If you can't take profitable loan cash at a bank in Moscow at a low interest rate - it makes sense to try three more legal ways to get cash in Moscow:

• Applying for an express loan is a real way out if you need a small amount and you are ready for more high interest. Banks deliberately raise interest rates on loans, insuring themselves against a possible default on the part of an unscrupulous borrower;
• Go to a frequent lender - here the client bears all the risks. Often, such strict conditions and commissions are set for such loans that, in case of bad developments, you can lose all your property: it will go to repay the debt. The scheme is often used by scammers, although it may be lucky;
• Find out the current state of your own credit rating and CI. Here is a more detailed article on how to ;
• Apply to microfinance organizations in Moscow for a quick loan. Microloans in 2019 are faster and easier than trying to get a bank loan at a low interest rate for individuals. Already today you can get a loan directly via the Internet, without leaving your home, without certificates and guarantors, to your debit card, credit card or cash at the nearest office. Online loans are issued with almost no refusals, even if you have a bad credit history, but the interest rates on loans will be higher than in banks. Above is a list of current MFI offers that are licensed and registered in the registry.

Which banks give low interest loans? We have compiled for you a list of banks where you can get a loan with the lowest interest rate on the market. Banks from this list for obtaining a loan do not require a guarantee or collateral, with the exception of the offers "Loan secured by a car" and "Credit secured by real estate" (on the example of individual offers from Sovcombank). Descriptions of the conditions under each bank will help you find the most profitable loan.

For clients aged 20 or older or who need larger loan amounts, Sovcombank offers:

Or, if you are already 24 years old and have work experience in the last place for more than 3 months, you can apply for a free credit card at Renaissance Credit Bank with credit limit up to 200 thousand rubles 24.9% per annum And interest-free period of 55 days.

There is a 2.9% fee for withdrawing cash from a credit card.

Similarly, you can apply for a credit card at Raffeisen Bank with a credit limit of up to 600 thousand rubles, an interest-free period of 50 days and an interest rate of 29% per annum. Withdrawing cash from the card is free of charge.

If you are between 21 and 76 years old, you have been working for at least 12 months at your last job, you can apply for a cash loan at 16% 9.9% - 24.9% per annum at East Bank. Loan amount - from 25 thousand to 3 million rubles for a period of 1 to 5 years.

The bank also has a line of credit cards with a credit limit of up to 300 thousand rubles at 24% per annum and an interest-free period of up to 56 days.

The same requirements for the borrower apply to the Home Credit credit card, although here the bank may be more loyal. The limit on the card is up to 300 thousand rubles, the rate is from 29.9% per annum, the interest-free period is 51 days.

If you need an inexpensive cash loan from 50 thousand to 1.5 million rubles, pay attention to. The bank lends to fixed rate 11.9% per annum when applying for insurance, a loan without insurance is issued under 17.9% per annum.

Mandatory requirements of the bank: age from 23 years and experience at the current place of work from 3 months.

Also in Uralsib with the same rates, you can take a loan to repay other loans (refinancing). The Bank refinances loans up to 2 million rubles for up to 7 years. The borrower requirements are the same as above.

If you need a low interest loan refinancing loans in other banks, then in SKB-Bank you can take a special loan up to 1.3 million rubles at 19.9% ​​per annum.

UBRD also has a credit card "Maximum", the credit limit for it is up to 300 thousand rubles, the rate is 29-31% per annum, the term is 3 years, the interest-free period for purchases and cash withdrawals is up to 120 days. Persons 25-55 years old with a good credit history and working at least six months at the last place of work.

Alfa-Bank also has a profitable offer - and a credit limit from 500 thousand to 1 million rubles under 11.99% per annum or higher. The interest-free period is valid for cash withdrawals (up to 50 thousand rubles per month). The card is issued to persons over 18 years of age with an official place of work.

Card service is paid - from 1,190 to 6,990 rubles per year (depending on the size of the credit limit), cash withdrawal fee - 4.9-5.9%.

Or a Cash Back credit card, only with a credit limit of up to 700 thousand rubles with a rate of 25.99% per annum, but a 60-day interest-free period for purchases and cash withdrawals (but with a commission of 4.9%). The cost of servicing the card is 3,990 rubles per year. The map is popular with motorists, as it has cashback at gas stations 10%.

If you earn less than 50 thousand rubles per month, then you can contact Russian Standard Bank for:

In LOCKO-Bank you can get a consumer loan without insurance at a rate from 19.4% per annum(with insurance - from 13.9%), the loan amount should be from 500 thousand to 5 million rubles. The loan can be issued for up to 7 years.

In this case, the bank can issue a loan at a reduced rate up to 10.4% per annum, to do this, you will need to take out insurance, provide a car as collateral and make monthly payments no later than 10 days before the planned payment date.

You can get a loan from the ICB only residents of Moscow and Moscow region, its amount will be up to 3 million rubles, and for a period of up to 15 years. The rate for customers with a good credit history is 10.9% per annum, for clients without CI - an average of 17%. These rates are subject to insurance coverage.

From the documents you need only a passport and a second document to choose from. The borrower's income must be at least 15 thousand rubles per month.

The Asia-Pacific Bank (ATB) offers a consumer loan from 5 thousand to 3 million rubles for up to 5 years. The loan rate depends on its amount: 30-100 thousand rubles - from 9% per annum, from 5 thousand to 1 million rubles - 19.9-23.8%, from 1 to 3 million rubles - 19.9%.

At small amounts consumer credit ATB issues passport money, but the length of service at the current place of work must be at least 1 month, and the borrower himself must have a stable income.

The bank does not operate in many regions of the Russian Federation.

You can try to get a loan of 20-50 thousand rubles at MTS Bank, you should not count on an amount more with a problematic CI. There are chances if you fill out an online application with authorization through the State Services.

The loan term is up to 5 years, the average rate is 24.9% per annum. The age of the client must be 27-55 years old (younger or older - there is little chance), the presence of work with a current experience of 3 months or more. Of the documents you need a passport and a second document to choose from.

does not issue loans in Crimea, Dagestan, Ingushetia, Kabardino-Balkaria, Karachay-Cherkessia, North Ossetia, Stavropol Territory and Chechnya.

If you need a loan with a low rate without collateral and guarantors from 50 thousand to 3 million rubles, then we also recommend Svyaz-Bank. The interest rate at this bank is from 9.9% to 15.5% per annum with insurance, without insurance - from 11.9%. You can borrow money for a period of 6 months to 7 years.

Persons from 21 years of age with experience at the current place of work from 4 months can receive a loan, with a total experience of 1 year. You need a certificate of income and a copy of the labor or certificate from the place of work, as well as a home or work phone number.

Gazprombank also offers some of the lowest consumer loan rates: from 11.8% to 17.8% per annum with an amount of 50 thousand to 3 million rubles, for a period of up to 7 years. At the same time, salary customers can apply for a loan at 10.8% per annum. The rate on a loan without insurance is 17.8%, for payroll clients - 16.8%.

To get a loan from Gazprombank, the borrower must be at least 20 years old, have a work experience in the last place of 6 months (total experience of at least 1 year), and no negative credit history. The bank requires a certificate of income and a copy work book.

Conclusion

It should be noted that in most cases the requirements of banks to potential borrowers are not always final (the interest of banks on a loan depends on a number of factors). So banks can make concessions by offering the lowest interest rate on a loan, or vice versa, agree to issue a loan at a slightly higher rate - it depends on the client's credit history and the documents that he will provide to the bank. The more documents, the lower the interest rates on loans.

Recently, you can often find the smallest interest on loans in banks that are under the reorganization of the Central Bank. You can often get a loan from a bank in cash on very attractive terms.

We advise you to send loan applications to banks sequentially, starting with the most suitable for you in terms of conditions, and already upon receiving a response from the bank: move on to the next bank in search of a better offer or stop at the current offer and receive money.

When people urgently need money, they are primarily interested in where it is better to get a cash loan and do it with the most favorable conditions for myself.

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To do this, you can independently analyze the loan offers of dozens of banks and choose the most suitable option for yourself.

But in order to save time, many potential borrowers compare the reviews of those who have already used this or that banking offer and are able to objectively evaluate all the pros and cons of this service.

To begin with, we will study the advice of loan specialists, which will make it easier to take a loan, without unnecessary documents and at an attractive percentage. Of course, these recommendations will not be universal for everyone, but many should pay attention to the described nuances of obtaining a loan.

• If accrual wages happens to the account of a bank, then it is more expedient to apply for a loan there. Many banks provide preferential terms for members salary projects: They are offered loan options at lower interest rates. The second advantage of such a loan is the speed of paperwork. This is achieved due to the fact that credit specialists do not need to provide a certificate of income, and the client's solvency is checked against the existing base of wages paid. So, Sberbank offers participants in payroll projects very low interest rates - from 15.5% per annum. At such interest, you can even take consumer non-purpose loans. Read more.
• You should always look for promotional offers from banks, during which rates on loans can be reduced by several percent, although more requirements are placed on customers.

So, now many banks are actively practicing special program for the purchase of housing in new buildings. Interest on such loans is quite low - up to 10% per annum. Mortgage loans today it is more profitable to issue at Absolut Bank, ITB Bank and Baltika Bank.

If you need financing for the purchase of a new car, you can use a car loan at low interest rates under the government subsidy program. The terms and final rate on the loan will depend on whether the vehicle is used or new. vehicle the customer is going to buy. There are even car loans without a down payment.

When deciding where it is better to take a cash loan, it is also necessary to take into account the purpose of obtaining it and the conditions that the client is counting on:

• if a potential borrower brings a reliable guarantor with a stable place of work and a positive credit history, then you can apply for large amounts up to .;
• if the client can provide collateral, he will be offered the most attractive interest rates on the loan - from 11% per annum;
• if the borrower is a pensioner, many banks have special profitable offer for such clients.

Everyone needs to choose a bank where you can get a loan on their own, but it’s still worth paying attention to the recommendations of specialists in order to get a loan on more favorable terms

Bank Comparison

To choose the most suitable loan for yourself, you need not only to study the rating of banks with the lowest interest rates, but also to determine for yourself the term, loan amount, availability of guarantee and collateral. So, depending on the first two conditions, banks can offer different loan costs, and the presence of a reliable guarantor and collateral will allow you to take a loan cheaper in any financial institution.

Today they are very popular credit cards, with which you can pay for goods, withdraw cash from them and replenish your account again

Consumer loans are best taken from the following banks:

Sberbank of Russia	The interest rate here will be set at a rate of 15.5% per annum, provided that real estate acts as collateral. With such conditions, the client has the right to count on a loan of up to 10,000,000 rubles, which will have to be repaid within up to 20 years.
	It issues a loan "Fast", its cost is 17% per annum. The minimum loan amount must be more than 100,000 rubles, and the maximum should not exceed 1,000,000 rubles. Debt repayment period - from 6 months. up to 3 years, depending on the amount taken and the solvency of the client.
	Allows its customers to take out loans at a rate of 12% per year. The most advantageous offer of the bank is a loan product with a low interest rate "Money", but it is issued only for pensioners. Such a loan cannot be more than 100,000 rubles, and it must be repaid no later than 1 year in advance.
	Developed loan offers for its clients at rates from 16.9% per annum. The most advantageous offer on this line can be used by state employees. The maximum loan amount under such conditions is 1,500,000 rubles, and the repayment period is 60 months.

The question of which bank you can get the cheapest loan from is most often asked by thrifty clients who want to overpay as little as possible. Finding such offers is sometimes difficult, but still possible.

To get started, you can visit special sites for comparing such programs, for example, the Banki.ru portal. There you can find those companies that offer the most favorable interest rates and conditions for registration consumer loans in your locality

Please note that the minimum interest rate does not mean that this loan is the most profitable. The fact is that banks often hide additional commissions that the client has to pay.

And remember!!! Before taking out a loan, think 10 times and apply once once. If today you are offered a loan with a rate of over 17% - this is a clear robbery. Look for the best deals. They are there, you have to look for them. And do not forget to read this note before applying, it will help you not to make serious mistakes!

Bank	% per annum	Filing an application
Oriental is more likely	From 9.9%	Checkout
Renaissance Credit is the fastest	From 9.9%	Checkout
Home loan worth a try too	From 9.9%	Checkout
Alfa-bank credit card	0% for 60 days	Application
Svyaznoy: installment card Conscience credit card	from 10% per annum	Application
Home Credit: installment card Freedom credit card	from 12% per annum	Application
Sovcombank if everyone refused	From 12%	Checkout

How to apply?

In addition, the lower the rate, the greater the requirements for the client - for example, the presence of a permanent income, guarantors, collateral. So how do you get the best deal?

• to issue a loan under the guarantee of individuals, such an offer is available in almost every bank. The best deals are listed here;
• offer the bank real estate as collateral - then it will be possible to get a loan for the maximum long term and at a low rate of 14-15% per annum, details in this article;
• draw up an agreement on the security of your car - some offers are listed.

If you are not ready to provide banking organization additional security, then you should at least take care of issuing a certificate of income in the form of 2-NDFL, which can be obtained at your place of work. If you are officially employed, it will also not be superfluous to receive a certified copy of the work book, all these documents will help reduce%.

But if you want to receive money as quickly as possible, without issuing additional certificates, then in this case cheap loan you don’t have to count, your overpayment will be maximum. This applies mainly to express loans in outlets and shops.