In 2020, Russian banks are issuing physical individuals consumer loan in Moscow in cash or non-cash form. All offers and conditions financial institutions can be studied on our website. To determine where it is more profitable to apply for a loan, use the online calculator.
Conditions for obtaining loans from MSK
Credit for consumer needs in Moscow is issued under certain conditions. The agreement is drawn up upon the provision of reliable information and some documents provided for by the selected credit program.
Loan programs and conditions for individuals. persons:
- according to 2 documents for a small amount;
- targeted loans for the purchase of cars, real estate and other expensive items by providing a full set of documentation with confirmation of a stable income;
- loans secured by property;
- refinancing (to pay off other debts);
- consumer loan in MSC for pensioners, students, salary clients, etc.
Requirements and documents
In every program consumer lending There are certain conditions for the execution of the contract. A client who wants to quickly borrow money for any purpose needs to write an application, indicate personal data and provide the bank with the original documents according to the list.
Basic requirements of creditors:
- passport with registration;
- citizenship of the Russian Federation;
- borrower's age – from 18-23 to 80 years inclusive;
- client's solvency.
Consumer loans from Moscow banks
- select a bank and click the “apply” button;
- the system will take you to a new page where you need to carefully study the lender’s terms and conditions and fill out electronic form according to simple tips;
- Next, we send the completed application in one click and wait for the bank’s decision.
Money can be received in cash or by bank transfer on the day of application.
Where else can I get a loan from MSC?
Clients who have received a refusal from the bank, as well as citizens with bad credit history, can take out a loan from the MFO MSK for a very simple conditions. You can study all the offers of microfinance companies and apply online for a loan in Moscow right now on our website!
Banks always offer potential borrowers individual conditions, so we suggest submitting applications to 2-3 banks at once. This will increase your chances of getting a good offer.
Minimum interest on cash loans.
| Bank | Percent | Application |
|---|---|---|
| from 7.5% | ||
| from 8.99% | ||
| in 1 hour | from 9.5% | |
| Without refusal | from 9.9% | |
| from 9.9% | ||
| from 12% | ||
| from 12% | ||
| from 14.9% | ||
| up to 7 years | from 15.5% | |
| from 15.99% |
To take out a loan of less than 10% per annum in Vostochny, Raiffeisen and Renaissance credit, the advantage of these banks is that they consider applications without providing a certificate of employment. Tinkov and Sovcombank also do not require proof of income, but their minimum level is 12% per annum. It is quite possible to receive money at a relatively low interest rate of 15% at UBRD.
Best cash loans
Alfa Bank is the largest Russian private bank, is one of the top 10 most significant credit institutions.
A universal bank that carries out all main types of banking operations, serving private and corporate clients, investment banking business, trade finance, etc.
A cash loan in the amount of up to 3,000,000 rubles is issued from Alfa Bank with an interest rate of 9.9% for a period of 1 to 5 years.
Consumer loan up to 1,000,000 rubles are issued at a rate of 14.99%; for the first 100 days no interest is accrued for using the money. All you need is a passport.
Alfa Bank has a huge selection of credit and loan options mortgage lending and deposits, free savings services, programs and loans secured by property.
The application approval rate is high.
Summary: Alfa Bank - reliable bank, holding a leading position and offering various services in favorable conditions.
Low interest loan
Home Credit Bank - loans up to 1,000,000 rubles from 7.9%!
Home Credit Bank is a market leader consumer loans at points of sale. To complete an online application and receive a loan, you only need a passport.
Wide range of products for different customers social status. For regular customers additional favorable conditions. Customer deposits are insured.
The Bank is actively involved social life society.
Summary: Home Credit Bank ranks first in the consumer loan market, thanks to low interest rates, customer focus and modern services.
Low interest cash loan
"Renaissance Credit" - up to 700,000 rubles at 11.3%
A bank with low interest rates, where you can get a consumer loan using two documents. Works in almost everything major cities Russia, issues cash on the day of circulation for up to 5 years, has special program for pensioners.
Summary: Renaissance Credit is a bank with the lowest interest rates, where you can get a loan using two documents.
Low interest cash loans
Raiffeisen Bank - flat rate 10.99% for loan amount up to 2 million rubles
The bank follows the highest quality standards in its work, so clients trust it and agree to long-term cooperation.
To apply for a loan up to 300,000 rubles, you only need a passport; up to 1,000,000 rubles - passport and proof of income; up to 2,000,000 rubles - passport, proof of income and employment. The term of use is from 1 year to 5 years.
A decision on an online application is made in 2 minutes. You can receive an approved loan at the branch or with free courier delivery.
Summary: Raiffeisen Bank issues loans for large amounts at a reduced interest rate.
Low interest loans
"Eastern Bank" - low interest and high chances
In our opinion, in " Eastern Bank“The rates are not the lowest, but here the maximum chances of approval of the application even for borrowers with a bad credit history. In this bank you can take out a loan using your passport, without an income certificate or any additional documents. Applications are accepted online and reviewed within 5-10 minutes.
Summary: Vostochny Bank - not the smallest interest rates, but the maximum chances of approval of the application.
Lowest loan interest rate
"SKB-Bank" - simple and convenient lending.
SKB-Bank issues consumer loans in the amount of up to 300 thousand rubles without a certificate of income, up to 1.3 million rubles with a certificate. Interest rate from 9.9%. Loan term from 1 to 5 years. The loan application is reviewed within 2 business days. Early repayment is possible without commissions or penalties.
Convenient, modern and free online banking and mobile app.
Instant transfers money between cards of any banks.
Summary: SKB-Bank - low interest rates on loans for any purpose; universal online service.
Take out a small loan
Sovcom Bank is among the top 10 banks with the most favorable loans in 2018.
At Sovkom Bank you can take out a loan in the amount of 5 thousand to 1 million rubles for a period of 1 to 5 years. Interest rate – from 12% per annum. For a loan of up to 40 thousand rubles, you only need a passport. The best offer is a loan of 100,000 rubles for 1 year at 12% per annum. You can fill out an online application in 2 minutes.
There are special credit programs for pensioners. A larger amount can be obtained using a car or real estate as collateral.
If you have a bad credit history, the bank offers the Credit Doctor program.
Summary: Sovcom Bank is a large financial institution with attractive consumer lending conditions.
Take out a consumer loan at a minimum interest rate
« Tinkoff Bank"is a modern and practical bank with full spectrum financial services.
A loan of up to 2 million rubles for 1-3 years is issued without certificates, guarantors or a visit to the bank. The interest rate on the loan is from 12%.
All applications are completed online, the card will be delivered by courier in 1 to 7 days to any location. Partial early repayment is possible - at any time by phone. Free replenishment at 300,000 points across Russia. There are mortgage lending programs.
First Russian bank, which completely abandoned branches. Bank operations carried out instantly over the phone or via the Internet.
Summary: Tinkoff Bank is the best retail online bank with various credit and debit cards for any needs.
Consumer loan the most favorable conditions
"Pochta Bank" - new retail bank with branches in Russian post offices.
At Pochta Bank you can get a loan of up to 1.5 million rubles for a period from 1 to 5 years. All you need is a passport and SNILS. For payments from 10,000 rubles per month interest rate decreases from 12.9% to 10.9%. A decision on an application is made within 1 minute.
The Element 120 bank credit card allows you to make purchases with payment within 120 days. At the bank special conditions for education loans, etc.
Summary: Pochta Bank is a universal retail bank with available loans for different purposes.
Banks consumer loan
Rosbank is part of the Societe Generale group, a leading universal European bank.
The bank offers a “Just Money” loan without collateral in the amount of 50,000 to 3,000,000 rubles with an interest rate of 13.5% to 19.5% for a period of 13 to 84 months. A passport and a certificate of income are required; if the amount exceeds 400,000 rubles, the bank requests additional data. Credit limit may be increased upon presentation of information about additional income. More attractive conditions are offered for borrowers who receive wages into an account at Rosbank, employees of partner companies, pensioners, public sector employees, etc.
Rosbank approves 8 out of 10 submitted loan applications.
Summary: Rosbank offers loan programs at rates above average.
Advantageous loan
OTP Bank is a universal credit organisation, part of the international financial OTP group(OTP Group).
At OTP Bank you can get a loan in the amount from 15,000 to 4,000,000 rubles. Rates vary from 10.5% to 14.9%, determined by the bank taking into account the client’s risk level. Loan term up to 7 years. Application review time ranges from 15 minutes to 1 business day. There is a paid service “Change of payment date”.
Bank offices in 3,700 locations across the country. In addition to individuals, the bank cooperates with representatives of small and medium-sized businesses, develops credit solutions for corporate clients, a reliable partner for financial organizations.
Summary: OTP Bank provides loans to corporate clients and individuals, the interest rate is determined individually.
Take a loan from a bank at a minimum interest rate
"UBRIR" - largest bank in Russia, offering quality service and simple financial solutions.
The bank offers three types credit products:
● “Available” loan - up to 200,000 rubles with an interest rate of 11% without certificates and guarantors only with a passport;
● “Open” loan - up to 1,500,000 rubles, rate from 11%, you need a passport and income certificate;
● “120 days” - from 30,000 to 299,999 rubles for 3 years. Interest for using the loan is not accrued for the first 120 days; after the grace period, the rate is 28-31%. For registration you need a passport and income certificate.
Commission for maintaining a card account and withdrawing funds. Early repayment- for free.
Summary: UBRD provides loans for various requests at affordable interest rates.
How to get a consumer loan at a low interest rate?
Start with “your” bank. If you receive a salary on a card, apply for money to the bank that issued this card. You will probably enjoy lower interest rates and minimal requirements for the package of documents. For example: standard consumer loan at Alfa Bank 15.99%. And if you receive your salary on a card, the interest rate is reduced to 13.99%
To increase your chances of finding the best deal, consider several options. Apply to two or three places at once, find out your individual rate and choose the bank that offers the most favorable conditions.
Gather your documents. Many banks issue cash loans without proof of income, and sometimes simply with the passport of a Russian citizen. This is convenient, but if you expect low interest rates, try to confirm your financial position some documents. Best of all - a certificate in form 2-NDFL and a copy of the work book.
Reasons for refusal and how to avoid them
If you have already decided which bank is better to take a cash loan from the proposed list, you should be prepared for a possible refusal. There may be several reasons:
- Damaged history of past loans. This is either a completely unpaid debt or a late payment. For example, for Post Bank the critical moment is a delay of at least 5 days.
- Sometimes the age of the client can influence what to take small loan It will be difficult for young people under 21. However, there are exceptions to the rules.
- False information, such as salary, fake certificates or documents.
- Appearance can also serve as a reason for refusal, especially if you are under the influence of alcohol or drugs.
- When making a decision, the bank takes into account expenses, and if you already have existing loans, it’s worth telling the bank employee about it.
- Returning to the topic of wages: it should be higher than possible monthly payment twice. And that's the minimum.
- The bank will not approve a cash loan against low percentage, if the borrower does not even have temporary registration where the branch of the financial institution is located.
- And you shouldn’t discount the fact that a bank may refuse to issue a profitable loan without explanation. The application will reach him if the automated system missed it.
It's easy to get a cash loan at low interest rates.
Just fix it:
- If you don’t have a residence permit, apply for one. And remember: the longer its validity period, the larger the loan amount, and, accordingly, the more organizations where it is more profitable to take out a loan.
- If wages are low, you can either find guarantors (wife-husband, brother-sister, cohabitant, etc.) or provide collateral (apartment, car).
- If you have already made a choice about which bank to borrow cash from, but you have existing loans, theirs. Some organizations pay off debts based on the documents provided, and the person receives the remainder of the approved amount. Others allow themselves to close contracts in other banking institutions. And if documents are provided within one or three months, loan rates may drop.
Problems with BKI and several solutions.
The first problem that can prevent a person from getting favorable interest rates on loans is a complete lack of credit history. This happens most often to young people. A financial institution bears great risks, so get profitable loans even at high wages Not sure it's going to happen.
The solution is to issue a couple of small or commercial loans and repay the loans without delays. Another option is to issue credit card, payments for which are also recorded in the Credit History Bureau (BKI).
Bad credit history is the second problem. You cannot get a loan at a low interest rate in cash. Moreover, it can be damaged both through the fault of the borrower and through the fault of the bank. There are several solutions to the problem:
- Bank loan rates, if issued a plastic card, higher, but this is the way out. Due to the so-called grace period, you can, for example, withdraw several tens of thousands of rubles from the card and put them back 2-3 days before the end of this period.
- Before looking for banks that issue consumer loans with low interest rates, read the agreement if you have already taken out loans. It should tell the credit bureau where your payments will be recorded. It is advisable to contact them in advance and request a report, which will come in .pdf format. Moreover, you can request it 2 times in 1 year for free.
It happens that, due to the fault of the bank, the Bureau is updated with incorrect information. And here the problem arises not in which bank is better to take out a loan, but how to correct the history, especially if you are sure that there were no such delays. It’s great if you have saved the receipts, but they will only be needed in case of problems with the bank.
The steps are not complicated: an application is submitted on the BKI website indicating personal data (full name, passport), and a description of the situation with the financial organization (when the loan was taken out, contract number, whether there were any delays (if so - quantity, duration), what mistakes were made ). After 30 days, the Bureau must deal with the current situation and send a response.
It is worth emphasizing two main points. First, take an interest in your history. Secondly, do not give in to scammers’ persuasion that they can fix it for a certain amount. This is wrong.
The bureau can correct the history only if the borrower writes an application. And only in case of actual factual errors. But the dialogue will now be conducted exclusively between the Bureau and the organization issuing the loan and sending inaccurate borrower data.
If the CI is bad, contact the microfinance organization. If you are approved by several microfinance organizations, choose one better conditions. Banks, when they see a lot of loans from different microfinance organizations, regard this as the presence of financial problems.
Which bank is better to take out a cash loan for? bad stories? Pay attention, for example, to Sovcombank and its Credit Doctor program. It allows you to take an amount for Not long term just to get a positive story to the Bureau. Other financial organizations also have such programs.
- After studying which bank has what interest rate on the loan, read reviews about it. Sometimes in the comments there are tips that will help you obtain a loan profitably.
- If the bank where it is profitable to take out a loan is a salary bank, then it is better to apply to it first. As a rule, such organizations reduce the package of documents down to one passport.
- If, when answering the question of where it is more profitable to take out a loan, you chose a bank with a deposit opened in it, refuse it. The situation is changing so quickly that a reliable bank today could lose its license tomorrow. Therefore, the deposit and insurance will not be paid until the debt is paid off.
- When deciding which bank to take out a loan from, go to the website, study all the conditions, even those written in small print, and calculate the possible payments at the minimum and maximum rates offered.
- Before deciding where it is better to take a loan, from which financial institution, fully consider all possible situations: loss of a job, loss of ability to work, and the like. It’s unpleasant when the bank agrees to a meeting, especially with a damaged credit history, and the borrower cannot repay the loan.
Taking out a loan with better terms, rates, and interest rates is a normal desire of any person. We hope that the information you have read will help you do this with the least loss of time.
A loan with the lowest interest rate is an excellent choice for those who are careful with their money. It allows the borrower to solve his financial difficulties and not be burdened by a feeling of ever-increasing debt to the organization that provided the funds. Both a year and several months of such a loan will be beneficial for the person applying for the service, since a large loss of money is simply impossible.
A loan is not a debt trap
A low interest rate is beneficial for both targeted and consumer loans, since the person who received the service will give only a minimal amount of his Money. You can get cash in Moscow at a bank after a simple and short procedure.
Benefits of a low rate
A loan at a low interest rate has the following advantages:
- Obvious benefit for the consumer;
- Additional features offered by the bank - for example, grace periods, which make the service even more attractive;
- Small amount of the final overpayment compared to conventional loans;
- Possibility of receiving funds not only from the bank, but also from other financial institutions.
The lowest interest rates on the loan free the borrower from large overpayments and expenses that exceed income. A profitable service allows the consumer not only to solve all his problems, but also to pay a minimum amount for this opportunity, which makes such loans popular. Also, the borrower does not have the opportunity to spoil his reputation: all that is required is a small deposit and return of the amount used. Using the service is as simple as possible.
Advantageous service with simple registration
Many banks and financial organizations Moscow provides loans only after a simple registration procedure, which requires an application and one document. The consumer can easily fill out applications online - many banks allow this type of filling out of applications, as this allows them to relieve employees. The online application can be filled out directly from your home or office in just 5 minutes, and the lowest interest rate on the loan will soon become available. The online application can be found on the website of the organization providing the service, which significantly saves the borrower’s time; you don’t even need to go to the bank.
Loan from a little one credit rate and as simple as possible fast processing- an opportunity for the borrower to receive cash on favorable terms as quickly as possible and begin using it.
But the stakes are already higher. Issuance in cash or by card.
First, a couple of tips:
- Contact a bank you know. Banks offer the lowest rates salary clients— they already know everything about your level of income and its regularity. Usually they don’t even ask for anything other than your passport. If this is not an option - go where you have open deposit or issued a credit/debit card. Or where they took out and repaid loans on time earlier.
- Provide truthful information. You should not inflate your salary, especially where they ask for 2-NDFL certificates. Do not lie about other open loans, past or present delinquencies and other data that the bank will still request from the BKI. Any discrepancies between the questionnaire and reality are grounds for refusal.
- Request an adequate amount. Ideally, the monthly payment on a loan should not exceed 30% of your official income, which you can at least somehow confirm. Don't fall within these boundaries? Reduce your “appetites” or increase the term - this will reduce your payment. For calculations.
7 banks where you can get a consumer loan
If you have a problem with obtaining a certificate confirming your income, then it is best to take a cash loan from MTS, Tinkoff or Homecredit, since they issue without certificates - only with a passport or two documents. If you are officially employed and receive a good salary, contact HomeCredit - they have the smallest percentage. And if you need it quickly, then go to MKB or MTS.
ICD - can be obtained from 18 years of age
- Maximum amount: 5 000 000;
- Duration: Up to 5 years;
- Percentage: From 9.9%
- Documents: passport only;
- Age: from 18 years old;
- Review: no more than 1 hour.
The main advantage is that they are issued at the age of 18; they can even apply, but a good credit history is required. With a bad one, they can also approve, but only if you have no arrears and past debts have been closed.
Questionnaires are quickly reviewed in 10-20 minutes, large percentage approvals and low interest rates. Plus a minimum set of documents, a Russian passport is enough. But low rate- only when connecting to insurance services. For rates already from 13.9%.
Vostochny - a large amount without certificates
- Maximum amount: 15,000,000;
- Duration: Up to 20 years;
- Rate: From 9.9%
- Documents: Russian passport;
- Age: from 22 years old;
- Review: on the day of application.
One of the few banks that even if your credit history is damaged. Of course, no one will give out 15 million, but they approve it. And all you need is a passport. For large amounts, they may ask for a second document or confirm income.
Work with individuals And . You can take it for a long period - you will overpay more, but the monthly payments will be feasible even for a small salary.
Home loan - the smallest percentage for everyone
- Duration: Up to 5 years;
- Rate: From 7.9%
- Documents: passport + 2nd additional;
- Age: 22-70 years;
- Review: 1 minute.
Homecredit now offers the lowest interest rates, and if you have no problems with your credit history and obtaining a 2-NDFL certificate, it is best to take out a loan here.
Instant decision on an online application - in just a minute you will receive approval, and you can go to the bank to get cash right today.
They willingly issue loans to pensioners under 70 years of age (counted at the end, not the beginning) loan agreement). As additional document can be used:
- SNILS;
- International passport;
- Driver license;
- Pensioner's ID.
Raiffeisen - for reliable borrowers
- Maximum amount: 2,000,000;
- Duration: Up to 5 years;
- Rate: From 8.99%
- Documents: passport + income certificate;
- Age: 23-70 years;
- Review: 1-2 days.
The bank is large, well-known, and can choose who to cooperate with and who to refuse. Therefore, the requirements for borrowers are quite stringent. A minimum of 6 months of experience in your current workplace and an income of 25,000 for Moscow and Moscow Region and 15,000 for other regions are required. Plus, you need to confirm your income with a 2-NDFL certificate.
The smallest percentage is for large sums from a million for Moscow and 700 thousand for the regions. And with insurance. If you refuse insurance, rates automatically increase by 4%. But you can apply for a small interest rate, and then - according to the law, you can do this unilaterally within 2 weeks.
Tinkoff - online without visiting the bank at all
- Maximum amount: 1,000,000;
- Duration: Up to 3 years;
- Rate: from 12%;
- Documents: Russian passport;
- Age: from 18 years old;
- Review: 10-20 minutes.
The most popular online bank in Russia, which has no branches anywhere except an office in Moscow, offers loans to almost everyone and without waiving 12% per annum. At the same time, the age threshold is low, you don’t need anything other than a passport, and you don’t even have to go to the bank. The card with money is delivered to your home or work by a courier, and you can withdraw it at any ATM. Including Tinkoff - there are now enough of them in any city.
They approve almost without refusal and work with students, people who do not have official work, or those who cannot confirm their income in any way, as well as with legal entities and IP.
Gazprombank - without refusal with good CI
- Maximum amount: 3,000,000;
- Duration: Up to 7 years;
- Rate: From 7.5%;
- Documents: 2 documents + proof of income.
- Age: 20-70 years;
- Review: 10 minutes.
The largest set of papers: in addition to the passport, you need a second additional one, confirming the identity of the borrower, as well as a 2-NDFL certificate or in the form of a bank, confirming income sufficient to pay the monthly payment. But if there are no problems with this, and the story is good, then up to 96% of all submitted questionnaires will be approved. They review them in 10 minutes, so you won’t have to wait long for a decision.
Sometimes they require a copy of the work report, for example, if you request a large amount. They check the CI, so there is no need to deal with arrears and debts. You can repay early, just like in other banks. There are no penalties or fines for this; interest will be recalculated based on the actual term of the loan.
MTS - express loans near your home
- Maximum amount: 1,000,000;
- Duration: Up to 5 years;
- Rate: From 10.5%;
- Documents: passport + additional;
- Age: 20-70 years;
- Review: up to half an hour.
In MTS everything is convenient, simple and accessible, especially if you need something that is not too large. In this case, you can simply leave online application on the website, and then come to receive a loan at the nearest office of the company. True, the rates for such express loans are from 15.9%, but they are issued willingly, and this is much less than in microloans.
If you want it profitable and at a reduced rate, you will have to prepare not only a passport, but also SNILS or any other document of your choice, as well as a certificate of income.
They are most willing to lend to their salary and premium clients aged 27 to 55 years.
Where is the best place to get a loan if banks refuse?
We've sorted out the banks - Best offer in Homecredit - issuance of up to 40,000, but only for 7 days. No interest if repaid on time.
For the survey to work, you must enable JavaScript in your browser settings.