Bank loan Let's go! Bank "Let's go!" - Credit history: secrets revealed And why the bank can refuse, let's go

Yes, they will. However, the conditions will not be the same as for the officially employed. The bank or other credit institution, upon approval of the application, will assume increased risks. The likelihood that you will pay off the loan on time without a stable official salary is lower. This will affect the value of the interest rate, loan term and other conditions, and not in your favor.

What kind of loan will it be?

Receiving black salary and having no other stable sources of income, you can count on consumer credit(for example, for vacation, medical treatment or without a specific purpose, that is, a non-earmarked loan). You won't be able to take out a mortgage.

Who will give the money?

There are two options here: go to a bank or another lending institution, such as a microfinance institution.

You can contact the bank on your own or through credit broker- a company that acts as an intermediary between you and the bank. The broker is looking for the most profitable offer banks that are most likely to approve the application, prepare documents and send them to credit institution... For their services, the broker usually asks for 1-10% of the amount.

The second method will be as unprofitable as possible, but simply cosmic (1-2% per day). In this case, the borrower may be obliged to immediately pay a commission for services in the amount of 10–20% of the loan value or to take out life insurance in a specific company that offers not the most favorable conditions. But getting such a loan is simple: usually just a passport is enough.

What conditions can you expect?

Usually, for the officially employed and officially unemployed, the bank operates the same credit programs, but the conditions for them are different. In the second case, the rate is 2-3% higher, and the loan amount is less. But there are nuances here.

For credit institution it is important that you verify your source of income. For example, if you do not work officially, but have real estate that you rent out and receive monthly rent, you will regard this as a permanent source of income. In this case, you can get a loan for more favorable terms, close to those offered to officially employed citizens.

Another situation in which the bank will meet you halfway is the provision of collateral. Best of all - a firm pledge. To get a loan on normal terms, you will need to prove that if you suddenly cannot pay it off, the bank will be able to appropriate your property (for example, an apartment, house, car) and thereby cover the costs. As security, you can also involve a guarantor - a person with an official stable income sufficient to repay the loan, who will take all the risks.

When giving loans to the unemployed, the bank may demand a higher an initial fee(about 30-50% of the amount), so be prepared for this.

What documents are required for registration?

If you can confirm admission in any way, do so. For example, provide the bank with a motion certificate Money on an account or receipt of money from third parties (no matter what is indicated in the purpose of payment), an account statement for the last couple of months, and so on.

As in other cases, you will need to fill out a questionnaire. Indicate your place of work, even if it is informal, and the amount of real monthly income. You shouldn't overestimate your income: the bank checks the information. If a discrepancy is revealed, you will be denied a loan without explanation.

How will my creditworthiness be checked?

The bank can act in different ways.

If the loan amount is large, you will be checked by the security service. Her employee will find out if the company that you indicated as a place of work exists, under what conditions they work unofficially and what conditions you have. Such a check can take place by phone or in person - security officers often visit the site.

If the loan is small, you will be checked by a personal manager who accepted your documents. He will call your manager, find out how much you actually get, and clarify how satisfied the employer is with you. All this will allow the manager to understand whether you will receive stable monthly income in this company and, accordingly, repay the loan on time.

If you have a positive one, it will be a plus in both cases. At the same time, it is better if you previously took and successfully repaid loans at the very bank where you are applying now.

Is it profitable to take out a loan if I am not officially employed?

It turns out that no. In all respects, you lose to workers with a gray or white salary. The procedure for obtaining a loan is more complicated, the likelihood of the application being approved is lower, the amount is lower, and interest rate above.

Go to the Bank's website Let's Go !. Read the terms of lending:

Employee Let's Go! will call and help prepare a package of documents for a loan application.

Borrower requirements

• Russian citizenship
• 22 to 75 years old
• Permanent registration in Russia on the territory where there is a branch Let's go !, more than 6 months
• Work experience at the last job from 3 months (total from 1 year)

Required documents

• Russian passport
• Second identity document: SNILS, TIN, military ID, passport

About the bank

Let's go to! is a relatively small retail bank. Founded in 1993 in Novosibirsk, it was originally called Hals-Bank. Later it was renamed into Investment City Bank. Since 2006 he has specialized in servicing private clients. By 2010, the bank became part of the Life financial group and received its modern name. At the end of 2016, the bank bought out Sovcombank, but the following year it was sold to its managers.

Now most of the bank's shares belong to Valery Kuzovlev (over 33%), member of the board of directors Vladimir Voyek (over 17%) and chairman of the board of directors Mikhail Berezov (over 19%). Bank Head Office Let's Go! located in Moscow. The regional network includes more than 170 branches in large cities country. The bank operates on the basis of the license of the Central Bank of the Russian Federation No. dated August 18, 2016.

The bank specializes in lending to individuals. It offers a variety of offers for any clients - consumer, mortgage, microcredits and credit cards... In addition to loans, the bank offers deposits, debit cards, Money transfers and insurance services.

The documents

You will learn how to enter your personal account on the official website Let's Go! online. Detailed instructions for convenient and quick access to poidem.ru with screenshots and video instructions. Visual Recovery Guide forgotten password To personal account jar. We provide only the most up-to-date information.

Answers to popular questions

How Let's Go! issues a loan in cash?

Let's go to! makes a decision on the issuance of a consumer loan in 1 working day. The bank credits the loan to the borrower's current account after signing the loan agreement. The money can be withdrawn at the box office. Let's go! or transfer to another account or card.

How can you control loan Let's go!?

The loan can be monitored through the Internet service My Bank on the website Let's go! The service has information about the amount of debt, the amount and date of the next payment, information about full cost credit and account balance.

Is it possible to repay the loan Let's go! ahead of schedule?

Credit Let's Go! can be returned early in whole or in part. Write a statement at the bank office. You can fully repay the loan on the date of application. Partially - on the date of the monthly payment.

Does it take Let's go! penalties for late monthly payments?

The borrower is required to make payments on the repayment schedule. In case of violation of the amount or term of payment of the loan, Let's go! may charge interest. The penalty amount is 0.0545% of the amount of overdue debt and is charged for each day of delay.

How to repay a loan Let's go! is free?

To repay the loan, Let's Go! offers 2 free ways. You can pay in cash at the bank office or through an ATM. The money will be credited on the same day.

To pay through the cashier, you need a passport and a contract number. You or a third party can make the payment.

To pay for a loan through an ATM, you need a card Let's go!

You can also pay for the loan by transfer from an account or card at any bank. The sending organization takes the commission according to its tariffs.

People need a cash loan quite often, and mostly because of the constantly falling income level.

Dear Readers! The article talks about typical solutions legal issues but each case is different. If you want to know how solve your problem- contact a consultant:

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Money providing services individuals provided by banks that can issue a loan for a fairly long period and in a large amount.

But it should be borne in mind that there are both quite popular banks and minor ones that try to attract a client with an unusual format or favorable terms.

Since there are a lot of offers on the lending market, it becomes necessary to analyze each of them.

In particular, one should understand how to get a cash loan at the bank Let's Go in 2020. This will allow clients to save time and effort in the future when taking out a loan from this credit institution.

General aspects

Lending in the bank Let's go is carried out according to an unusual scheme. The fact is that the maximum loan amount is small - 250 thousand rubles.

Based on this, the lender sets a fairly high interest rate. But it is possible to reduce the percentage rate provided that the loan payment is made in good order.

Necessary Requirements

Among the conditions that a banking institution puts forward in relation to its borrowers are:

1. The borrower must be either an employee or not.
2. Age for men and women is the same here. The maximum is 75 years and the minimum is 22.
3. The client must have a total work experience of more than one year.
4. In the last place of employment, the borrower must work for at least three months.
5. Permanent registration is required only in the region where the bank operates. It is not required at the place of loan registration.

It is worth noting that Bank Godem does not require borrowers to confirm their basic income. This greatly simplifies obtaining a loan.

Only if all the specified standards are met, the borrower can count on the approval of the loan application form.

Contact Information

To get all contact information about the lender, just go to the bank's website. Let's go.

There you can find the following ways of contacting a banking organization:

• bank branches in the nearest city;
• an offline consultant to whom you can write a question and receive an answer by e-mail;
• all-Russian telephone line;
• pages in social networks where you can rate the bank and write a request to it;
• telephone line for calls from abroad;
• address Email;
• Fax.

It is worth noting that the all-Russian telephone line at the bank Let's Go works round the clock. Therefore, when filling out an application, if you have any questions, you can dial this number at any time of the day.

Plus, making calls is free throughout Russia, both from landlines and from mobile phones... The main office of the banking institution is located.

Legal framework

Loan processing is always carried out strictly within the framework of Russian legislation... But the borrower should still be aware of their rights in order not to fall for fraud or hidden credit conditions.

So, the main document that regulates the calculation of the interest rate on loans is the Federal Law. Detailed information on the rules for setting interest on a loan is in the law at.

Plus, the borrower should understand the seriousness of the procedure - after all, in accordance with Federal law, all credit operations are entered into the database of the Bureau of Credit Histories.

The correctness of the loan conditions can be checked by Federal. The article talks about all the nuances that a borrower should consider.

Required documents

Since after the approval of the loan application, the next stage of loan processing is the verification of the borrower's documents, it is worth preparing for this procedure. Since the decision of the bank to issue a loan depends on the completeness of the data.

The standard set of documents for processing a consumer loan at a bank Let's go looks like this:

• loan application form - completed online or at a bank branch;
• additional document for identification of the borrower.

Any official document can be used as a second document in the bank. This can be a student ID card, retirement certificate, or a birth certificate.

However, the bank requires proof of seniority and work. Therefore, it is worth preparing a work book and about providing a place of work with an employer. Without them, a banking organization may refuse to issue a loan.

Plus, it is worth remembering that the bank has the right to request any documents from the borrower. And in order to save time on the preparation of these papers, it is worth collecting the entire package of documents in advance.

Features of filing an application

In order to apply for a loan, the borrower must choose one of two available methods:

• visiting a bank branch;
• filling out an application in any convenient place through the Internet.

The second option saves a lot of time and effort of the borrower. After all, if the bank refuses to issue a loan, the borrower will not lose anything. There is nothing to go to a bank branch, to sit there in line, in order to end up being refused as well.

Making an application on the Internet is no different from the standard in terms of the structure of the document and the rules for filing. It should be understood that you can submit an application via the Internet only in separate offices.

To check the possibility of registration, you should select your city and branch in the drop-down list on the site. If it is, then you can proceed to the next stage - filling out the document.

All parts of the questionnaire are conditionally divided into the following items:

Loan data	It is worth calculating in advance the amount and maturity of the loan and entering these numbers into the application. Then the lender will consider the borrower and the risks associated with the issuance of such a loan in more detail.
Borrower's personal information	This is information about his name, date of birth and forest
Passport information	In this block, data are indicated exclusively from the passport document - the series, number, who issued and the place of registration of the borrower
Contact details	The bank will need them to communicate with the client both at the stage of loan processing and during the period of loan repayment. The borrower should only provide reliable phone numbers, residential addresses and email addresses.

At the very end, it is worth checking the boxes with the consent to the processing of personal data. This is necessary so that the lender can check all the information provided to him and use them to draw up a loan agreement.

Also, along with the sending of personal data, the client gives his consent to view the credit history and make changes to it. If an agreement is signed, the loan data will appear in the borrower's lending history.

If there are any difficulties with filling out an application in this bank, the borrower can contact the representatives of the organization by contact phone numbers

Lending terms

Therefore, the conditions for its registration will be the same for all categories of borrowers.

Under this program, the borrower receives a loan on the following conditions:

It is also noteworthy that you do not need to take out insurance under this program.

Also missing:

• commission fees;
• provision of any kind.

Based on the small amount of the loan, the bank does not require any additional confirmation and guarantees.

It is worth noting that a sufficiently high interest rate may decrease. This happens during the loan repayment period. But the condition for such a process is the correct payment of the debt without delays.

Without certificates and guarantors

Guarantors for the bank lending program Let's go missing. In this case, the borrower can provide or for issuing him a loan, if he has nothing else to prove his solvency.

As for the certificates, the bank does not require them either. In the event of a bad credit history, the borrower is better off providing the bank with some kind of confirmation and guarantees in the form of certificates of income and employment. In other situations, such documents will be superfluous.

Cash loan with bad credit at the bank Let's go

If you have a bad credit history, it will be difficult for a borrower to get a loan from this bank. Because the only thing that the bank analyzes is credit history.

It should be noted that the bank sets high interest rates for a reason. Such a loan is possible, but in case of delays, the banking organization imposes impressive fines - from 2% to the rate.

If all loans, even with late payments, are closed, the borrower can apply for a loan from this bank.

Debt repayment

In order to pay off the loan, it is worth understanding what annuity payments are - these are equal amounts that are paid monthly to pay off the debt.

If it is necessary to repay the loan earlier, the borrower can count on payment without commissions and moratoriums if he repays:

• partially;
• fully.

To make payment on the loan, you should use the cash desks banking organization Let's go to. The second payment option is to transfer funds from an account with another banking institution.

But it is worth remembering that the receipt of this payment to the account may take up to five working days and it is better to make the payment ahead of time.

Emerging nuances

When applying for this loan, some questions often arise. Since the formation of the interest rate is very individual in this bank.

In order for the bank to reduce it, the borrower must regularly pay the loan for a period of six months.

Is a loan issued to pensioners at 12 percent

Pension programs in the bank Let's go no. Therefore, this category of borrowers cannot count on any benefits.

The minimum interest rate for any of them is 20% per annum. Provided that the borrower adheres to all repayment rules and does not commit delinquency on the loan.

The loan can be issued and repaid until the age of 75. This is the maximum age for a borrower in this organization.

Is it possible to get this loan with a passport

In the bank Let's go - this is a standard condition for all borrowers. However, to this document be sure to attach additional identification paper.

Maxim Demchenko

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The bank offers borrowers to use one of 3 loans. You can apply for a cash loan with only two documents, without confirming income and security. The editors of the "Bankonomics" website compiled an overview of consumer credit programs Bank Let's go! for Moscow.

At the bank Let's go, you can get a cash loan under low interest to pay for purchases or in cash. There is no need to report on the use of the loan. The bank gives money to both employees and pensioners and individual entrepreneurs. The main parameters of the issued loans are collected in the table.

To the bank card Let's go! credits “For youth” and “Simple solution” are credited. They can not only pay for the purchase of goods and services, but also withdraw cash or transfer to another account. However, when dispensing money from an ATM, the interest rate will increase to 59%.

Credit "Let's go!" suitable for those who need cash. The interest on this loan is reduced from 30 to 11.9% within 13 months. At the same time, the size of the monthly payment also decreases.

Lending terms

Before signing the contract, you must study all the terms of the loan. Pay special attention to the issues of repayment, interest accrual, the system of penalties for delays.

General terms

Each of the Bank's loans Let's go! own system for calculating interest rates. Loans "For Youth" and "Simple Solution" have the same mechanism for setting the rate. For non-cash payment by card, the interest is 29% per annum, for the amount received in cash or transferred to another account - 59%. In addition to interest for using a loan, the bank takes a commission for cashing in the amount of 5%.

It is better not to withdraw money issued to the card. If you need cash, it will be more profitable to use another loan program.

Let's go! different from other loans. The loan is disbursed for 13 months. During this period, the interest rate decreases:

• 30% (1 - 3 months);
• 25% (4-6 months);
• 15% (7-9 months);
• 11.99% (10-13 months).

The borrower can choose the loan term within 5 years. Loans “For Youth” and “Simple Solution” can be used within 6 months. Interest will only accrue on the amount used, and the loan period starts from the date of the first expense transaction... If a part of the loan is not spent within six months, then this balance is blocked.

When applying for a loan, you must clearly assess your repayment capabilities. For late monthly payments Let's Go! calculates fines. Their size is indicated in the individual loan conditions.

For example, on loans "For youth" and "Simple solution" for the amount of delay, an additional 20% per annum is charged until the debt is closed. According to the program "Let's go!" penalties are charged at the rate of 0.0545% per day of the amount owed.

Bank employees advise to repay the loan ahead of schedule, even for small amount, because a decrease in the principal debt reduces the interest paid. This is especially beneficial for loans with a high interest rate.

Any of the loans Let's Go! can be repaid ahead of schedule in whole or in part. To do this, you need to write an application at the bank branch. The amount to be repaid is written off on the same day, so you need to immediately deposit it into the account. After early repayment the bank will recalculate the interest.

Features of granting a loan

Bank Let's go! does not distinguish between preferential categories of borrowers. Pensioners, individual entrepreneurs and self-employed workers will draw up a contract on general terms.

Each borrower of the bank can participate in the bank's promotions. One of the “Points” loyalty programs offers a reduction in the interest rate. Participation in bonus program free.

For timely payment of monthly payments, recommendations or use of bank services Let's go! accrues from 25 to 100 bonuses. Depending on the number of points accumulated, the client is assigned the status "Golden Cat", "Silver Cat", "Bronze Cat". The status affects the interest rate of subsequent loans.

Calculation example. A loan was issued for 2 years. For each payment made on time, 100 points are awarded. After payment of the loan, the client receives the status "Bronze Cat".

To obtain the Silver Cat level, you need to be a borrower for more than 3 years or use other bank services.

Among those operating on this moment of credits, the statuses of the program "Score" reduce the rate on the loan "Simple solution".

Let's go! there is a birthday promotion. If you issue loan agreement in the month of birth, the loan rate will be reduced by 5%.

Compliance with the terms of credit and participation in bank promotions will make the overpayment lower.

Borrower requirements

The bank issues loans only to reliable and solvent clients. In order to select suitable borrowers, the bank puts forward a number of requirements. The specific list of restrictions depends on the loan program.

The main

Standard requirements for borrowers:

• age from 22 to 75 (from 18 to 25 under the program "For youth");
• Russian citizenship;
• registration in an entity where there are bank offices;
• work experience at the last job for more than 3 months;
• total work experience> 1 year (> 6 months under the program "For youth").

The bank does not put forward any requirements for the availability of landline telephones, income level and client status.

Preferential

Special requirements for pensioners and individual entrepreneurs Let's go! does not show. However, retirees need to remember that they must be no more than 75 years old at the end of the loan. Individual entrepreneurs are treated as employees.

Required documents

The bank requires documents from the borrower to confirm the details of the loan application. Amount up to 200,000 rubles. can be obtained by 2 documents, without proving employment and income.

Mandatory

To the list standard documents includes:

• passport of a citizen of the Russian Federation;
• bank statement;
• second identity document (foreign passport, SNILS, driver's license).

Additional

If the amount of loans in the Bank Let's go! exceeds 200,000 rubles, then you will need to confirm the income. This can be done with:

• 2-NDFL certificate or account statement salary card for an employed person;
• certificate of the amount of pension from the Pension Fund for a pensioner;
• tax declaration and registration certificate for individual entrepreneurs.

The documents that the borrower submits to the bank must be valid. Before registration, you need to check the validity of the passport, pension certificate and 2-NDFL certificate.

How to get a loan

Submit loan application and you can get money only at a bank branch. In order not to waste time waiting in line, you can leave a request for a call from a specialist and agree on the time of the visit.

Through the Internet

To leave a request for a call, you need to click on home page site Let's go !, to the button "Application for a loan". In the window that opens, you will need to specify your full name, phone number, email address. You also need to select a city and loan parameters.

During the day, a bank employee will call and agree on the time of the consultation. You can clarify your questions by phone. However, loan officers Let's Go! it is highly recommended to come to the nearest branch in person.

In the office

Bank Let's go! draws up all loans in the branches. Before submitting a questionnaire for consideration, a bank specialist talks with the borrower. This is necessary to find out the client's solvency, working conditions and the purpose of the loan.

Based on the interview results, the loan officer decides on the optimal loan program, interest rate and term. After that, he submits the loan application for consideration. Within 3 days, the bank makes a decision and issues a loan.

To find a convenient office Let's Go !, you can use the "Branches" section on the bank's website. The required branches must be filtered by checking the box next to the “Take out a loan” item. The service will display suitable offices in the form of a list of addresses or show the location on a city map.

Methods of obtaining

After Let's Go! approve a loan application, you must come to the office and sign a loan agreement.

For loans "Simple Solution" and "For Youth", the bank credits money to the card, which is issued free of charge. Loan "Let's go!" the bank credits to the borrower's current account. Depending on the purpose of use, money can be received in cash or transferred to a card.

Repayment methods

Credit Let's Go! need to be repaid on schedule. The payment date coincides with the date of the loan, if the loan is issued before the 25th. If the loan is issued later, the bank sets the maturity date - the 25th day of each month.

To pay off the loan, you can use any of the proposed methods. When paying off, it is necessary to take into account the size of the transfer fee and the term for crediting funds.

No commission

Free payment methods for the loan are collected in the table:

On the site Let's go! you can replenish your account or card by transferring from a card of another bank.

With commission

Payment methods with commission are summarized in the table:

The editorial staff of the "Bankonomics" website recommends that you specify the amount in the Internet bank or at a branch before each payment. Let's go! This must be done for declining rate loans and overdraft loans. According to the program "Let's go!" monthly payment is calculated according to a differentiated scheme and its size changes every month. For loans “Simple solution” and “For youth”, the interest rate depends on the way the funds are used.

Insurance

Bank Let's go! invites borrowers to issue a voluntary insurance program"Protection of life and health". This service relieves the client from the need to repay the loan when insured event... In the event of death, the borrower's relatives will not be obliged to pay the balance of the debt to the bank.

The client makes the decision on insurance himself. Employee Let's go! can only recommend this service, but has no right to impose it. Sometimes the loan officer after the interview may suggest taking out a policy to increase the chances of approval. The presence of insurance does not affect the amount of the interest rate. Within 5 days, the insurance contract can be terminated and the full amount of the premium can be returned.

Consumer loans from the Bank Let's go! convenient in that they are issued with only two documents. Let's go! suitable for those who need large sum cash. Loans "Simple Solution" and "For Youth" are beneficial for cashless payment purchases over 30,000 rubles. In different regions, the list of lending programs and their conditions are different.

The current Russian realities are such that the number of offers from countless credit and financial organizations have already flooded the information space. banking... One of these is the bank "Let's go", which is part of the financial association "Life". He specializes in lending to individuals and has a considerable number of offices throughout the country. In our article, we will consider how an online application for a cash loan at the Let's Go Bank is completed.

In addition, we will touch on other points that potential clients of the organization are interested in.

Working strategy of the bank "Let's go" does not contain any tendencies limiting clients in obtaining a loan. The institution provides loans for any purpose. You can apply for a short-term loan - as they say, "to payday", and a long-term loan to solve some more significant problems.

The bank has developed several loan programs for its audience, which we will talk about later.

A person who applies to “Let's go” can get a loan for the realization of the following goals:

• ensuring your vacation;
• payment for the educational process - both your own and your children;
• purchase of household appliances or furniture;
• home renovation;
• other.

These are just specific examples. In reality, there can be many more reasons for a loan.

To cover the requests of the majority of potential borrowers, the bank works in two main areas of lending:

• microcredits - less than RUB 30,000 for a short term;
• full-fledged loan - 30,000 - 250,000 rubles for a long period and with a different interest calculation plan (in comparison with the microloan plan).

Registration involves the provision of a small package of documents.

Requirements

What does a borrower need for a loan to be approved? Here is a list of requirements:

• permanent registration in the constituent entity of the Russian Federation where the bank is present;
• Russian citizenship;
• age from 22 to 75 years old (last limit - at the time of loan repayment);
• official employment;
• work experience - from one year (and not less than three months at the place of current employment).

In total, to get a loan from the Let's Go bank, you need to be at least an adult or a pensioner, as well as working on an official basis.

The decision on the application is made within 24 hours.

Credit offers

Credit programs of the described banking organization are developing in different directions. These are mortgages, car loans, credit cards. However, cash consumer loans are in the greatest demand.

TOP credit offers from JSC CB "Let's go":

• “Further - less”;
• "A simple solution";
• "Credit Sale".

For more details on the listed items.

Further - less

The special nuance of this proposal is - decrease in interest rate... Its size is determined individually by the loan agreement. Since this is a very tasty bonus, it is active as long as the borrower meets the repayment terms. As part of this program, a person receives:

• 100,000 - 250,000 rubles;
• loan period up to six years;
• personal rate.

Note 1. Individual rate conditions: 40% from the first to the sixth payments, a 12-point reduction from the seventh payment (the minimum threshold is 20%).

Important! The lowering of the interest level occurs only in the absence of delays in the payment of the loan.

Note 2. If the borrower does not meet the repayment schedule, the interest rate rises by 2% and will remain so until the loan is closed. Also, if the number of days for one delay exceeds seven, and the total delay under one agreement is more than 30 days, the rate reduction becomes impossible.

Penalties: penalty interest - about 0.055%.

A simple solution

This program also has its own peculiarity: non-revolving loan funds.

The client receives a credit card with a fixed limit. Credit offer gives:

• 30 000 – 250 000;
• the term of the agreement depending on the loan amount (up to 100,000 rubles - 1 - 5 years, up to 250,000 - 2 - 5 years);
• interest rate calculated based on the method of application credit funds and client status.

Table 1. When limited to 100,000.

Table 2. When the limit is over 100,000.

Delay penalty- interest in the amount of 20% per year.

Credit sale

Characteristics of this lending offer:

• 77 000 – 99 000;
• period - six months;
• rate - 23%.

The loan is transferred to a credit account opened by the bank. Coverage is made by annuity payments.

Note 3. Annuity payment- a loan payment made every month, the amount of which is constant over the entire crediting distance.

Submission and execution of the application

Now let's talk about the procedure for obtaining a loan.

How to submit?

A loan application is carried out in two ways:

• visiting a bank branch;
• online - on the official website of the institution.

In the situation with contacting the office, everything is already clear: there a bank employee will plead for the client.

But the option with an online application is a different story. He is good simplified procedure actions and time savings. Therefore, we will describe it separately.

How to apply online?

Algorithm to be implemented by the client:

If the loan is approved, the citizen will be invited to the branch of the organization in order to finalize the contract and issue a loan.

Repayment

You can pay off the loan using the following methods:

• through bank offices;
• through payment terminals of the bank “Let's go”;
• transfers through other financial institutions;
• using a special payment form on the bank's website.

The last method involves opening the “Make a payment” tab and filling out the form. A credit number (credit card number) is entered in it. Can use cards payment systems Visa, MasterCard, WORLD.

The option "Make a payment" on the main page of the bank's website "Let's go"

Advantages and disadvantages

Advantages proposals from JSC KB "Let's go":

• no restrictions on the choice of a particular loan;
• the absence of any infringements of pensioners in the issue of providing a loan;
• the ability to get a short-term loan at low interest rates;
• registration of mortgages and car loans;
• minimum required documentation;
• there is no need to prove solvency;
• fast consideration of applications.

disadvantages: limitation maximum amount 250,000 rubles. It also makes no sense to contact this bank those persons who have bad credit history.

Conclusion

Before making your choice and deciding on a loan, carefully study the terms of the offers. This is a guarantee of preventing uncomfortable situations when circumstances are discovered, information about which the client overlooked in the contract.

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