10 banks with a low percentage of consumer loans

A good loan will not hurt anyone, as they say on the official website of Post Bank. Indeed, the proposed loyalty programs have a good effect on the pricing policy: the Guaranteed Rate service, for example, allows you to get -2% per annum. To do this, you just need to pay with branded cards for everyday purchases in the amount of at least 10,000 rubles. per month, or receive a salary or pension in the bank. The reduction in the credit interest rate occurs automatically.

An extensive network of branches (more than 19,000 throughout Russia) makes Post Bank the most attractive choice in remote corners of the country. Under the terms of the loan, the client can count on an amount of up to 6,000,000 rubles. at a rate of 5.9% per annum. However, no overpayment is charged for the first six months. The maximum term for which you can borrow money is 7 years. In general, the offer is quite profitable, customers complain only about not the friendliest service and the imposition of additional services.

In 2019, UralSib received an award from the Markswebb consulting agency - a place in the TOP 10 Internet Banking Rank, the Most Efficient Internet Bank for Individuals category. The bank retains its high positions to this day.An individual loan offer for new and regular customers includes the following conditions: in total, they are ready to give out from 100,000 rubles. up to 1500000 rub. when signing a contract for 13-84 months. When applying for insurance, you can claim a minimum interest rate of 5%. Otherwise, the percentage will increase to 20.5%.

It is also important that the borrower will not be required to confirm income and other information. For registration, a passport and a second document of your choice are enough (the details will be specified by the manager depending on requests). However, without a certificate of income, you will be able to approve no more than 600,000 rubles. If you provide complete information, you can count on the maximum loan amount. Loan payments can be made at a branch, ATM or online banking without commission.

Alfa-Bank offers the best conditions for short-term lending, as well as the opportunity to receive up to 7,500,000 rubles. just under 5.5%. Of course, not everyone can get a loan at the most favorable interest rate and the maximum rate is 20.99%. The exact amount of the overpayment and the final amount are determined individually by bank employees based on the documents provided, total income and credit history. You can borrow money for a period of 1 to 5 years.

You will receive a preliminary loan decision very quickly by simply filling out an application on the bank's website. Within 2 minutes you will receive an SMS with an answer, after which you can go to the nearest branch with a full package of documents. It is also possible to receive money with home delivery - just tell where and when to deliver the card.You can repay the loan ahead of schedule through Internet banking or self-service ATMs. However, customers complain that fees are charged for transactions. Also, many warn that there are huge fines and penalties for delays, so it is better to make payments on time.

OTP Bank is an ideal solution for those who want to get a loan quickly and without hassle. You can apply in any convenient way: online, at a branch or at a point of sale. At the same time, it is possible to get approval in a matter of seconds - usually it takes no more than a minute. In rare cases, the process can drag on for a day, as bank employees need to correctly assess the level of risk and decide on the amount and rate. After that, you can pick up cash at the office or receive a transfer to a card. The loan is issued for up to 5 years.

For registration, you will need: a passport of a citizen of the Russian Federation, SNILS, a certificate of state registration of an individual entrepreneur (for individual entrepreneurs), information about the TIN of the organization, a document on tax registration (if any). The maximum withdrawal amount is 3,000,000 rubles, but it is issued only to customers with a positive credit rating and high incomes. Otherwise, it is reduced to 15,000 rubles. The minimum rate is 5.5%, but can be increased depending on the risks up to 30.3%.

Ruble "Cash Credit" suits different categories of customers: the largest amount of 5,000,000 rubles. can be taken at 5.5%, also for a period of 7 years. Conditions are calculated personally, depending on the needs, while the site gives recommendations on the loan term, based on the average monthly income of the consumer. The amount of the monthly payment does not change during the entire period of the contract. Of the bonuses - the possibility of early repayment on any day, the personal choice of a convenient payment date and the free Smart Card service with a cashback of up to 10%.

You can get cash at a low interest rate from GazpromBank for any purpose. You don't even have to leave the house to do this. You can fill out an application on the website, and then receive a debit card with delivery. Registration is simple, and approval will take no more than 5 minutes. Moreover, if you need an amount of no more than 1,000,000 rubles, then you won’t even need a certificate of income - just one passport is enough. All borrowers are offered insurance. It is not mandatory, but if you refuse, be prepared for the fact that the interest rate will increase by 5-6 points.

A consumer loan from VTB is one of the most advantageous offers in the rating. The bank offers funds for any purpose at a rate of only 5.9%. You can take the amount up to 5000000 rubles. for up to 7 years. The decision is made quickly and without delay - just fill out the application online and in 2 minutes you will find out the result without leaving your home.If you receive a salary on a bank card, then you only need a passport and SNILS to apply for a loan, other borrowers will have to present a certificate of income.

However, the main advantage of the loan from VTB lies in the loyal terms of debt repayment. Initially, when signing the contract, you yourself choose a convenient payment date and in the first three months you can pay only interest on the loan without the principal amount of the debt. There is also a unique offer - “Credit holidays without commission”, thanks to which once every six months you can skip a payment without penalties. Of the minuses, as in most organizations - the imposition of insurance.

HomeCreditBank is one of the most loyal banks in relation to its customers. Borrows up to 3,000,000 rubles. up to 7 years for citizens of the Russian Federation with a permanent source of income and registration. If you have a cloudless credit history and at least a little work experience at your last job, even an 18-year-old young person can easily get a loan. At the same time, cash will be issued for any purpose without certificates and guarantors. The rate is adequate - 5.9% per annum.

There are slight differences in the service of regular and new customers: the former always receive an instant decision and full online processing with a commission-free transfer to the specified card. When ordering a loan for the first time, you still have to go to the office to sign documents, besides, not every application is approved. You may have to collect an extended package of documents.Among the shortcomings, customers also mention problems with closing the loan and errors in the mobile application.

In "Sovcombank" you can get a profitable loan up to 3,000,000 rubles. at a fairly low rate of 6.9% per annum. At the same time, the requirements for borrowers are minimal and people from 20 to 85 years old can receive funds. However, please note that under the terms of the contract, a person must be 85 years of age at the end of the loan term, that is, you need to apply earlier. In order for the application to be approved, as in other banks, you must have official employment and a permanent residence permit.

You can borrow money for a period of 18, 24, 36 or 60 months. If you wish, you can apply for an additional service - a program of voluntary financial and insurance protection of the borrower. It is proposed to repay the debt to an identification bank card, through post offices of the Russian Federation or Internet banking. But it should be borne in mind that third-party organizations will take a certain percentage of the commission for this.

At Otkritie Bank, you can apply for a consumer loan with cashback and free delivery. To do this, apply online and wait for approval. If the conditions suit you, you can receive funds in person at the branch or through a courier. Decisions are made quickly, do not delay, which is a big plus. A free Opencard will help reduce your loan payment.For purchases with its help, cashback will be credited, due to which you can return interest.

Credit conditions are quite loyal. The minimum rate is 5.5% per annum, but it can vary depending on the situation and reach 16.9%. In addition, the bank has a profitable refinancing program that allows you to combine up to 10 loans and reduce the amount of payments. So if you have debts in other organizations, "Opening" will help reduce the overpayment. From the unpleasant: in order to protect themselves, the bank will persistently offer to take out insurance, for which you will also have to pay monthly.

A consumer loan at Raiffeisenbank will help in any life situation, from repairs to paying for education. Approval will not take much time - just apply on the site and get a decision in a minute. After that, it remains only to collect the documentation and pick up cash at the branch. You can get documents and a debit card with a loan without leaving your home - a bank representative will bring them to the specified address for free.

If we talk about the conditions, then they are among the most profitable here. The rate is from 4.99%, the maximum amount is up to 3,000,000 rubles. for up to 7 years. At the same time, get a loan up to 600,000 rubles. you can do it without proof of income, just show your passport. Of course, you can count on the most favorable conditions only with a good credit history and a high salary.If there is a high risk, the bank will be able to approve you no more than 30,000 rubles, and the interest rate may be 22.99%.