Often, credit is the only way to solve material difficulties. With it you can make a major purchase, without waiting for the accumulation of the required amount. It is only important to choose the best consumer loan, under which favorable conditions apply. Read more about this in the article.
Where is it better to contact?
First you need to determine which bank is better to take a consumer loan. It’s easy to choose a profitable offer if you familiarize yourself with important lending criteria.
To get the best consumer credit, you should pay attention to the following nuances:
- The deadline is important for those who urgently need money. It often takes a few days to make a decision. But there are suggestions when it takes several hours to get a loan, and you can get it on the day of treatment.
- The necessary documents. The fewer papers needed, the faster clearance takes place.
- Low percentage. If you can get a loan at a small percentage, you can count on a small payment. You will also be able to save by reducing overpayment.
- Now many banks accept applications online or by phone, and you can get a loan at the office. This saves time.
- When choosing a bank, it is advisable to consider the proposals of those organizations through which the salary is transferred. Regular customers are offered various discounts.
To find out which bank is best to take a consumer loan, you should familiarize yourself with a few suggestions. Each financial institution presents its requirements to customers.
Tinkoff Bank
This bank carries out its work completely online. Getting a loan is simple. It is necessary to fill out an application on the site, after which a decision quickly arrives. In about 1 day you can get the required amount.
This is the best consumer loan to date. The client does not need to go anywhere. After approval, the specialist will arrive at a convenient address. It will be necessary to sign an agreement, after which a card with funds will be issued.
"Alfa Bank"
The best consumer credit is offered at Alfa-Bank. For more than 20 years, the institution has been lending funds for various purposes. A deal is made without collateral and guarantors.
The client needs to provide a passport and a document of employment. For example, instead of a copy of the work book, a TCP for a car or passport with travel notes is suitable. You can find out the preliminary decision after filling out the application on the site.
OTP Bank
OTP Bank has the best consumer loan offers, since they are issued there at a low interest rate. Moreover, the purpose of the loan is not important. To apply, you need to visit the nearest office, which are very many in the country. The decision on the provision of funds is made quickly, so after the execution of the contract funds can be withdrawn.
To minimize the rate, you must have a positive credit history and provide a complete list of documents. OTP Bank offers customers an application. After installing it, you can always know where the nearest bank office or ATM is located. The application will remind you about the payment of a loan.
"Housing Finance Bank"
Which consumer loan is better if you need a large amount at a low interest rate? In this case, you need to contact the "Housing Finance Bank". They will manage to get a large loan, up to 8 million rubles, at a small percentage (12.99%) without references and guarantors. It is only necessary to pledge real estate.
If there is housing, then there is a high probability of approval of the application. To apply for a loan, you need to fill out an application online and get a solution. But you can get it only in some big cities, since the offices of this bank are not everywhere.
"East Bank"
The best offers of consumer credit are in the "East Bank". The application is submitted directly from home, the decision is made very quickly. If it is positive, then funds can be issued on the same day. When submitting an application via the Internet, it is possible to receive a discount on the rate.
Documents and money can be delivered to the desired address if the client so desires. Loans are provided without information or guarantors. They are drawn up with a minimal list of documents.
Raiffeisen Bank
Which bank with consumer credit is better if you have a permanent job? Raiffeisen Bank would be a great choice. Only contact should be for those who have a positive credit history. Salary is confirmed not only by income statement, but also with the help of a special form offered by the bank.
If you meet the requirements, you can get a loan of up to 1.5 million rubles at 12.9%. It is issued quickly. It is necessary to leave a request on the site, a solution will be provided within an hour. If there is no time to visit the office, then a specialist can drive up to a convenient address.
"Renaissance Credit"
This bank makes a loan quickly and easily. Clients with prior approval can receive it by passport, without additional documents.
A rate is assigned individually to all borrowers. Reliable customers can count on a low percentage, as well as a high amount. The Renaissance is great for those who urgently need money, because loans are issued on the day of application.
The banks presented in the article allow you to issue loans in cash and by card. In many of them, you can get a mortgage and car loan. There are advantageous offers in other banks, so before applying for a loan it is important to familiarize yourself with several options.
Thus, many banks offer consumer loans. You need to go where low rates and acceptable customer requirements apply. Equally important is a comfortable design. It is necessary to use the services of trusted banks, which are in demand among people.