10 Best Banks for Consumer Loan 2020

And it opens our rating of the best banks for a Tinkoff Bank consumer loan, which allows you to receive an amount from 50 thousand to 2 million rubles for a period of three years. The minimum rate is set at 12%. When studying the lender, the bank reserves the right to calculate the loan at a different percentage.But if you pay without a single delay, then at the end of the payments, Tinkoff will recalculate the interest to lower ones (up to the same 12%) and return the difference. A minimum rate of 12% is available without a deposit. If you provide a car as collateral, you can get 11%, and if you have an apartment, then all 9%. Naturally, with increased amounts and terms: 2 million and 5 years or 15 million and 15 years.

The checkout service is pleasing. The borrower is provided with a debit card without annual maintenance for the duration of the loan. To sign the contract and clarify some of the nuances, a Tinkoff bank manager may come to the borrower's home. He will also bring a card with credit money to the house and give it to the owner if the contract is concluded. By the way, it is Tinkoff consumer loans that rank first in customer reviews. But, oddly enough, at the same time, some borrowers scold the bank for imposed insurance, but it can be turned off during registration.

Rosbank is a fairly large bank with a good loan offer. Allows you to take a loan in the amount of 50 thousand to 3 million rubles for up to 5 years for ordinary customers and up to 7 years for payroll. The fixed rate is 10.99%, but when insurance is canceled, it rises to 16.99% for payroll clients and 17.99% for everyone else, which is not very profitable anymore. In general, this is a good loan product, which, if used correctly, becomes very profitable and cheap.

Interestingly, Rosbank allows you to receive up to 3 million rubles without a guarantee and collateral. You only need to provide a 2-personal income tax certificate for loans from 400 thousand rubles.Also, the documents do not specify the maximum age of the borrower, but this point should be clarified directly with the bank. You just need to have an income of 15 thousand rubles and be able to confirm it with the help of 2-personal income tax. In addition, you will need to provide a work book if the client decides to confirm income with any other certificate. In the reviews about Rosbank, customers respond warmly, which says a lot about the quality of service.

The bank is ready to provide the borrower with from 90 thousand to 2 million rubles, which can be repaid in 1-5 years. Premium customers can get from 250 thousand to 5 million. There is one caveat - a fixed rate of 10.99% is given only when you connect the financial protection program, otherwise - 16.99%. But there is no commission, as well as the need for collateral and guarantors. All you need is a passport, a certificate of income and a copy of the work book. By the way, even unofficial income can be confirmed.

I am glad that there is a delay in the first payment for 2 months, if money is really tight. As a gift to the loan - a free MasterCard Standard debit card, which can be used to pay off debt. It will be delivered to your home by a courier. The bank's client, along with the card, is offered discounts of up to 30% from the bank's partners (of which there are more than 4,000) and a pleasant cashback. Separately, it is worth noting the financial protection program - it covers all possible unpleasant outcomes, from job loss to the death of the borrower. Its cost is calculated individually at the time of loan processing.

Vostochny Bank offers a small loan in the amount of 100 thousand to 1 million rubles for a period of 5 years. The return period is from 13 to 36 months. The institution promises to consider the application in 15 minutes. When applying for a loan, there is no commission, you do not need proof of income and collateral. However, if the borrower is suspicious, the bank may ask for additional documents or collateral. Insurance is also not required, but possible.

It is convenient that permanent registration is not required in the region where the loan was issued - it is enough to be registered in any city in Russia where there is a branch of Vostochny. In the reviews, users note that the bank is loyal to its customers - they can meet halfway, the service is unobtrusive and polite. However, there are negative responses that Eastern Bank managers can leak personal data to third parties, which is not very pleasant. Various third parties may start calling with service offerings.

The systemically important bank FC Otkritie allows you to get a fairly large loan in the amount of 50 thousand to 3 million rubles for up to 5 years. Fixed interest - 9.9% for the first year of lending. From the 13th month, the rate rises up to 20.9% for the entire subsequent period. The money is given without collateral. You can also refuse insurance, but then the rate will increase by 3 or 6.5%, depending on the size of the loan. An interesting feature: the bank requires not only registration, but also mandatory employment in the region in which there is at least one Opening office.

The loan is suitable for those who are able to repay it in the first year after taking it: the reduced rate is valid only in the first year.Then it rises and can reach 20.9%. The problem with a loan is that it cannot be taken out for less than 24 months. However, early repayment of debt is not prohibited and is not subject to any commissions and penalties, so you can save on interest. To apply for a loan, you will have to drive to the bank office. The minimum average monthly income is from 15 thousand rubles.

A new loan from Post Bank, launched only at the beginning of summer 2019. Within its framework, you can receive an amount from 300 thousand to 1.5 million rubles for up to 5 years. Anyone can take a loan up to 1 million rubles. All amounts above this are issued only to Post Bank customers who have a salary account, including pensioners on a salary. It is convenient that additional services can be connected to the loan if desired.

A rate of 9.9% is available if the client fulfills the requirements of the "Special Conditions" promotion. In this case, he is entitled to a reduction in the rate by 2% of the assigned one (and the minimum rate on a consumer loan is 11.9%). The conditions of the action are as follows: the recipient of the loan must have a salary, pension or "active" account (implies transactions from 10 thousand per month on a card or account). In fact, this is a very successful indulgence for regular customers who might be interested in the bank's loan products.

A loan for wealthy people who suddenly need more money. Alfa-Bank offers a loan in the amount of 50 thousand to 5 million rubles for a period of 5 years.With a loan amount of 300 thousand rubles or more, you will have to provide proof of income, and with an amount of more than 400 thousand rubles - one of the additional documents, such as a work book or compulsory medical insurance policy. But getting the minimum rate is not so easy - it is used only when issuing a large loan in the amount of 700,001 rubles. You will also need to have an income of at least 90,000 rubles, a passport with a recent departure to another country and a relatively new car.

There is no upper age limit at the time of loan repayment. That is, even deep old people can take a loan - there would be income to return. The disadvantage is that you need a landline phone, which is now not in every home. The bank provides an opportunity to choose the date of the monthly payment, so it will be convenient to adjust it to the terms of wages or other income. You can get a decision on a consumer loan in just 2 minutes: just fill out an application and wait a little. Other banks consider applications for loans a little longer.

Opens the top three banks for consumer loans VTB is one of the largest in our rating. With its help, you can get from 100 thousand to 5 million rubles for a period of 7 years for payroll clients and up to 3 million rubles and up to 5 years for ordinary ones. The interest rate starts from a small 9.6%. Interestingly, VTB allows you to repay loans even to deep pensioners: the maximum age at the time of loan repayment can be 70 years for both men and women.

VTB is ideal for individual VTB Multicard holders who need a loan of 1.5 million or more: this is where the minimum interest rate of 9.6%, and a fixed one, is available. Smaller amounts are subject to a high rate of up to 21.9%. Non-working pensioners (by age) have access to their own subprogram with a loan amount of up to 800 thousand rubles and a fixed rate of 11.7%. This is much more convenient, but only available to people over 60 or 65, depending on gender.

A well-deserved second place is taken by Gazprombank with a favorable offer for consumer lending. As part of the product, you can receive an amount from 50 thousand to 3 million rubles, and you can return them up to 7 years. The rate for all clients floats in the range from 9.5 to 15.5%: without insurance, the percentage will always be 6 points higher. Salary customers can count on a rate of 9% if they apply for a loan through the Gazprombank mobile application. Such conditions make the offer one of the most convenient and profitable on the market. Reviews of satisfied consumer loans confirm this.

As always, Gazprombank pleases with a clear and convenient loan calculator, so it is very easy to calculate the exact amount of a monthly payment with the right parameters. In addition, you can calculate the loan by income, which is much more convenient for people with low salaries. This will let you know how much the bank can theoretically approve. The minimum salary for lending at Gazprombank is 20 thousand rubles, which must be confirmed by a certificate of income (unless, of course, you are a salary client of the bank).

The institution allows you to take both small amounts from 10 thousand, and rather large loans up to 1 million rubles. You can return money for up to 5 years. The minimum rate is low, and is not advertised anywhere on the bank's website: such a low percentage is mentioned in the documents without specifying exactly how to get it. Less attentive customers are offered rates from 9%. It is alleged that the loan is approved in 2 hours. Moreover, it can be issued without collateral, income confirmation, commission payment, insurance purchase. Nothing but a passport is required.

You will have to receive a loan at the bank office directly to an open account. If desired, you can provide SNILS. Of the mandatory requirements - permanent registration in the region in which the loan was taken, which is not very convenient. The reviews note that unscrupulous employees often activate the “Financial Protection” service as part of a loan application. It is worth clarifying this point when signing the contract if the service is not needed.