Loan to a non-working person. How and where to get a loan to the unemployed
In the conditions of the financial crisis, some cannot find an organization that provides employees with a “white” salary and official employment, while others find earnings 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 are no reasons for concern, because loans for the unemployed are available.
Do they give loans to the unemployed
The lack of a permanent job and the status of unemployed are not an obstacle to obtaining a loan. Keep in mind that banks always put their own benefit at the forefront. When issuing a loan, the only thing the lender is worried about is the ability to repay the money. If the source of income is difficult to document, the trust of the bank needs to be strengthened.
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 a cash loan.
By passport
If financial troubles have arisen that require an urgent solution, and a banking organization, as luck would have it, refuses to give money, pay attention to the services of microcredit organizations. To get a loan, you only need a Russian passport. A significant minus is in small loan amounts, on average, up to 100 thousand rubles, repayment periods of up to a couple of months, high interest rates.
With bad credit
Credit history can be faulty due to factors beyond our control. Loss of source of income, financial turmoil or illness cause delinquencies and defaults. Documents confirming the onset of a black strip, which entailed the delay of the obligations undertaken, a reliable surety who can pay off the debt or mortgage of the property, when the banking organization considers the loan application, will tip the scales to your side.
A loan to an unemployed with a bad credit history differs from other offers by the list of certain conditions, including an increased interest rate and a fixed limit on borrowed funds. But, having fulfilled the obligations on time, upon repeated appeal, count on the gratitude of the banking institution, expressed in more favorable terms of the loan.
Without information and guarantors
Loans to unemployed without references and guarantors are issued by banks aimed at working with clients who have a source of income that is not documented. But, unofficial income does not imply its absence. The basis for consideration of the candidacy is an interview, a completed questionnaire, with personal data, contact numbers necessary for decision-making information. Earnings of a citizen, confirmed by account statements or by third parties, will help the bank make the right decision.
How to get a loan to the unemployed
A good credit history is a significant reason when considering a loan application. Turning to the bank, with which, to the delight of the parties, cooperation in the past ended successfully, the chances of a second loan are much higher. If past experience was unsuccessful or you do not have the experience of a borrower, you should carefully choose the 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 proceed with the choice.
Guarantor
A valid argument for the lender is a reliable guarantor, who came with the borrower, who is ready to document his earnings and has a good credit history. The financial obligations of the unemployed, if not fulfilled, will be the burden of the trustee, reducing the risk of non-return of the bank’s own funds. The guarantor is a family member or close friend who is ready to support financial endeavors. The disadvantage of this method is the risk of letting a person who reaches out in a difficult moment.
Pledge
The preferred option for banks. Carrying out loans for the unemployed on such conditions, the bank reduces the risk of non-return of own funds to a minimum. The property provided as collateral is evaluated by the bank and serves as a guarantor of fulfillment of financial obligations. The disadvantage of the method is the special cost evaluation criteria. Mortgaged property, when arrested to pay off debt, is sold below market value. If you fail to pay a debt, trying to repay your security deposit, you will have to face certain difficulties, including full repayment of the debt.
An initial fee
This is a tool for assessing the financial liability of the borrower by the bank, by analogy with an increased interest rate. By setting the down payment on the loan in the amount of 30-50%, the borrower assesses the reliability of the client and encourages the early repayment of the remaining debt. This method is mainly used for people with a bad credit history.
Business plan
A good business idea does not guarantee a quick enrichment. The path to success is complex and thorny. It is difficult for a young entrepreneur to attract investor attention and financing. With a well-designed business plan, the chances of obtaining credit are great. When using this method, it is necessary to take into account financial expenses and deferred income. A business strategy, planned for a couple of years in advance, taking into account possible scenarios, has a great chance of success.
Credit card
Modern and affordable way. Banks offer fast processing and delivery of credit cards to your home. Compared to a loan, it is easier and faster for an unemployed to get a card. A significant plus is the renewable limit. With a one-time card issuance, timely repaying the debt, you can count on the amount of the established limit. But, the minus is the high commission for cash withdrawals, subscription fees for use.
Broker
An alternative to self-search, an intermediary that helps the borrower to maneuver in a 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 choose the best option. Such help can speed up the search, free up time spent visiting banks, studying the proposed conditions, the pain of choice.
When accepting help, you need to remember about the broker's remuneration, calculated as a percentage of the future loan. Trusting a third party to conduct your own financial affairs, you must carefully choose an assistant. Unfortunately, no one is safe from the actions of scammers, especially in the financial sector. Carefully read the terms of the contract, avoid transferring prepayments.
Which banks give loans to non-working
Adjusting to current trends, banks are less likely to refuse loans to people with unemployed status. A generation of young and ambitious is in no hurry to occupy their homes, finding their realization in areas that are not open to a wide consumer. Banks, focusing on changing needs, create many competitive, individual products for potential customers. Therefore, having decided on the strengths and weaknesses of the available methods of obtaining a loan, you can proceed to the next stage - choosing a bank.
A cash loan to the unemployed, without requiring income statements, a pledge and a guarantor, can be offered:
- 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 in the amount of up to 500 thousand rubles at 19.90% for a period of up to 5 years without income statements, without a guarantee;
- Renaissance loan in the amount of 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 in the amount of up to 1 million rubles at an interest rate of 18.40% for a period of up to 5 years without income statements, without collateral, without guarantee;
- Moscow Credit Bank in the amount of up to 3 million rubles at an interest rate of 10.90% for a period of up to 15 years without income statements, without collateral, without guarantee;
- Orient Express in the amount of 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 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;
Considering a credit card as an alternative, you can pay attention to the product of Alfa Bank, which offers to issue a MasterCard Standard credit card with a credit limit of up to 300 thousand rubles, an annual rate of 23.99 - 35.77% and a grace period of 100 days.
Microcredit organizations operate on the basis of licenses issued by the CBR, have a TIN and are a real alternative to banks. Loans to the unemployed under the passport will be issued without problems, but they may ask for a second identity document, for example, a passport or a driver’s license. Offers of microcredit institutions do not differ in benefit for the borrower due to high interest rates, short-term repayment. The amount of the proposal in the range of 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 to a non-working person? Every day, hundreds of similar queries are driven into the search bar of Yandex and Google. People who find themselves in a difficult life situation, when there is no work, no money, always want to help. But how? Contribute to obtaining a loan? Explain under what conditions and where to get a loan to the unemployed?
This topic is controversial, controversial. On the one hand, indeed, there are situations when a loan to the unemployed is urgently needed. How to arrange it and in which bank, we will consider in more detail below. On the other hand, everything is different - many do not realize the consequences of such a step. A loan is a debt hole, from which almost no 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
- seniors;
- people who do not have a job at the time of applying for a loan.
Special programs have been developed for the first two categories in credit organizations. Therefore, obtaining 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. Moreover, the minimum age ranges from 18 to 26 years, the maximum is limited to 55-65 years for women and 70-75 for men.
Difficulties arise precisely in the unemployed. They should be divided into two categories:
- not having work and other sources of income;
- officially unemployed, but receiving 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 very high interest for using the loan, and the latter can receive a substantial loan amount on conditions loyal to the client.
Loans to unemployed without sources of income
According to official statistics, the number of unemployed in Russia reaches 5-6%. This is a huge reserve of customers for credit organizations. 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 issuing loans to the unemployed without certificates and guarantors. Banks, until recently, refused such a category of borrowers. Their decisions are logical and reasonable. A loan is always a risk of not getting money back. Therefore, the filing of the application was accompanied by the execution of many papers confirming the ability of the debtor to repay the loan.
A large number of potential borrowers, in the face of fierce competition for each client, forced banks to change their policies 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 securities have to be provided to bank employees for its preparation.
This problem should be looked at from the reverse side. Do I need a loan to the unemployed? After all, he already has insufficient means of subsistence. By applying for a loan, he closes the problems of today, but exacerbates, and sometimes very much, them in the future. After all, you have to give back a loan, and interest for it. To understand how much you need a loan to the unemployed, you need to understand the goals for which it is taken.
The unemployed do not need to look for additional sources of financing for food and utility bills. The social protection system of citizens in Russia allows receiving benefits after registration at the labor exchange. For these purposes, it is enough.
Remains consumer credit and finance to open a business. When applying for a purchase loan, you must always be 100% sure that there will be no problems in repaying the debt. Otherwise, the bailiffs will describe the purchase and force to pay interest on the loan. As a result, the borrower will return to the situation before the loan, also with debt on it.
It will be correct to wait with the acquisition of goods or receipt of services. Having found a job with decent pay, you can fulfill a desire without any consequences. If you have a situation when you really need a loan (for example, a family member’s illness), you can contact:
- microfinance companies;
- brokerage houses;
- private lenders;
- cans.
Microfinance Organizations
The easiest way to get a loan in 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, large, up to 800% per year, interest rates on loans (“Quick Money”), a short loan term - up to 50 days, insignificant amounts - up to 15,000 rubles, large penalties for late payments.
In addition, the loan is transferred to the card. Cash it out without a commission does not work. Practice shows that a loan of 15.0 thousand rubles. often turns into 200.0-300.0 thousand rubles. debt. You should think carefully before taking such a loan.
Brokers
Intermediaries - brokers appeared on the financial services market. In these offices, as a rule, former employees of the banking sector. Their advertisement that they will help to take a loan to officially non-working clients is justified. But here it is necessary to consider several important points:
- Have to pay for the service from the same credit money;
- If the terms of the agreement are not fulfilled, the brokerage office will not refund the payment made. In it (agreement), in principle, the condition for the mandatory conclusion of a loan agreement cannot be spelled out. 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 yourself;
- While there is no bank issuing consumer credit without collateral or guarantors to customers without financial sources of livelihood (work or any income from other activities).
Keep in mind - turning to a similar office, you can run into scammers.
Attention: if the borrower has the opportunity to take a loan secured by real estate or provide a surety, then the first two options should be discarded.
Private lenders
The situation with individuals lending is mixed. On the one hand, there is no paperwork, a sufficient debt receipt, and the amount and interest can be agreed in a personal conversation. Often conditions are more loyal than at a bank.
On the other hand, it is not always possible to find such a source of financing in the area of \u200b\u200bresidence, and it is also highly likely to fall into the clutches of scammers.
Banks
The best solution to financial difficulties is a bank loan. Here is the lowest percentage per annum among all possible sources of replenishment of the family budget. Before we consider which banks give loans to non-working people, we note some important points.
1. It is unlikely that it will be possible to get a consumer cash loan at a bank in this 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 upon provision of a guarantor.
2. Trying to get a credit card does not give a full guarantee of obtaining a loan. Opponents may object: most credit cards are issued online and do not require certificates from the last place of work. No problem.
Such a judgment is not entirely correct. Indeed, the application does not indicate the place of work, but the 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 receive this information from the database of the pension fund, where monthly contributions are visible. No contributions - no work.
Where it is worth trying to apply for a loan to a non-working person.
Based on this information, the credit department of the bank will decide on a loan. If the client has been working for a long time, then they will issue him, but on more stringent conditions: an increased interest rate and an amount less than requested.
Note: credit card fees are charged. Having repaid the loan debt, 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. The pension fund simply will not have a dash on the payment of contributions. Consequently, the applicant is working.
4. To secure a loan, the bank will always give a loan under general conditions - there is no risk of debt default. The security may be real estate or a car. Making such a loan, you must be sure of its return. Otherwise, you can lose the collateral, and not at market prices, but at assessed value.
5 B anki always issue a loan when providing a guarantor. It makes no difference to them who will pay it off.
Bank loan offers for the unemployed
Which banks give loans to the unemployed? In the financial services sector, several programs have been developed to finance the unemployed.
Sberbank A consumer loan to an unemployed without additional sources of income will be denied. There is a high probability of obtaining a credit card at Sberbank. Mandatory conditions:
- good credit history;
- ownership of movable or immovable property not mortgaged to other organizations.
For reference: the property demonstrates the financial capabilities of the client. The deposit is not issued.
Such loans have higher interest rates, for each borrower they are calculated individually. The limit is up to 15,000 rubles. All other customer requirements and terms of provision are standard (see).
Alfa Bank. The situation with a consumer loan is similar to Sberbank. When applying for a credit card, there are differences:
- mandatory visit to the office;
- filling out a special questionnaire.
The final decision of the bank on the loan application may be affected by:
- credit history;
- family composition (number of dependents);
- the accuracy of filling out the questionnaire;
- the presence of a house or apartment;
- appearance of the applicant.
The limit, interest rate and loan term 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 treatment you can take. The standard rate is 23.9%. The term is up to 5 years. Age - over 18 years. In the absence of a constant income, the interest rate will be higher, the terms of the loan - in short, the limit - less. From the documents you must provide:
- passport;
- driver's license;
- TIN or SNILS.
Loans to unemployed with additional income
Among the unemployed there is a large stratum of people who exist in comfortable conditions - they have other sources of subsistence. Among them:
- people of free professions - artists, writers, composers, etc .;
- representatives of folk art;
- rentier - live on interest from stocks, bank deposits, etc .;
- illegal immigrants - working without execution of employment contracts (freelancers (remote work on the Internet), co-workers);
- migrant workers - persons who periodically travel outside Russia to earn money.
How to get a loan to the unemployed in such conditions? Here, the conditions for applying for a loan vary significantly, but only at banks. Having considered the application and documents confirming the size and sources of income, the bank approves not only credit card issuance, but also consumer credit, including cash. The amount of the loan may be substantial. Among lenders:
- Sberbank
- Post Bank;
- Tinkoff Bank;
- Bank Renaissance Credit;
- Russian standard.
In each of them, a potential client will be offered several credit lines, the terms of the loan will be individual.
Credit for a business plan
Can I get a loan to start my own business? At present, in Russia, all banks are willing to give out loans to existing IPs or legal entities. The existing program for assisting start-up businessmen at Sberbank has been curtailed.
A well-designed business plan leaves little chance of getting start-up capital. You must be persistent in achieving your goal.
Leasing provides an initial payment in the amount of 20-30%. Consequently, the amount initially requested from the creditor will also be 20-30%, and this is completely different risks. The probability of obtaining such a loan is very high.
Having lost work, you should be wary of 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, most officially unemployed citizens are, as a rule, self-employed people with good incomes, which they cannot confirm in any way. For banks, this fact is often a reason for refusing to provide a consumer loan. Large financial organizations are ready to approve a loan to the unemployed subject to the provision of a pledge or the presence of a reliable guarantor.
Where to get a loan without official employment?
Retirees can count on obtaining a loan without inquiries and guarantors. To apply, they will need a pension certificate, passport and a certificate from the FIU confirming receipt of a pension. Lending programs for pensioners are offered by many banks. The interest rate on such loans in 2019 varies between 10-15%.
Improving the chances of approving a loan for the unemployed without proof of income will help with a pledge or guarantor. In such cases, banks are more likely to issue funds. An additional plus will be a good credit history in the same bank.
Collateral is an opportunity to obtain loan funds for a student without work experience, as well as for people with a bad credit history.
Which banks offer loans to non-working?
You can get a loan without official work in the amount of up to 5,000,000 rubles per year from the following banks:
Title | Documents | |||
Renaissance Credit | russian passport + application | from 55 to 70 years |
||
Uralsib Bank | passport + 1 document | certificate from the FIU, without guarantee | from 40 to 70 years |
|
Post Bank | passport + 1 document | without income statement and surety | from 18 to 75 years old |
|
Promtransbank | passport of the Russian Federation + 1 document | without income statement and surety | from 18 to 70 years old |
|
Russian Standard Bank | russian passport + application | without income statement and surety | from 23 to 70 years |
In most cases, a loan is required to approve the loan. Without collateral and providing income statements, banks offer loans with a sufficiently high interest rate - up to 28% per annum.
How to get a loan to the unemployed?
On our website you can see which bank issues a loan to the unemployed with a passport on the day of treatment. 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 presented options, choose the most suitable by clicking on the "Submit Application" 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 the issue of 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 of issuing and repaying a loan
In the case of a positive decision, the client can receive funds in a bank account, card or in cash. You can make payments through ATMs and payment terminals, in the department through the cashier and by wire transfer. In large banks, the client is offered a large selection of convenient options for paying off debt.
Where else can I get a loan to the unemployed with my passport without inquiries?
You can get a loan on a card to unemployed in various MFIs. You can choose a suitable offer on our website, in the "Loans" section. MFIs are less demanding on borrowers than banks, so even borrowers with arrears and bad credit history can urgently get a loan.
There are no hopeless situations in the world. There will certainly 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 has recently been happening more and more often. And forced to work for themselves, or interrupted by random part-time jobs.
But you need 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 the inexorable ability to quickly end. Friends and acquaintances are in the same financial situation, barely making ends meet. Plus, behind the 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 your problem - contact the consultant:
APPLICATIONS AND CALLS ARE ACCEPTED 24 HOURS AND WITHOUT DAYS OFF.
It is fast and IS FREE!
What to do, where to get guaranteed support? Banks do not give loans to the unemployed due to the lack of official work of the applicant, and there are no relevant documents on this.
Bank credit is the way out of this situation. Relatively recently, a new type of lending has appeared in banks - loans on trust, without references and guarantors. These are “loans to the unemployed without references and guarantors,” although credit organizations are not very willing to accept them.
Frankly, they are not very profitable for them, and therefore they increase interest rates on loans to unemployed people (usually more than 30 percent), transferring risks to the applicant. But be that as it may, permission “from above” to issue such loans was given officially, and interest is a matter of the distant future in the current situation of the newly-made unemployed.
Where to get a loan
To receive bank “loans to the unemployed without references and guarantors” is a chance for the poor to continue to exist. There are at least three ways to take such a loan.
Bank
The options for obtaining a loan are as follows:
Note: the second option will have to spend more time due to more other documents.
In order to save time and effort and to obtain a positive decision of the bank to issue a loan to the unemployed, they often turn to brokers for help from intermediaries
Private person
Today in 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 opportunity to discuss personal loan conditions with a living specific person, which increases the likelihood of success in obtaining money and facilitates repayment of a loan.
But there is one “but” - an investor who is ready to provide a loan without guarantee of return can be found, but difficult. Typically, individuals provide a loan secured by liquid assets (personal car, etc.).
MFI
In addition to the bank, you can now find many other organizations that can give a loan to an individual. These are microfinance organizations (MFIs). All of them are extremely easy to arrange a loan. You can get a loan for the unemployed without certificates at 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 issue loans in relatively small amounts. It is useless to count on a large sum in a non-bank organization.
- Loan repayment periods are minimal (rarely up to a year).
- The positive answer and the speed of processing are offset by almost Draconian interest rates, because of which the overpayment of the loan can far exceed the original loan amount.
- Interest is calculated not on a monthly basis like in a bank, but on a weekly basis (which means that their repayment is becoming more frequent).
Microloan
Let us dwell on the latter type of lending in more detail, since obtaining a loan for the unemployed without certificates at 100 percent approval is the fastest way to solve the problem of lack of money yourself, bypassing numerous bureaucratic banking obstacles.
These conditions are typical for any microfinance company:
Credit limit | Theoretically, according to the law, no more than 100,000 rubles can be received, but in practice more than 3-15 thousand rubles are most often issued. |
Loan term framework | Many MFIs indicate return periods from a few days to a month. It is possible to find a period of up to 3-6 months, and extremely rarely - up to a year. |
Percent value | 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 and collateral | Loans to unemployed without references and guarantors can be obtained without a search for guarantors and property pledges. |
There is no need for income statements | Personal income is confirmed verbally. Microloans are allowed in the presence of other sources of income (pension, profit from the activities of individual entrepreneurs, etc.). |
Microfinance organizations meet all adult citizens of our country and issue loans almost without refusal. From the documents it is enough to present only a passport. A bad credit history does not affect a MFI's positive decision.
There is, although not much, the probability of a denial of credit:
- delays in loans already taken;
- outstanding microcredit in this company;
- providing someone else's or fake references.
Judging by the register, there are several thousand MFIs registered in our country, but only hundreds are practically active. An example of MFIs that are beneficial for an unemployed borrower with relatively low interest rates per day and sufficiently long repayment periods for a microloan is Home Money (up to 455 days) and Viva (up to 365 days).
You can make a microloan agreement for the unemployed in person at the MFI’s office, through a company’s agent at home or online.
It is possible to obtain a loan for unemployed without references under 100 percent approval using any of three options:
- cash (office, company agent at home, postal transfer system);
- money in electronic form (if there is Internet);
- by transfer to any bank account or plastic card, especially quickly via the Internet.
They are similar to the methods of obtaining a loan and are also convenient for the borrower.
Loan for a car for the unemployed without information
Such a loan is not from the realm of fantasy, but the reality of our life, and it’s widely popular. Today it is possible not only for wealthy people from the point of view of the bank, but also for officially unemployed people who had never even dreamed of acquiring a used or even a new car.
A car loan without a statement of income or a work book is taken today at a car dealership, as well as at almost any bank or other lending institution, although financial institutions may require these documents.
There are two options for obtaining a loan without information:
Strict conditions for car loans for the unemployed:
In addition, the borrower must additionally take into account the cash costs of commissions for receiving money, opening an account, etc. He must be ready, in addition to a passport and a driver’s license, to present documents confirming third-party income (if any).
In order to avoid unnecessary overpayments, it is better to provide the bank with a mortgage of its property and thereby slightly reduce interest, while proof of income is no longer required
Car loan without reference is a rather lengthy process. It can be accelerated several times by turning the decision from days to hours, if the bank has an express loan program, such as, for example, “Quick loan”, and the applicant has an electronic card of 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.
Loans 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 on the ad to get a loan on the specified conditions. Brokers themselves will collect a package of documents and arrange a loan at the most favorable interest rate!
- Warning! We work WITHOUT REFERENCE! WITHOUT ADVANCE PAYMENT! AND THE MAIN OFFICIAL AND RELIABLE!
- We do not work with Open Delays! Allowed up to 1 week! (Hurry)
- We do not work with citizens of the Crimea and the Caucasus
- Loan term from 6 months to 5 years. Depending on the selected program!
- Interest rate from 11 to 25% per annum based on your credit history!
- Requirements for the Borrower: Passport and any second document
- Age from 18 to 69 years inclusive
- Amounts from 15,000 to 1,000,000 per hand by Express for 1 hour
- We are 5 minutes from the metro! Call from 10 00 to 21 00
- Remotely work with the regions! Write to WhatsApp. Website: www.mskkredit24.com
Name: Michael
Post office: [email protected]
LLC “Lestercom”
For citizens of the Russian Federation except (Crimea and the Caucasus). WE WORK STRICTLY WITHOUT PREPAYMENT, REFERENCES AND PRODUCT LOAN!Mandatory requirements:
- Age from 18 to 69 years old, passport of a citizen of the Russian Federation
- Lack of Open Overdue Loan Payments *
- Presence in MOSCOW. Our advantages:
- Loan term for 1 hour
- Amount up to 1 million rubles, loan term up to 60 months!
We can voice the preliminary SOLUTION BY PHONE * We guarantee reliability and quality of service! We accompany clients to the end of the transaction. We are in Moscow! Call urgently if you really need help!
Name: Elena
Post office: [email protected]
IP Maksutov B.R.
Our organization provides assistance in obtaining a loan for citizens of the Russian Federation for more than 10 years
We work in Moscow. PAYMENT FOR WORK DO NOT TAKE!
- We will help you get a loan in a short time (up to 5.000.000 rub.)
- 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 income confirmation
- We have Bank Relations at a high level, which will allow us to Realistically provide Approval
- From you it is necessary: \u200b\u200bPassport + second Document, age 18-70 years
- ATTENTION! DO NOT HELP WITH BAD CREDIT HISTORY!
Name: Gennady Borisovich
Post office: [email protected]
LLC "CREDIT CONSULTING"
We will help you get a bank loan on favorable terms for you.
Full consultation on the collection and execution of the necessary package of documents.
We accompany at all stages of the transaction. Work WITHOUT prepayments.
The offer is valid for citizens of the Russian Federation who do not have overdue loans and borrowings.
Before 5.000.000 rub. from 10.9% per annum for up to 7 years.
We know where they will approve the desired amount and always contribute to a positive decision.
Name: Andrey
Post office: [email protected]
SKP LLC
Guaranteed Approval through personal Bank Relations. We are in Moscow
WE WORK WITHOUT PAYMENT. 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 burden, working without 2NDFL
- OFFICIAL REGISTRATION THROUGH THE BANK. EVERYTHING IS LEGAL AND LEGAL!
- Minimum Commission upon completion of work
- The rate of 9-15% per annum, for up to 10 years, Without insurance
- Without running around the Banks, buying certificates and other unpleasant “Surprises”
- Our brokers have been providing financial assistance for over 10 years.
- ATTENTION! BAD CREDIT HISTORY DOES NOT WORK
Name: Maxim
LLC "PREMIUM FINANCE"
We work with all regions of the Russian Federation. RECEIPT IS POSSIBLE IN MOSCOW, ST. PETERSBURG AND 25 CITIES OF THE RUSSIAN FEDERATION. WITHOUT PAYMENT.
- without proof of income
- loan amount up to 3,000,000 rubles
- we represent the guarantor
- commission after receiving a loan
- terms of registration 1-2 days
- assistance in refinancing a loan
- fair transparent conditions
- age from 18 to 70 years, we work with a criminal record
Daily from 8.00 to 21.00 (Moscow time).
Name: Alexander
Post office: [email protected]
LLC SPETSINVEST
Credit on the day of treatment.
- 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.
- The loan repayment period is from 3 months to 7 years.
- Early repayment of the loan is possible.
- 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 and we will 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
LLC "MERIDIAN"
Requirement Russian passport and any + any second document
- No Open Overdue Loan Payments
- Age from 18 to 70 years inclusive
- Mandatory presence in Moscow, we do not work remotely
- Registration address any region except (Crimea and the Caucasus)
- Amount from 15 000 - 1 million rubles, depending on the CI and your load
- We are 5 minutes from the metro throughout Moscow
- Transaction time 30 - 40 minutes
- We work without days off from 10 00 to 21 00
- 100% Guaranteed loan if all conditions are met
Name: Vitaliy
Post office: [email protected]
IP Stankov S.S.
Loan approvals in Moscow for 1 hour without certificates and prepayments for all citizens of the Russian Federation.
- We guarantee RELIABILITY, FAST, QUALITY - we will select the lowest percentage and the best loan product. WITHOUT REFERENCES AND PREPAYMENTS.
- low commission upon receipt. low credit rates from 11.3% per annum.
- REFERENCING DEBT IN MFIs. WE WORK WITH OPEN DELAYS UP TO 15 days.
- ALL OPERATIONS THROUGH BANKS PARTNERS.
- from 10,000 to 1,500,000 rubles the day of treatment.
- from 18-80 years old. The term is up to 5 years.
Mandatory presence in Moscow. We work with all the regions of Russia. Call necessarily HELP. Daily From 9-22 a.m. Website: http://creditmsk24.ru
Name: Alexander
Post office: [email protected]
LLC FOR-INVEST
We invite brokers and intermediaries to cooperate (Moscow and all regions)
-We accept any volume of clients. Getting to Moscow / Peter
-Sum up to 1 000 000 r (more depending on the client)
- Come already to receive (no running around the banks)
-Approval By phone (100%)
-Quickly. Fair. Reliable. Unemployed and retired.
-WITHOUT PAYMENT! NOT COMMODITY LOAN. In cash only
- WhatsApp, Viber, Telegram (Online)
* Requirements for the borrower STRICTLY WITHOUT OPEN DELAYS!
* help everyone except the Caucasus and Crimea.
Call us - we will be glad to cooperate
Name: Sergey
Post office: [email protected]
IP Sinitsyna O.A.
The main thing is that you do not make prepayments, you do not buy certificates and as a result you receive money according to your passport!
Making a loan is quick and convenient, the package of documents is minimal.
From you a PASSPORT and SNILS and the LACK of OPEN DELAYED LOAN PAYMENTS.
Age from 18 to 70 years. Residence in the Russian Federation.
We work with unemployed and unofficially employed people.
Loan amounts from 10,000 to 1,000,000 rubles for up to 5 years.
Receiving on the day of treatment, the registration process 30 - 40 minutes.
Payment of the commission after you receive a loan.
Registration and issuance from 10 00 to 20 00. We work seven days a week.
Urgently need money - Call, write!
Name: Roman
Post office: [email protected]
LLC "SPECTRUM 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 upon receipt of money by you! Strictly WITHOUT ADVANCE PAYMENTS, to call and write only to adequate people, in their right mind !!! With "Alcoholics" and "Addicts" we have no business! Remote application submission, you come only to receive, to a specific employee in a specific department! CONSIDERATION FROM SEVERAL HOURS TO DAY (depends on the amount)! WE WORK WITH ALL REGIONS WHERE WE HAVE OFFICES OF OUR BANK! Terms 10.6-12.9% per annum, loan term up to 10 years. We do not do newsletters! We work with a specific bank in which we have good opportunities at the level of the Security Council and the Management Board of the Ban
Name: Semen Olegovich
SIBTEK INVEST LLC
Loan without fail to citizens of the Russian Federation, 21-65 years old. Design in Moscow.
NO ADVANCE PAYMENT! PAY AND BUY WHAT IT IS NOT NEEDED!
We work honestly - the commission only after obtaining a loan.
We will help working and UNEMPLOYED, pensioners and students!
We will issue with a net ki, with a credit load, with bank failures, etc.
WITH OPEN DELAYS WE CAN'T HELP!
You can find out the solution by phone, come already to receive!
AND ALSO FOR THE FIRST TIME! Up to 240,000 rubles can be obtained remotely on a card!
Call daily from 08.00 to 23.00 We will be happy to help everyone!
Name: Ivan
Post office: [email protected]
LLC "WATERLUX"
- HELP IN GETTING A LOAN IN MOSCOW!
- WITHOUT ADVANCE PAYMENTS! WITHOUT HELP AND GUARANTEES!
- Requirement Passport and second document upon request
- Age from 18 to 70 inclusive
- We do not work with Open Delays
- INTEREST RATE FROM 11 TO 29% (REAL INTEREST RATE)
- LOAN AMOUNT (loans) from 20,000 to 1,500,000
- We work from 8:00 to 20:00 Moscow time
- Write and Call will work with you!
- WE CAN TRUST! CONFIDENTIAL AND SAFE!
Name Vera
Post office: [email protected]
IP Dzhioev A.T.
Our advantages:
- Deadline for 1 hour
- A preliminary DECISION can be voiced BY PHONE
- Amount - up to 1 million rubles.
- Without certificates and other documents, ONLY a PASSPORT is needed
- Loan term up to 5 years
- Individual approach
- We are in Moscow, several offices: Tushinskaya, Kuntsevskaya, Barrikadnaya, Myakinino!
* Prerequisite: the absence of active delinquencies, registration - all regions except the Caucasus and Crimea. Contact us, we will be happy to help! NOT COMMODITY LOAN. WITHOUT PAYMENT.
WE INVITE TO COOPERATION of intermediaries and brokers from the regions, we will be glad to cooperate.
Name: Sergey
Post office: [email protected]
LLC "F.P.M."
Amounts from 100 thousand rubles to 17 million rubles. Money is issued in CASH, IN OFFICE. It is possible to receive the necessary amount to a card or bank account, if all the conditions are met and all the necessary documents are provided. I give out a loan at 12% per annum, for any term 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
Post office: [email protected]
LLC "PREMIUM FINANCE"
We work without prepayment !!!
Any registration of the Russian Federation
Commission after receipt
Inquiries from work are not required!
Age 18 to 65
The loan is issued through official registration in the bank
We will help even unemployed
You need a passport and any other document
Many offices in Moscow near the metro
We cooperate with the regions !!!
Name: Artyom
Post office: [email protected]
LLC "DEYO"
- Receiving money on the Circulation Day (up to 5.000.000 rub.)
- Payment of all our services only after receiving Money in hand
- Helping the Unemployed and Working Unofficially
- We work with Zero credit history
- No additional fees and charges. The minimum commission!
What is required of you:
- Citizenship of the Russian Federation, LOCATION IN MOSCOW, age from 18 to 70 years
- DO NOT WORK WITH BAD CREDIT HISTORY!
- We have been working with banks for a long time and honestly. All our customers receive loans!
- If we take it, then we do it! Detailed Phone Consultation
- We accept calls from 9 to 23. We work without days off
Name: Victor Sergeevich
LLC "CREDIT EXPERT"
Credit in Moscow. Registration - any, except for the Caucasus and Crimea. 100% guaranteed receipt.
Up to 1,000,000 rubles in 30 minutes on a passport, including 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 of employment, service).
Unemployed and Working. SP and General Directors. To state employees and pensioners.
To individual entrepreneurs (IP) and LLC up to 7,000,000 rubles in the shortest possible time.
Special offers for employees of state institutions and large companies.
We don’t take an advance payment for anything! Mandatory stay in Moscow or M.O.
ATTENTION: WE WORK STRICTLY WITHOUT OPEN DELAYS (closed we allow up to 30 days).
Name: Oleg Vladimirovich
Post office: [email protected]
LLC "Marketing Hall"
We make approval in the most difficult situations.
Namely:
* many failures
* negative consequence of mailing to banks
* lack of formal employment.
We work without prepayment, hidden commissions, guarantors and collateral.
Prompt consideration of your application.
Requirements: RF passport, second document.
The offer is limited.
You can get more detailed information by asking questions by phone or mail.
Name: Alexander
Post office: [email protected]
IP Gonchar G.A.
I will provide professional assistance in approving and obtaining a loan.
I work only through my employees at the bank.
Without prepayment and mailing to all banks. Interest rate of 14.8% per annum.
My commission after receipt when leaving the bank.
The decision and obtaining a loan occurs on the day after application.
I work with clients:
* from 18 to 65 years old
* from any region of Russia (including the Caucasus and Crimea).
* getting strictly in Moscow
Name: Michael
Post office: [email protected]
Shilka LLC
Quick loan loan from 10,000 to 900,000 TR in Moscow in 30 minutes without REFERENCES 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 past due (delays of up to a month are allowed)
- 100% guarantee, provided that there are no open delinquencies
Call us and you will receive high-quality advice and real help, not empty words
Also at your service is a pledge, refinancing, mortgage.
We work every day from 9:00 to 21:00
Name: Alex
Post office: [email protected]
LLC FALERON
WITHOUT DEPOSIT AND ADVANCE PAYMENT! COMMISSION ONLY AFTER RECEIVING MONEY!
-Offer is valid only until the New Year (as long as there are certain "windows" where to put you!
- We will carry out clients with zero credit history or with a heavy load
- And also working informally, without proof of income (we will do everything ourselves)
- Minimum commission upon completion of work
- The rate of 9.8 - 13% per annum, for a period of up to 10 years, possibly without insurance!
- A loan to citizens of the Russian Federation (all regions with a Passport +2 of any document, from 18 to 70 years)
- We work only with adequate people! (Addicts, Alcoholics and other rabble are not interesting to us)
Call me! Our professionals are sure to help you!
Name: Semen Olegovich
Post office: [email protected]
SIBTEK INVEST LLC
Amounts from 10,000 ₽ to 3,000,000 ₽. Maturities up to 7 years (84 months) with early repayment
Insurance can be removed as well as left
No work documents - no advance payments
Remote registration is possible if you are not in Moscow!
Passport and SNILS (insurance certificate) required
Rates from 14.5% per annum - depending on the Bank
We cooperate with all banks in Moscow
We advise everyone without exception - FOR FREE!
Our contacts: What’s app. Viber Telegram The number is listed below.
If there is no way 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
Post office: [email protected]
IP Bogdanova V.F.
You:
-Lack of a permanent job? Arrears on loans?
-Good credit history, but big load? Do banks simply refuse?
We will help to solve any problem! 100% help in obtaining a loan in Moscow! Amounts up to 500 thousand in an hour! Up to 2 million within 1 business day. Individual approach to each client! For registration you need only a passport of the Russian Federation and a second document of your choice! Interest rates from 9% per annum. We do not require guarantors and do not accept prepayment! No deposit required! The age of the borrower is from 19 to 75 years. Accommodation Moscow and Moscow region. Opening hours: 8:00 - 21:00 seven days a week!
Name: Andrey
Post office: [email protected]