Lending is one of the ways to quickly solve financial problems. To get a loan: it is enough to be over 18 years old, have a passport of the Russian Federation, registration in one of the regions, a good credit history and a stable income. But not always the borrower can boast of having all the parameters. And for those who previously allowed delinquencies in loans, 5 out of 6 banks are denied loans. In order not to waste time filling out a questionnaire where it is impossible to obtain a loan, you need to know which banks do not refuse credit.
What do I need to get a loan?
It is not difficult to obtain a loan, even if the borrower has previously made delinquencies under the contracts and has outstanding obligations. To do this:
- choose a financial institution that guarantees a loan with a bad credit history;
- provide a complete set of documents required by the lender;
- choose a convenient type of loan (if there are several);
- apply online; it is much faster and more profitable than a loan at the bank office;
- wait for the decision of the bank.
But before applying, you need to compare banks that give loans with bad credit history. Not all companies are willing to provide a good loan to non-payers. In order not to overpay interest on a loan, it is better to spend time searching for a minimum rate and favorable conditions for maintaining a loan agreement.
List of creditors for bad credit payers
Of course, not a single bank will issue loans to all customers without failure. This is unprofitable and entails financial risks. But there are companies whose approval percentage for applications in which does not fall below 89%.
Which banks do not refuse a loan to almost anyone:
- Tinkoff
- "Setelem."
- "OTP Bank".
- "Renaissance".
Some of them, namely, Setelem and OTP Bank, specialize in drawing up loan agreements by installments. Sales points of such lenders are located in large shopping centers. They collaborate with furniture stores and networks of technical goods companies.
Others - Tinkoff and Renaissance - provide a wide range of credit services not related to the purchase of expensive goods. Clients can apply for a regular loan as well as a credit card with a bank limit.
Tinkoff Bank loan: features
One of the leaders in the Russian sector of online loans is Tinkoff. The Bank works exclusively through the Internet, therefore, obtaining a loan, from filing an application to withdrawing cash at the terminal, is carried out on the company's website.
This is one of the banks that give a loan with bad credit history and without it. A loan is issued on a plastic card of a client. The product delivers the courier to the home or work of the borrower.
A quick loan decision, understandable tariffs and an operational support service are the advantages that millions of Tinkoff customers in Russia have already appreciated.
Loan options at Tinkoff Bank
Bank lending conditions are as follows:
- Cash loan without security. Issued in the amount of up to 2 million rubles. The rate is from 12% per year for up to 3 years. An income statement is optional. No guarantee is required.
- A loan secured by a car. You can get up to 3 million rubles. Interest - from 11% per annum. Loan term - up to 5 years. The car remains with the owner for the entire duration of the contract.
- A loan secured by real estate. A loan on which you can get up to 15 million rubles. It is issued for a period of up to 15 years at a rate of 9.9% per annum. The apartment at the time of payment remains with the owner.
- Credit card with grace period. Tinkoff Platinum allows you to use the bank without interest for a period of 55 to 365 days. Interest for violation of the grace period - from 12% per annum. Issued with a limit of up to 300 thousand rubles.
To obtain a loan or credit card, the borrower must fill out a questionnaire on the bank's website. In the first case, he will meet with a specialist who will communicate the decision on the application and issue a debit card with cash if the loan is approved. In the second case, the courier will deliver the credit card to a place and time convenient for the client.
Tinkoff does not require documents to confirm income. You can apply for a loan and an installment card only by passport.
"Setelem" Bank: features of lending from partners
Cetelem is among the partners of Sberbank, which is a sign of creditor reliability. But the percentage of approved applications to Setelem Bank is higher by 32.3%.
Areas of bank lending: cars, furniture, appliances (including mobile phones and a headset for them). Setel’s technology partner is Svyaznoy. In a chain of stores, the borrower can apply for a loan under the following conditions:
- term - up to 1.5 years;
- limit from 2.5 to 450 thousand rubles;
- interest per annum - 16.6%;
- no commission and down payment.
For registration, a passport + a second document is required (for example, SNILS or certificate 2-NDFL).
Getting a loan in cash at Setelem Bank
"Cetelem" is the answer to the question: "Which banks give a loan without failure?" When applying for a loan in Svyaznoy, 93.7% of borrowers received loans within 1 hour after sending the application.
But the bank has certain requirements for payers:
- You can apply for a loan from 21 to 65 years old.
- The client must be a citizen of Russia and live in one of the regions of the country.
- A passport and one of the documents (TIN, passport, driver's license, SNILS) are required.
- To receive a loan, a client must receive a personal offer from Setelem Bank.
Subject to all requirements, within 1 day the borrower can get a loan in the amount of 15 thousand to 1 million rubles with an interest rate of 12.9% per annum. The loan term is from 1 to 5 years.
OTP Bank: obtaining a loan
Online reviews of banks that do not refuse credit do not dispense with the mention of OTP Bank. The company offers to issue loans even to customers without official income and with a bad credit history. Only a passport is required to apply. A cash loan can be obtained on the OTP Bank website.
Cash Loan Terms:
- amount up to 4 million rubles;
- overpayment from 14.9% to 35.7% per annum;
- a loan is issued for up to 7 years;
- the bank decides to issue a loan within 15 minutes.
OTP Bank, like Setelem, offers loans for the purchase of goods. These are the so-called installments for a period of 3 months to 5 years. You can receive goods using the Setelem loan in mobile phone stores (Euroset, Megafon), jewelry stores (Adamas, Gold 585), fur stores (Snow Queen, Alef) and etc.
Options for issuing a loan:
- amount from 2 to 500 thousand rubles;
- no down payment;
- only a passport is needed;
- payment date selection;
- a wide range of channels for repaying a loan.
To obtain a loan, the borrower must be at least 21 years old, but no more than 69 (at the maturity date). Loans are issued only to Russian citizens with permanent registration in the OTP Bank service region. Lack of registration is one of the reasons why denial of a loan in cash at OTP Bank.
Bank "Renaissance": reviews, filing an application
Renaissance is one of the banks that combines an installment loan for the purchase of goods and classic lending. At the bank, customers can get a loan even with a bad credit history. If the borrower is looking for which bank will give the loan, if others refused, he should contact the Renaissance.
Customer reviews about the bank, for the most part, are positive. Borrowers note transparent lending conditions, quick examination of the application. Customers consider the lack of credit in the company to be charged a commission for depositing funds at the bank's cash desks, through a mobile bank and transferring from a bank card.
Lending conditions in the Renaissance:
- The rate is from 10.9% to 24.9% per annum. It depends on the number of documents and whether the borrower receives a salary in a bank account.
- The limit is from 30 to 700 thousand rubles.
- Clients age from 20 to 70 years. If the borrower does not receive a salary in the account of the Renaissance, then he can get a loan only from 24 years old.
- Loans are issued only to citizens of the Russian Federation.
- Minimum income requirements for citizens: from 8 thousand rubles for residents of all regions except Moscow. Clients of Moscow branches must earn at least 12 thousand rubles a month.
- Registration in the region in which there is a branch of Renaissance Bank.
- At least 3 months of experience.
You can apply online. Consideration takes place during the day. If the decision is positive, the client must contact the selected bank branch for a loan.
Why can they refuse to issue a loan?
Upon learning which banks do not refuse credit, borrowers are still afraid to hear that they did not approve the loan. None of the credit organizations will give a 100% guarantee that the loan will be approved, since the decision on each client is made individually.
To increase the chances of issuing, you need to know when the bank refuses the loan:
- Insufficient solvency.
- Very bad credit history.
- Existence of existing delays.
- Arrest on the accounts.
- Refusal to provide documents.
If there are at least 3 reasons, there is practically no chance of getting a loan at the same time. But to find out exactly why the bank refuses the loan, the borrower can from the lender. In addition, the client can request a credit history in order to check their reliability as a payer.