2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
The cash shortage problem has always existed. Not enough money to buy something or a ticket to hot countries? Do not want to borrow from friends and acquaintances or not possible? Is it a pity to pledge property, is it scary to borrow from strangers? What to do in such cases?
"Alfa-Bank" provides an opportunity to receive funds instantly. This expression means that the speed of decision-making is from 30 minutes or 2 hours to 1-2 days. Employees of the Alfa-Bank organization (Moscow) or any other branch of the bank issue a cash loan fairly quickly, especially if they fill out an application and a questionnaire on the bank's website on their own. The latter is optional, but may shorten the waiting time for a management decision. Moreover, you can receive an SMS forecast just a few minutes after filling out the questionnaire.
"Alfa-Bank": customer feedback on the benefits of this institution
What are the advantages of this bank compared to other institutions that also provide such a loan program? ForLet us first note once again the high speed of decision-making on your issue. This is an important factor, as there are times when one day can change a lot.
The loan amount is quite high and can reach up to 1 million rubles, and for corporate clients who regularly use services, up to 2 million. The minimum interest rates are not higher than in other structures, and are kept at the level of 17-18% per annum.
"Alfa-Bank": customer reviews on the nuances of a cash loan
May please the minimum package of documents - only a passport and a code are needed. If you have a certificate of income from the official place of work, the loan amount, as well as the guarantee of a positive decision, will increase. The main bonus when borrowing money is the absence of commissions for providing credit money and for using the account. Another pleasant surprise when contacting Alfa-Bank, whose branches are located in all cities of the Russian Federation, is the opportunity to choose the terms of the monthly repayment of the loan. This is very convenient, since you can calculate the date of payment of your monthly salary and correlate it with loan payments. The terms for which Alfa-Bank is ready to provide you with money are also quite standard: from 6 to 36 months.
This institution has a one-time discount, subject to self-filling of the questionnaire. It is not too high, but it can be a nice addition to the cash on hand.
"Alfa-Bank": reviewsloan recipients
Of course, today there are few people who do not use bank funds. So there are a lot of opinions. Some praise this bank for efficiency and loy alty. Others resent high lending rates. However, it all depends on the program you are using. A standard consumer cash loan does not cause any particular complaints. But the express option, where the maximum loan amount is 100,000 rubles, and the percentage for its use is 29.9%, of course, not everyone will like it. But keep in mind that with such loans, such huge rates are set because of the risk of default.
In general, Alfa-Bank's loan program, which has mostly positive customer reviews, is fairly standard and does not contain any pitfalls. Although, of course, it is worth reading the contract so that later you will not be surprised at the amount of overpayment for using the funds of a financial institution.
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