The number of loans issued based on applications submitted remotely is growing day by day. After all, applying for a loan online means no queues, no collection of papers and certificates, plus significant time savings. We have collected the best banks where you can apply, quickly find out a decision and get a loan.

Which bank is better to apply for a loan online?

It is impossible to say unequivocally that it is best to take out a loan from one bank or another. In one, you can take out a loan in a shorter period of time, in the second, a minimum of documents is required to apply for a loan, and in the third, applications will be accepted even with a bad credit history.

Therefore, before submitting an online application, study the offers of the largest financial institutions. Choose the conditions that suit you, and then submit an application to one or more banks.

	Name	Rate, %	Amount, rub.	Apply now
		9,9	30 000 000	Design
	Alfa Bank	10,99	3 000 000	Design
	Raiffeisen	10,99	2 000 000	Design
	Renaissance Credit	11,3	700 000	Design
	OTP	11,5	1 000 000	Design
	Tinkoff	12,0	1 000 000	Design
	Sovcombank	12,0	100 000	Design
	Post Bank	12,9	1 000 000	Design

Sovcombank – 100 thousand rubles at 12%

One of the most customer-loyal organizations. Here you can get a loan up to 85 years old. Despite the fact that the organization positions itself as a bank for the elderly, citizens over 20 years of age can receive a loan. At Sovcombank you can get a loan without refusal, even with a bad history.

• maximum amount: 100,000 rubles;
• rate: 12% - 17%;
• loan terms: 1 year;
• acceptable age: 20 - 85 years;
• required documents: 2 documents and certificate 2-NDFL;
• approval time: from several hours to 5 days.

AlfaBank – up to 4,000,000 per day of application

One of the largest banks in the Russian Federation offers low interest rates, but unlike other institutions you will need a certificate to confirm your income. The rate for each client is determined individually. The minimum interest can be obtained only if the amount of borrowed funds is from 700,000 rubles. For loans up to 250 thousand, the rate may increase to 23.9%.

• maximum amount: 3 million rubles, up to 4,000,000 can only be received by salary clients;
• rate: from 11.99%;
• loan terms: from 6 months;
• age: from 20 years;
• required documents: passport and certificate confirming income of 10,000 rubles per month;
• An online request can be processed within a few hours; however, a response is often received within 24 hours.

Raiffeisen – up to 2 million with an interest rate of 10.99%

This offer is offered to individuals only. Individual entrepreneurs who want to receive finance from Raiffeisen must choose a different offer. Just like in AlfaBank, you need to confirm your income. You must have more than six months of work experience in your last position. Despite more severe conditions than at Sovcombank, it is possible to get a consumer loan of up to a million rubles. An application submitted remotely is considered faster than when submitted at a bank branch.

• maximum amount: 2,000,000 rubles;
• rate: from 10.99%. To receive such a rate, you must activate the financial service. protection;
• acceptable age: from 23 years to 70;
• necessary documents: certificates confirming work experience and income and an identity document (Russian passport);
• review time: 1 day.

Residents of Moscow must have an income of 25,000 and confirm it with a certificate. In other regions, the application will be considered with confirmed earnings of 15,000.

Tinkoff - up to 1,000,000 from the country's largest online bank

One of the few banks that allows you to take out a loan from the age of 18. The loan is issued not only to working people, but also to students and pensioners. Tinkoff accepts applications even from the unemployed, but the refusal rate in such cases is higher. The client can apply for money around the clock. Income certificates are not needed; the application is submitted using a passport, the details of which are indicated in the application form.

• maximum amount: 1,000,000;
• rate: 12 - 24.9%;
• loan terms: up to five years;
• required documents: passport of a Russian citizen;
• review period: from 1 hour.

Eastern – up to 30,000,000 on bail

If you have real estate as collateral, you can contact Vostochny Bank, which specializes in retail loans. Vostochny is among the TOP 40 banks in Russia in terms of the number of loans issued. Application for a loan in cash, secured and by transfer to a card is carried out quite quickly. The bank has loan products with lower amounts and higher interest rates. For example, in one hour you can receive borrowed funds up to 500,000 rubles at the “Seasonal” tariff at only 11.5%.

• maximum amount: up to 30 million;
• rate: from 9.9%;
• loan terms: 13 - 240 months;
• acceptable age: from 21 to 76 years;
• required documents: passport and documents confirming the ownership of the collateral.
• review time: from 15 minutes to 4 days;

OTP Bank – up to 1,000,000 without collateral

OTP offers clients flexible terms; loans are issued without collateral or guarantors. There are no mandatory insurance requirements and no commission for early repayment. However, there is a drawback: there is no official data on the maximum loan rate. Therefore, to receive it, you must submit an application using the bank’s form and wait for a response.

• maximum amount: 1 million rubles;
• rate: from 11.5%;
• loan terms: up to five years;
• acceptable age: over 21, under 68;
• required documents: passport, TIN (yours and your employer’s);
• review time: from 15 minutes.

When submitting an application for a loan the amount of which exceeds 200,000, you must provide a work record book. In this case, the length of service must exceed three months at the last job.

Post Bank - the decision is made in 1 minute

At PochtaBank, at the “First Postal” tariff, a loan is offered at a rate of 12.9% and you can borrow funds up to 1,000,000 rubles. This program is only available to trusted customers. If the applicant has a bad history, he tried to take out a loan, and the banks refused, then here too he will receive a refusal decision. When submitting an application online, the bank will announce a preliminary decision within one minute.

• maximum amount: 1,000,000 rubles;
• rate: 12.9 - 24.9%;
• loan terms: 12-60 months;
• acceptable age: over 18, under 70;
• required documents: SNILS and passport. Sometimes they ask for the employer's TIN.

Renaissance – up to 700,000 with work experience of 3 years or more

Online loan applications are accepted from all adult citizens of Russia. Loans are provided to regular customers on more favorable terms. However, almost everyone will be able to get a consumer loan by filling out a form in the bank. Here, just like in Vostochny, you can receive funds with minimal risk of refusal.

• maximum amount: 700,000 rubles;
• rate: 11.3% - 25.7%;
• loan terms: from 24 to 60 months;
• acceptable age: from 20 to 70 years (for bank clients), from 24 to 70 years (for others);
• required documents: passport plus a second document of your choice;
• review time: from 10 minutes.

How to apply online

To get a loan without visiting a bank, you must:

1. Go to the website of the desired bank.
2. Fill out the online application form and submit for review. It contains information about yourself.
3. The manager will check your data and call the phone number specified in the application form. You must answer the call and confirm the information.
4. Your request is then reviewed by the financial institution's staff. If a positive decision is made, the money is transferred to your details.

Some organizations invite you to pick up money at the cash desk of their branch in cash.

Advantages of online lending

The growing popularity of online lending is due to the advantages that this service attracts customers. Submitting an application without visiting the office has the following advantages:

• the application is sent remotely. Often there is no time to visit the office and stand in line;
• financial institutions treat customers who apply for a loan online better. In most cases, the procedure proceeds without certificates confirming income. Some organizations encourage online inquiries by reducing the interest rate;
• you don’t need to adjust your plans to the bank’s working hours. You can apply 24 hours a day;
• getting a loan through the website is convenient and fast. An online application has a shorter processing time than when visiting an office. Employees will provide an answer after a couple of hours;
• You can send a request to several institutions at once in a short time. After receiving positive answers, you can compare them and think about where to get a loan more profitable;
• Large banks have a “loan at home” service. You need to leave an application, and a bank employee will bring all the necessary documents to your home for signature;
• It is also possible to get a cash loan. The form is filled out in the same way. You just need to indicate the desired method of receiving money.

Considering these advantages, applying for a loan through a website is one of the best and most promising ways to draw up a loan agreement. Given the growing popularity of this segment, banking organizations are trying to simplify the application process, improve conditions and reduce the review period.

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The SprintKredit.ru portal team provides you with the “Online application for a loan to all banks” service. You receive significant benefits, including:

• Increases the likelihood of loan approval;
• It becomes possible to choose an option with a minimum bet;
• You save a lot of time and nerves;

Be prepared to record important data. Keep a notepad and pen handy. You will receive several loan offers from which you can choose the best according to all criteria.

FAQ

We have compiled a list of frequently asked questions and answers that will help you understand the basic working principle of the financial form.

Which banks will my application be sent to?

We work with more than 30 banks and microfinance organizations. Your online application will be automatically reviewed and sent to those credit institutions where your chances of getting a loan are highest and the interest rate is minimal. You'll likely receive several offers and be able to make your own decision.

Among the key partners of the SprintKredit.ru portal: , Asia-Pacific Bank, Gazenergobank, Credit Doctor, Urgent Money, Centrofinance, Money for the House, Car Money, Bystrodengi and other credit and microcredit organizations. The lowest rate among our partners is from 8.9% at Sovcombank.

When will I receive a loan decision?

The loan decision will not keep you waiting long; a notification will be sent to your phone within a few minutes.

When can I withdraw the money?

After your loan application is approved, you will be asked to come to the nearest bank office and fill out all the documents to receive the money. Many banks and microfinance organizations now send a loan or loan to your card, or send a courier with a bank card.

You can take out a loan in Moscow from a large bank with a long history or from a small institution. Money can be issued in cash or by crediting to. In 2020, more favorable interest rates in the first case. Individuals have the opportunity to independently select a program taking into account requirements, amounts and deadlines.

Consumer loans to individuals

In 2020, decisions are made quite quickly whether to approve or refuse to issue money. The most popular are ruble loans. They can be issued:

• on the day of application.

You can take out a consumer loan in Moscow for any purpose, and you can easily increase your chances of approval by choosing insurance and providing a certificate in the bank’s form.

Consumer loan rates in Moscow

They are selected individually taking into account:

1. the identity of the applicant;
2. places of work;
3. credit history;
4. availability of repayable loans from other banks.

Interest rates on consumer loans in Moscow can be reduced if you use. Large Moscow banks often accommodate customers who have previously issued credit cards. Interest rates also depend on the maturity of the debt. Basically they range from 6 months to 5 years.

Methods for applying for a loan: online or at a bank in Moscow

Most people prefer . It can be:

• fill out at any time of the day;
• send to several banks in Moscow at once;
• choose the best offer among institutions.

Which bank is better to take out a consumer loan?

Required It’s quite easy to find a loan in Moscow using our website. You can easily choose when you compare interest rates, terms and maximum limits. For convenience, it is provided. With its help, you can not only sort offers according to certain parameters, but also study the most current offers. A loan for consumer needs in Moscow is easy to obtain after completing an online loan application.

Some Russian banks allow citizens to take out loans without certificates confirming their level of solvency. This way they make funding programs available to a wider audience. Applications submitted online are processed very quickly, so borrowed funds can be withdrawn in record time.

Advantages and disadvantages

Simplified borrowing of money is something that is available to loyal consumers with a high level of payment discipline. Both well-known companies and young market representatives practice this type of cooperation to expand their customer base.

What are the main advantages of obtaining loans without certificates in Moscow:

• the possibility of obtaining financing for persons who, for various reasons, cannot document their income;
• conclusion of a transaction on the day of application;
• flexible terms for consideration of requests;
• no need to waste time collecting a large package of documents.

The downside is the slightly overpriced fee for using the product. This is natural, because with a superficial study of the profiles of applicants, financial institutions carry certain risks. In addition, either the financing period or the available amount may be reduced.

Without presenting certificates, you can borrow up to 300 thousand rubles. A larger amount of money is given to regular customers who have an ideal reputation, as well as to those who participate in the bank’s salary projects.

About the online application

A questionnaire allowing you to take out a loan without certificates is submitted remotely. What information is included in it:

• personal. Full name of the applicant, passport details, registration address, date and place of birth;
• about employment. The type of work, position, name and telephone number of the manager are indicated;
• financing characteristics. Amount required and acceptable period;
• method of receiving funds.

Those who cannot access the Internet often submit applications verbally by calling a call center. Within one business day, a representative of the financial organization contacts the applicant to clarify the terms of cooperation.

Receiving funds

How are loans issued?

• In cash at the bank office after signing the contract.
• On account. The money is transferred to a debit card or passbook. There is no transfer fee.
• To a credit card. In this situation, a certain limit is opened. Plastic is issued at the office or delivered by courier.

The use of such a service is advisable for persons with ideal payment discipline. This target audience can count on lucrative deals.

To choose the optimal program, it is recommended to go to the portal website. Our service will allow you to study and compare the characteristics of different current products in order to make the right choice. For those who do not want to spend too much effort and time searching, there is a “Offers of the Month” section. Once the decision is made, all you have to do is click the “Submit Application” button and fill out the form.