The cash shortage problem has always existed. Not enough money to buy something or a ticket to hot countries? Do you want to borrow from friends and acquaintances or not? It is a pity to give property as collateral, is it scary to borrow from strangers? What to do in such cases?
Alfa-Bank provides an opportunity to instantly receive funds. By this expression we mean that the speed of decision-making is from 30 minutes or 2 hours to 1-2 days. Employees of the Alfa-Bank organization (Moscow) or any other branch issue a cash loan quickly enough, especially if they independently fill out an application and questionnaire on the bank’s website. The latter is optional, but may shorten the waiting time for management decisions. Moreover, you can get an SMS forecast just a few minutes after filling out the questionnaire.
Alfa-Bank: customer reviews of the benefits of this institution
What are the advantages of this bank in comparison with other institutions that also provide such a loan program? To begin, we note once again the high speed of decision-making on your issue. This is an important factor, as there are times when one day can make a big difference.
The loan amount is quite high and can reach 1 million rubles, and for
corporate customers who regularly use the services, up to 2 million. The minimum interest rates are not higher than in other structures, and are kept at the level of 17-18% per annum.
Alfa-Bank: customer reviews on the nuances of a cash loan
It may please a minimal package of documents - only a passport and a code are needed. If there is a certificate of income from the official place of work, the loan amount, as well as the guarantee of a positive decision, will increase. The main bonus when borrowing money is the lack of fees for providing credit money and for using the account. Another pleasant surprise when contacting Alfa-Bank, whose branches are located in all cities of the Russian Federation, is the opportunity to choose the terms of monthly loan repayment. This is very convenient, since you can calculate the date of payment of your monthly salary and correlate it with loan payments. The terms for which Alfa-Bank is ready to provide you with money are also fairly standard: from 6 to 36 months.
This institution has a one-time discount on the condition that you fill out the questionnaire yourself. It is not too high, but it can be a nice addition to cash on hand.
Alfa-Bank: reviews of customers who received a loan
Of course, today there are few people who do not use the funds of banks. Therefore, there are quite a lot of opinions. Some praise this bank for efficiency and loyalty. Others are outraged by high interest rates. However, it all depends on the program you used. A standard consumer cash loan does not cause any particular complaints. But the express option, where the maximum loan amount is 100,000 rubles, and the percentage for its use - 29.9%, of course, not everyone will like it. But keep in mind that with such loans such huge rates are set because of the risk of default.
In general , the Alfa-Bank loan program , whose customer reviews are mostly positive, is fairly standard and does not contain pitfalls. Although reading the contract, of course, it is worthwhile not to be surprised at the amount of the overpayment for using the funds of a financial institution.