A consumer loan is money that a borrower takes from a bank on certain conditions to purchase goods or services. Such a loan can be issued only by an individual; companies do not provide such services. If you are planning a purchase, but at the moment there is no full amount or it will be more convenient for you to repay within a few years, then a consumer loan will be an excellent solution.
It is very important to responsibly approach the choice of organization and carefully study all the conditions and pitfalls. Want to find out where the cheapest loan is, in which bank? We present you a list of 10 tariffs for a lower percentage per annum. The rate is calculated on a loan of 100,000 rubles for two years.
List
- 10. Tinkoff, from 12%
- 9. East Bank, 11.5%
- 8. Rosbank, from 10.99%
- 7. PSB, from 10.9%
- 6. Renaissance, from 10.5%
- 5. SKB Bank, from 9.9%
- 4. Alfa Bank, from 9.9%
- 3. Gazprombank, from 9.5%
- 2. Opening, from 8.5%
- 1. Bank Home loan, from 7.9%
10. Tinkoff, from 12%
Tinkoff - This is the only bank in Russia that works completely remotely. This is both a minus and a plus. You will not find offices in your city if the need arises, but at the same time you can always arrange services online and a specially trained courier will come to you. All documents are signed at home or at any other convenient address.
This bank is also known for having the maximum number of approvals. Loans are issued even to the unemployed, without references and guarantors. For registration you only need a passport. The application is filled out on the Internet and a response can be received in a few hours. The minimum rate is 12% per annum, but each case is considered individually.
9. East Bank, 11.5%
This bank gives out large amounts and is famous for its high percentage of approval. The application can be left over the Internet or come to the office. From the documents you will need a passport and a certificate of salary from work. You can take 2-personal income tax or fill out a certificate as required by the organization. You can find out the answer within 15 minutes, and take the money immediately on the day of contact at the nearest office.
Credit limit East Bank - 500 000 rubles. A “bring a friend” campaign is being held at the bank, for each client who has applied for your recommendation 1000 rubles will be credited.
8. Rosbank, from 10.99%
This bank approves more than 80% of all applications. Of the advantages it is worth noting a quick solution that comes within 3 minutes by SMS. The maximum loan amount is up to 1.5 million rubles. Up to 100 thousand rubles, the bank requires only a passport. Certificates confirming income will not be needed.
Applications are considered individually and Rosbank reserves the opportunity to increase the interest rate or reduce the amount issued. The Bank provides for extension or payment ahead of schedule of the entire amount without penalties and sanctions.
7. PSB, from 10.9%
Feature PSB is a decrease in interest rates during lending. If all the conditions and the active use of the card are met, you can reduce the rate to 3%.
Another service that is available to all customers of the bank is a credit vacation (deferred payment for 2 months). The application is very simple and you can fill it out yourself on the official website. The decision comes by SMS or from the employee by phone. The minimum rate is 10.9%.
Promsvyazbank exists since 2001 and has won high ratings among consumers.
6. Renaissance, from 10.5%
A commercial bank offers its services to individuals. It has existed since 2003. This year you can get a consumer loan in Renaissance bank with a minimum rate of 10.5% per annum.
The bank is in the TOP 50 of well-known banks in Russia. To apply for a loan, you will need the following documents: passport, SNILS, income statement (2-personal income tax or according to a special form, which can be taken at the department).
When installing a special application from the bank, you can get a loan without leaving home. To do this, leave a request in the application and write the details of the personal account where the money should go. Transfer of funds from any bank is carried out without commission.
Reduced rates are available to pensioners and frequent customers of the bank, who have established themselves as bona fide payers.
5. SKB Bank, from 9.9%
The lowest rate is calculated for holders of salary cards in the bank SKB - 9.9%. For registration, you only need a passport, even for a large amount. Consideration of the application takes at least 30 minutes. Money is credited to the salary card. Payment occurs by differential payments.
Minimum requirements for borrowers: from 21 years of age, you need to work at least three months in one place, solvency, citizenship of the Russian Federation and permanent registration in the territory of the Russian Federation. The application is considered individually and the borrower's creditworthiness and risks are assessed.
4. Alfa Bank, from 9.9%
This is one of the most popular banks in Russia. Alfa Bank often holds promotions to attract new customers. The most common service is a “100 days without interest” credit card. An application can be made online or immediately contact the nearest office in your city. It is worth noting that there are a lot of offices in each city.
Up to 100 thousand rubles, you can get a consumer loan without additional information and documents. For a larger amount, you must meet the minimum requirements: age over 21 years, work experience in one place for 3 months, salary of at least 10,000 rubles per month.
You can pay by several options: at Alfa Bank ATMs, in the mobile application, at the terminals of partner banks and on the official website. All these methods without commission.
3. Gazprombank, from 9.5%
Bank employees consider each client's applications individually and offer conditions that will be beneficial to both parties. The loan rate varies from 9.5% per annum. The rate depends on the category of client and the availability of insurance. In case of failure, the rate may increase.
Also, a reduced tariff is valid for those who receive a salary on the card Gazprombank, at the time of filing documents, you only need a passport. It is necessary to have a permanent job, tax deductions for the last three months will be checked. It is also worthwhile to understand that the borrower must be solvent, this fact is also carefully studied.
2. Opening, from 8.5%
Unique offer for new bank customers Opening - The minimum rate for the first year is 8.5%. This bank is among the top 10 largest banks in Russia. The organization entered the financial market in 1993 and almost immediately became systemically significant for the whole country.
The credit limit is - 5 million rubles. In addition to a consumer loan, refinancing can be arranged here. Unlike many banks listed above, this organization works not only with private individuals. On preferential terms, you can take a large amount of salary clients.
1. Bank Home loan, from 7.9%
Home Credit Bank offers its customers a loan for any purpose at a low interest rate. You can take the amount from 10 thousand to 1 million rubles. You can issue and receive money without a visit to the office. To do this, fill out the application on the official website and wait for the response of employees within a couple of minutes.
Starting from the second month, you can independently choose the payment date and change it to a more convenient one. You can pay monthly payments without a fee and track the payment through a special application.