How to get a loan on a Sberbank card: necessary documents, procedure, payment terms

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

If you urgently need money, it is not necessary to visit the bank to get a loan. You can get a loan through the Internet, using instant loans. The borrower can receive funds within a few minutes after filling out the questionnaire, since the decision to issue a loan is made almost instantly. Most borrowers prefer to borrow money on a bank card: it is fast, convenient and safe. The most popular in Russia are the cards of Sberbank, the largest bank in the country. Before applying, it is recommended that you familiarize yourself with companies where you can quickly get a loan on a Sberbank card.

Documents for getting an instant loan online

Despite the fact that the execution of the application in "quick loans" is different from the application to the bank, these lenders also make demands on the borrower. In 9 out of 10 microfinance organizations (MFIs), the main and only document for obtaining a loan is a Russian passport.

Before taking a loan on a Sberbank card, the client must provide the details of his document. Some companies require you to enter information in a questionnaire on the site. Others require a copy with the client's photo.

If a client wants to take a long-term loan on a Sberbank card, the lender may require additional information, for example, about the client's income. Rejection may result in a negative decision on the loan application.

Requirements for a borrower in an MFI

Microloans are more loyal to their clients, but they cannot ignore the mandatory conditions when obtaining a loan. A borrower who:

• is of legal age. Some companies issue loans to people over 18, others only to citizens over 21;
• has Russian citizenship. This is one of the prerequisites for obtaining a quick loan;
• uses a bank card. The presence of a means of payment is necessary for issuing a loan, which will be transferred to the client's card;
• has income (with a microloan, no official certificates are required when it comes to amounts up to 50 thousand rubles, but the borrower is obliged to repay the loan in any way);
• did not allow delays. Not all lenders are ready to issue loans to clients with a bad credit history, but there are also MFIs that credit even unreliable payers with loans to a Sberbank card.

Which card is better to use to get a loan?

Wishing to take a loan on a Sberbank card without refusal, you shouldchoose the right bank card for crediting the loan.

Not all debit cards are suitable for microloans. It is not recommended to enter data:

1. Credit card. There are already bank funds on it. In addition, it is not a savings account designed to store the client's own funds.
2. Instant card. These are unnamed banking products that are not accepted by all MFI sites. If the client has only an instant card, it is recommended to issue a reissue to a personal personal card or order a new product.
3. Card belonging to another person. The discrepancy between the data of the borrower and the owner of the card may serve as a reason for refusing to receive a microloan.
4. Expired card. If the plastic has expired, it must be replaced at the office where the account is maintained.
5. "Maestro". It is not possible to get a loan on a Sberbank Maestro card in all companies, as these are old-style cards with the least protection. Social cards are also not always suitable for obtaining an online loan.

Until 2017, the card of the MIR payment system could also not be used as an account for crediting a loan. But at present, customers can take a loan on the MIR card of Sberbank without restrictions (with the exception of the MIR Social product).

How to choose a microloan?

The choice of a lender should be approached with the greatestresponsibility. The interest rate, the possibility of obtaining a loan, its payment and servicing the loan depends on the company. It is recommended to give preference to well-known MFIs trusted by thousands of Russians. For example, "Zimer", "Quick Money", MoneyMan, Lime, Kredito24, Moneza.

These companies issue dozens of loans per day and have earned a reputation as reliable lenders. Financial institutions that give loans do not always have favorable conditions, so it is better to borrow money from trusted sources.

You can find out the company's reputation by online reviews. Sometimes borrowers leave them on the official website of the lender, but more often on larger portals, for example, banki.ru.

Loan interest rate: how to get a profitable loan

After reading the reviews of real customers, you should look at the terms of credit in the company. Online loans differ from consumer loans in terms of fees. Banks offer interest based on an annual overpayment, while MFIs charge a fee daily.

The minimum interest rate in MFIs is 0.5% per day. At first glance, this seems to be much more profitable than 12.9% per annum. But if the client is interested in obtaining a loan for 3 months or more, the overpayment on a microloan in this case will be 200-300% more than on a bank loan.

To get a favorable interest rate, it is recommended to comply with the conditions of the lender, for example, provide additional documents, avoid delays and choose a special typeloan.

Some companies are willing to pay interest on a client's first loan if the borrower complies with the terms of the repayment. For example, the first loan at 0% can be obtained from Moneza and Ezaem. These are the most profitable options on how to get a loan on a Sberbank card without a commission. Subsequent loans will cost the owner of the Sberbank card from 1% to 5% per day.

Filling out an online loan application: features

The most important step in getting a loan online is filling out an application for a loan. The decision to issue a loan depends on the correctness of the borrower's application form. Most of the questionnaires on MFI websites are simple and logical: filling them out will take no more than 10 minutes.

Before taking a loan on a Sberbank card, the client must indicate in the application:

• Name;
• address;
• passport data;
• contact information: phone number, email address;
• information about income: name of organization or individual entrepreneur, position, amount of earnings;
• amount and term of the loan;
• a way to get a loan on a Sberbank bank card.

After filling in all the data, it is necessary to check the questionnaire for errors and correct them. Next, send for processing.

Deadline for receipt of funds on a Sberbank card

Having learned how to get a loan on a Sberbank card and filling out an application, the client can only wait for a decision on the loan. The maximum loan processing time is 48 hours. InIn many microfinance companies, the answer comes almost immediately: already 5 minutes after the application is made, the client receives an SMS about approval. After that, the loan is sent for enrollment.

The term of receipt of money depends on the system of the bank. Sberbank does not delay customer funds: request processing takes a few seconds. The term for receiving credit money, on average, is from 1 to 6 hours.

If a client has received a notification that a loan has been credited, and the funds have not been received within 24 hours, it is recommended to contact the Loan Support Service. If the delay was due to the fault of the bank, then it is not necessary to visit the office. You can call one of the numbers indicated on the back of the card, for example, dial "900".

How to pay off a loan: recommendations

After the borrower has received the loan and used it, he must return the funds to the lender. Unlike banks, MFIs provide loans for a short period. Some of them are returned immediately in full, taking into account interest for use, others can be paid according to the schedule.

To return the funds faster, it is better to choose loans with a full return of the entire payment amount. These are loans for small amounts, from 1,000 to 10,000 rubles. If the borrower took money for urgent needs, for example, before the salary, he can return it immediately after receiving it. This way you can save on interest for use, which in microloans are accrued for each day of the agreement.

Loans for amounts over 10,000 rubles are difficult to repayimmediately, so the client is given a payment schedule for their return. To reduce the overpayment, you should repay the loan ahead of schedule, taking into account your ability to pay.