Consumer loans are now available to almost everyone. The goal of the borrower is the choice of the optimal program. Banks offer loans with various conditions. Where it is profitable to take a loan for consumer needs will be discussed in the article.
How to choose a bank?
To get the best loan for consumer needs, you need to familiarize yourself with the offers of various banks. When applying, you need to pay attention to the bid. Overpayment depends on its size. The lower the percentage, the more customers are interested in such a program.
But in order to provide a consumer loan with a low interest rate, the bank must be sure of the borrower. This is risky for the lender, so strict requirements are put forward to customers. Usually people have to collect income and seniority certificates. A positive credit history is also needed. The latter factor is important in assessing reliability: the financial relationship with other banks and MFIs is analyzed, and then a decision is made.
Banks that provide loans with a negative credit history sometimes make an exception for regular borrowers whose income avoids the risk of non-payment. Consumer loans with a low interest rate are usually offered to get payroll card users. Only a passport is required.
Other customers need to leave a request on the site. The decision is made faster than in the office, and the necessary documents can be provided after the application. When choosing a bank, one should pay attention to the presence of branches in the region of the loan. Thanks to the terminals, loan servicing is facilitated, since it will be possible to withdraw and deposit funds quickly and without commission.
When choosing a bank, you must take into account the terms of the contract. There should be a possibility of early repayment without fines. Such subtleties are indicated in the contract. The document also outlines sanctions for late payments. In order to avoid difficulties with paying a loan, you need to pay attention to all the nuances.
"Alfa Bank"
Where is it more profitable to take a loan for consumer needs? Acceptable conditions are offered at Alfa-Bank, which has a wide terminal network to attract many borrowers. Loans are issued online for about 15 minutes, and after half an hour the solution will be known.
Alfa-Bank operates on the following conditions:
- 50-250 thousand rubles - from 15.99;
- 250-700 thousand - from 14.99;
- over 700 thousand - from 13.99.
A maximum of 2 million rubles is provided. You can take money on the day the contract is drawn up. No commissions or guarantees. You must provide a passport and an additional document. There is the possibility of early repayment of the loan without levying fines.
Bank Vostochny
To answer the question, what is the most profitable consumer loan, you need to know about the offers of several organizations. Vostochny Bank offers loans at a rate of 15%. The application is considered 15 minutes. It is easier to get a loan in the amount of 25-50 thousand rubles, but if you need more, then you need to provide real estate or transport on bail.
Bank Vostochny offers loans of up to 500 thousand rubles at a rate of 18%. Big Money is a product for those who do not want to put off purchases. You only need to provide a passport and income statement. Pensioners can receive loans at the bank. Applications are left through the site, and a decision will be made 24 hours a day. A positive answer gives the right to apply for a loan and receive funds.
OTP Bank
This organization offers loans not only in equipment stores. An application to OTP Bank for a consumer loan is submitted via the Internet. The minimum rate is 14.9%. Amounts up to 750 thousand rubles are provided.
For customers, the OTP Credit mobile application is available, which allows you to track account status, make payments, and control history. With it, you can find out about the nearest terminals and offices. Through them, it is easy and simple to withdraw and send funds without commissions.
The decision is made in 2 minutes. A consumer loan is issued at OTP Bank for 1-5 years. You can receive funds on the day of registration. Filling out a questionnaire takes no more than 10 minutes. This is a consumer loan without guarantors. In the event of its timely repayment, further favorable conditions are offered.
Sovcombank
The company offers special conditions for loans for borrowers from 35 years. The Pension Plus program is issued to pensioners up to 85 years of age. This is a consumer loan without guarantors, certificates and collateral. You can confirm income by pension contributions and salary.
The customer requirements are as follows:
- Russian citizenship
- age 20-85 years;
- experience of 4 months;
- registration in the region of registration.
You can get a loan of up to 100,000 rubles at 12% per annum. If you have a diploma, or if the borrower is married, then the “For Responsible Plus” program is offered. The rate is reduced by 5% for auto payment from a card to pay for a loan.
There is a program “Standard Plus”, according to which 40-299 thousand rubles are issued. The percentage is determined individually, a decrease of 5% is possible. If you need funds “to pay”, then an instant loan “Express plus” is offered. According to it, a loan is executed on a passport for 5-40 thousand rubles.
VTB Bank of Moscow
A consumer loan from Bank of Moscow is issued to civil servants and other borrowers at a rate of 14.9%. The maximum amount is 3 million rubles. There is a voluntary life insurance service.
Customers have the opportunity to choose a payment date, as well as set a credit vacation - a deferment without interest and damage to the history. Loans are granted up to 5 years and in the amount of 100 thousand rubles. You can apply online, a preliminary decision will be made within 15 minutes. A consumer loan from the Bank of Moscow is issued at the office when documents are provided.
"Renaissance Credit"
You can contact this institution if you are interested in where it is profitable to take a loan for consumer needs. Bank Renaissance Credit disburses funds from 15.9%. If you fill out an online application, the decision will arrive after 10 minutes. But you can contact the office.
You can take up to 500 thousand rubles. Loans are provided for 2-5 years. For pensioners and regular customers there are special offers at low rates and a minimum of documents. The remaining borrowers need to prepare proof of income. If funds are urgently needed, it is proposed to obtain a loan of 19.9% for 30-100 thousand rubles.
UBRIR
Where is it profitable to take a loan for consumer needs? A low rate is proposed at UBRD - 13%. The application must indicate the passport data. The decision is made about 15 minutes. The minimum amount is 5 thousand rubles.
If you want to get a loan of up to 1 million rubles, you can use the product “Open” with a rate of 17%. An application is issued on the passport and with proof of income. Pensioners are offered the Pension product, according to which money is issued only according to the passport. The maximum amount is 600 thousand rubles, and the rate is 21%. Investors and customers are issued up to 1 million rubles at 18.5-20.0%. Favorable conditions are offered to salary clients.
SKB Bank
The organization has the following programs: "For everything about everything", "Individual", "For their own." To quickly get a loan, you need to take a program for up to 3 years. Issued up to 299 thousand rubles.
For registration of the contract does not require a statement of income. If you provide it, then the amount increases to 1.3 million rubles, and the period - up to 5 years. Salary card users are offered a rate of 15.9%, a loan period of up to 5 years. Collateral and guarantors are not needed.
Raiffeisen Bank
A reliable bank offers profitable loans. The maximum is 2 million rubles. The limit is valid for VIP customers. The remaining borrowers are provided with 14.9%.
The rate is determined by the availability of a salary card. Cooperation with the bank reduces the percentage. For customers there are advantageous offers up to 1.5 million rubles. The loan is issued without guarantors and collateral. The decision is made from 1 hour. Service is performed via the Internet and SMS banking, which is very convenient.
Citibank
The bank offers loan programs within 1-5 years. Borrowers can draw up 100 thousand to 2 million rubles. To take a loan of up to 600 thousand rubles, you need a passport.
If there are obligations in other banks, information about the credit history will be requested. Large loans are issued with a statement of income and an account statement from the FIU.
Failure may be due to:
- insufficient salary;
- bad credit history;
- lack of guarantors and collateral.
Even if one bank is refused, then you should contact another, because each institution takes into account its own criteria. In addition, the decision is made individually. It is necessary to choose an offer with favorable conditions. It is important to familiarize yourself with the contract before signing it, because often it contains important information regarding overpayments. Only a profitable loan will be able to pay quickly and without hassle.