chosen tariff and type of loan.

The amount here will not be very large - up to 750,000 rubles, but very often this is enough. Loan term from 12 to 60 months.

Comparison of cash loans from different banks.

Bank	Maximum amount	Maturity	Additional terms
Alfa Bank	1,000,000 (2,000,000 for the salary project)	From 1 to 3 or 5 years	U salary clients the interest rate is lower - 19.99 instead of 23.99%
Summer Bank	Up to 500000	From 12 to 60 months	Interest rate recalculation, quick decision-making time
Rusfinance Bank	From 5000 to 50000	From 6 to 18 months	If you apply again, the amount can be up to 300,000 rubles, and the repayment period can be up to 36 months, quick decision making, two documents required.
Bank of Moscow	From 100000 to 3000000	From 6 to 84 months	Interesting conditions for workers in the fields of healthcare, education, government and law enforcement agencies, salary project
Otp bank	Up to 750000	From 12 to 60 months	Quick decision making, choice tariff plan with corresponding interest rates

Documentation

In today's competition, banks strive to simplify the loan application system, as well as the number of documents. Now you can come across many messages from different organizations, when to approve a loan you only need a passport or just two documents without a bunch of certificates and copies. This, of course, makes life much easier for clients.

If you are a payroll client of the Bank of Moscow, then you only need two documents: a passport and a plastic card, on which the salary comes.

But if you are an ordinary standard client, you will have to provide a whole package of documents:

passport of a citizen of the Russian Federation;
a certified copy of the work record;
certificate of income for the last six months to choose from: 2-NDFL, or in the form of a bank, or a certificate from the financial department.

VTB Bank only asks for a passport and preferably SNILS for salary clients, and ordinary people must also provide a 2-NDFL certificate or a bank form on income for the last 6 months.

Rusfinance requests the following documents:

passport of a citizen of the Russian Federation,
another document confirming your identity,

For Alfa Bank you also need a passport of a citizen of the Russian Federation, in addition you will need another document confirming your identity:

SNILS;
international passport;
driver's license;
compulsory medical insurance policy.

If the client is not a member salary project, then you need to provide one more document to choose from:

document for a car owned;
copy of international passport;
work book or compulsory medical insurance policy;
And that’s not all: you also need to bring a certificate confirming your income for the last 3 months.

Requirements for the borrower

Of course, the bank needs some guarantees that the money will be returned, so there are certain requirements for the borrower. They are approximately the same, so we will consider only those that differ in some way.

Basic requirements of the Bank of Moscow - the client must be a citizen of the Russian Federation, age from 21 to 70 years, work experience in the last place of work for at least 3 months, the person does not participate in bankruptcy procedures.

VTB Bank requirements for the client: age from 21 to 70 years, confirmed income must be at least 20,000 rubles (after taxes). Work experience is also important: overall - at least a year, in the last place - from 3 months.

In addition, citizenship must be Russian, and registration in the same city where the bank is located.

Rusfinance Bank puts forward the following demands:

citizenship of the Russian Federation;
registration, actual residence and work in one region;
age from 23 to 68 years (women) and from 23 to 63 years (men). If the loan is taken out again, then the age can be from 21 years

Alfa Bank borrower must be 21 years of age or older. Constant monthly income excluding taxes - not less than 10,000 rubles. Continuous seniority must be at one place of work for at least 6 months. There are also requirements such as availability mobile phone And permanent registration in the region in which this bank is located.

Which banks are the most profitable to borrow from?

We brought brief description some banks, compared them according to the main parameters and conditions. Now you can draw the lines and make a choice in which of them is still more profitable to take out a loan.

In our opinion, the Bank of Moscow offers definitely favorable conditions, especially for doctors, teachers and other social professions. However, Alfa Bank also has its trump card - tolerable interest rates. VTB Bank captivates with the maximum loan amount - 5,000,000 rubles.

In short, each bank has its own advantages and disadvantages. Choice financial organization remains with the client. In turn, he can rely on his personal wishes, requirements, and benefits. All options are considered on an individual basis.

However, it is better to choose a bank with a good reputation and long term work so as not to get into unpleasant situations related to bankruptcy. It is also worth considering whether it will be convenient to repay the loan monthly, whether there are ATMs or branches near your place of residence and work, because it is unpleasant to travel to another part of the city specifically for this purpose.

Favorable banks for taking out a loan:

Now there is no problem to take out a loan. There are not only different banks, but also microfinance organizations that can borrow several thousand for a week.

The only thing that can be advised to people planning to take out a loan is to be careful when choosing an organization so as not to fall into the hands of scammers.

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

If you can't take favorable loan in cash with an online application at a bank in Moscow at a low interest rate - it makes sense to try three more legal ways receiving cash in Moscow:

Submitting an online application to the bank for an express loan is a real solution if you need it small amount and are you ready for more high interest. All banks insure themselves against possible non-repayment by an unscrupulous borrower, therefore they deliberately increase rates for those who want to quickly fill out an application online and take out a loan without refusal;
Going to a frequent lender - here all the risks are borne by the client himself. Often such options are subject to such strict conditions and fees that if things go wrong, you can lose all your property: it will be used to repay the debt. The scheme is often used by scammers, although you may get lucky;
To figure out Current state own credit rating and CI. Here's more detailed article how ;
Contact microfinance organizations in Moscow for quick loans. Microloans in 2019 are faster and easier than trying to get a loan from a bank with an online application at a low interest rate for individuals. Today you can receive money directly via the Internet, without leaving your home, without certificates or guarantors, to your debit card, credit card or in cash at the nearest office. Microloans are issued with virtually no refusals, even if you have a bad credit history, but the interest rates on them will be higher than when filling out an application and receiving an online loan from banks. Above is the list current offers MFOs that are licensed and registered in the register.