Loan to a non-working person. How and where to get a loan for the unemployed
In conditions financial crisis some cannot find an organization that provides employees with a “white” salary and official employment, others find income by realizing their creative potential or the ability to work with their hands. Such people have one thing in common: wanting to get a loan and not being able to document their income, they will be classified as unemployed. There is no reason to worry, because loans for the unemployed are available.
Do they give loans to the unemployed?
The lack of a permanent job and the status of the unemployed are not an obstacle to obtaining a loan. Keep in mind that banks always prioritize their own benefit. When issuing a loan, the only thing the lender is worried about is the ability to return the money. If the source of income is difficult to document, the bank's credibility must be reinforced.
A reliable guarantor or collateral can convince a banking institution of the seriousness of your intentions. A bank that provides loans to the unemployed always has personal standards for choosing a client, based on internal requirements, standards and work experience. Therefore, having a passport and self-confidence, you can count on money loan.
According to the passport
If there are financial troubles that require an urgent solution, and the banking organization, as luck would have it, refuses to issue money, pay attention to the services of microcredit organizations. To obtain a loan here, you only need a Russian passport. A significant disadvantage lies in small loan amounts, on average up to 100 thousand rubles, repayment periods of up to a couple of months, and high interest rates.
With bad credit history
Credit history can be flawed due to factors beyond our control. Loss of a source of income, financial troubles or illness cause delinquency and non-payment. Documents confirming the onset of a black streak, which entailed a delay in the obligations assumed, a reliable guarantor who will be able to repay the debt or pledge of real estate, when considering banking organization loan application will tip the scales in your favor.
A loan for the unemployed with bad credit differs from other offers with a list of certain conditions, including an increased interest rate and a fixed limit borrowed money. But, having fulfilled the undertaken obligations on time, when you re-apply, count on gratitude banking institution, expressed in more favorable conditions loan.
Without certificates and guarantors
Loans to the unemployed without certificates and guarantors are issued by banks aimed at working with clients who have a source of income that is not documented. But, informal income does not mean its absence. The basis for consideration of the candidate is an interview, a completed questionnaire, with personal data, contact numbers, information necessary for making a decision. A citizen's earnings, confirmed by account statements or third parties, will help the bank make the right decision.
How to get a loan for the unemployed
Good credit history serves as an important argument when considering a loan application. Turning to a bank with which, to the joy of the parties, cooperation in the past ended successfully, the chances of a second loan are much higher. If the past experience was unsuccessful or you do not have the experience of a borrower, you should carefully approach the choice of a future lender. Loans for the unemployed, today, are presented in a variety of forms. Analyze the available arguments, prepare for the upcoming dialogue with the bank, evaluate your own strengths and start making a choice.
Guarantor
An effective argument for the lender is a reliable guarantor who came along with the borrower, who is ready to document his earnings and has a good credit history. The financial obligations of the unemployed, if not met, will be the burden of the trustee, reducing the risks of default own funds jar. The guarantor is chosen by a family member or close friend who is ready to support financial undertakings. The disadvantage of this method is the risk of letting down a person who has extended a helping hand in difficult times.
Pledge
Preferred option for banks. Being engaged in loans for the unemployed on such terms, the bank reduces the risk of non-return of its own funds to a minimum. The property provided as collateral is evaluated by the bank, serves as a guarantor of performance financial obligations. The disadvantage of the method is the special cost evaluation criteria. Mortgaged property, when arrested to pay off a debt, is implemented below market value. If you default on your debt, trying to get your collateral back, you will have to face certain difficulties, including paying off the debt in full.
An initial fee
This is a tool for assessing the financial commitment of the borrower by the bank, by analogy with an increased interest rate. Installing an initial fee on a loan in the amount of 30-50%, the borrower evaluates the reliability of the client and stimulates the prompt repayment of the remaining debt. This method is used mainly for people with bad credit history.
Business plan
Good idea for business does not guarantee quick enrichment. The path to success is difficult and thorny. It is difficult for a young entrepreneur to attract the attention of investors and funding. With a well-written business plan, the chances of obtaining credit funds are high. Using this method must take into account financial expenses and deferred income. A business strategy planned for a couple of years ahead, taking into account possible options developments, has a high chance of success.
Credit card
Modern and affordable way. Banks offer fast processing and home delivery of credit cards. Compared to a loan, it is easier and faster for an unemployed person to get a card. A significant plus is the renewable limit. With a one-time issuance of a card, paying off the debt in a timely manner, you can count on the amount of the established limit. But, the minus is a high commission when withdrawing cash, a monthly fee for using.
Broker
An alternative to independent search, an intermediary that helps the borrower navigate through the variety of offers, choosing the best. Taking into account the amount of interest on the loan, limits, hidden fees, requirements of banks, the broker will select the best option. Such assistance can speed up the search, free up time spent on visiting banks, studying the offered conditions, and the agony of choice.
When accepting help, you need to remember about the broker's remuneration, calculated as a percentage of the future loan. When entrusting a third party with the conduct of your own financial affairs, you must carefully choose an assistant. Unfortunately, no one is immune from the actions of scammers, especially in financial sector. Carefully study the terms of the contract, avoid transferring prepayments.
Which banks give loans to the unemployed
Adjusting to modern tendencies, banks are less likely to refuse loans to people with unemployed status. The generation of the young and ambitious is in no hurry to take their homes, finding their realization in areas that are not open to the general consumer. Banks, focusing on changing needs, create a variety of competitive, individual products for potential customers. Therefore, having decided on strong and weaknesses available ways to obtain a loan, you can proceed to the next step - choosing a bank.
A cash loan for the unemployed, without requiring income statements, collateral and the involvement of a guarantor, can be offered by:
- Rusfinance Bank in the amount of up to 50 thousand rubles at 23.08% for a period of up to 18 months without income statements, without collateral, without guarantee;
- Russian standard for up to 500 thousand rubles at 19.90% for up to 5 years without income statements, without a guarantee;
- Renaissance loan for up to 700 thousand rubles at an interest rate of 11.30% for up to 5 years without income statements, without collateral, without guarantee;
- Sovcombank for up to 1 million rubles at an interest rate of 18.40% for up to 5 years without income statements, without collateral, without guarantee;
- Moscow credit bank for up to 3 million rubles at an interest rate of 10.90% for up to 15 years without income statements, without collateral, without guarantee;
- Eastern Express for up to 200 thousand rubles at an interest rate of 22.70% for up to 36 months without income statements, without collateral, without guarantee;
- Renaissance Bank for up to 50 thousand rubles at 23.08% for up to 18 months without income statements, without collateral, without guarantee;
Considering how Alternative option credit card, you can pay attention to the product of Alfa Bank, offering to issue a credit card "100 days without interest" Mastercard Standard with credit limit up to 300 thousand rubles, annual rate 23.99 – 35.77% and grace period 100 days.
Micro credit organizations carry out their activities on the basis of licenses issued by the Central Bank of the Russian Federation, have a TIN and are a real alternative to banks. A loan to the unemployed on a passport will be issued without problems, but they may be asked for a second document confirming their identity, for example, a passport or a driver's license. Offers of microcredit institutions are not beneficial for the borrower due to high interest, short-term return of money. Offer amount within 5-100 thousand rubles for a period of 5 days at an interest rate of up to 2.5% per day.
Video
Do they give loans to the unemployed? How to get a loan for a non-working person? Every day, hundreds of similar queries are driven into the search line of Yandex and Google. People who find themselves in a difficult life situation, when there is neither work nor money, always want to help. But how? Assist in obtaining a loan? Explain under what conditions and where to get a loan for the unemployed?
This topic is ambiguous and controversial. On the one hand, indeed, there are situations when a loan to the unemployed is essential. How to issue it and in which bank, we will consider in detail below. On the other hand, everything is different - many do not realize the consequences of such a step. Credit is debt hole, from which almost none of the unemployed could get out without outside help.
Who is considered unemployed?
Banks and MFIs refer to unemployed citizens who are not officially registered at work:
- students;
- pensioners;
- people who are unemployed at the time of applying for a loan.
For the first two categories, credit institutions have developed special programs. Therefore, getting a loan for them is not a big deal. The main thing is to fit into the age limits prescribed in the regulations of banks. At the same time, the minimum age ranges from 18 to 26 years, the maximum is limited to 55-65 years for women and 70-75 for men.
The problem is with the unemployed. They should be divided into two categories:
- unemployed and without other sources of income;
- officially unemployed, but receiving a stable income from other sources, and often very decent.
By legal status, they are equal for the creditor. In practice, the former can count on a small loan amount at a very large percentages for the use of a loan, and the second - to receive a solid loan amount on terms that are loyal to the client.
Loans for the unemployed without sources of income
In Russia, the number of unemployed, according to official statistics, reaches 5-6%. This is a huge pool of customers for credit institutions. Moreover, a significant part of people who have lost their jobs are constantly in search of a loan.
The problem is partially solved by MFIs that issue loans to the unemployed without certificates and guarantors. Banks, until recently, refused this category of borrowers. Their decisions are logical and justified. A loan is always a risk of not getting the money back. Therefore, the filing of an application was accompanied by the execution of many papers confirming the ability of the debtor to repay the loan.
Big number potential borrowers, in conditions of fierce competition for each client, forced banks to change their policy and develop a promising market segment - people without work. The conditions for obtaining a loan are becoming more and more simple, an ever smaller number of papers have to be provided to bank employees for its registration.
This issue should also be looked at reverse side. Do you need a loan for the unemployed? After all, he does not have enough means of subsistence. Having issued a loan, he closes the problems of today, but aggravates, and sometimes very strongly, them in the future. After all, you will have to repay both the loan and the interest on it. To understand how much a loan is needed for an unemployed person, it is necessary to understand the purposes for which it is taken.
For food and pay utilities The unemployed do not need to look for additional sources of financing. The current social system for the protection of citizens in Russia makes it possible to receive benefits after registration at the labor exchange. It is enough for the purposes listed.
What remains is a consumer loan and finances for starting a business. When applying for a loan for a purchase, you always need to be 100% sure that there will be no problems when repaying the debt. Otherwise bailiffs describe the purchase and make you pay interest on the loan. As a result, the borrower will return to the situation before the loan, also with a debt on it.
It will be right to wait with the purchase of a product or a service. By finding a job with decent pay, you can fulfill your desire without any consequences. If a situation arises when a loan is really needed (for example, the illness of a family member), you can contact:
- microfinance companies;
- brokerage houses;
- private creditors;
- banks.
Microfinance organizations
The easiest way is to get a loan from an MFI. Here, without confirmation of income, it will be issued without refusal to everyone, including customers with a bad credit history. The price of such money is high. Here are large, up to 800% per year, interest rates on loans ("Fast Money"), a short loan term - up to 50 days, insignificant amounts - up to 15,000 rubles, large penalties for late payment.
In addition, the loan is transferred to the card. You can't cash out without a fee. Practice shows that a loan of 15.0 thousand rubles. often turns into 200.0-300.0 thousand rubles. debt. You should think very carefully before taking out such a loan.
Brokers
On the market financial services brokers appeared. In such offices, as a rule, former employees work. banking sector. Their advertising that they will help take out a loan to officially non-working clients is justified. But there are a few important things to keep in mind here:
- You will have to pay for the service from the same credit money;
- If the terms of the agreement are not met, the brokerage office will not return the payment made. It (the agreement), in principle, cannot spell out the condition for a mandatory conclusion loan agreement. The standard item is the provision of information about banks and their credit lines, which is always carried out. Such information can be found on the Internet independently;
- So far, there is no bank that issues consumer loans without collateral or guarantors to clients without financial sources of subsistence (work or any income from other activities).
It should be borne in mind that by contacting such an office, you can run into scammers.
Attention: if the borrower has the opportunity to take a loan secured by real estate or provide a guarantor, then the first two options should be discarded.
Private lenders
The situation with individuals who lend is ambiguous. On the one hand, there is no paperwork, an IOU is enough, and you can agree on the amount and interest in a personal conversation. Often the conditions are more loyal than in the bank.
On the other hand, it is not always possible to find such a source of funding in the area of residence, and there is also a high probability of falling into the clutches of scammers.
Banks
The best option for solving financial difficulties is a loan from a bank. Here lowest percentage per annum among all possible sources of replenishment family budget. Before we consider which banks give loans to the unemployed, we note a few important points.
1. It is unlikely that it will be possible to issue a consumer loan in cash at a bank in the described case. So far, there is not a single bank that does not require a certificate from the last place of work or in the form of 2-NDFL. Such a loan is possible only on the security of real estate or with the provision of a guarantor.
2. Trying to get a credit card does not give a full guarantee of obtaining a loan. Opponents may argue that most credit cards are issued online and do not require certificates from the last place of work. There is no problem.
Such a judgment is not entirely correct. Indeed, the application does not indicate the place of work, but in without fail TIN or SNILS number is required. According to them, the bank's security service will quickly establish the status of the client - working or unemployed, his average monthly salary. She will get this information from the database of the pension fund, where monthly contributions are visible. No fees, no work.
Where should I try to apply for a loan for a non-working person.
Based on this information, the credit department of the bank will make a decision on issuing a loan. If the client has been working for a long time, then he will be issued, but on more stringent conditions: an increased interest rate and an amount less than the requested one.
Attention: there are fees charged for servicing credit cards. Having repaid the debt on the loan, it is necessary to cancel the card, otherwise interest will be charged.
3. The analysis system will not work if the borrower applied for a loan within 30 days after the dismissal. AT pension fund there simply will not be a dash on the payment of contributions. Therefore, the applicant is employed.
4. The bank will always lend against the security of the loan. general conditions- there is no risk of non-repayment of the debt. The collateral can be real estate or a car. When taking out a loan, you need to be sure of its return. Otherwise, you can lose the collateral, and not at market prices, but at the estimated value.
5 B Banks always issue credit when a guarantor is provided. They don't care who pays it.
Bank loan offers for the unemployed
Which banks give loans to the unemployed? In the financial services industry, several programs have been developed to finance the unemployed.
Sberbank. In a consumer loan to the unemployed without additional sources income will be denied. High probability of registration in Sberbank credit card. Mandatory conditions:
- good credit history;
- owning movable or real estate not pledged to other organizations.
For reference: the property demonstrates financial opportunities client. The pledge is not issued.
These loans have higher interest rates, for each borrower are calculated individually. Limit - up to 15,000 rubles. All other requirements for the client and terms of provision are standard (see).
Alfa Bank. The situation with a consumer loan is similar to Sberbank. When making credit card there are differences:
- compulsory visit to the office;
- filling out a special questionnaire.
The bank's final decision on a loan application may be affected by:
- credit history;
- family composition (number of dependents);
- reliability of filling out the questionnaire;
- the presence of a house or apartment;
- appearance of the applicant.
The limit, interest rate and term of the loan are determined individually. If one of the positions does not suit the client, he may not sign the contract.
Tinkoff Bank. According to the passport on the day of the application, you can take it. The standard rate is 23.9%. Term up to 5 years. Age is over 18 years old. In the absence of a permanent income, the interest rate will be higher, the terms of the loan will be shorter, the limit will be less. From the documents you need to provide:
- passport;
- driver's license;
- TIN or SNILS.
Loans for the unemployed with additional income
Among the unemployed there is a large stratum of people who live in comfortable conditions - they have other sources of livelihood. Among them:
- people of free professions - artists, writers, composers, etc.;
- representatives of folk art;
- rentier - live on interest from shares, bank deposits etc.;
- illegal immigrants - working without registration of labor contracts (freelancers (remote work on the Internet), coven workers);
- migrant workers are persons who periodically go to work outside of Russia.
How to get a loan for the unemployed in such conditions? Here, the conditions for obtaining a loan change significantly, but only in banks. Having considered the application and documents confirming the amount and sources of income, the bank approves not only the issuance of a credit card, but also a consumer loan, including cash. The loan amount can be significant. Among the creditors:
- Sberbank;
- Post Bank;
- Tinkoff Bank;
- Bank "Renaissance Credit";
- Russian standard.
In each of them, a potential client will be offered several credit lines, the conditions for granting a loan will be individual.
Business plan loan
Can I get a loan to start my own business? At the moment, in Russia, all banks willingly issue a loan to already working individual entrepreneurs or legal entities. The program of assistance to novice businessmen that existed at Sberbank has been curtailed.
A well-written business plan leaves little chance of getting start-up capital. You must be persistent in achieving your goal.
Leasing provides for an initial payment of 20-30%. Consequently, the amount initially requested from the lender will also be 20-30%, and these are completely different risks. The probability of obtaining such a loan is very high.
If you lose your job, you should be careful about applying for a loan. One or two delays and penalties due to penalties will turn into a snowball of problems that will haunt the borrower for a very long time.
Related videos
Today, the majority of officially unemployed citizens are, as a rule, self-employed people with good income which they cannot confirm. For banks, this circumstance is often a reason for refusing to provide a consumer loan. Large financial institutions are ready to approve a loan for the unemployed, provided that collateral is provided or a reliable guarantor is available.
Where to get a loan without official employment?
Pensioners can count on obtaining a loan without certificates and guarantors. For registration, they will need a pension certificate, a passport and a certificate from the Pension Fund confirming the receipt of a pension. Loan programs for pensioners are offered by many banks. The interest rate on such loans in 2019 varies between 10-15%.
The presence of collateral or a guarantor will help increase the chances of loan approval for the unemployed without proof of income. In such cases, banks are more willing to lend funds. An additional plus will be a good credit history in the same bank.
Collateral is an opportunity to receive loan funds for a student without work experience, as well as for individuals with a bad credit history.
Which banks offer loans to the unemployed?
You can get a loan without official work in the amount of up to 5,000,000 rubles per year in the following banks:
Name | Documentation | |||
Renaissance Credit | Russian passport + application | from 55 to 70 years |
||
Uralsib Bank | passport + 1 document | certificate from the FIU, without guarantee | 40 to 70 years old |
|
Post Bank | passport + 1 document | without proof of income and guarantee | from 18 to 75 years old |
|
Promtransbank | Russian passport + 1 document | without proof of income and guarantee | from 18 to 70 years old |
|
Russian Standard Bank | Russian passport + application | without proof of income and guarantee | from 23 to 70 years old |
In most cases, collateral will be required to approve a loan. Without collateral and provision of income statements, banks offer a loan with a sufficiently high interest rate - up to 28% per annum.
How to get a loan for the unemployed?
On our website you can see which bank issues a loan to the unemployed on the basis of a passport on the day of application. For this you need:
- Fill in the appropriate fields of the search form - enter the term and amount, or use the advanced settings.
- From the options presented, choose the most suitable one by clicking on the "Apply" button.
- On the page that opens, fill out the online loan application form and send the data to the bank by clicking the appropriate button.
- After a preliminary check, the bank manager will contact you and agree on the time and place of the meeting.
- After providing a full package of documents and their verification, a final decision will be made on issuing a loan.
A large selection of loan products allows you to compare different options in terms of interest rates, monthly payments and other parameters.
Methods for issuing and repaying a loan
In case of a positive decision, the client can receive funds to a bank account, card or in cash. You can make payments through ATMs and payment terminals, at the branch through the cash desk and by bank transfer. AT big banks The client is offered a wide range of convenient debt repayment options.
Where else can you get a loan for the unemployed on a passport without references?
You can get a loan on a card for the unemployed in various MFIs. You can find a suitable offer on our website, in the "Loans" section. MFIs are less demanding on borrowers than banks, so even borrowers with delinquency and bad credit history can get a loan urgently.
There are no hopeless situations in the world. There will definitely be a solution to the problem, if you do not despair and act correctly. Imagine that a person for some reason lost his job, which for him is a constant source of income, which recent times happens more and more often. And he is forced to work for himself, or to interrupt by casual part-time jobs.
But you have to live on! It is difficult to find a suitable official permanent job in today's realities. Moreover, the remnants of personal savings (if any) have an inexorable property to end quickly. Friends and acquaintances are in the same financial position, barely making ends meet. Plus, behind the back is a family, children ...
Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.
It's fast and FOR FREE!
What to do, where to get guaranteed support? Banks do not give loans to the unemployed due to the lack of an official job of the applicant, and there are no relevant documents about this.
Exactly Bank loan becomes a way out of the situation. Relatively recently, banks appeared the new kind lending - loans on trust, without certificates and guarantors. These are "loans to the unemployed without certificates and guarantors", although credit organizations are not very willing to accept them.
Frankly speaking, they are not very profitable for them, and therefore they increase interest rates on loans to the unemployed (usually more than 30 percent), shifting the risks to the applicant. But be that as it may, permission "from above" for the issuance of such loans is officially given, and interest is a matter of the distant future in the current situation of the newly minted unemployed.
Where to get a loan
Getting bank loans to the unemployed without certificates and guarantors is a chance for the continued existence of the poor. There are at least three ways to get such a loan.
Bank
Loan options are as follows:
Note: the second option will take more time due to the larger number of other documents.
In order to save time and effort and obtain a positive bank decision on issuing a loan to an unemployed person, they often turn to intermediaries in brokerage houses for help.
Private person
Today at bank lending a loan from a private investor is becoming popular. The main advantage of solving the problem of a loan in this way is the possibility of discussing personal terms of credit with a living concrete person, which increases the likelihood of success in obtaining money and makes it easier to pay off the loan.
But there is one “but” here - it is possible to find an investor who is ready to provide a loan without guarantees of return, but it is difficult. Usually, individuals provide a loan secured by liquid property (personal car, etc.).
MFI
In addition to the bank, there are currently many other organizations that can give a loan. to an individual. These are microfinance institutions (MFIs). All of them are extremely easy to apply for a loan. You can get a loan for the unemployed without certificates under 100 percent approval from them instantly, regardless of the absence of income certificates and even the state of the borrower's credit history.
But the problem is that:
- MFIs provide loans for small amounts. It is useless to count on a large amount in a non-banking organization.
- Loan repayment terms are minimal (rarely up to a year).
- A positive response and the speed of registration are compensated by them with almost draconian interest rates, due to which the overpayment of the loan can far exceed the original loan amount.
- Interest is calculated not on a monthly basis, as in a bank, but on a weekly basis (which means that their repayment is becoming more frequent).
Microloan
Let us dwell on the last type of lending in more detail, since getting a loan for the unemployed without certificates under 100 percent approval is the fastest way to solve the problem of lack of money on your own, bypassing numerous bureaucratic banking obstacles.
These conditions are typical for any microfinance companies:
Loan amount limit | Theoretically, according to the law, you can get no more than 100,000 rubles, but in practice they often give out no more than 3-15 thousand rubles. |
Loan terms | Many MFIs indicate the terms of return from several days to a month. It is possible to find a period of up to 3-6 months, and extremely rarely - up to a year. |
Interest value | Interest rates on loans do not exceed 60 percent per annum. Cheaper than 1-2 percent per day, microloans are very difficult to find. |
No guarantors or collateral | Loans for the unemployed without certificates and guarantors can be obtained without searching for guarantors and pledging property. |
No need for proof of income | Personal income is confirmed verbally. Microloans are allowed if there are other sources of income (pension, income from the activities of individual entrepreneurs, etc.). |
Microfinance organizations meet the needs of all adult citizens of our country and issue loans almost without refusal. Of the documents, it is enough to present only a passport. A damaged credit history does not affect the positive decision of the MFI.
There is, although not a big, probability of being denied credit:
- delinquencies on loans already taken;
- outstanding microcredit in this company;
- provision of false or false references.
Judging by the register, there are several thousand registered MFIs in our country, but only hundreds are practically active. An example of an MFI that is beneficial for an unemployed borrower with relatively low interest rates per day and fairly long repayment periods for a microloan is Home Money (up to 455 days) and Viva (up to 365 days).
You can draw up a microloan agreement for the unemployed in person at the MFI office, through a company agent at home or online.
A loan for the unemployed without certificates under 100 percent approval can be obtained using any of three options:
- cash (office, company agent at home, postal transfer system);
- money in in electronic format(if there is internet);
- by transfer to any bank account or plastic card especially with the help of the internet.
They are similar to the methods of obtaining a loan and are also convenient for the borrower.
Auto loan for the unemployed
Such a loan is not from the realm of fantasy, but the reality of our life, and it is widely popular. Today it is possible not only for wealthy persons from the point of view of the bank, but also for officially unemployed, who previously did not even dream of purchasing a used or even a new car.
Car loan without proof of income or work book is taken today in a car dealership, as well as in almost any bank or other credit institution, although in financial institutions may require these documents.
There are two options for obtaining a loan without references:
Tough conditions for car loans for the unemployed:
In addition, the borrower must additionally take into account cash costs for fees for receiving money, opening an account, etc. He must be ready, in addition to his passport and driver's license, to present documents confirming third-party income (if any).
To avoid unnecessary overpayments, it is better to pledge your property to the bank and thereby slightly reduce interest, while proof of income is no longer required.
Bank car loans without certificates is a rather lengthy process. It can be accelerated many times over by turning the wait for a decision from days into hours if the bank has an express lending program, such as, for example, either " Quick loan» in , while the applicant electronic card these banks.
Offers are assistance in the selection of financial services/organizations. Not an offer. The site administration is not responsible for the quality of the services provided.
Credits are here!
You need money? Brokers are ready to help! Below on the page are ads of credit brokers and their contacts. Contact the experts directly by choosing the most attractive ad.
Call the number in the ad to get a loan on the specified conditions. Brokers themselves will collect a package of documents and issue a loan at the most favorable interest rate!
- Attention! We work WITHOUT INFORMATION! WITHOUT PAYMENT! AND MOST IMPORTANTLY OFFICIAL AND RELIABLE!
- We do not work with Open Delays! Allowed up to 1 week!(Hurry up)
- We do not work with citizens of the Crimea and the Caucasus
- Loan term from 6 months to 5 years. Depending on the chosen program!
- Interest rate from 11 to 25% per annum based on your credit history!
- Requirements for the Borrower: Passport and Any other document
- Age from 18 to 69 years old inclusive
- Amounts from 15,000 to 1,000,000 on hand by Express in 1 hour
- We are 5 minutes from the metro! Call from 10 00 to 21 00
- We work remotely with the regions! Write to whatsapp. Website: www.mskkredit24.com
Name: Michael
Mail: [email protected]
LESTERCOM LLC
For citizens of the Russian Federation except (Crimea and the Caucasus). WE WORK STRICTLY WITHOUT ADVANCE PAYMENT, INFORMATION AND COMMODITY CREDIT! Mandatory requirements:
- Age from 18 to 69 years old, passport of a citizen of the Russian Federation
- Absence of open overdue payments on loans*
- Presence in MOSCOW. Our advantages:
- Term of obtaining a loan for 1 hour
- Amount up to 1 million rubles, loan term up to 60 months!
We can announce a preliminary DECISION OVER THE PHONE* We guarantee the reliability and quality of service! We accompany clients until the end of the transaction We are located in Moscow! Call now if you really need help!
Name: Elena
Mail: [email protected]
IP Maksutov B.R.
Our Organization has been providing assistance in obtaining a loan for citizens of the Russian Federation for more than 10 years
We work in Moscow. WE DO NOT TAKE PAYMENT FOR WORK!
- We will help you get a loan in a short time (up to 5,000,000 rubles)
- Adequate Commission on the fact of the work performed
- Bank Rate from 10.9 to 13.9%, we issue without insurance!
- We work with Zero credit history, with a Credit load, without confirmation of Income
- We have connections in banks at a high level, which will allow us to really ensure Approval
- From you it is necessary: Passport + second Document, age 18-70 years
- ATTENTION! WE DO NOT HELP WITH A BAD CREDIT HISTORY!
Name: Gennady Borisovich
Mail: [email protected]
LLC "CREDIT CONSULTING"
We will help you get a bank loan on favorable terms for you.
Full consultation on collection and registration required package documents.
We accompany you at all stages of the transaction. We work WITHOUT prepayment.
The offer is valid for citizens of the Russian Federation who do not have overdue debts on loans and borrowings.
Before 5.000.000 rub. from 10.9% per annum for up to 7 years.
We know where the desired amount will be approved for you and we always contribute to a positive decision.
Name: Andrey
Mail: [email protected]
SKP LLC
Guaranteed Approval through personal Banking. We are in Moscow
WE WORK WITHOUT PREPAYMENTS. COMMISSION ONLY AFTER RECEIVING MONEY
- Age from 18 to 70 years old, Passport of a citizen of the Russian Federation
- We help with zero history, credit load, working without 2NDFL
- OFFICIAL REGISTRATION THROUGH THE BANK. EVERYTHING IS LEGAL AND LEGAL!
- Minimum Commission upon completion of work
- Rate 9-15% per annum, for up to 10 years, Without insurance
- Without running around the Banks, buying certificates and other unpleasant "Surprises"
- Our Brokers provide financial assistance for over 10 years
- ATTENTION! WE DO NOT WORK WITH A BAD CREDIT HISTORY
Name: Maxim
OOO "PREMIUM FINANCE"
We work with all regions of the Russian Federation. RECEIVING IS POSSIBLE IN MOSCOW, ST. PETERSBURG AND 25 CITIES OF THE RUSSIAN FEDERATION. WITHOUT ADVANCE PAYMENTS.
- no proof of income
- loan amount up to 3,000,000 rubles
- we represent the guarantor
- commission after receiving a loan
- processing time 1-2 days
- Assistance in loan refinancing
- fair transparent conditions
- age from 18 to 70 years old, we work with a criminal record
Daily from 8.00 to 21.00 (Moscow time).
Name: Alexander
Mail: [email protected]
OOO SPECINVEST
Same day loan.
- Amount from 10,000 rubles to 1,000,000 rubles within one working day.
- Amount up to 3,000,000 rubles within 2 or 3 working days.
- Loan repayment period from 3 months to 7 years.
- Maybe early repayment loan.
- Age from 18 to 75 years.
- We work HONESTLY and strictly without collateral, without guarantors and WITHOUT ADVANCE PAYMENT.
- We work from 9-00 to 21-00. Seven days a week.
- We guarantee 100% result in receiving money.
Call us and we will definitely help you! We do not work with blacklists.
Name: Alexander
Mail: Call: 8-985-316-25-85 Alexander
IP Serdechnaya E.V.
Name: Anton
Mail: 89859702213
MERIDIAN LLC
Requirement Russian passport and any + any second document
- No open late payments on loans
- Age from 18 to 70 years old inclusive
- Mandatory presence in Moscow, we do not work remotely
- Address of registration any region except (Crimea and Caucasus)
- Amount from 15,000 - 1 million rubles, depending on the clinical trial and your workload
- We are located 5 minutes from the metro throughout Moscow
- Transaction time 30 - 40 minutes
- We work seven days a week from 10 00 to 21 00
- 100% Guarantee of obtaining a loan if all conditions are met
Name: Vitaly
Mail: [email protected]
IP Stankov S.S.
Approval of loans in Moscow in 1 hour without certificates and prepayments for all citizens of the Russian Federation.
- We guarantee RELIABILITY, SPEED, QUALITY - we will select the most low interest and the best loan product. WITHOUT INFORMATION AND ADVANCE PAYMENTS.
- low commission upon receipt. low lending rates from 11.3% per annum.
- WE REFUND DEBTS IN MFIs. WE WORK WITH OPEN DELAYS UP TO 15 days.
- ALL OPERATIONS CEREZ BANKS PARTNERS.
- from 10,000 to 1,500,000 rubles a day of treatment.
- from 18-80 years old. Term up to 5 years.
Mandatory presence in Moscow. We work with all regions of Russia. Give us a call and we'll help you. Daily from 9-22.00. Website: http://creditmsk24.ru
Name: Alexander
Mail: [email protected]
FOR-INVEST LLC
We invite brokers and intermediaries to cooperate (Moscow and all regions)
- We accept any volume of clients. Receipt in Moscow / St. Petersburg
-Amounts up to 1,000,000 r (more depending on the client)
-Come already to receive (no running around the banks)
-APPROVAL By phone (100%)
-Fast. Honestly. Reliably. unemployed and pensioners.
- WITHOUT ADVANCE PAYMENTS! NON-COMMERCIAL CREDIT. CASH ONLY
- WhatsApp, Viber, Telegram (In touch)
*requirements to the borrower STRICTLY WITHOUT OPEN DELAYS!
* We help everyone except the Caucasus and Crimea.
Call - we will be glad to cooperate
Name: Sergey
Mail: [email protected]
IP Sinitsyna O.A.
The main thing is that you don’t make prepayments, you don’t buy certificates and in the end you get money on your passport!
Loan processing is fast and convenient, the package of documents is minimal.
From you PASSPORT and SNILS and NO OPEN DUE PAYMENTS ON LOANS.
Age from 18 to 70 years. Registration in the Russian Federation.
We work with the unemployed and informally employed population.
Loan amounts from 10,000 to 1,000,000 rubles for up to 5 years.
Receipt on the same day of application, the process of registration of 30 - 40 minutes.
Payment of the commission after you receive the loan.
Registration and issuance from 10 00 to 20 00. We work seven days a week.
Urgently need money - call, write!
Name: Roman
Mail: [email protected]
OOO "SPEKTR M"
Amounts from 250,000 to 4,900,000, age from 19 to 69 years. The commission depends on the amount and complexity of your situation! Only when you receive Money! Strictly WITHOUT ADVANCE PAYMENT, call and write only to adequate people, in their right mind!!! We have no business with "Alcoholics" and "Drugs"! Remote filing of an application, you come only to receive, to a specific employee in a specific department! CONSIDERATION FROM A FEW HOURS TO A DAY (depending on the amount)! WE WORK WITH ALL REGIONS WHERE THERE ARE BRANCHES OF OUR BANK! Terms 10.6-12.9% per annum, loan term up to 10 years. We do not ship! We work with a specific bank, where we have good opportunities at the level of the Security Council and the Board of the Bank
Name: Semyon Olegovich
SIBTEK INVEST LLC
Loan without refusal to citizens of the Russian Federation, 21-65 years old. Registration in Moscow.
NO PREPAYMENTS! NO PAYING AND BUYING ANYTHING!
We work honestly - the commission is only after receiving the loan.
Let's help the working and UNEMPLOYED, pensioners and students!
We will issue with a clean ki, with a credit load, with refusals in banks, etc.
WITH OPEN DELAYS WE WILL NOT BE ABLE TO HELP!
You can find out the solution by phone, come already to RECEIVE!
AND FOR THE FIRST TIME! Up to 240,000 rubles can be received remotely on the card!
Call daily from 08.00 to 23.00 We will be happy to help everyone!
Name: Ivan
Mail: [email protected]
WATERLUX LLC
- HELP IN OBTAINING A LOAN IN MOSCOW!
- WITHOUT PREPAYMENTS! WITHOUT INFORMATION AND GUARANTEE!
- Requirement Passport and second document on request
- Age from 18 to 70 inclusive
- We do not work with Open Delays
- INTEREST RATE FROM 11 TO 29% (REAL INTEREST RATE)
- AMOUNT OF CREDIT (loans) from 20,000 to 1,500,000
- We work from 8:00 to 20:00 Moscow time
- Write and Call we will work with you!
- YOU CAN TRUST US! CONFIDENTIAL AND SAFE!
Name Vera
Mail: [email protected]
IP Dzhioev A.T.
Our advantages:
- Term of receipt 1 hour
- Preliminary DECISION can be announced BY PHONE
- Amount - up to 1 million rubles.
- Without certificates and other documents, ONLY PASSPORT is needed
- Loan term up to 5 years
- Individual approach
- We are located in Moscow, several offices: Tushinskaya, Kuntsevskaya, Barrikadnaya, Myakinino!
* Mandatory condition: no active delays, registration - all regions except the Caucasus and Crimea. Contact us, we will be happy to help! NON-COMMERCIAL CREDIT. WITHOUT ADVANCE PAYMENTS.
WE INVITE FOR COOPERATION intermediaries and brokers from the regions, we will be glad to interact.
Name: Sergey
Mail: [email protected]
OOO F.P.M.
Amounts from 100 thousand rubles to 17 million rubles. Money is given out in CASH, IN THE OFFICE. It is possible to receive the required amount on a card or bank account, provided that all conditions are met and all required documents. I issue a loan at 12% per annum, for any period convenient for you up to 15 years. WITH THE POSSIBILITY OF EARLY REPAYMENT. Age from 18 to 55 years. WITHOUT ADVANCE PAYMENT, WITHOUT ANY COMMISSIONS.
Name: Stanislav Samoilovich
Mail: [email protected]
OOO "PREMIUM FINANCE"
We work without prepayment!!!
Any registration of the Russian Federation
Commission upon receipt
Job references are not required!
Age from 18 to 65 years
The loan is issued through official registration in the bank
We will help even the unemployed to get
You need a passport and any other document
Many offices in Moscow near the metro
We cooperate with the regions!!!
Name: Artem
Mail: [email protected]
OOO "DEIO"
- Receipt of money on the day of treatment (up to 5,000,000 rubles)
- Payment for all our services only after receiving the money in hand
- Assistance to the unemployed and informal workers
- We work with Zero credit history
- No additional fees or charges. Minimum Commission!
What is required from you:
- Citizenship of the Russian Federation, STAYING IN MOSCOW, age from 18 to 70 years
- WITH A BAD CREDIT HISTORY WE DO NOT WORK!
- We have been working with banks for a long time and honestly. All our Clients receive loans!
- If we take it, we do it! Detailed phone consultation
- We receive calls from 9 am to 11 pm. We work 7 days a week
Name: Viktor Sergeevich
LLC "CREDIT EXPERT"
Loan in Moscow. Registration - any, except for the Caucasus and Crimea. 100% Guarantee of receipt.
Up to 1,000,000 rubles in 30 minutes on a passport, including the unemployed.
Officially employed up to 2,500,000 rubles without certificates on the day of treatment!
Up to 5,000,000 rubles in 1-2 days with proof of income (certificates from work, services).
Unemployed and Working. IP and General Directors. State employees and pensioners.
For individual entrepreneurs(IP) and LLC up to 7,000,000 rubles in the shortest possible time.
Special offers for employees Government institutions and large companies.
We don't charge for anything! Mandatory presence in Moscow or MO.
ATTENTION: WE WORK STRICTLY WITHOUT OPEN DELAYS (closed delays are allowed up to 30 days).
Name: Oleg Vladimirovich
Mail: [email protected]
LLC "Marketing Hall"
We make approval in the most difficult situations.
Namely:
* many bounces
* negative consequence mailings to banks
* lack of formal employment.
We work without prepayment, hidden commissions, guarantors and collateral.
Prompt processing of your application.
Requirements: Russian passport, second document.
The offer is limited.
More detailed information can be obtained by asking questions by phone or mail.
Name: Alexander
Mail: [email protected]
IP Gonchar G.A.
I will provide professional assistance in the approval and obtaining a loan.
I work only through my employees in the bank.
Without prepayment and mailings to all banks. Interest rate 14.8% per annum.
My commission after receiving when leaving the bank.
The decision and receipt of the loan takes place the next day after the application.
I work with clients:
* from 18 to 65 years old
* from any region of Russia (including the Caucasus and Crimea).
* receipt strictly in Moscow
Name: Michael
Mail: [email protected]
OOO "SHILKA"
Quick loan-loan from 10,000 to 900,000 tr. in Moscow in 30 minutes without INFORMATION and Prepayments
- Requirement from the borrower Passport and any other document (SNILS, TIN, RIGHTS)
- Mandatory presence in Moscow
- The age of the borrower is from 18 to 80 years
- Loan term up to 5 years
- Strictly to the borrower without open overdue (delays up to a month are allowed)
- 100% guarantee provided that there are no open delays
Call us and you will receive high-quality advice and real help not empty words
We also offer collateral, refinancing, and mortgages.
We work every day from 9:00 to 21:00
Name: Alexey
Mail: [email protected]
LLC "FALERON"
WITHOUT DEPOSITS AND ADVANCE PAYMENTS! COMMISSION ONLY AFTER RECEIVING MONEY!
-The offer is valid only until the New Year (as long as there are certain "windows" where to put you!
-We will guide clients with zero credit history or with a heavy load
- As well as those who work unofficially, without proof of income (we will do everything ourselves)
- The minimum commission on the fact of the work performed
- The rate is 9.8 - 13% per annum, for up to 10 years, possibly without insurance!
- Registration of a loan to citizens of the Russian Federation (all regions with a Passport +2 any documents, from 18 to 70 years old)
We only work with the right people! (Drug addicts, alcoholics and other rabble are not interesting to us)
Call! Our professionals will definitely help you!
Name: Semyon Olegovich
Mail: [email protected]
SIBTEK INVEST LLC
Amounts from 10,000 ₽ to 3,000,000 ₽. Terms up to 7 years (84 months) with early repayment
Insurance can be removed or left
No paperwork - no upfront fees
Remote registration is possible if you are not in Moscow!
Requires Passport and SNILS (insurance certificate)
Rates from 14.5% per annum - depending on the Bank
We cooperate with all Banks in Moscow
We advise everyone without exception - FREE OF CHARGE!
Our contacts: What's app. Viber. Telegram. The number is listed below.
If it is not possible to call, write and we will call you back!
Write, call from 8:00 to 22:00 Moscow time, seven days a week!
Name: Alexander
Mail: [email protected]
IP Bogdanova V.F.
You:
- No permanent job? Loan arrears?
-Good credit history, but heavy workload? Banks just refuse?
We will help you solve any problem! 100% assistance in obtaining a loan in Moscow! Amounts up to 500 thousand within an hour! Up to 2 million within 1 business day. Individual approach to each client! For registration, you only need a Russian passport and a second document of your choice! Interest rates from 9% per annum. We do not require guarantors and do not take an advance payment! Without collateral! The age of the borrower is from 19 to 75 years. Accommodation Moscow and MO. Opening hours: 8:00 - 21:00 seven days a week!
Name: Andrey
Mail: [email protected]