Top 5 Banks for Consumer Loan 2022

VTB Bank offers a good selection of consumer loans for individuals. Here you can get money to repair an apartment or house, buy equipment or get an education. The consumer category also includes loans for pensioners and for refinancing.

The most interesting and popular offer is the “Cash Loan”, offered in the amount of up to 7 million rubles. The maximum term of 7 years is available for those who receive a salary on a VTB card, the rest will be offered no more than 5 years. The minimum rate of 6.9% is also available only to payroll clients and non-working pensioners and when applying online. The maximum percentage is up to 44.9%. For the first 3 months of loan repayment, you can pay only interest, once every 6 months you can skip a payment without penalties.

"Post-Bank" is becoming more and more popular every day, including due to the availability of really profitable and attractive offers for individuals.Getting a consumer loan in cash is available to everyone here, and lending conditions look very interesting.

So, in June 2022, the bank offered its customers the Supersmart Promo tariff, which allows them to receive up to 6,000,000 rubles for up to 7 years. But that's not what's interesting about him. The base interest rate for the tariff is 16.9% per annum, but the bank promises that if at least 12 payments are made without delay, the rate will be changed to 6.9%, and the difference in overpaid interest will be returned to the client on the savings account (after the loan is repaid) . This service is called "Guaranteed Rate" and is activated for a fee (commission 10% of the loan amount).

A consumer loan at Rosselkhozbank can be really profitable, especially if you approach it responsibly. At first glance, the bank's offer looks similar to many others, but in fact it has a benefit. The most basic of them is the relatively small dispersion of the interest rate and the very attractive value of its upper limit.

Maximum 5 million rubles. under the program "Credit for any purpose" can only be received by those who have issued a bank salary card, the rest will be given no more than 3 million rubles.An attractive rate of 8.9% per annum is available subject to comprehensive insurance. The maximum rate is 15.5%, which is noticeably lower than many other banks. Loan term - up to 5 years. The bank's requirements for borrowers are high. So, the age must be at least 23 years old, the total experience is at least a year, and income will have to be confirmed.

Alfa-Bank offers some of the best conditions for consumer loans for individuals in Moscow and the regions, including in terms of interest rates. Here you can get money for repairs, education, for any purpose secured by real estate, as well as a cash loan. The most favorable conditions apply to payroll clients and those who already have a pre-approved offer.

The most popular in Alfa-Bank is the Cash Loan, offered in the amount of up to 7.5 million rubles. for up to 5 years. The rate starts from 7.9%, but can reach 32.49%. Up to 300,000 rubles can be received on two documents without proof of income. In a number of cities, money is issued with home delivery, the courier will bring a debit card with the approved amount.

Sberbank is considered by many in Russia to be the best and most reliable, which is why they prefer to take loans only here. The bank offers both standard loans for several years and short-term loans, for example, "Money before payday" for 1 month. There really are interesting and profitable offers here, although in advertising they still seem more attractive than in fact.

So, “A loan for any purpose” is promised to be issued here according to a passport and at 6.9% per annum, but upon closer examination, everything turns out to be not entirely true. One document is enough to apply for a loan only to Sber clients and upon receipt of an amount of up to 150,000 rubles, and the rate of 6.9% per annum is valid only in the first month and only with a Sberprime + subscription. The maximum amount is 8 million rubles. available only to those who receive a salary or pension in this bank, the rest will be offered no more than 3 million. Despite a number of nuances, Sberbank's offer is still profitable.