Credit for the consumer is sometimes the only way out of a difficult financial situation. Individual borrowers with insufficient personal savings (for construction, tuition, treatment, purchase of durable goods, housing) apply for a loan to the bank. But how to choose the most profitable from a huge number of offers?
When evaluating a potential borrower, the bank focuses on such parameters as its credit history and income, often in order to reduce its own risks it requires third-party guarantees or collateral in the form of a pledge of property. Reliable information about yourself, income, employment, family members, property, documented, is a prerequisite for receiving cash.
But the borrower does not always want to collect a massive package of securities, therefore he prefers institutions that are ready to issue a consumer loan without confirmation of income and surety. In addition, there are plenty of similar offers on the Russian market.
Below is the rating of banks that give cash loans without income statements on the most favorable terms for an individual.
See also - the best cash loans without income statement and with online application on the site
1. PJSC Post Bank
The borrower is offered a loan without proof of income in the amount of 50 thousand to 1 million rubles for a period of 1 year to 5 years. For identification, you only need to provide your passport and SNILS number (compulsory pension insurance certificate). You can apply for cash at the sales desk, in the client center, retail outlet. The waiting time for a preliminary decision is no more than a day. When filling out an application on the Post Bank website, this period is reduced to a few minutes. The initial loan rate starts at 12.9% per annum.
For its part, the bank puts forward the following requirements to the borrower:
- age - from 18 years;
- passport of a citizen of Russia with registration in any subject;
- the presence of a mobile phone;
- SNILS number and TIN of the employer.
2. Home Credit and Finance Bank LLC
A financial institution lends to individuals without proof of income. It is enough to present a passport, SNILS and information about the employer. Bank employees should make sure that the borrower has a steady income and will be able to repay the amount owed in a timely manner. The age criterion is 22-64 years.
To get a loan, you should apply. You can do this online, which will speed up the decision process. The next step is the signing of the Consumer Credit Agreement and the crediting of the amount to the borrower's account. The latter can immediately use the cash received for its intended purpose.
What does Home Credit Bank offer its customers?
- loan processing in the amount of 10,000 to 850,000 rubles;
- application review time - no more than 120 minutes;
- loan term - 12-84 months;
- rate - from 14.9%.
New customers can apply for a loan in the amount of 30 thousand to 500 thousand rubles for a period of 1 to 5 years.
The advantages of working with Home Credit Bank are:
- instant loan processing;
- lack of commission for the issuance of funds;
- the ability to independently choose the date of monthly payment;
- minimum number of documents during execution;
- complete information on the loan online;
- a variety of repayment methods.
3. CB Renaissance Credit
The borrower can be a bank customer aged 20-70 years. For the rest, the lower age limit is 24 years.
Renaissance Credit offers various lending programs. Amounts from 30 thousand to 700 thousand rubles are available for urgent purposes and significant investments. The interest rate starts at 12.9. The maturity is 24-60 months.
To receive a cash loan, you need to fill out an application on the site. In the case of a positive decision - to receive the declared and agreed upon amount of cash on the same day by the bank. Favorable loan conditions make overpayments on it completely invisible to the wallet.
4. PJSC "East Express Bank"
The policy of this institution is designed to help consumers choose the most comfortable loan in terms of such parameters as:
- Amount
- interest rate;
- Duration of payment.
Enough 15 minutes to apply for a loan without a certificate of income and guarantors, upon presentation of a passport. The amount available to receive is up to 200,000 rubles. The minimum interest rate is 14.9.
5. PJSC CB “Ural Bank for Reconstruction and Development”
- Credit "Affordable". Amount from 50 thousand to 600 thousand rubles. The term is up to 84 months. The annual rate is 23%. The amount of up to 300 thousand rubles can be issued upon presentation of only one passport. The loan is transferred to a bank card, cashed at an ATM of PJSC CB UBRIR.
- Pension loan. You can also apply for only a passport. It is issued at 21% per annum in the amount of up to 600 thousand rubles.
- Credit “Minute business”. Amount from 5 thousand to 200 thousand rubles. The term is up to 5 years. The rate is 13%. Registration takes 15 minutes. With early repayment, a commission is not provided.
This is an incomplete list of current offers. PJSC CB UBRIR offers many options, from which each borrower can choose the most convenient and profitable.
6. PJSC Sovcombank
Individuals are offered several types of loans, including:
- "Standard plus." Up to 299999 rubles for any purpose!
- Express Plus. 5000-40000 rubles upon presentation of only a passport.
- "Pension plus." Available to retirees by age and disability, working and non-working citizens.
The most favorable rate - 12% - is offered when applying for a loan of up to 100,000 rubles.
7. PJSC Moscow Credit Bank
Benefits of servicing in the ICD Bank:
- The minimum package of documents during registration.
- Determining the size of the interest rate on an individual basis with the possibility of lowering it.
- No commissions for early repayment of the loan.
- No need for collateral and guarantors.
To apply for a cash loan at the bank, you must fill out an application form and present your passport.
8. PJSC SKB Bank
It offers to obtain a consumer loan without income statement at a profitable interest and convenient repayment periods. Over 180 offices of this financial institution, which enjoys the high confidence of its customers, are located throughout Russia.
9. PJSC "BystroBank"
It offers a wide range of loans for people of any age and social status. Great offer for young families. Lots of budget options. Attractive conditions for senior citizens. To reduce the financial burden on the family budget, extended maturities are provided. The minimum rate is 13.9%.
Consideration of the application will take 30 minutes. Of the documents required to present only a passport.
10. PJSC "Asia-Pacific Bank"
Gives a loan for any purpose at a profitable interest. It is required to present a passport of a citizen of the Russian Federation with the registration address and information about the last place of work. Consideration of a credit issue takes no more than a day. For salary clients, pensioners, state employees, military personnel there are especially favorable conditions.
This article presents a list of banks that issue loans without proof of income and employment. Each of the listed organizations has a high level of reliability and a huge number of profitable offers for its customers.