Get a loan online with a bad history. Take out a loan with a bad credit history without income certificates. Legal reasons

Financial market full of proposals to issue a microloan as quickly as possible, with a minimum package of documents and from any credit history(CI). And the more attractive such conditions are, the more chances you have to fall into the hands of scammers. They may take a commission for services that will not be provided, or collect personal data for illegal use. Naturally, the client will not receive any money. Avoid situations like this and take bad credit loan without negative consequences, you can refer to the rating of verified MFOs on our website.

Searching for MFOs on our website is convenient

Our resource contains microfinance organizations where you can get a microloan on different terms. There is a large selection of amounts, ways to receive and return money, as well as a wide range of interest rates. For every company there is detailed description on a separate page.

We do not hide even unpresentable information about MFOs from our visitors. If the company is excluded from the register, a corresponding note will be made about it. The information in the cards of the organization is periodically updated. Microfinance legislation changes frequently, and with it the status of firms. Reviews posted on the resource belong to real people... All messages addressed to MFOs undergo manual moderation in order to prevent a rating boost or vice versa - attempts to push a competitor from a leading position.

All that remains for the visitor to do in search online loan with bad credit history- is to study the proposals presented on this page and send an application. Completed questionnaires are considered on average no more than 15 minutes (some creditors respond to requests even at night). After verification, a response will be sent and cash if the application is approved.

What factors to look for when choosing an MFI

If you find it difficult to choose a suitable company, then use the following list, by which you can check it:

• The size of the microloan.

As a rule, when needed loan to a card with bad credit history urgently and without a large package of documents, you will not be offered a large amount. The MFO will try to minimize its risks and provide the client with the minimum possible microloan to begin with. If the borrower fulfills obligations in good faith, the amount will increase.

• The presence of hidden fees and insurance.

In a verified company, there should be no additional payments for registration and issuance of money. A commission may be charged by the bank for transferring funds to the card.

• Pledge and surety.

Most often, such microloans are issued without collateral. But if collateral is provided, then the chances of making a deal, having a bad CI, increase significantly.

• Method of transferring and refunding money.

You can choose a convenient option: online wallet, system remittances, bank account or card, cash.

Some MFIs' web resources have special loan calculators, where you can find out in advance the approximate amount of the overpayment. Apply for registration a loan to a card with bad credit history you can directly from the website of the organization - online from your computer. In a relaxed home environment, you can easily check all the little things and make an informed decision.

Not many people know how to get a cash loan if the credit history is bad. There are enough a large number of organizations that give money to people with spoiled CI. The general list of the rating includes both foreign and Russian representative offices that are engaged in consumer lending. Therefore, the client always has the possibility of an individual choice of organizations. Most often, borrowers with a missing or problematic history of a loan turn to online services.

Thanks to high speed data processing and the absence of the need to provide documents, you can without obstacles get the required amount of funds for almost any period. At the same time, the number of documents that must be provided will be minimal.

List of banks providing cash loans with a bad history without reference

8 banks from the list support the issuing program credit funds persons with bad and good credit history for any available amount. The table contains key data that may be required when choosing a lender.

Unlike other banks, the listed institutions issue loans regardless of the history at low interest rates. This is quite beneficial for all clients who had previously outstanding debts or other problems associated with payments on time.

Security is the key to successful lending

When choosing banks, the client should be guided by general rules the safety of using online institutions. Before applying for a loan and providing personal documents, it is important to familiarize yourself with the company's license, which is usually present on home page site below. It is also necessary to study all the conditions of the lending program in order to avoid difficulties with interest payments in the future.

Despite the compliance with the policy of honesty by credit institutions, there are many companies on the domestic space that deceive customers. The essence of the deception lies in the gradual change in the interest rate throughout the entire period of debt repayment. Ultimately the client overpays significant amount funds.

Is it possible to apply online for a consumer loan without a credit history

Despite the general banking practice in terms of issuing credit funds, citizens with any credit history can receive money. To do this, it is enough to choose a service that is most suitable for consumer lending, read the terms and conditions and submit a personal application. In the application form, you will need to indicate the minimum amount of personal data and, if necessary, attach copies of documents. If all the established requirements are met, the client can quickly receive loan money, regardless of the previous history of loans.

For registration, it is enough to go through several stages:

1. Read information and credit cards and lending program.
2. Make copies of documents for submission.
3. Fill out the form, taking into account the requirements.
4. Accept official confirmation from the bank.
5. Receive funds in any convenient way.

The loan amount depends on the salary

To take out a loan, in this case, it is enough to have a permanent job with a minimum permissible salary of 15,000 rubles per month. Every citizen can apply for a loan, regardless of status. Also, a student has the opportunity to pick up a small loan. Individuals who are students of any universities are provided with individual credit conditions.

Most often, the maximum loan amount for the selected program does not exceed 20,000 rubles. However, the final size of the loan may vary based on personal requirements and specific financial situation borrower. Often the amount is determined based on the conditions of employment and wages... It is important for the bank to read this information in order to ensure the assurance of lending.

Where is the best place to get an urgent cash loan with a good credit history

The choice of a bank for obtaining a loan depends personally on the user, who often selects a company based on his own experience or feedback from other clients. Most citizens focus on low interest rates and maximum amounts issuing funds. In this case, clients often overpay due to an unprofitable credit company. As a result, solving temporary financial difficulties turns into a new problem.

• Pay attention to the rating in the companies table.
• Study in detail all credit conditions.
• Analyze the interest calculation program.
• Compare lending terms with other institutions.
• Read the list of documents submission.

Denied a loan - apply for a credit card

Most organizations issue to all clients. In this case, it is important to familiarize yourself with the conditions for obtaining a credit card and further rules of use. After all, some banks set inflated interest rates for the withdrawal of credit funds, which is inconvenient and expensive for users.

All basic information about is located in the corresponding section. If you have any difficulties with filing an application or providing documents, it is recommended to contact online consultants. You can also get help in the section of answers to questions, which is present on the website of any banking company.

A credit history is a kind of resume for a borrower, indicating the client's experience with other banks. At the first lending, the client signs a special form in which he gives personal consent to the processing of data on his received loans. The dossier on debts and repayments is kept in the BCH (Bureau of Credit Histories) and is valid for 15 years.

Information from the resume is available to financial institutions in Moscow, which draw up a new pecuniary obligation on the former debtor. Based on the results of the review, the department consultant is inclined to a positive or negative decision. But this does not mean that it is impossible to take a loan in cash or on a card with or without a bad credit history.

What is included in the dossier

Taking a cash loan online and not paying it off is a surefire way to stay with very bad credit, but there are other signs of an unreliable or unprofitable client. These include:

• Uncovered, unpaid debts.
• Fines accrued for violations of the clauses of the loan agreement.
• Delays in payments (one-time delay is not recorded).
• Early repayment. Such a debtor will be trustworthy, but financial enterprises Moscow is not eager to approve their applications.

Wherever an overdue (broken) loan is issued, get consumer credit with bad credit, possibly online.

Correcting the dossier

The best method to take a cash loan or fast translation to a card with a bad credit history - to correct the existing shortcomings, especially if they were admitted through no fault of yours. You will rehabilitate mistakes and disagreements by providing certificates and other evidence confirming the validity of the reason for the delay. Also, urgently get a loan from bad story without refusal, it is possible by proving the current solvency by certificates from work or an account statement. Unfortunately, this method will not work without a collateral for unemployed borrowers without income.

If you have financial capabilities, it is worth refinancing the debt in those banks that provide the corresponding service. They will tell you how to get an express loan, even with a damaged CI.

How to get a new trouble-free loan?

In fact, it is not difficult to fill out an online application and apply to the credit department of all banks in Moscow for registration, even being an unreliable debtor. Although preference will have to be given small organizations, status banks rarely give their consent to the issuance of a loan. And to the question of which bank will definitely give a loan with delays, no one can give an answer.

Many commercial and microfinance enterprises lend small and large amounts of money. On the official sites, you will see all the necessary information and even be able to issue urgent loan online, including those with bad credit history.

People with an excellent history of past loans and having an official income to get a loan is a small problem, but usually a completely different category of clients needs borrowing money. Finding where to get a loan with bad credit is not always easy. But a number financial institutions ready to accommodate borrowers who have made delays in the past.

The best banks that issue loans with a bad credit history offer quite acceptable credit conditions to clients with “problems”. They consider each case individually and only then make a decision. But the choice of a credit institution for obtaining a loan must be approached responsibly.

6 top tips on how to get a loan with bad credit

It is impossible to predict in advance whether a loan with a bad CI will be given. Credit institutions make decisions based on many factors and analyze hundreds of data sources before doing so. A person can not always influence them.

Here are some tips to increase your chances of getting approved and getting paid:

• With regard to CI, the principle “Time heals” is applicable. The credit history itself is kept for 15 years, but the significance of old delinquencies is gradually decreasing. Over time, it becomes quite possible to get approval for a loan application.
• Don't be upset about the first rejection. Different banks CI is assessed differently. Whether or not a loan is approved at a particular bank depends on the scoring score. It is calculated taking into account the CI, but according to different methods in each financial institution... Often the bank's decision is directly tied to the quality of the CI, but sometimes it is almost independent of the credit history. Read it.
• It is imperative to determine the nature of the delays. Banks will not have problems obtaining a loan if in the past there were only minor delays in payments. Often they do not pay attention to delays of up to 10-30 days at all. But sometimes, even due to minor delays, they may approve an amount less than the requested amount or increase the rate. About, how to check your CI read in a separate article.
• It is worth considering the bank through which the client receives a salary or pension. It is likely that such a client already has a pre-approved offer. Banks are often quite loyal to the CI of clients participating in salary projects or receiving a pension through them.
• Try to contact one of the banks offering express loans. They differ quite high rate, but they are easier to obtain. You can also try getting a loan with collateral or surety. The availability of collateral will increase confidence in the borrower
• Apply for a microloan at the IFC and the MCC. MFO - professional participants the credit market, but they are loyal to borrowers due to high competition and practically do not refuse applications. Timely repayment of debts to MFIs can eventually restore the confidence of banks. It makes no sense to count on a large amount of microcredit, but it is not always required. Besides, MFI loan can correct credit history .

Banks issuing loans with bad credit history and delays

Banks that provide loans with delays are not actively promoting these services or are completely silent about this opportunity. Whether or not an application is approved depends on the nuances of a particular situation. The final decision depends entirely on the lending institution. But the list of banks where it is possible to get a loan with a negative COI is quite extensive.

Navigate independently in a wide range of offers credit institutions pretty hard. Choosing which bank, you can arrange new loan if there were delays, you will have to analyze many options, which will take a lot of time.

Rating credit institutions will help you find the right offer easier. It included reliable banks with optimal conditions where you can get a loan if there are delays in your credit history. When compiling the rating, customer reviews were also taken into account. It is the borrowers who can best assess the quality of the services of a particular institution.

Express cash loan at Renaissance Credit

Renaissance Credit offers to take a loan with bad CI and delays without the involvement of guarantors or property pledge. It is not necessary to submit salary documents, but their availability will be a plus.

Features of the offer of KB Renaissance Credit

• Quite a large possible size of the loan (up to 700 thousand rubles).
• The rate for each is determined individually, but the minimum will be - 9.9%;
• The term of the agreement is up to 5 years, but with the ability to pay off the debt ahead of schedule.

For existing clients, registration via the Internet is possible without a visit to the bank's divisions.

Online consumer loan at Tinkoff Bank

Tinkoff offers customers who do not have a very good credit history, 3 options for consumer loans - without collateral, with a pledge of vehicles or housing. They can arrange loans at Tinkoff without a visit to the office. An online application is usually considered in 1 hour (sometimes up to 1 day), and the documents are brought by a courier.

Features of Tinkoff conditions

• In the absence of collateral, the maximum can be borrowed - 2 million rubles, on the security of a car - 3 million rubles, and on the security of housing - 15 million rubles.
• Without collateral, the contract is concluded for a maximum of 3 years, on the security of a car the loan term can be up to 5 years, and on the security of housing - up to 15 years.
• The minimum rate on an unsecured loan is 12%, on a car pledge - 11%, and on an apartment pledge - 9%.

Some clients, in the absence of delays, are given the opportunity to recalculate interest at a reduced rate.

Cash loan with any credit history in the bank Let's go

Let's go to- the bank giving cash loan even with a negative CI. Each situation is approached individually. The decision is made based on the results of the conversation with the financial advisor.

Features of lending in KB Let's go

• there are 6 programs to choose from;
• collateral is not required upon receipt of any loan;
• maximum loan amount - 500 thousand rubles;
• minimum rate - 7.77%;
• loan terms - up to 5 years.

Term loan at Home Credit Bank

Home Credit allows taking out an urgent loan with delays. Existing clients can sign the contract in the online bank, while everyone else will have to come to the office or meet with the courier.

Main features of the KKB offer

• the maximum amount that can be approved is 1 million rubles, but for each client the limit is set individually;
• loan terms are agreed with the borrower, but do not exceed 5 years;
• pledge - not needed;
• the exact rate is set only after analyzing the application, at least it can be 10.9%.

It is allowed to receive a loan with one passport. But if the borrower can submit salary documents, then this will increase the chances of approval of the application, especially when requesting a large amount.

Personal loan in cash at UBRIR

UBRD offers loans with delays and bad credit history for 2 programs. Bond and surety are not required in any case. A preliminary decision can be obtained online, but the contract can only be drawn up in the office.

Basic lending conditions at UBRD

• maximum debt from the bank can be obtained up to 3 million rubles;
• the minimum rate will be 11.99%, and in the absence of salary documents - 15.5%;
• the contract is concluded for a period of up to 7 years, but if the debt is paid off faster, then the interest is recalculated.

Without documents on salary, an amount of no more than 200 thousand rubles will be approved. Approval of applications is allowed if the borrower has open delays of up to 30 days.

Loan without refusal secured by real estate in Vostochny Bank

East Bank offers a virtually trouble-free loan secured by almost any real estate. Additional attraction of guarantors is possible.

Basic conditions of the offer of KB Vostochny for lending with real estate collateral

• maximum loan amount - depends on market price collateral, but not more than 30 million rubles;
• the term of the agreement is up to 20 years, but you can repay the debt ahead of schedule;
• individual rate - from 9.9%.

You will definitely need to insure the pledged object. The subject of the pledge may belong to another person.

Large cash loan secured by a car or apartment in Sovcombank

Sovcombank proposes different kinds credits. An application for a loan with a bad credit history can be submitted simultaneously under 3 programs - unsecured, secured by a car or an apartment.

A loan in Sovcombank with a bad credit history without failure has the following features

• if a client draws up a loan with a pledge of an apartment, then the maximum he can count on is a loan of 30 million rubles, and in other cases the amount will not exceed 1 million rubles;
• when receiving a loan secured by housing, it is possible to conclude an agreement for a period of up to 10 years, and under other programs, the term will not exceed 5 years.
• rate when activating the option "Warranty minimum rate"- 11.9%, and without it - from 16.9%.

It is possible to approve the application without documents on income. But it is advisable to present them, especially when requesting an unsecured loan.

Where to get a small loan with a very bad CI or open delinquencies

It is not always easy to find which bank will give a loan if you have a bad credit history. In the presence of active delays or very poor CI, the likelihood of getting the approval of the application in them is significantly reduced. If you need to borrow not a very large amount, then you can apply for a microloan through an MFO.

Various MCCs and IFCs are loyal to borrowers with problems and offer a loan to all citizens of the Russian Federation. They allow you to get a loan for almost any CI and also transfer data to the CRI, which helps to improve the credit rating. After paying off the debt in the MFI without delays, you can return the trust of the banks.

Features of lending in MFOs

• Various types of loan programs. Loans are issued with and without collateral. Available amounts and other microcredit conditions may vary significantly from company to company.
• Fast decision. Competition in the MFO market is very high and companies try to respond as quickly as possible to client requests. In some cases, approval is automatic.
• Possibility of online registration. It is available to all clients, but only for unsecured loans and not in all companies.

There are many offers on the loan market from MFIs. It is rather difficult to navigate in so many products on your own. It is much more convenient to immediately study the proposals of the best IFCs and MCCs that offer loans to clients with a "problem" CI.

Money on credit secured by MoneyMan

MoneyMan Is one of the leaders in the online loan market. It allows you to take out a loan with a very bad credit history. MoneyMan does not have collateralized products, but it has various types of microloans in its assortment. The company actively cooperates with all major BKIs and allows us to improve the CI.

Basic conditions for loans in MoneyMan

• microloan amount - up to 80 thousand rubles. (for the first time - up to 15 thousand rubles);
• rate - 0.8-1% per day (for the first time you can take a loan without interest for 15 days);
• terms - up to 18 weeks (for the first time - up to 30 days).

Issues microloans MoneyMan completely online. You do not need to visit the office to sign documents or meet with the courier.

A loan with a very bad credit history secured by PTS in Auto Loan

Sometimes a serious amount of debt is urgently required and there is no time to look for which banks issue loans with a negative COI. The Autoloan company offers to solve the problem with the help of a loan secured by PTS. At the same time, the car will remain with the borrower, and they practically do not look at the CI. Lorries and cars, motor vehicles, special equipment, snowmobiles and even water transport are accepted as a deposit.

Basic conditions of loans from the company Avtozaym

• possible amount - up to 90% of market value collateral (max. 300 thousand rubles);
• term - up to 60 days with the possibility early repayment and prolongation;
• auto insurance - not needed;
• rate - individual, up to 103% per annum (0.28% per day).

You can draw up a contract with specialists in the office of the company. The whole procedure usually takes no more than 2 hours. You don't have to pay any additional commissions.

Microcredit without refusal and bad CI in Turbo Loan

Turbo loan- a subsidiary of IFC Bystrodengi, engaged in issuing loans via the Internet. She offers to take a loan with open delays and almost any CI. In this case, no collateral is needed.

Basic terms of microloans in the Turbozyme service

• amount - up to 50 thousand rubles;
• terms - up to 24 weeks;
• rate - up to 1%.

You can apply for a loan completely online. After the conclusion of the contract, the company transfers the money to a card or online wallet. Short-term loans are repaid at the end of the term in one payment, and microloans for a term of more than 1 month are paid in equal installments once every 2 weeks. The first time for new borrowers there are limits, restrictions and they cannot borrow more than 10 thousand rubles.

Zimer Is a robot through which you can take out a new loan if there were delays in the past. The company issues all microcredits without collateral. After the conclusion of the agreement, funds can be transferred to a card, account, online wallet and in other ways.

Basic terms of lending through the robot Seimer

• microloan amount - up to 30 thousand rubles;
• loan term - up to 30 days with the possibility of extension;
• rate - 1% per day.

Available additional service- "Improving CI". It guarantees the transfer of data on a successfully repaid loan to all major credit card companies of the Russian Federation, which helps to raise the credit rating.

The Zimer robot has a twin service - Robocredit, created by the same company. In the latter, you can get loans for an amount of up to 100 thousand rubles. with a period of 3-12 months and a rate of 0.3-0.87% per day. All loans in it are also issued online without collateral.

Online loan with bad credit history in One Click Money

One Click Money service offers to get a loan with delays and even a completely negative CI. All microloans are issued online without collateral. After the conclusion of the contract, money can be credited to a card, online wallet, account and in other ways.

Basic conditions of microcredits in One Click Money

• loan agreement terms - 6-60 days;
• amount - 500 - 30,000 rubles;
• rate - 1% / day.

Some regular borrowers are sometimes offered microloans with an extended duration of up to 126 days, in an amount of up to 50 thousand rubles. and reduced interest rates (0.76%). Such loans are also issued completely remotely.

What to do if banks do not give loans with poor CI and open delinquencies

Whether it is possible to get a loan with a bad CI depends on the many nuances of the situation of a particular borrower. Sometimes a person may find themselves in a situation where all of his applications are rejected. In this case, one should also not despair, but solve the problem.

If all banks have refused, then you can take a number of actions:

• Ask for help in obtaining a loan from loved ones. In fact, another person simply takes on a loan, and a person with a problem CI uses the money and pays off the debt. Unfortunately, even relatives do not always agree to draw up loan agreements for themselves. In addition, a loan to another person will help solve the financial problem, but will not help to improve the CI of the person with the problem.
• Fix CI. To do this, you can take and return the microloan to the MFO in a timely manner. To correct the CI, you can also try to get credit card albeit with a small limit. They are much easier to approve than regular loans, and with regular use of a credit card, you can increase your credit rating quite quickly. The main thing is to prevent new delays.
• Wait a while. Sometimes it is unrealistic to get a loan with a damaged credit history right away. But over time, when the significance of delinquencies diminishes, it will be quite realistic to do so. How long will have to wait in advance is difficult to say. Usually 2-3 years is sufficient. But sometimes, even after 5 years, you can get a refusal due to violations credit agreements previously admitted.
• Borrow money from an individual against a receipt. You can find offers from private investors on the Internet and in local newspapers. Credit conditions in this case can be fully negotiated with a potential lender. But there is a great likelihood of encountering fraudsters who, instead of financial assistance, will try to take away the last money.

A bad credit history creates significant problems when trying to take out a new loan. The probability of failure is quite high. In most situations, you can still find where to get a loan with a bad credit history. The main thing is to take a responsible approach to choosing the right offer.

The best banks that provide loans to clients with bad credit offer enough profitable terms lending. At the same time, you can choose the options for receiving funds on collateral or without it, as well as choose a convenient loan term. In extreme situations, you can always contact an MFO, where refusals are practically excluded for any CI and even open delays.

Banks lend cash without problems to people with good CI, high white wages, long experience and other signs of financial solvency. But more often than not they need money at all, but those who have been laid off, who have just got a job and have not yet received a salary, or those who need to close another loan. If you are one of those and you have a bad credit history, read on how to be in this case.

7 reasons that spoil your credit score

To begin with, a little theory - why in general you can have a bad credit history, how is it formed and how do other banks find out about it at all?

First, there is a special BKI (bureau of credit histories), or rather not one, but several. In them, banks submit information about all borrowers and take data on new potential customers there. Large state-owned companies cooperate with all KBIs and find out all your ins and outs. Commercial - with only a part of them and there is a chance that some information will remain a secret for them. Young organizations and express loan services may not check CI at all or give it to everyone or almost everyone in order to attract new clients.

1. Do not pay interest on the loan on time;
2. Have current delays without good reason;
3. Monthly payments are more than half of your income;
4. Fraudsters took out a loan in your name (for example, using a photocopy of your passport);
5. The bank issued a credit card in your name without your knowledge;
6. He did not send the data to the BCI that you closed the loan;
7. The debt was sold to collectors - they even less often transfer information about the loans paid to the BCH.

The first three reasons are your fault, but in this case you yourself know about your problems and are probably trying to solve them. But the last four do not depend on you, and in the case of fraudsters, you will not know about it at all until they come to you to demand the debt and interest on it. How to be? First, check your rating.

6 Easy Ways to Improve CI

After checking your credit history, you need to fix whatever problems you can. For example, contact the bank with a request to indicate to the BCH that you closed the loan or write a complaint about fraudsters. Everything that was not your fault will be corrected, but for now you must:

1. Try to close all current delays (read -);
2. Ideally - to pay off the current debt in full;
3. Do to pay less;
4. Take small amount borrow money and repay it on time (programs and to improve or form CI from scratch to help you);
5. Buy a product by installments in a store - they do not contact the BKI there and you can form a positive rating;
6. Take a car loan or a loan for a large amount and a long term.

In the latter case, applications are considered individually, and you can personally influence positive side on the manager's decision. But with small loans - borrowers with poor CI are cut off by the program, and you automatically receive refusal after refusal, which even more negatively affects your rating. By the way, this is why it is not worth submitting a dozen applications to different places at the same time - other companies see refusals, which negatively affects CI and reduces the likelihood of approval.

10 banks with bad credit history

And finally, if you have corrected everything you could and decided to take out a loan again, it is better to apply for it in those banks that are more loyal to bad credit history, and are more likely to arrange a loan for you, even with debts and delinquencies. Usually they are either young or old, but not too large. commercial organizations... We have compiled a detailed rating of such companies for you.

Private investor - lends to those who were refused by the banks. Most loyal with a large number approved applications up to 80 out of 100 - Oriental and Renaissance... Cash is slightly worse Homecredit and Tinkoff... In the rest, the chances are 50 to 50. Tinkoff, Vostochny and OTP work with the unemployed or unofficially employed. Homecredit and Renaissance also do not require certificates. V Sovcombank it is worth contacting retirees. V SKB- with a damaged CI to fix it.

A loan from a private investor from 13.5% even with a bad CI

• Amount: 250,000 - 35 million rubles;
• Term: 2 months - 17 years;
• Interest rate: from 13.5% to 16%;
• Documents: passport + SNILS or other additional;
• Age: 18 - 59

Call: 8-939-302-55-55
Write: [email protected]

Private investor Sergey Alexandrovich offers assistance from his own personal funds. I am ready to give money already on the day of application, even if other companies have refused you, the CI is damaged or there is no official work. Registration under a loan agreement (against receipt) without prepayment and only according to a passport and SNILS. From the age of 18. Call and get cash today!

Eastern - even for problem borrowers

• Amount: from 25,000 to 15 million rubles;
• Term: 1-20 years;
• Interest rate: from 9.9%;
• Documents: Russian passport;
• Age: 23 - 70

The main advantage is that applications are considered very quickly, within 15-30 minutes, and you can collect money even today. Plus, for registration, you only need a Russian passport, no other papers, including 2-NDFL certificates and copies of the employment tax, are needed. The rate is slightly higher than now in other companies, but very high probability approvals and a minimum of paperwork.

Renaissance Credit - up to 700,000 per day

• Amount: up to 700,000;
• Term: 2-5 years;
• Interest rate: from 9.9%;
• Documents: 2 documents;
• Age: 24 - 70

This bank has been working for a long time Russian market, but it cannot be called large. Known for being the most willing to issue cash loans and credit cards to clients with low credit rating and without CI.

Home Credit - a loan for 200,000 - 300,000 and more

• Amount: From 10 to 1 million rubles;
• Term: From 1 to 5 years;
• Interest rate: From 7.9%;
• Documents: 2 documents;
• Age: 22 - 64

Another organization loyal to borrowers. It does not require a certificate of income, and as a second document you can present a banal driver's license or SNILS.

SKB-Bank - no rejection with a bad credit history

• Amount: From 50,000 to 100,000;
• Term: Up to 3 years;
• Interest rate: Up to 59.9%;
• Documents: only passport;
• Age: 23 - 70

Initially it positions itself as a bank that is ready to issue loans to those who do not yet have a credit history or it has been damaged by delays in the past. He takes quite high interest rates, but on the other hand he doesn't refuse almost anyone. Dispenses cash only for 1 document.

Citibank - approval even with delays

• Amount: From 100 thousand rubles to 2.5 million rubles;
• Term: From 1 to 5 years;
• Interest rate: From 12% to 18%;
• Age: 23 - 65

He specializes more in dispensing cash to clients with a good credit rating, but often does not refuse to those who have a damaged CI. But you will need to prove that you have corrected yourself, you are going to pay on time according to the schedule, plus provide a certificate that you are receiving income sufficient to repay the debt taken from them without delays. Accordingly, official work is required.

Tinkoff Bank- trouble-free loan up to 1 million

• Amount: Up to 1 million rubles;
• Term: From 3 months to 3 years;
• Interest rate: From 12% to 24.9%;
• Documents: only passport;
• Age: 18 - 70

An ideal solution for those who do not want to go anywhere and collect a ton of documents or fill out some long and incomprehensible questionnaires. It works very simply - you register on the official website, indicate reliable data. The bank checks and usually sends you an SMS about the decision on the same day. If the loan is approved, a courier arrives, brings a card with money, and you go to any ATM and withdraw it from it without commission. And all this - from adulthood.

OTP Bank - on the day of circulation without credit history

• Amount: Up to 1,000,000;
• Term: Up to 5 years;
• Interest rate: From 10.5%;
• Documents: passport + income statement;
• Age: 21 - 65

He is known for the fact that he very quickly, literally in 15 minutes, examines the submitted applications and makes a preliminary decision by SMS. Then you just have to walk to the office, bring Required documents, sign a contract and get money. Provides cash even to those who do not have a CI at all.

Sovcombank - 100,000 with the most low interest

• Amount: Up to 100,000 rubles;
• Interest rate: from 8.9%;
• Term: 12 months;
• Documents: 2 documents + income statement;
• Age: 20 - 85 years old.

And the most delicious last. An excellent offer from Sovcombank - you can get a loan of 100,000 for a year - only 8.9% overpayment. There are no other such proposals. The organization is well-known, but not too large, therefore, it is loyal to the spoiled CI. The main thing is to bring all the necessary documents and a certificate of current income. This program also applies to retirees.

Other ways to get a loan with a low CR

Besides banks, there are other ways to borrow money with bad credit history. Here are a few more ways:

1. Credit cards ... Do you know that credit cards are issued much more loyal than cash? Yes, there will be a small limit, the interest is higher, and you will have to pay a commission for withdrawing cash. But the likelihood of approval is greater. (TOP Cash secured... To convince banks that you are financially sound, offer them something substantial as collateral for your loan. The most popular loans and.
2. Bring a guarantor... Yes, most people want to take money, but this is not always possible. If you find someone who agrees to become your guarantor (reliable, with a good salary and an ideal CI), then consider that you will receive + 50% to approval;
3. Credit Brokers and assistance in obtaining a loan... If it is difficult for yourself - ask for help. There are private brokers and entire companies that help get approval from banks. The main thing here is to choose according to reviews and not run into scammers. Their commission for assistance is high, but there is no 100% guarantee. Therefore, it is better to refuse to cooperate with those who take an advance payment even before you receive a loan.
4. Private loan... Yes, now there are individuals who give loans to others. They usually do not have access to CI, and they do not particularly check. The contract can often be limited to a simple receipt that you have borrowed money. But the percentages are extortionate.

Banks refused? We go to the MFI

If everything is really bad, and even in those banks that are loyal to clients with a spoiled history, you are refused, there is only one way out - to contact microfinance organizations. Yes, it's expensive. Yes, high percent... But even with delays, you can get a loan if you need money urgently.

6 verified MFIs for loans with poor CI, where they will definitely not be denied.

1. - most profitable option after banks. The rate is from 11.9% per annum (as opposed to microloans with 1% per day) and issued at a time up to 300,000 rubles. They work with any history and require only a passport and a work phone (mobile is possible).
2. - a fixed rate of 1%, independent of weather conditions and the mood of the MFO. You can get up to 30,000 rubles for a period of 7 to 30 days. You only need a passport, money comes to your bank card.
3. - automatic round-the-clock approval without the participation of managers. Send an application, in 15 minutes the money will already be on your card. The rate is the same - 1% per day. But they approve even with bad credit history and delays.
4. - for the action that is currently taking place there, the first loan can be obtained free of charge at 0%. If you haven't contacted yet, you're in luck. For secondary loans, the percentage is from 0.87% to 1% per day. And you need a certificate of income.
5. Is the largest MFI in Russia. Cash is issued from 18 years old only with a passport from 0.76% per day. They work with students, the unemployed and people with damaged CI, including those with debts and delays. But it is better to pay on time and quickly, so that later you do not have to be 2-3 times more than you took.
6. Is another well-known microfinance organization that you can turn to for money with a bad credit rating. The rate is from 0.63% per day, up to 30 thousand rubles are issued. After completing the application, in 5 minutes the money will be on the card if it is approved.