Credit without certificates and guarantors in the bank. Same day cash loans
List of banks where you can actually get a loan without certificates, guarantors and collateral: the most loyal banks for obtaining a consumer loan and a credit card.
If all banks refuse credit due to bad credit history, get credit card it might be easier. Banks are more tolerant of bad CI when issuing credit cards, but the amount of the limit will be low.
- Interest rate– from 17.9% to 34.9% per annum, depending on the age of the client and his credit history. There is a chance to reduce the rate to 0% for a promotion with a Halva card;
- Age - from 20 to 80 years.
Credit card Tinkoff Bank:
- Amount - up to 300,000 rubles;
- The rate is from 24.9% from 12% per annum with an interest-free period of 55 days and installments up to 1 year. 120 days without interest if you repay other loans with a card.
Credit cash Tinkoff:
- Amount - up to 1,000,000 rubles;
- Rate - from 14.9% from 12% to 28.9% per annum;
- Term - from 3 months to 3 years.
- Loan amount - up to 500,000 rubles;
- Rate - from 9.9% per annum;
- Term - up to 5 years;
- Age - from 25 to 70 years;
- Income from 8,000 rubles per month, permanent job.
You can also apply for a credit card at Renaissance Credit Bank:
- Amount - from 3,000 to 300,000 rubles;
- Interest rate - from 19.9% per annum, for cash withdrawals - 45.9%;
- Commission for cash withdrawal - 2.9% + 290 rubles;
- Age - from 24 years;
- Card maintenance is free.
Only if you are not a sole proprietor and you have not been overdue for more than 90 days:
- Loan amount - up to 3,000,000 rubles;
- Interest rate - from 13.9% to 9.9% per annum;
- A certificate of income is required, age from 23 years old, salary from 40,000 rubles.
- Loan amount - from 15,000 to 1,000,000 rubles;
- Interest rate - from 10.5% to 38.4% per annum;
- Loan term - up to 5 years;
- Age - from 21 to 65 years.
- Loan amount - from 5,000 to 700,000 rubles;
- Interest rate - from 9% to 41% per annum;
- Loan term - up to 5 years;
- Age - from 21 to 70 years;
- Work experience in the last place from 1 month.
- Loan amount - up to 1,000,000 rubles;
- Interest rate - from 11.5% per annum;
- Loan term - up to 5 years;
- Age - from 21 to 75 years;
- Experience at the last place of work is required from 3 months, for persons under 26 years old - from 1 year.
Vostochny also offers to issue a credit card 0% per annum for 56 days from credit limit up to 120,000 rubles. But in fact, the bank will approve no more than 15,000 rubles if you had delays before.
- Loan amount - up to 1,000,000 rubles;
- Interest rate - from 7.9% per annum;
- The age of the borrower is 22-69 years;
- Loan term - up to 7 years.
In Home Credit, it is easiest to get a loan up to 100,000 rubles, but you must have official place of work and the total experience of at least a year + there should not be large delays.
- Loan amount - from 50,000 to 300,000 rubles;
- Interest rate - from 18.9% to 26% per annum;
- Loan term - up to 7 years;
- The age of the borrower is from 21 to 75 years.
It is important that the bank issues a loan only by passport and immediately, but you should not have open delinquency in other banks and delinquency for more than 30 days in the past! Also, your work experience at the last place of work should be at least 3 months, total seniority- from 12 months.
If you need a credit card without an income statement, then UBRD issues cards with interest-free period of 120 days, which applies to cash withdrawals and purchases.
- Loan amount - from 30,000 to 300,000 rubles;
- Interest rate after the end of the interest-free period - 30.5% per annum, withdrawal fee 5%;
- Age - from 19 to 70 years;
- Maintenance fee - 1,500 rubles per year.
- Loan amount - from 30,000 to 500,000 rubles;
- Interest rate - from 19.9% to 29.9% per annum;
- Loan term – from 1 to 5 years;
- Age - from 23 to 70 years.
- Loan amount - from 50,000 to 1,300,000 rubles;
- Interest rate - from 9.9% to 25.5% per annum;
- Loan term - from 3 to 5 years;
- The age of the borrower is 23-70 years;
- The minimum length of service at the last place of work is 3 months;
- For persons under 27 years old - a military ID.
You can take a loan without certificates and guarantors even without official work, but this can not be done in every bank. There are banks that are more loyal to such customers than others, but you have to pay for this opportunity with higher interest rates.
To obtain a loan or a card in the presented banks, you must have a passport of a citizen of the Russian Federation, and your age must be at least 21 years old. In most cases, a certificate of income (2-NDFL) is not needed, but you can fill out a certificate of income in the form of a bank, this has a positive effect on approval and lowers the rate. This method is often used by clients who work informally.
Even with a bad CI, you can get a loan!
Credit history is the main condition for issuing a loan, but the bank's decision is also influenced by:
- unpaid alimony;
- The presence of claims against you;
- Unpaid fines;
- A large number of administrative offenses, including traffic police fines;
- Having a criminal record;
- Debts for housing and communal services;
- Your income (certificate 2-NDFL - “last century”, income is checked through the FIU. It is very good if you have a work book or contract. An extract from the card account on the transfer of salaries is also suitable);
- Reliability of information in the loan application! The slightest lie can deprive you of the opportunity to get a loan not only now, but also in the future.
The bank can give you a loan, even if you had delays, but you should not have problems on the above points. Otherwise, the most you can count on is refinancing your loans or a credit history improvement program. If banks do not give you a loan, take a long-term loan from an MFI, the rates on such loans are much lower than “before salary”, and there are more chances to get money from an MFI than from a bank.
Banks that do not check credit history
It is a myth! Absolutely all banks check credit history, but there are nuances.
Part 3.1 of Article 5 federal law No. 218-FZ dated December 30, 2004 "On credit histories" obliges each bank to cooperate with at least one credit history bureau (BKI) for the mutual exchange of information about borrowers. Before approving a loan, the bank must evaluate the borrower for the risk of not returning the money.
At the same time, the bank it is not always possible to obtain complete information about the borrower's loans, as this information is "scattered" among different bureaus. This means that the lender may not receive information not only about delays, but also about repaid loans, which positively characterize the client.
The bank may indicate on its official website which CBIs it cooperates with. But we do not recommend abusing this, as banks comprehensively evaluate customers. You can get a loan with a bad credit history if you do not try to deceive the bank and clearly confirm your ability to repay the loan on time.
If there are no problems with credit history
Credit card "100 days without%" with a limit of up to 500,000 rubles is now one of the most popular products. The card is also suitable for refinancing other loans, the rate on it is from 11.99% per annum after interest free period. You can withdraw up to 50,000 rubles per month from the card and also without interest for 100 days.
The card is issued to persons over 18 years of age. Card service costs from 590 rubles per year.
If you need a large amount of cash, you can apply for a cash loan up to 1,000,000 rubles. The rate is the same as on the card - from 9.9% per annum. But for a loan, the requirements are stricter: age from 21 years old and current work experience of at least 6 months.
The loan rate at Otkritie Bank starts from 10.9% per annum with insurance, from 12.9% without. But the first year the rate is the same for all: 9.9% per annum. You can take up to 5,000,000 rubles for 5 years.
Requirements for the borrower: age from 21 years old, work experience - from 3 months, general - from a year, while there should not be an individual entrepreneur.
Otkritie also has a credit card with an interest-free period of 55 days, then 19.9% per annum. The limit on the card reaches 500,000 rubles. There is a cashback of 2-6%, and the card itself is free, issued to persons over 21 years old.
In Raffeisenbank, you can easily get a loan of up to 2,000,000 rubles at a rate from 10.99% to 15.9% per annum for a period of 1-5 years. But there is such an opportunity, if you are at least 25 years old, you earn from 25,000 rubles a month at work, where you work for at least 6 months.
An important condition: without certificates at Raffeisenbank, you can get up to 300 thousand rubles.
Raffeisenbank also has a credit card for 110 days without interest, from which you can withdraw cash without commission for up to 2 months. The limit on the card is 600 thousand rubles. The cost of maintenance is free when spending from 8,000 rubles per month, otherwise 150 rubles per month.
Bank requirements for obtaining a card: age from 23 years old, work from 6 months with an income of 15,000 rubles (for Moscow and St. Petersburg - from 25,000).
MTS is not only a mobile network, but also a bank. MTS Bank issues up to 5,000,000 rubles for 5 years, but these are customers with an impeccable credit history. The easiest way is to get a loan up to 50 thousand rubles and for a shorter period. The rate is from 10.5% to 24.9% per annum.
Requirements for the borrower: age from 27 years old, employment, in addition to the passport, you need SNILS, a visa or a passport.
MTS Bank has an exclusive offer: a credit card with a fixed payment. You pay 30 rubles a day for using the loan, you need to repay the loan before the 20th next month. If you do not have time to repay, then the rate will be only 10% per annum. After repayment, the money (30 rubles per day) is not withdrawn.
The limit on the card is 150,000 rubles, persons over 27 years old can apply for it.
We will immediately warn you that if you have current delinquencies on other loans, then it will be quite problematic to get a loan from most banks. This is especially true for loans with a delay of more than 30 days. And it is unrealistic if the delays are more than 90 days. In this case, you can only count on a loan secured by a car or real estate. Or take a microloan in the MFI.
There are banks that are more loyal than others to small delays up to 30 days, especially if they have already been repaid. The list of loyal banks for loans is presented above.
Also note that with a bad credit history, it is more realistic to get a credit card than a loan. The amount on the card will be small, but there may be an interest-free period and the opportunity to improve the CI, and this is a chance to get a loan in the future.
Ideal Borrower
To whom banks never refuse loans? Portrait of an ideal borrower.
There are no long-term debts for utilities.
No child support debt. Banks and not only they really do not like "alimony".
Your passport must be valid and not wanted.
You have no status individual entrepreneur(IP).
Very often, banks refuse clients with individual entrepreneurs. In this case, you need to look for banks that give loans to individual entrepreneurs or get loans for special programs for business development.
You have a permanent job.
Banks do not issue loans to the unemployed, there must be at least income without employment according to the work book (in this case, you will need to provide the bank with a certificate of income in the form of a bank, an agreement with the organization with which you work, an account / card statement on regular receipts of money). If none of these exist, then only secured loans or micro loans.
You can provide at least 2 phone numbers: one - yours, the second - the employer (or at least a relative, friend).
You have no more than 4 active loans.
In this case, you need to refinance loans: combine them into one. When refinancing, the bank can issue additional money for any needs. For example, you have 4 loans for a total of 500,000 rubles, you apply for a loan for 600,000 rubles, of which 500,000 will go to refinancing, and 100,000 will be your money. As a result, you have money and only one loan, and with a lower rate.
total amount monthly payments on the current and requested loan should not be more than half of the monthly income.
If less, then a collateral or guarantor may be required, otherwise reduce the loan amount.
You have no debts to MFIs.
At the time of applying for a loan at the bank, you must have closed all microloans.
You were not bankrupt.
If you went through the bankruptcy procedure, then you will not be given a loan without collateral and guarantors.
No convictions.
You can not have a criminal record, especially for articles related to fraud in the financial sector.
You have no more than 2 children.
A large number of children, especially with a low income, can be a reason for refusal.
The best age to get a loan approved is 23-65 years old. Even if the conditions indicate the minimum age of 18 years, the most desirable borrowers are people over 23 years old (younger people can get a loan, but they need more certificates and a stable income). In some banks, the minimum threshold may be higher.
You don't have to be looked for by bailiffs. Or at least the amount of your debts under the FSSP should not be more than 10 thousand rubles, and this does not depend on debts on loans or fines, for example, the traffic police.
There are no traffic police fines and other administrative offenses.
A large number of offenses often become a denial of credit. Pay the fines and only then submit the application.
What can not be indicated in a loan application?
- Passport details of an invalid (expired) passport.
- Someone else's passport data.
- Inaccurate information about work and salary. Banks make a request no longer to the employer, but to Pension Fund(FIU), where your data on deductions from income is stored (hence, banks know your real salary) and your place of work, length of service, etc.
- A phone number that is not registered to you. For this reason, MFIs are often refused, since SMS serves as a signature in the contract. But banks can also pay attention to the ownership of a phone number.
- Do not leave empty fields, even if the system allows it.
- If there is a field in the application form for indicating the purpose of the loan/loan, then do not write that you have no money, “nothing to eat”, you were fired from your job, and the like. This is a denial! In this case, write that you need money before salary.
Even with imperfect credit history, the chances of getting a loan are greater if you fill out the application honestly. Lies in the application - a minus in the credit history!
Remember, if you submitted an application to a bank and were refused, then you can re-suppress an application to the same bank (for a loan or credit card) no earlier than a month later! In some banks, this period can be 3-4 months, so check the blocking period with the bank.
The easiest way is if you work at least six months at your current workplace and receive at least 15,000 rubles. But what if you lost your job or are unofficially registered, and you have income, but you can’t confirm it in any way? It remains to look for options where you can take a loan without 2-personal income tax and guarantors. We have collected 7 banks that issue loans without income statements.
Where to get a loan without proof of income
A private investor issues passport loans without 2-personal income tax certificates from own funds almost without fail. Broker- helps in obtaining loans from banks and other credit organizations with a 90% money back guarantee. Without prepayment.
Promsvyazbank, Tinkoff, Gazenergobank, MKB and Vostochny issue loans not only without certificates, but also with only one passport. In addition, Promsvyazbank and Renaissance have the most favorable interest. with bad credit rating it is best to contact Vostochny or Renaissance - there are only 10% of refusals, and with a good one - in MKB and Home Credit, they can now offer from 7.9% -9.9%. Preferential conditions for pensioners are guaranteed by Vostochny, and for - Tinkoff bank and MKB, issuing cash from the age of 18.
Assistance in obtaining from Msk-Money
- Amount: From 20 thousand rubles to 2 million;
- Term: From 1 to 20 years;
- Interest rate: From 12% per year;
- Age: from 18 years old;
- Documents: passport.
If you have difficulty obtaining a loan from a bank, for example, you cannot provide a certificate of employment, without official employment or a not too ideal CI, then contact Msk-money. They help to get money from banks and other organizations almost 100% guaranteed, prepare documents for you and choose companies in which you will receive the money you need without refusal. financial assistance.
With bad credit in Eastern
- Amount: From 25 thousand rubles to 3 million;
- Term: From 13 to 240 months;
- Interest rate: From 9.9% per year;
- Age: 21-75 years;
- Documents: passport.
Generally without proof of income, does not require you to provide any certificates and additional documents, issues only according to the passport of the Russian Federation.
Only with a passport to Gazenergobank
- Amount: Up to 1.3 million rubles;
- Term: Up to 5 years;
- Interest rate: From 11.9%;
- Age: 23-70 years;
- Documents: passport.
The most important point: without a certificate of income, Gazenergobank is ready to offer you only 180,000 rubles. Large sum- only with proof of income. You must also have at least 3 months of experience in your current job. Plus, pensioners up to 70 years old can get a loan.
Almost no refusal in Renaissance Credit
- Amount: up to 700,000;
- Term: 2-5 years;
- Interest rate: from 9.9%;
- Age: 24-70 years;
- Documents: 2 documents.
One of the most loyal banks that issue loans without certificates and guarantors, even to customers with a bad credit history. You will need two documents. But the minimum percentage of 9.9% can only be calculated with a 2-personal income tax certificate, the rest will have a higher rate - it is determined individually by the bank.
At low interest in Home Credit
- Amount: From 10 to 1 million rubles;
- Term: From 1 to 5 years;
- Interest rate: From 7.9%;
- Age: 22-64 years;
- Documents: 2 documents to choose from.
Standard conditions in Homecredit are a rate of 7.9% per year for amounts up to 200,000-300,000 rubles. At the same time, up to 200-300 thousand, they will not even require income certificates, only a Russian passport. Above - you already need confirmation of income in the form of 2-personal income tax, in the form of a bank or in other ways. In any case, loans are issued only with a good credit history, with delays you should not even try. Online decision on the application in 1 minute!
Where to get a loan without income if banks refuse
If the banks refused you a loan because you have open delinquencies, or an experience of less than 3 months, you cannot confirm your income in any way, have a damaged credit history, or you are only 18-19 years old, then there is only one option - to apply for an express loan from an MFI. Any microfinance institution high interest up to 350% per annum and higher (1% per day), but if money is needed urgently, then they will be given there without refusal and confirmation of income simply by passport.
- - up to 30,000 per month with a rate of 0.63% per day on a passport;
- - up to 1%. Loans online at bank card. Up to 30,000;
- - from 18 years old, up to 25,000 at 1% per day on a card and in cash;
- - up to 100,000 per card on the day of application. Rate 1% per day;
- - up to 99500 per card. High chance of approval. From 0.27%.
Today, many banks in Moscow impose too large a list of requirements on the borrower. The first thing such institutions require is a salary certificate from work. But what if you cannot provide it, temporarily do not work and have no income, or are a pensioner? Which bank will then give you consumer loans without references?
Our resource contains dozens of MFIs that are just ready to help people who want to get a loan without an income certificate. The salary you receive is your own business. In addition, it is no secret that many of us can have additional income, which we will not see after 2 personal income tax. That is why organizations have decided to simplify the terms of the loan that satisfies consumer needs.
What do you need to get a loan without proof of income?
A passport is the only prerequisite for applying for a loan online. You don't need any other documents! So, on our service "Creditznatok" a borrower can take an online loan with a passport, independently comparing the conditions of institutions and choosing the best options for themselves. Pay attention to the available amount credit finance. Choose online the optimal amount of funds so that you have enough to meet your needs in Moscow. Maybe you need a loan for 400,000 rubles. or more, we can arrange such loans for you without problems.What are the terms of the loan?
So if you decide to get consumer credit at the bank, then for you the list of features of its receipt on Creditnatok:- a minimum of documents for the registration process (no need for a salary certificate);
- low interest on loans;
- the possibility of several options for transferring money: credit card or in cash, which can be obtained from a bank (private) or a branch of a microfinance organization;
- saving time to apply.
How to get the best credit on your passport?
We have already discussed income. Financial institutions are no longer interested in their size. Your work is yours personal information, which organizations will not check. Work can be changed regardless of the terms of the loan during its payment. So, choose the most attractive loan offer posted in this section. Click the "Apply for a loan" icon to redirect in a safe mode to the institution's website. Fill out the form and follow the instructions on the screen. Soon your candidacy will be approved, and you will be able to take money for personal purposes in Moscow.The high requirements of banks to borrowers inspire confidence that it is almost impossible to get a cash loan without certificates and guarantors in the capital. But there is an alternative - microfinance organizations that allow you to get cash loans with a passport.
How to get cash?
In Moscow, the scheme of cooperation with IFIs is extremely simple. To apply for a loan without a certificate of income in one of the credit companies, you should:
- compare offers of organizations on the site site;
- go to the lender's website and leave a request for funds;
- fill out the form, indicate contact details and sign an online contract;
- wait for the manager's verdict, go to the MFI office and quickly take the money in cash.
Financial institutions issue borrowers from 1 to 100,000 rubles for a period of 5 to 365 days. Daily overpayment ranges from 0.5-2.5%. Small amounts and short loan terms are reflected in the low requirements for the borrower. To obtain credit loan, you need to show your passport and code. Every adult citizen of the Russian Federation is able to carry out the registration procedure.
What you need to know about the activities of MFIs?
What is the secret of MFIs offering such attractive lending conditions? main feature financial activities microfinance companies – a high risk of default. The client does not need a guarantor, and a certificate of income is not required. According to statistics, 1 out of 10 borrowers in Moscow cannot repay their debt obligations on time.
When issuing quick loans without a guarantor, the system pays attention to:
- passport data;
- credit history provided by the BCI.
This does not mean that a person with a bad credit rating cannot apply for a loan on a passport. Analysis of credit history is necessary to determine the most optimal lending conditions and repayment schedule.
Possibility to receive urgently financial resources for personal use - a way out of many difficult situations. The main thing is to repay the debt on time and not spoil your credit reputation. Cash withdrawal is carried out at the cash desk of the organization.
In 2019 you can take quick loan with an instant decision without references. On Vyberu.Ru we have collected the best offers in Moscow for individuals and legal entities. We can take a targeted or consumer fast loan.
Check out the rates and additional terms to choose Best offer. No need to go to the bank to get a quick loan - an application (express loans, as a rule, provide for this option) is submitted via the Internet.
You can send it to one or several financial institutions at once. To do this, you need to fill out several questionnaires on the pages of different banks. When you receive a response, you can simply proceed to checkout best loan. Applications are processed promptly. As a rule, it is 1-2 minutes. If you are approved for a loan quickly, you can immediately find out the decision in an SMS message. It will be sent to the phone number indicated in the questionnaire. The approved loan amount will also be indicated there.
To get a loan without certificates, the bank needs to provide a minimum package of documents. Usually, we are talking about a passport and a written application. At the office, you will need to write an application by hand (fill out the form that the bank employees will give you). The application you submitted online is a preliminary step that does not obligate you to anything. An application can be submitted to several banks at once, and this does not mean that you must apply for a loan in each of them. If you change your mind about taking this or that fast loan, you can suspend its execution. And only after signing the contract, the obligations between the borrower and the bank come into force.
You can get a quick loan at the cash desk or get it by bank transfer to a card. To use the funds, you will need to issue a debit plastic of the corresponding bank, if you do not already have one.
To get a fast loan, the borrower must meet the following requirements:
- citizenship of the Russian Federation;
- registration in the region where you plan to take a loan quickly;
- age from 21 to 65 years (at the time of loan repayment).
Banks make a decision, including on the basis of data on the history of the borrower. If you meet all of the requirements listed above, but you have been in arrears on previous loans, you will most likely be denied money. If you are approved for a loan, the decision and information about maximum size You will find out the amounts almost immediately, but for the second paragraph, the data will be preliminary. You need to check the exact amount at the bank branch. You can apply for a loan online with an instant decision for a smaller amount than what was approved. It all depends on your income level and whether you can pay off the debt on time.
After you take a loan at the cash desk or online on a card, you need to pay a certain amount every month in accordance with the payment schedule. You can see the order of payments in advance on our website. To do this, select an express loan and click on the "Calculate payments" button in its card. The program will generate a preliminary schedule, where the amount of monthly payments will be indicated and the structure of the loan will be visible - when is the interest repayment, and when is the principal amount.
You can pay for express loans in cash at bank cash desks, ATMs or online at personal account. You can also redeem with banknotes at the branches of the Russian Post. Not all of these options are suitable for every bank, so it is better to clarify the issue with the manager of the organization. It should also be borne in mind that some ATMs charge a commission, so be sure to check this information before making a payment.
How to choose and apply for a loan with an instant decision?
To find optimal credit online with an instant solution, use the Vyberu.ru search engine. Among the offers from banks in your region, you can consider card and cash loans, taking into account the size, repayment period and interest rate.
What are the pros and cons of a loan with an instant decision?
One of the main advantages of such a loan is the speed of its issuance. If we are talking about an express loan (in cash or with a transfer to a card), the bank must make an online decision immediately - and issue an instant loan within half an hour. To apply for an instant loan, for many banks it is enough to submit an application and provide a passport. An online loan with an instant decision, as a rule, does not require collateral and guarantee. Among the minuses, we note that you can apply for a loan online with an instant decision on a small amount and the repayment period will be relatively short. In addition, an instant loan usually has a high interest rate.
What is the difference between an express cash loan and a credit card?
Like other loans, an instant decision loan can be issued in different ways. The loan can be issued a credit card or a cash loan. Express loans in both cases imply an online solution right away. Credit to the card can be urgently transferred if the client already has it. If its issuance and registration is required, the instant loan can be transferred later. In addition, if a client receives a credit on a card, it is not always possible to cash out the funds.