10 banks providing loans without proof of income

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

A consumer loan is sometimes the only way out of a difficult financial situation. Individual borrowers with insufficient own savings (for construction, tuition fees, treatment, purchase of durable items, housing) apply to the bank for a loan. But how to choose the most advantageous from a huge number of offers?

When evaluating a potential borrower, the bank focuses on such parameters as its credit history and income, often in order to reduce its own risks, it requires third-party guarantees from customers or collateral in the form of property collateral. Reliable information about yourself, income, employment, family members, property, documented, is a prerequisite for receiving funds.

But the borrower does not always want to collect a massive package of papers, so he prefers institutions that are ready to issue a consumer loan without proof of income and guarantee. In addition, there are plenty of similar offers on the Russian market.

Below is the rating of banks that give cash loans without income certificates at the most profitable for an individualconditions.

See also - the best cash loans without income certificates and with an online application on the website "Need a loan!"

1. PJSC Post Bank

The borrower is offered a loan without confirmation of income in the amount of 50 thousand to 1 million rubles for a period of 1 to 5 years. To identify a person, you only need to provide your passport and SNILS number (insurance certificate of compulsory pension insurance). You can apply for cash at the sales counter, at the customer center, at the point of sale. The waiting time for a preliminary decision is no more than a day. When filling out an application on the Post Bank website, this period is reduced to several minutes. The initial loan rate starts from 12.9% per annum.

For its part, the bank puts forward the following requirements for the borrower:

• age – from 18 years old;
• passport of a Russian citizen with registration in any subject;
• have a mobile phone;
• SNILS number and TIN of the employer.

2. Home Credit and Finance Bank LLC

Financial institution lends to individuals without proof of income. It is enough to present a passport, SNILS and information about the employer. Bank employees should make sure that the borrower has a regular income and will be able to repay the amount of debt in a timely manner. Age criterion - 22-64 years.

To get a loan, you should fill out an application. You can do this online, which will speed up the decision-making process. The next step is to signConsumer loan agreements and crediting the amount to the borrower's account. The latter can immediately use the received cash for its intended purpose.

What does Home Credit offer to its clients?

• loan processing in the amount of 10,000 to 850,000 rubles;
• time for consideration of the application - no more than 120 minutes;
• loan term – 12-84 months;
• rate - from 14.9%.

New customers can apply for a loan in the amount of 30 thousand to 500 thousand rubles for a period of 1 to 5 years.

The advantages of cooperation with Home Credit Bank are:

• instant loan processing;
• no commission for issuing funds;
• opportunity to independently choose the date of the monthly payment;
• minimum number of documents for registration;
• complete loan information online;
• variety of repayment methods.

3. CB Renaissance Credit

The borrower can be a bank client aged 20-70. For the rest, the lower age limit is 24.

"Renaissance Credit" offers various lending programs. For urgent purposes and significant investments, amounts from 30 thousand to 700 thousand rubles are available. Interest rate starts from 12, 9. Maturity 24-60 months.

To receive a cash loan, you need to fill out an application on the site. In case of a positive decision - to receive the amount of cash declared and agreed by the bank on the same day. Favorable loan termsmake overpayments on it absolutely invisible to the wallet.

4. PJSC "Orient Express Bank"

The policy of this institution is designed to help the consumer choose the most comfortable loan according to parameters such as:

• amount;
• interest rate;
• length of payment period.

Enough 15 minutes to apply for a loan without a certificate of income and guarantors, upon presentation of a passport. The amount available for receipt is up to 200,000 rubles. The minimum interest rate is 14.9.

5. PJSC CB "Ural Bank for Reconstruction and Development"

• Credit "Affordable". The amount is from 50 thousand to 600 thousand rubles. Term - up to 84 months. The annual rate is 23%. An amount of up to 300 thousand rubles can be issued upon presentation of only one passport. The loan is transferred to a bank card, cashed out at an ATM of PJSC CB UBRD.
• Credit "Pension". You can also apply only with a passport. Issued at 21% per annum in the amount of up to 600 thousand rubles.
• Credit "Minute business". The amount is from 5 thousand to 200 thousand rubles. Term - up to 5 years. The rate is 13%. Registration takes 15 minutes. There is no fee for early repayment.

This is an incomplete list of current offers. PJSC CB "UBRD" offers many options, from which each borrower can choose the most convenient and profitable.

6. PJSC Sovcombank

Several types of loans are offered to individuals, including:

• "Standard plus". Up to 299999 rubles for any purpose!
• Express plus. 5000-40000rubles upon presentation of only a passport.
• "Pension Plus". Available to pensioners by age and disability, working and non-working citizens.

The most favorable rate - 12% - is offered when applying for a loan up to 100,000 rubles.

7. PJSC Moscow Credit Bank

Benefits of service in MKB-bank:

• Minimum package of documents for registration.
• Determination of the size of the interest rate on an individual basis with the possibility of lowering it.
• No fees for early repayment of the loan.
• No need for collateral or guarantors.

To apply for a cash loan at a bank, you must fill out an application form and present your passport.

8. PJSC "SKB Bank"

Offers to get a consumer loan without a certificate of income at a favorable interest rate and convenient repayment terms. Over 180 offices of this highly trusted financial institution are located throughout Russia.

9. PJSC "BystroBank"

Offers a wide range of loans for people of all ages and social status. Great offer for young families. Lots of budget options. Attractive conditions for pensioners. To reduce the financial burden on the family budget, extended repayment periods are provided. Minimum bet 13.9%.

Apply review will take 30 minutes. Of the documents, only a passport is required.

10. PJSC "Asia-Pacific Bank"

Gives out a loan for any purpose at a favorable percentage. Requiredpresent a passport of a citizen of the Russian Federation with a registration address and information about the last place of work. Consideration of a credit issue takes no more than a day. For payroll clients, pensioners, state employees, military personnel, there are especially favorable conditions.

This article provides a list of banks that issue loans without proof of income and employment. Each of the listed organizations has a high level of reliability and a huge number of profitable offers for their customers.