The easiest way is if you work for at least six months at your current job and earn at least 15,000 rubles. But what if you lost your job or are unofficially registered, and you have income, but you can’t confirm it? All that remains is to look for options where you can get a loan without 2-personal income tax and guarantors. We have collected 7 banks that issue loans without income certificates.

Where to get a loan without proof of income

A private investor applies for loans using a passport without 2-NDFL certificates from his own funds, almost without refusal. Broker— helps in obtaining loans from banks and other credit institutions with a 90% guarantee of money issuance. No prepayment.

Promsvyazbank, Tinkoff, Gazenergobank, MKB and Vostochny issue loans not only without certificates, but also using only a passport. In addition, Promsvyazbank and Renaissance have the most favorable interest rates. With a bad credit rating, it is best to contact Vostochny or Renaissance - there are only 10% of refusals, and with a good one, go to MKB and Home Credit, where they can now offer from 7.9% -9.9%. Preferential conditions for pensioners are guaranteed by Vostochny, and for pensioners - by Tinkoff Bank and MKB, which issue cash from the age of 18.

Help in receiving from Msk-Money

• Amount: From 20 thousand rubles to 2 million;
• Term: From 1 to 20 years;
• Interest rate: From 12% per year;
• Age: from 18 years old;
• Documents: passport.

If you have difficulties obtaining a loan from a bank, for example, you cannot provide a certificate of employment, without official employment, or a less than ideal CI, then contact Msk-money. They help you get almost 100% guaranteed money from banks and other organizations, prepare documents for you and select companies where you will receive the financial assistance you need without refusal.

With bad credit history in Vostochny

• Amount: From 25 thousand rubles to 3 million;
• Duration: From 13 to 240 months;
• Interest rate: From 9.9% per year;
• Age: 21-75 years;
• Documents: passport.

In general, without proof of income, it does not require any certificates or additional documents from you, it is issued only with a Russian passport.

Only with a passport to Gazenergobank

• Amount: Up to 1.3 million rubles;
• Duration: Up to 5 years;
• Interest rate: From 11.9%;
• Age: 23-70 years;
• Documents: passport.

The most important point: without a certificate of income, Gazenergobank is ready to offer you only 180,000 rubles. A large amount - only with proof of income. You must also have at least 3 months of experience in your current job. Plus, pensioners up to 70 years old can get a loan.

Almost without refusal at Renaissance Credit

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

One of the most loyal banks, issuing loans without certificates or guarantors, even to clients with a bad credit history. You will need two documents. But you can only count on a minimum percentage of 9.9% with a 2-NDFL certificate; for others, the rate will be higher - it is determined individually by the bank.

At a low interest rate in Home Credit

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

Standard conditions for Homecredit are a rate of 7.9% per year for an amount of up to 200,000-300,000 rubles. At the same time, up to 200-300 thousand they will not even require a certificate of income, only a Russian passport. Above - you already need confirmation of income in form 2-NDFL, in the form of a bank or in other ways. In any case, loans are issued only to those with a good credit history; those with arrears are not worth trying. Online decision on your application in 1 minute!

Where to get a loan without income if banks refuse

If banks have refused you a loan because you have open arrears, or less than 3 months of experience, you cannot confirm your income in any way, have a damaged credit history, or you are only 18-19 years old, then there is only one option left - to apply for express loan from microfinance organizations. Any microfinance organizations have high interest rates of up to 350% per annum and higher (1% per day), but if you need money urgently, then they will give it without refusal and proof of income simply by showing your passport.

1. — up to 30,000 per month with a rate of 0.63% per day on a passport;
2. - up to 1%. Loans online to a bank card. Up to 30,000;
3. - from 18 years old, up to 25,000 at 1% per day on a card and in cash;
4. — up to 100,000 per card on the day of application. Rate 1% per day;
5. - up to 99500 per card. High probability of approval. From 0.27%.

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Vladimir asks

Hello! I just finished my studies at a higher education institution. Need money. However, friends assure that taking out a loan without work experience and without a certain length of service is unrealistic.

Is it so? Maybe there are some borrowing options? I really need money.

Vladimir, you are not the first to ask about the possibility of taking out a loan without work experience and without a certain length of service.

Not all banking organizations provide lending in this case. But I dare to assure you that today there are still credit structures that provide funds to this category of citizens, but on more stringent conditions.

Here are some options:

Lending with a maximum interest rate and a minimum amount of money. This could be a consumer loan with an interest rate of 20%-30%. So the banking structure in this case takes risks, and therefore inflates rates.

This also explains the minimum loan amounts. However, if your credit reputation is impeccable, then you can count on a larger loan (you can check your history).

Express borrowing. This type of banking credit service allows you to obtain a loan without work experience and without a certain length of service. Registration is taking place. Moreover, you will need to have a passport and another document with you - a driver’s license or international passport, telephone numbers of people who can give you a positive reference. The loan amount, however, will be insignificant, and the annual interest rates will be impressive;

Online lending. Interest rates are very high, but this borrowing is in wide demand among the population, especially among those who do not have work experience. A potential borrower fills out an online application on the banking website, and then the manager of the banking organization contacts you and discusses the terms of the loan. You can also use a similar service on our website. The amount of money will also be insignificant, and the loan period will be short. However, the registration procedure is very fast and convenient for the client;

Loans with collateral. This type of lending for you, Vladimir, may be the best option. This loan can be obtained for various needs with minimal interest rates, since the banking risk here is insignificant, and banking structures are willing to lend to a potential client.

Currently, Vladimir, you can choose the best borrowing option for yourself, even without working experience, and get the required amount of money. However, act wisely so as not to get bogged down in credit debts.

The first is the type of loan program with all the ensuing characteristics, such as: amount, term, interest rate. Surely you have noticed that in the column “Requirements for the borrower”, which is on the website, in the office and on the booklets of any lender, there is such an item as length of service.

For regular consumer loans, the work experience requirements are not too complicated - to take out a small loan, 3 months of work experience will be sufficient. For large loans over 500 thousand, as a rule, you need at least 6 months of experience.

In this context, it means the length of service at the last place of work, but there is also a limitation on the total experience: banks allow persons with little current experience to apply, but they must have at least a year of work under their belt in total.

The second important point is the influence of experience on the decision to issue a loan. It goes without saying that many years of experience at the same place of work indicates the stability of the borrower.

If a person has only recently gotten a job, there is no guarantee that he will continue to work and receive a regular salary: it is likely that he will not pass the probationary period or will not suit the employer.

It is also worth noting that with little experience, the loan term will not be long: this is a direct dependence.

Loan with increased interest rate and amount limit

If we compare the provision of loans to those citizens who are able to confirm the fact of their employment with those who have no work experience at the time of applying for the loan, the difference in the conditions for providing credit funds will be significant. If for the first category consumer loan programs are offered with an interest rate of 14% per annum, then in the absence of work experience the lowest rate will be 20-25% per annum. Banks explain this by saying that when lending to the unemployed, they take big risks and factor these risks into the interest rate. This is also due to the limitation of the possible loan amount. If for an officially employed person the maximum loan amount is limited only by income, a loan without work experience will be issued in a very small amount - usually no more than 250 thousand rubles, and then only if you have a “clean” credit history. By the way, you can rest assured that all the data you provide will be more than thoroughly checked. It will be a positive thing for you if you have already taken out a loan with this bank and paid it off successfully. Be that as it may, in addition to the standard check, also prepare for an interview with a loan officer about your lending goals and how you intend to repay the loan.

Today, even the majority of large domestic banks, which do not actually suffer from a shortage of borrowers, are ready to issue loans to persons without work experience. Only such loans are issued with a very increased interest rate and, most often, with a limit on the loan amount, and also take a long time to be considered.

For example, consumer loans to borrowers with work experience on average across the country are offered at rates of 16-20% per annum. Without experience, borrowers can expect rates of 20-30% or even higher, depending on the amount and terms of the loan.

Banks justify such high loan rates by the inflated risks they take on by lending to borrowers without work experience. For the same purposes, the loan amounts issued to this category of clients, who should not count on large loans, are also limited.

But it is worth noting that these restrictions for most banks do not apply to persons who have a positive credit history.

Those who take out a loan from this bank for the first time and do not have work experience need to be prepared for many situations. Typically, the bank's security service checks such clients much more carefully than others.

Often, borrowers without work experience, before the final decision to issue a loan, are asked to undergo an interview, during which the client must positively establish himself: talk about the purposes of the loan (they should not be dubious), prove his solvency, etc.

How is experience checked?

The only document that officially confirms work experience is a certificate from the place of work. We remind you that it is not required for all loans.

You can easily get a consumer loan of up to 200 thousand without certificates. For large amounts, certificates can be replaced by alternative methods of confirming solvency, which we described in our articles.

Express lending

The interest rates for online lending are also incredibly high. These types of loans are extremely popular these days and are a real panacea for those who have no work experience or who cannot confirm their income.

The essence of online loans is that the borrower must fill out the appropriate online form on the bank’s website or a questionnaire that is sent to the credit institution’s email address.

Such credit lines do not provide for large loans, and banks prefer to issue them for a short period of time. But the loans themselves are processed in the shortest possible time - from several hours to a couple of days, and if the decision is positive, the borrower can quickly receive cash in hand.

On the other hand, often for such loans, in case of late repayment, high fines are provided, so it is better to take online loans only in the most extreme or hopeless situations.

We have already mentioned that applying for a loan with little experience is equivalent to receiving a loan without work, so the list of organizations where you can apply will be identical.

To get a loan from the listed banks without experience, you need to indicate in the loan application the minimum allowable amount - 3 months. Since, due to your low level of work experience, the lender will have doubts about your solvency, try to divert attention with other parameters that indicate financial solvency (the method of bypassing the parameters of the automatic scoring system is described in this article).

If you fail to get approval from the bank, pay attention to loans from microfinance organizations (the same loans, but with fewer requirements and a high probability of approval).

Loans secured by property

But the ideal option for getting a loan for an unemployed person would be a secured loan. These loans can be issued for any purpose, are usually characterized by standard lending rates corresponding to the purpose of the loan (mortgage, car loan), without increasing interest rates and are offered in the vast majority of banks, the risk of which in collateral lending is minimal.

The essence of secured loans comes down to the fact that, without work experience, borrowers must leave their personal property to the bank as collateral. Clients can leave their movable or immovable property (transport, apartment, house, etc.), gold or securities as collateral.

Another advantage of these loans is that there are no restrictions on their amount, the amount of which depends on the value of the property left as collateral.

But leaving his property as collateral, the borrower must understand perfectly well that in case of non-payment of the loan, in addition to imposing fines, his property will be confiscated by the bank to repay the loan.

That's why, if you don't have work experience and are going to take out a loan, carefully weigh the pros and cons and decide whether your goals are really that important and urgent? Today, taking out such a loan is not so difficult.

However, given the peculiarities of such loans, the main thing is not to overestimate your capabilities: after all, the rates on such loans are in most cases too high, as well as fines for non-payment, and if you subsequently find yourself insolvent, you can get into a large debt hole.

An employed person usually already has money, but if you have lost your job and you need cash to survive until your salary at a new one or in the process of looking for one, then there are not many banks left that will issue cash to such borrowers. But some banks and most microfinance organizations issue loans to the unemployed without any certificates or guarantors. But you shouldn't count on it.

Which banks issue loans without official work?

Among the banks, Sovcombank and Vostochny are most willing to give loans to the unemployed; from MFOs, LotFinance or Dengi Immediately. The lowest percentage is in Vostochny, Touchbank and Home Credit, and in MFOs - Money immediately (free for the first 5 days).

Sovcombank - Credit Doctor without CI

• Amount: From 4999 to 60,000 rubles;
• Duration: from 3 months to 1.5 years;
• Interest rate: From 21.5%;
• Age: from 21 years old;
• Documents: according to your passport.

Sovcombank program " Credit doctor"is designed for people with incomes, including the unemployed, who are rejected by other banks. 4 stage program - 4 different loans, each time the amount is larger and your CI is better. Starts at 33.3% per annum, the latest loan can be obtained at 21.5%. In the end, you can be guaranteed to take out a loan from Sovcombank at already more favorable rates from 12%.

Touchbank - cash or credit limit

• Amount: From 10,000 to 1 million;
• Duration: From six months to 5 years;
• Interest rate: From 12.9%;
• Age: 21-65 years;
• Documents: your passport.

Touch Bank, a subsidiary of OTP Bank, issues both cash loans and one online application sent from their website. It works like this: you are approved for a certain amount, and you decide how to divide it between the card’s credit limit (up to 61 days) and cash, which you can withdraw for free at any ATM. The card is issued based on your passport; people without work or official employment are less willing to do so, but there is about an 80% chance of success.

Home Credit - low interest from 7.9%

• Amount: From 10 to 850 thousand rubles;
• Term: From 1 to 7 years;
• Interest rate: From 7.9%;
• Age: 22-64 years;
• Documents: 2 documents.

Not the most loyal bank, it doesn’t really like clients who don’t have an official job, but since they don’t require a certificate of income, you can try contacting it - the low interest rate of 7.9% is worth it, and in MFOs for express loans at 1 %-2% you will always have time to go. But here it is important to make a favorable impression.

Vostochny - issuing loans without work and certificates

• Amount: From 25 thousand rubles to 500,000;
• Duration: From 13 to 240 months;
• Interest rate: From 9.9% per year;
• Age: from 23 years old;
• Documents: passport.

Turboloan - instant approval in 5 minutes

• Amount: From 3000 to 15000
• Term: From 7 to 30 days
• Interest rate: 1% per day
• Age: 21-65 years
• Set of documents: without documents up to 8000.

One of the most popular microfinance organizations with automatic data verification and decision on the application. Since people don’t look at the application, you can get it 24 hours a day, even at night, even on a holiday. There is no need to wait, you will receive a solution instantly online, even if you are unemployed, and after another 10 minutes the money will be transferred to the card, Yandex money or Qiwi wallet of your choice.

LotFinance - 100% without refusal even for the unemployed

• Amount: From 1000 to 100,000 rubles.
• Duration: 30 days
• Interest rate: 0.5% per day
• Age: 18-80 years
• Set of documents: passport.

The main feature of this MFO is 100% approval of your loan application. Anyone, even those unemployed from 18 to 80 years old, can get money here at just 0.5% per day - a record low rate for MFOs. The disadvantage is that participation in the program costs 2950 rubles. But you will have to pay once, and then apply for money as much as you need. And 0.5% will pay off the payment if you take at least 15,000 for a week.

Your money - microloans from 18 years old with a passport

• Amount: From 1000 to 25,000
• Term: From 1 to 30 days
• Interest rate: 1% per day
• Age: from 18 years old
• Set of documents: passport only.

This company has a relatively low interest rate for a microfinance organization of 1.5% per day. But you can find out exactly how much you will have to pay on the website by calculating on - it depends on the loan amount, term and whether you are a new client or the first time asking for help. You can get it with a passport, and without work from the age of 18.

Money immediately - first 5 days without interest

• Amount: From 1000 to 30,000 rubles
• Term: 16 days + prologation
• Interest rate: From 0% per day
• Age: over 18 years old
• Set of documents: according to the passport.

They issue loans in cash at their offices; online issuance by card or other methods is not provided. But people over 18, unemployed, and up to 75 can receive money. The most important advantage is that the first five days are interest-free, meaning you will return the same amount as you borrowed.

GlavFinance - even without work 1% per day

• Amount: From 1000 to 30,000
• Duration: Up to 14 days
• Interest rate: 1% per day
• Age: 21-60 years.
• Set of documents: your passport.

Fixed interest rate of 1% per day without additional fees - it’s easy to calculate how much you will overpay for the amount you borrow. The percentage is high, so you should only apply if you really need the money right now. The first time you can get no more than 15,000 rubles. They only issue microloans, but from the age of 21, not from 18, but even in the absence of work.

How to increase your likelihood of approval

If you do not have an official job, but have some other income that you can at least somehow confirm or at least declare, use it. Bring child support certificates, bank statements, lease agreements if you are renting an apartment, and anything else you can find.

Consider the option of getting either - this will reduce the likelihood of refusal, or invite a reliable guarantor who will guarantee that you will be able to pay the debt on time.

Will they give you a loan if you are only 18 years old?

At 18, you don’t have to think much about work; you spend all your time studying, but you may need money. Unfortunately, banks usually issue loans only from 21-23 years of age, but at Sovcombank you can take cash from 20 or 18 under the Credit Fitness program, and from a credit card or consumer. loan from 18 years of age without work.

What percentage should you expect?

No one will offer you a minimum interest rate, so you should expect approximately 20%-50% per annum in banks and 1% per day if you decide to contact a microfinance organization. Exception LotFinance - 0.5% per day.

Paradox: the unemployed have higher rates than the officially employed. But banks are actually more willing to give money to those who already have it.

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Many banks include in the list of requirements for the borrower that the borrower has a certain work experience. If we are talking about a credit card or a small consumer loan, then 3 months of continuous work is usually enough.

If it is necessary to obtain a large loan, a potential lender often wants to see the last entry in the work book lasting at least 6 months, or even a year.

At the same time, in order to attract more clients, some credit institutions provide the opportunity to take out a loan without work experience. The only question is to what extent the conditions will be beneficial for the borrower.

Conditions for providing a loan without experience

Almost any adult who has no problems with the law can apply for a loan today. The easiest way is to take out a loan. They are the most loyal to borrowers and are ready to lend even to students, people without work experience, etc.

You can get money by presenting only your passport. But the terms of such lending are not very attractive. The average interest rate is 2% per day and a maximum of RUB 30,000. As a result, the borrower needs to repay the lender in a short time, overpaying a considerable amount of interest.

Not every bank can get a cash loan without work experience. The spread of interest rates is large: from 19% to 30% and above. The maximum period is on average from 6 months to 3 years. Some banks declare a much longer period, but, as a rule, to obtain such a loan you must meet high requirements.

More articles on the topic:

Often, during the initial consultation, the client is not told the final interest rate. Bank specialists determine it after analyzing the provided documents and additional information.

Each financial institution calculates a customer's creditworthiness differently. The following indicators can be identified that will contribute to obtaining a loan even without official work experience:

• Age. Most banks provide loans from the age of 21; it is especially difficult for younger borrowers to get a loan.
• Having a positive credit history. This parameter can very often play a decisive role.
• Active use of other bank products (deposits, debit cards, etc.).
• Providing a guarantee from a solvent individual.

It is much easier to get a loan if you provide the bank with collateral. Oddly enough, getting a cash loan secured by your own real estate or taking money to purchase it can be easier than a regular consumer loan.

An alternative to a cash loan can be. Typically, banks present fewer requirements to potential credit card holders, however, without a work history and income certificate, you should not immediately count on a large credit limit.

But if the client has been actively using the card for several months and repays the current debt on time, then he can contact the bank to increase the credit limit.

Where to get a cash loan without experience

Below are some banks where you can get a loan without work experience:

Bank	Amount of credit	Interest rate	Loan term, months	Special conditions
Russian standard	30000-299000	up to 29.84	12-36	The rate is determined individually. In addition to your passport, you must present an additional document
Home loan	30000-50000	19,99	12-60	In addition to your passport, you must present an additional document. More favorable conditions for existing bank clients
Credit Bank of Moscow	500000-2000000	up to 29.5	6-180	After the loan is issued, you can get a rate reduction
Primsotsbank	30000-200000	from 19.9	6-60	You can get a loan to pay off debt from another bank
Uralsib	50000-1000000	19-25	13-84	The bank offers more favorable conditions when concluding an insurance contract

The above list is not complete. The easiest way to find loans is in Moscow , since the capital has the largest number of credit institutions. At the same time, there are small local banks operating in the regions, which are ready to soften their requirements to increase customer flow.

In 2017, it is likely that new offers will appear on the market for clients who cannot confirm their employment with an entry in the work book.

Even if the bank declares the presentation of only a passport, it may request other documents that will attest to the financial situation of the borrower. As a rule, persons with a positive credit history, no current loan obligations, and who have previously taken out loans from this bank and successfully repaid them can count on the maximum amount.

Disadvantages of loans without work experience

The following disadvantages can be mentioned: increased interest rate and limited term. In addition, in order to receive funds you often have to incur additional costs, for example, issuing a life and health insurance contract.