Consumer loan– one of the most common ways to obtain finance to meet your needs. For example, such needs as purchasing household appliances, furniture, paying for education, home repairs and much more.

The average period for which a client can receive a loan is from 1 month to 7 years, inclusive. In most cases, funds are issued in cash, but sometimes they are also credited to the client’s card. Many banks for obtaining a consumer loan up to 300,000 rubles require only one document - a passport. Financial institutions usually do not require other additional information. Those wishing to borrow an amount in excess of this limit must provide proof of their financial solvency to pay the debt (certificate of income) or leave their property as collateral.

Many financial organizations issue consumer loans in the amount of 100 thousand - 1 million rubles. Some banks provide a small loan of 5 thousand rubles, while other banks can provide a loan of up to 30 million rubles.

Our editors have collected the best offers for consumer loans currently existing on the Russian market in the table below.

Application to all banks at once

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What to do if you are denied a consumer loan?

There are cases when financial institutions refuse to provide a loan. Don't despair. There are 3 additional ways to get this service in Russia:

• You can improve your credit history;
• . The service is simple and fast. You can get a loan in cash at one of the company’s offices or to the user’s card using the official website. Refusals to provide a microloan are rare. In this case, the interest rate for debt repayment will exceed the bank rate;
• Submit a request for an express loan. This advice is suitable if you want to borrow a small amount of funds. Plus, the interest paid will also be inflated.

We lower the interest rate to a minimum

Reliability and reasonable responsibility of the borrower can help to obtain a lower interest rate. To acquire such a reputation in the eyes of employees of the bank’s financial department, it is necessary to provide a possible list of documents, including those indicating the client’s solvency. These include:

• Passport, international passport;
• Military ID;
• SNILS;
• Pensioner's ID;
• Medical policy;
• Assigned taxpayer code (TIN).

Information about permanent income and its size can be confirmed using a personal income tax certificate of the 2nd or 3rd form for the period from the last 3 to 6 months. In this case, the first option (2-NDFL) is more acceptable, since it indicates the constancy of financial income.

In addition, it is appropriate to enlist the support of one or more guarantors and provide information about the collateral.

Additional factors affecting the interest rate

The amount of repayment of a consumer loan is influenced by the following factors:

• Accrued interest;
• Additional commission fee (monthly or one-time);
• Repayment scheme.

You can find out the full list of items that make up the overpayment when repaying a consumer loan from the contract. At the same time, before formalizing the agreement, the bank employee is obliged to provide the client with a calculation of the amount to be paid. Sometimes more than half of the monthly payment goes to cover interest charges, resulting in the client overpaying.

Before signing the contract, carefully analyze the monthly payment scheme and the number of additional commissions.

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

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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 reviews of those who have already taken advantage of one or another banking offer and are able to objectively evaluate all the pros and cons of this service.

First, let's study the advice of credit specialists, which will make it easier to take out a loan, without unnecessary documents and at an attractive interest rate. Of course, these recommendations will not be universal for everyone, but many should pay attention to the described nuances of obtaining a loan.

• If wages are accrued to the account of any bank, then it is more advisable to apply for a loan there. Many banks provide preferential conditions for participants in salary projects: they are offered lending options with reduced 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 based on the existing base of paid wages. Thus, Sberbank offers participants in salary projects very low interest rates - from 15.5% per annum. Even consumer non-targeted loans can be taken out at such interest rates. Read more.
• You should always look for promotional offers from banks; during them, loan rates may be reduced by several percent, although more requirements are imposed on clients.

Thus, now many banks are actively practicing a special program for purchasing housing in new buildings. The interest on such loans is quite low - up to 10% per annum. Today it is more profitable to obtain mortgage loans from 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 through a government subsidy program. The terms and final rate of the loan will depend on whether the client intends to purchase a used or new vehicle. There are even car loans without a down payment.

When deciding where it is better to get a cash loan, you must also take into account the purpose of obtaining it and the conditions that the client expects:

• if a potential borrower brings a reliable guarantor with a stable job and a positive credit history, then you can apply for large amounts of 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 advantageous offers for such clients.

Everyone needs to choose a bank from which to get a loan, but it’s still worth paying attention to the recommendations of specialists in order to get a loan on more favorable terms.

Comparison of banks

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

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

It is best to take out consumer loans from the following banks:

Sberbank of Russia	The interest rate here will be set at 15.5% per annum, provided that real estate is used as collateral. With these 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.
	The loan is issued by "Bystry", its cost is 17% per annum. The minimum loan amount must be more than 100,000 rubles, and the maximum must not exceed 1,000,000 rubles. Debt repayment period is from 6 months. up to 3 years depending on the amount taken and the client’s solvency.
	Allows its clients to take out loans at an interest rate of 12% per year. The bank’s most advantageous offer is a loan product with a low interest rate “Cash”, but it is issued only for pensioners. Such a loan cannot exceed 100,000 rubles, and it must be repaid no later than 1 year.
	He has developed loan offers for his clients at rates starting from 16.9% per annum. State employees can take advantage of the best offer on this line. The maximum loan amount under such conditions is 1,500,000 rubles, and the repayment period is 60 months.

Today, as the situation in the country becomes more stable, citizens are gradually moving from the stage of “survival” (as was the case in the Soviet Union) to a more normal life. Young families are being created who want to live independently, separately from their parents. And in connection with this, there is a need to purchase their own housing, cars, and property. And in this case, there is a need for bank loans for all these and other needs.

But how to choose a more suitable credit institution, how not to overpay and have confidence that the conditions will be convenient and the bank will not present its hidden claims after signing the agreement? To do this, you should turn to loan market research to be sure of the reliability of the chosen company.

How to find a more profitable financial institution?

Let's start with the fact that a low-interest loan is not always the cheapest option. When you think about where to get the best cash loan, we should not forget that many companies, offering such conditions, often burden their clients with a large number of additional commissions, taxes and additional services offered. To find the most convenient offers, we recommend paying attention to the following factors.

What determines the loan interest rate?

There are several criteria that determine the interest rate of a loan. Let's look at them below.

· Number and size of previously unaccounted commissions. And the size of the commission will be smaller, the more such charges not taken into account in advance.

· Availability of additional services when obtaining a loan. This may include car insurance, home insurance, loans, retirement plans and more.

· The number of documents confirming the client’s identity, his living conditions, income, social status and the presence of what can be accepted as collateral (house, car, other real estate).

How to choose the most economical loan program?

When resolving the issue, where can you get the best loan, you should pay attention to the fact that there are several secrets to improving financing conditions, which we will consider below.

1. First, you need to find out in which financial institutions you already have deposits, plastic cards, or have already had loans before. As a rule, such companies are more willing to accommodate their already known clients and provide loans on more cost-effective and affordable terms. Very often, people who receive wages through a given financial institution, or those who already have a positive history of repaying loans, are given a lower interest fee than for new customers.

2. Very often there are seasonal discounts and various loan promotions dedicated to various public holidays, as well as to the company’s own anniversaries. Particular attention should be paid to such anniversaries in leading credit institutions, since their offers can be very profitable and affordable.

3. In the case when the client provides additional guarantees for the loan (various collaterals, surety guarantees of reliable citizens), then loans can be issued on more convenient terms.

4. It is important to provide as much additional documentary information about yourself as possible - a certificate of real salary; a copy from the work book; confirmation of ownership of property with collateral value; TIN document; documentary records from bank accounts and so on. All these documents will be of particular value when borrowing large amounts to reduce the amount of taxation.

5. In addition, it should be noted that for residents of large cities, especially such as Moscow and St. Petersburg, interest rates will be much lower and the amounts higher than for residents of the regions.

Where can I get the best cash loan?

Below we offer a short overview of credit institutions and their offers at the end of 2016. By studying the offers of various organizations, you can choose the most suitable conditions, payment period, interest rate and additional fees. Let's try to form a top ten list whose loan terms seem to us the most serious and reliable.

A creditor can be any citizen of the Russian Federation aged 20 to 85 years, who has been working in their last job for at least 4 months and has documentary evidence of their income.

2. The second one can be called "Post Bank". His offer is 16.9% per annum. The maximum amount is 1 million rubles, the funds must be returned within a period of up to 60 months. Quite an advantageous offer, especially since you can receive funds directly from home via the Internet.

But there is one feature that is important to know. Initially, when receiving a loan, the company sets a rate of about 19.9-29.5%. If the client returns the borrowed funds no earlier than after 12 months. without delays, the amount of interest deductions is recalculated to 16.9%. Thus, the likelihood of overdue debts is reduced, which will be very beneficial for both the company and the client. When receiving a loan, 3% is charged. Any citizen over 18 years of age can receive funds in this way. The only document required is a passport.

3. Third on our list is "VTB 24". Its interest rate ranges from 14 to 27%, and the more funds you borrow, the lower the interest. The loan limit is up to three million, the repayment period is up to 5 years. Citizens aged 21-70 can borrow funds. The minimum set of documents is a certificate of income and a work book with work experience of at least 12 months.

4. Fourth on our list is "Citibank". The loan is issued at 15-25%, the loan limit is from 50 thousand to 2 million. There is no need to make additional payments or commissions.

5. Takes fifth position "Metallinvestbank". Amount – up to 1 million, rate 18-19%, return period up to 60 months.

6. Sixth place – "Rosbank". Loan up to 3 million, repayment up to 5 years, interest 15-28%.

7. The seventh should Savings Bank of Russia. Amount up to 1.5 million rubles, 15.9-21.9%, for 60 months.

8. In eighth position "Bank Zenith" gives up to 1 million for 5 years at 16-23%.

9. Coming in ninth "Credit Europe Bank", he has up to 1.5 million rubles. also for 5 years at 18-19%.

10. Well, in last place - "UBiR". Up to 1 million rubles, long repayment period, rate 17-31%.

Which banks give loans with low interest rates? We have compiled for you a list of banks where you can take out 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 “Loan secured by real estate” (using the example of individual offers from Sovcombank). Descriptions of conditions under each bank will help you find the most profitable loan.

For clients over 20 years of age or who need larger loan amounts, Sovcombank offers:

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

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

Similarly, you can get a credit card from Raffiisen Bank with a credit limit of up to 600 thousand rubles, an interest-free period of 50 days and a rate 29% per annum. Cash withdrawal from card is free.

If you are between 21 and 76 years old and have worked for at least 12 months at your last job, you can get a cash loan at 16% 9.9% - 24.9% per annum at Vostochny Bank. The loan amount is 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 at a fixed rate 11.9% per annum when taking out 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 out a loan to pay off other loans (refinancing). The bank refinances loans up to 2 million rubles for a period of up to 7 years. The requirements for the borrower are similar to those listed above.

If you need a loan with a low rate for refinancing loans from other banks, then at SKB Bank you can take out a special loan of up to 1.3 million rubles at 19.9% ​​per annum.

UBRD also has a Maximum credit card, the credit limit on 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. Such a card can be obtained by persons 25-55 years old with a good credit history and working for at least six months at their last place of work.

Alfa-Bank also has an advantageous offer - and a credit limit from 500 thousand to 1 million rubles under 11.99% per annum or higher. An interest-free period applies to 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 servicing 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 on purchases and cash withdrawals (but with a commission of 4.9%). The cost of card maintenance is 3,990 rubles per year. The card is popular among motorists because 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:

At 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 a period of 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 scheduled payment date.

They can take out a loan from MKB only residents of Moscow and Moscow Region, its amount will be up to 3 million rubles, and the term will be 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 apply subject to insurance.

The only documents you need are a passport and a second document of your choice. The borrower's income must be at least 15 thousand rubles per month.

Asian-Pacific Bank (ATB) offers a consumer loan from 5 thousand to 3 million rubles for a period of 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%.

For small amounts of consumer credit, ATB issues money on passport 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 from MTS Bank; you shouldn’t count on more with a problematic credit card. There are chances if you fill out an online application with authorization through State Services.

The loan term is up to 5 years, the average rate is 24.9% per annum. The client's age must be 27-55 years (younger or older - there is little chance), have a job with a current work experience of at least 3 months. Documents you need are a passport and a second document of your choice.

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%. Money can be borrowed for a period from 6 months to 7 years.

Individuals over 21 years of age with 4 months of experience at their current place of work and a total of 1 year of experience can receive a loan. You need a certificate of income and a copy of your employment record or a certificate from your place of work, as well as your home or work telephone number.

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

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

Conclusion

It is worth noting that in most cases, banks’ requirements for potential borrowers are not always final (bank interest rates on loans depend on a number of factors). So banks can make concessions by offering the lowest interest rate on a loan or, conversely, agree to issue a loan at a slightly higher rate - this depends on the client’s credit history and the documents that he provides to the bank. The more documents, the lower the interest rates on loans.

Recently, you can often find the lowest interest rates on loans in banks undergoing reorganization by the Central Bank. You can often take out a cash loan from a bank on very attractive terms.

We advise you to send loan applications to banks sequentially, starting with the one most suitable for you in terms of conditions, and after 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.

Unfortunately, the economic situation in our country has left much to be desired for a long time. Every person has needs. But the means to satisfy them are not always available. That’s why many people decide to take out a loan. However, this is a serious decision. So people have to carefully look for a financial institution that offers the most favorable loan conditions. Only after comparing several options can you understand which one to take out a loan from.

Clear leader

This financial institution offers several Take, for example, consumer. It can be issued at Sberbank even without collateral. The maximum amount is 1,500,000 rubles, the rate is from 16.9%, and the term can reach five years.

More favorable conditions are offered to people for whom an individual can vouch. Then the possible loan amount increases to 3,000,000 rubles, and the interest rate starts at 13.9%. Only the deadline remains unchanged.

Many people, wondering which bank is best to take out a loan from, like to make preliminary calculations so that the potential benefits can also be seen. Well, we can give an example. A person with an income of 60,000 rubles per month, receiving a salary on a Sberbank card, has the opportunity to take about 640,000 rubles for two years. For him, the interest rate will be 13.9% per annum. Every month you will need to pay about 30,550 rubles, and the amount of overpayment will ultimately be 95,000 rubles.

"VTB 24"

When talking about which bank is best to take out a loan from, one cannot help but mention VTB-24. After all, this organization takes second place in the ratings.

"VTB-24" offers several "Large" - from 400,000 to 3,000,000 rubles, for a period of 37-60 months, with a rate of 15.9-17.9% per annum. “Fast” - from 100 tr. up to 3 million. The period within which you will have to meet when paying off the debt ranges from 6 to 36 months. And the last type is a “Convenient” loan. You can use it for an amount starting from 100 thousand rubles. up to RUR 399,999 Term - from 37 to 60 months, rate - 16.9 - 25%.

By the way, many people, wondering which bank is better to take out a mortgage loan from, are advised to contact VTB-24. This organization has truly excellent conditions. Let’s say a person wants to buy a 1-room apartment for 4,000,000 rubles. An initial payment of 1,200,000 will be required. The amount for people who want to buy such housing is usually escalating. In this case, VTB-24 offers to issue a mortgage for 10 years. If a person receives about 65,000 rubles per month, then the rate for him will be only 11.4% per annum. And you will need to pay 39,000 rubles/m.

RosselkhozBank

This financial organization is in third place in the ranking. Many, having studied in detail the question of which bank is best to take out a loan from, make a choice in favor of Rosselkhoz. This solution is especially beneficial for those people who participate in the “salary project” program of this organization. For them, the interest on a consumer loan without guarantee starts at 15.5% per annum. If a person wants to take 750,000 rubles (this is the maximum amount) for 36 months, with a monthly income of 60,000 rubles, then he will have to pay only 26,000 rubles/m, at a rate of 16.9% per annum. It is not surprising that many people choose Rosselkhoz if they have a question regarding which bank is better to take out a loan from.

In addition, there are favorable mortgage offers here. For housing in the Tsaritsyno residential complex, for example, the minimum annual rate is set at 7.5%. There are also military mortgages, loans for the purchase of real estate with government support and many other offers. You can even apply using two documents! Only for this you will have to make an initial payment of 40%. A person’s ability to immediately give away such an amount is verbal confirmation of his income. If he wants, say, to take 1,000,000 rubles for 36 months, then the rate for him will be 14.4% per annum. Only monthly income should be 60 thousand rubles. Because every 30 days you will have to pay 40 thousand rubles. as payment.

"Alfa Bank"

In many ratings that clearly demonstrate which bank is better to take out a cash loan, this organization is included in the top three. The conditions are favorable. The maximum amount is 2,000,000 rubles. Duration - from one year to five years. There are no fees, no guarantor is required, APR starts at 13.99%, and issuance decisions are made within a day. And early repayment is possible, which can be negotiated even over the phone.

Also, good mortgage conditions are offered to salary clients of this organization. If a person wants to buy an apartment on the secondary market, then he can be given funds for 5-25 years with an initial payment of 30% and execution of only one document. The rate will be 17.3% per annum. If you want to purchase a residential building, you will have to contribute 40% of the total amount.

"Gazprombank"

Many people assure that it is better to make a choice in favor of this organization, since the question has already arisen regarding which bank is better to take out a loan. Many call it one of the best.

If you take out a loan for a period of up to a year, the rate will be 13% with collateral and 14% without it. Do you need a loan for a longer period? If it varies from one to three years, then the annual rate will increase to 13.5% with security and to 14.5% if there is none. And on a loan for a period of 36-60 months you will have to pay 14% and 15%, respectively. By the way, for Gazprombank clients the rate is 0.5% lower.

OTP

This organization is also not in last place in the ranking of verified financial organizations. Moreover, many people recommend it if a person is interested in which bank is better to take out a consumer loan.

OTP loans are issued in cash and for any purpose. Let’s say a person needs to borrow 500,000 rubles. for a period of 24 months. He may be offered a rate of 14.9% per annum and a monthly payment of 24,220 rubles.

A mortgage in OTP is also profitable, especially for “our” clients. The maximum term is 30 years. For mortgages with state support, rates start at 11.2%. For new buildings - from 12%, as well as for finished housing.

By the way, many companies cooperate with OTP, and when purchasing at their centers you can get an installment plan or a loan. These are DNS, Svyaznoy, Euroset, Media Markt, Techno-Sila, MegaFon, 585, Elena Furs and many other popular brands.

"BinBank"

This is also a fairly well-known commercial financial organization. Many people often advise turning there if a person is interested in which bank is best to take out a profitable loan.

The minimum amount is 100,000 rubles, the maximum is a million. Terms can vary from 24 to 84 months. The rate starts at 16.5%, and the decision on issuance is made within three working days.

If a person is a client of BinBank, then he can be given 1,000,000 rubles at 16.5% per annum, while the monthly payment will be 26 thousand rubles.

You can also get a mortgage here. The minimum annual rate is 11.25%, the term is 5-25 years. The down payment should be 15%. The maximum loan amount is not limited, but the minimum is 600 tr. (Moscow) and 300 tr. (other regions). The decision is made within five days. By the way, it is still possible to partially reduce the loan, the amount of payment or early repayment.

"Yugra"

This is a joint-stock commercial organization. When talking about which bank is best to take out a loan from (the list of names, as one can already understand, is very wide), one cannot help but mention Ugra. It issues four types of consumer loans. There are “Friendly”, “For any purpose”, “Loyal” and “Pension”. The peculiarity of this bank is that there are no universal conditions - here an offer is individually selected for each client, in accordance with his income and capabilities. So to apply, you need to fill out an application first.

The same goes for mortgages. But there are some standards here. The down payment must be 20% of the total amount. The mortgage term is from three to thirty years. The minimum amount is 300,000 rubles, the maximum is 10,000,000 rubles.

"Avtotorgbank"

This limited liability company is also worth noting when talking about which bank is better to take out a loan from. The rating mainly shows popular names of financial organizations. Few people have heard of Avtotorgbank. But it offers favorable conditions for car loans.

This organization has many partners, including famous foreign manufacturers. The bank issues money for a car loan in euros, dollars and rubles. The minimum amount is 300,000 rubles, the maximum is 5 million. The period can vary from 6 to 60 months. The down payment must be at least 20% of the cost of the car. A deposit is not required, since the purchased car becomes the deposit (you will need to transfer the title to the bank for safekeeping).

If a person takes an amount for a period of 6 to 12 months, then the annual rate will be 18%. From 13 to 36 - 19%. And from 37 to 60 - 19.5%, respectively. Many people take out a loan in euros or dollars, since in any case, no matter what term the client chooses, the rate will be 15%. But in this case, there is also a risk, and it lies in the unpredictable exchange rate.

"Sovcombank"

This organization is also worth noting with attention, talking about which bank is better to take mostly positive things about it. After all, Sovcombank makes favorable offers to its clients. True, the services of this organization are suitable for those people who need small amounts. So, for example, 100,000 rubles can be issued at a bank at 12% per annum. The requirements for borrowers are low - Russian citizenship, age from 20 to 85 years, 4 months of work experience at the last job and permanent registration in the region (also at least 120 days).

There is a consumer loan “Standard” with a maximum amount of 200,000 rubles, “Superplus” (600,000 rubles), “Pension”, “Express” and even the so-called loan “For those responsible”, provided upon presentation of a passport and a higher education diploma .

What do clients say?

Finally, we can talk a little about what kind of reviews about the work of banks are left by people who have used their services.