A place |
Name |
Feature Rating |
| 1 | "We are crazy!" (Sovcombank) | Suitable for customers up to 85 years old |
| 2 | “More documents - lower rates” (Renaissance Bank) | Ability to manage credit |
| 3 | "Cash loan" (OTP Bank) | Fast clearance and solution |
| 4 | “Personal” (Raiffeisenbank) | Financial Protection Program |
| 5 | "Cash loan" (Alfa-Bank) | The ability to borrow money at 0% for up to 100 days |
Statistics show that most borrowers are ready to take out a loan if two conditions are met: there is a high level of trust in the bank and the terms and conditions are beneficial.
Under the most favorable conditions for obtaining a loan means a low interest rate, no hidden fees and payments, intermediaries and guarantors. It is known that customers are more willing to issue loans with overpayments up to 15% per annum. Payment terms borrowers prefer different, but everyone pays attention to such a point as the possibility of early repayment for the purpose of less overpayment.
Every year, and sometimes more often, offers on consumer loans from banks change, so it is important to keep track of up-to-date information. We have created a list of five banks and offers that have the most favorable loan rates for 2018. Also taken into account is taken the level of customer confidence in the bank, so the MFIs and many banks with dubious reputations that allow you to arrange loans on more favorable terms, offering a package with hidden fees, are not included in the list.
Top 5 banks with the lowest percentage of consumer loans
5 "Cash loan" (Alfa-Bank)
The ability to borrow money at 0% for up to 100 days
Interest rate: from 11.99%
Rating (2019): 4.7
Alfa-Bank offers the best conditions for short-term loans, as well as the opportunity to receive up to 4 million rubles in total at 11.99%. But this rate only works when taking cash from 700,001 p. The maximum rate is 22.49 percent. Its exact amount and amount of the loan is determined individually by bank employees based on the documents provided, total income and credit history.
A preliminary decision on a loan can be found in just a few minutes, simply by filling out an application on the bank's website, for this you only need a passport. Within 48 hours, the client receives a notification of the decision in SMS, after which you can go to the nearest branch with a full package of documents, where you will receive a registration, calculate the percentage and the amount of monthly payments.
You can repay the loan ahead of time through online banking or self-service ATMs. Notification occurs through the nearest branch or by phone.
4 “Personal” (Raiffeisenbank)
Financial Protection Program
Interest rate: 11.99% (9.99% from the second year)
Rating (2019): 4.8
Raiffeisenbank makes it possible to issue a loan for a period of 1-5 years with a possible delay of the first payment up to 2 months. The decrease in the interest rate from the second year, registration without collateral and guarantors, as well as a well-thought-out financial insurance program distinguish Raiffeisenbank consumer credit from loans from other financial institutions.
A quick surprise will be a quick consideration of the loan application and a large amount provided by the bank. For standard conditions, you can receive up to 2 million rubles, Premium customers are issued up to 5 million.
For registration you need a standard set of documents: a passport, certificate of income, proof of employment. Up to 500 thousand can be taken only with the first two documents, for a larger amount you may need a copy of the employment record.
3 "Cash loan" (OTP Bank)
Fast clearance and solution
Interest rate: from 11.5%
Rating (2019): 4.0
It should be noted that OTP Bank offers other consumer loans with similar conditions for bank customers and pensioners.
A consumer cash loan from OTP Bank is an opportunity to receive money on individual conditions in just 10-15 minutes with low interest. Registration and filling out the questionnaire takes 2-3 minutes. After that, a bank employee will assess the level of risk and decide on the amount and rate, informing you about this.
The maximum amount of receipt is 1 million rubles, but is issued only to clients with a positive credit rating and high incomes. Otherwise, reduced to 250 thousand rubles. The minimum rate is 11.5%, but can be increased, depending on the risks, up to 20.5%.
A loan from OTP Bank is issued for a period of up to 5 years. Documents required for registration: passport of a citizen of the Russian Federation, SNILS, certificate of state registration of individual entrepreneurs (for individual entrepreneurs), information of the organization’s TIN, document on tax registration (if any).
2 “More documents - lower rates” (Renaissance Bank)
Ability to manage credit
Interest rate: from 11.3%
Rating (2019): 4.1
Advantageous offer for those who already have a positive credit history in any bank in the country and did not allow delays at repayment. The amount that can be received - 30 000 - 700 000 rubles, the rate from 11.3% to 23.3%. Both the percentage and amount depend mainly on the number of documents provided, but you can get a loan with only a passport of a citizen of the Russian Federation.
Additional documents: certificate of income and solvency, a document on employment (a regular copy of the employment record book is suitable), additional documents proving the identity.
The bank provides a credit management function - the “Convenient” service package. After its connection, the client can change the amount and date of the monthly payment and even transfer it to the next month without losing his credit rating.
It should be noted that OTP Bank offers other consumer loans with similar conditions for bank customers and pensioners.
Please note that most organizations are more willing to issue loans to their customers who have payroll or other cards. Also, your credit history, the amount of previously closed loans, information about arrears are always taken into account. Age also plays a role. Till 21 years it is almost impossible to get a loan. It is also difficult to make it to people after 65 years. And, of course, the size of the loan is significantly influenced by formal employment and earnings.
The list of lucrative offers can be continued, but the banks listed above provide the opportunity to get the best consumer loan at a low interest rate, do not have hidden fees, work transparently and openly.
1 "We are crazy!" (Sovcombank)
Suitable for customers up to 85 years old
Interest rate: 8.9%
Rating (2019): 4.9
The tariff from Sovcombank “We are crazy!” Is the most advantageous offer for those who are looking for a loan for a small amount, without wishing to overpay a lot. Conditions for obtaining the usual: citizenship of the Russian Federation, the age of 20 years, official employment, experience of 4 months at the last place of work. In addition to the low annual rate, the bank has another great advantage: persons under the age of 85 years can apply for a loan at the time of the end of payments.
Obtaining a loan is possible if you have a passport of a citizen of the Russian Federation, a certificate 2-NDFL and the second document confirming the person (the choice of the borrower). Clients belonging to the group of pensioners or working pensioners should only have two documents with them: a passport and a pension certificate.
