Consumer loans are the most optimal solution in situations where money is urgently needed. Very often, banks issue cash loans to their customers without specifying a purpose. This type of loan is very convenient, because the client himself can choose the amount and term. Consider all banks in Samara, where you can get a loan on favorable terms.
Where to get a loan in Samara
All banks in Samara, where you can get a loan, to describe at a time is quite difficult. In modern times, financial institutions in each city are more and more. This is due to the fact that credit services are constantly growing in demand. You can apply for a loan at the bank’s branch, at the organization’s sales desk or on the Internet.
Cash loans are also offered in microfinance organizations operating in Samara. You can also search for suitable MFIs on the Internet. Most of them issue microloans online and throughout Russia.
In the most extreme cases, for example, when a credit history is damaged, you can turn to private lenders. However, it is worth considering that the interest rate in this case will be several times higher.
Who will approve the loan
Almost all banks in Samara, where you can get a loan, present standard requirements for their potential borrowers. These include:
- The presence of a passport of a citizen of the Russian Federation.
- A potential borrower must be registered in one of the Russian regions.
- Registration should be permanent, not temporary.
- The age of the potential borrower must be at least 18 years.
- The client of the bank must have a regular source of income and work at this place for three months or more.
- Must have a phone, mobile or landline.
Of course, potential borrowers with a good credit history are more likely to approve a loan. But it is, although an important factor, but not decisive.
Documents for obtaining a loan
To obtain a loan to the bank, you must provide a certain package of documents. You cannot get a loan without them. These documents are:
- First of all, this is the original of a valid passport. No financial institution will issue a loan without it.
- SNILS. This document is required to obtain data from the Credit History Bureau.
- Not often, but a TIN certificate may come in handy. It will be required to be submitted to the bank if the borrower is an individual entrepreneur.
- A bank may require its potential borrower to prove its solvency. To do this, it is necessary to provide employees with a certificate confirming income. It can be 2NDFL or filled out by an accountant of the organization in the form of a bank.
In addition to these basic documents, a credit institution may ask for additional ones. For example, a copy of the work book certified by the seal of the employer, a driver’s license, as well as a certificate of ownership of the property or vehicle. An additional document can serve as a passport.
Getting a loan in one day
Progress does not stand still in the field of financial services. So, if earlier banks needed three days or more to consider applying for a loan, today this time has significantly decreased. Checking all the documents submitted and issuing money in most cases does not take a day. Many credit organizations make a decision in 15-30 minutes, and after a couple of hours the client already holds the money in his hands or receives a credit card. Here is an incomplete list of institutions that issue quick loans:
- Sberbank (ready to give a loan in one day to any reliable customer);
- "East Bank";
- UBRIR (provides the required amount in a short time, but only if there is a positive CI);
- "Alfa Bank";
- you can get a loan or a credit card in one day at Tinkoff Bank;
- "Post Bank".
It is worth considering that almost all banks in Samara, where you can get a loan in one day, offer conditions with an inflated annual interest rate. This is due to the fact that for such a short time it is not always possible to fully verify the reliability of the client.
Getting a loan with spoiled CI
Not every bank customer has an ideal credit history. Sometimes in life there are situations when it is not possible to pay on time. Credit history becomes spoiled. But in this case there is an opportunity to get a loan. Here is a list of banks that can issue a loan if the client has a damaged credit history:
- Tinkoff Bank (may issue a loan even if there are open delinquencies);
- Home Credit;
- "East Bank";
- Renaissance Credit (may issue a loan, but only upon presentation of a certificate confirming income);
- "OTP Bank".
However, it is worth considering that all banks in Samara, where you can get a loan with bad credit history, will overstate the annual interest rate.
Credit without information
Credit guarantors have long been a thing of the past. Today, many of the banks also do not request a certificate, which serves as confirmation of the solvency of the client. Such a bank may be a client's salary bank. In addition, an income statement is not requested:
- Tinkoff
- Sovcombank;
- Binbank;
- HomeCredit;
- "Alfa Bank";
- Rosbank.
A complete list of all banks in Samara, where you can get a loan without information, to find on the Internet is not difficult. Also, you can get a small amount of money without extra documents at microfinance organizations. But it is worth considering that the loan term will be no more than one month, and the amount rarely exceeds 20-25 thousand rubles.
The most advantageous offers from banks
In order to withstand the existing competition in the lending market, many banks are trying to attract customers by creating the most favorable conditions. So Sberbank offers to take a loan from 12 percent per annum. By contacting Tinkoff, you can get a loan in cash or on a card at 14.9 percent. The amount that they are ready to give out is up to one million rubles. MAST-Bank in Samara offers its customers a loan at 18 percent and up to 1.5 million rubles.
Favorable conditions for PochtaBank, VTB24, Rosbank.
All banks in Samara, where you can get a profitable loan, are quite difficult to list, since they issue all new offers with the maximum benefit for the client.