If you can’t get a profitable cash loan from a Moscow bank at a low interest rate, it makes sense to try three more legal ways to get cash in Moscow:

• Applying for an express loan is a real way out if you need a small amount and you are ready for higher interest rates. Banks deliberately raise interest rates on loans, insuring themselves against a possible default on the part of an unscrupulous borrower;
• Go to a frequent lender - here the client bears all the risks. Often, such loans are subject to such stringent conditions and commissions that in case of a bad development of events, you can lose all your property: it will go to repay the debt. The scheme is often used by scammers, although it may be lucky;
• Find out the current state of your own credit rating and CI. Here is a more detailed article on how to ;
• Apply to microfinance organizations in Moscow for a quick loan. Microloans in 2019 are faster and easier than trying to get a bank loan at a low interest rate for individuals. Already today you can get a loan directly via the Internet, without leaving your home, without certificates and guarantors, to your debit card, credit card or in cash at the nearest office. Online loans are issued with almost no refusals, even if you have a bad credit history, but the interest rates on loans will be higher than in banks. Above is a list of current MFI offers that are licensed and registered in the registry.

* Conditions for the product "OTP Universal_Promo".
The loan amount is from 15,000 to 299,999 rubles, the rate is 14.9-38.40% (determined by the Bank based on the results of scoring, depending on the client's risk level). Term 12-60 months. With a loan amount of 100,000 rubles for a period of 12 months at a rate of 14.9% per annum, the approximate monthly payment will be 9,021 rubles. The approximate total amount of monthly payments for 12 months will be 9,021 rubles * 12 months = 108,253 rubles, of which interest for the entire loan term is 8,253 rubles.
The loan amount is from 300,000 to 1 million rubles, the rate is 11.5-20.09% (determined by the Bank based on the results of scoring, depending on the client's risk level). Term 12-60 months. With a loan amount of 300,000 rubles for a period of 12 months at a rate of 11.5% per annum, the approximate monthly payment will be 26,585 rubles. The approximate total amount of monthly payments for 12 months will be 26,585 rubles * 12 months = 319,015 rubles, of which interest for the entire loan term is 19,015 rubles.

** Loan conditions “Great opportunities. Salary". The base rate is 14.5%. Reduced rate - 10.5%. Penalty for overdue loan - 20%. Loan amount - from 1 to 4 million rubles. Loan term - from 12 to 84 months. inclusive.

*** The preferential rate is applied from the date following the date of the second monthly payment in the account after eight consecutive calendar months during which the following conditions were met simultaneously: 1) monthly receipt of wages to the borrower's account in OTP Bank JSC from the employer's account or monthly non-cash receipt Money to the borrower's accounts with OTP Bank JSC in the total amount of at least 150% of the first monthly payment under the loan agreement; 2) monthly commission by the borrower of at least five operations of non-cash payment for goods, works, services using bank cards of OTP Bank JSC. As non-cash payment transactions for goods, works, services using bank cards of OTP Bank JSC, only those transactions that were carried out on the account during the specified period (excluding transactions made but not reflected on the account using the card) are taken into account. After the preferential rate has been applied: 1) in case of non-compliance with the conditions, the preferential rate ceases to be valid from the date following the date of the second monthly payment, after the calendar month in which the conditions were violated; 2) if the borrower complies with the conditions in any calendar month, starting from the date following the date of the second monthly payment after the calendar month in which the conditions were met, interest is accrued at a preferential rate. Conditions are valid on 01.04.2019.

In 2019, Russian banks issue physical. individuals consumer credit in Moscow in cash or non-cash form. All offers and conditions of financial institutions can be found on our website. To determine where it is more profitable to apply for a loan, use the calculator online.

Conditions for obtaining loans in MSC

A loan for consumer needs in Moscow is issued on certain conditions. The agreement is drawn up on the provision of reliable information and some documents provided for by the selected loan program.

Programs and conditions of lending for individuals. persons:

• 2 documents for a small amount;
• targeted loans for the purchase of cars, real estate and other expensive items on the provision of a complete set of documentation with confirmation of a stable income;
• loans secured by property;
• refinancing (to pay off other debts);
• consumer credit in MSC for pensioners, students, payroll clients, etc.

Requirements and documents

Each consumer lending program provides for certain conditions for drawing up an agreement. A client who wants to quickly get money on credit for any purpose needs to write an application, indicate personal data and provide the bank with documents in the original according to the list.

Main requirements of creditors:

• passport with a residence permit;
• citizenship of the Russian Federation;
• age of the borrower - from 18-23 to 80 years inclusive;
• solvency of the client.

Consumer loans in Moscow banks

1. select a bank and click the "apply" button;
2. the system will transfer to a new page where you need to carefully study the conditions of the lender and fill out an electronic form following simple prompts;
3. further, we send a finished application in one click and wait for the decision of the bank.

Money can be received in cash or by bank transfer on the day of treatment.

Where else to get a loan in MSC?

Clients who have received a refusal from the bank, as well as citizens with a bad credit history, can take a loan from MFI MSC on very simple terms. You can study all the offers of microfinance companies and apply online for a loan in Moscow right now on our website!

Step-by-step instruction:

• in the line with the selected bank, click the red button "apply";
• a form will appear on a new page to fill out, enter your data, following the prompts;
• check the box "I agree with the terms of the lender";
• send an application in one click by clicking on the appropriate button.

Banks quickly consider online applications and notify of their decision by phone or SMS informing.

Methods for obtaining and repaying a loan

You can get credit on a card or in cash.

Repayment methods:

• transfer from a bank card;
• transfer through payment systems;
• in cash at the bank.

Where else is it profitable to get a cash loan in Moscow

If the bank refused to issue a loan, which is especially important for customers with a bad credit history, send an application for a quick loan to the MSC from the MFI. You can get acquainted with the offers of all microfinance companies that issue loans on simplified terms on our portal!

Unfortunately, the economic situation in our country has been leaving much to be desired for a long time. Every person has needs. But there are not always the means to satisfy them. That is why many people decide to take out a loan. However, this is a serious decision. So people have to carefully look for a financial institution that offers the most favorable loan terms. Only after comparing several options is it possible to understand in which one to take a loan.

Clear leader

This financial institution offers several Take, for example, consumer. In Sberbank, it can be issued even without collateral. The maximum amount is 1,500,000 rubles, the rate is from 16.9%, and the term can be up to five years.

More favorable conditions are offered to people for whom an individual can vouch. Then the possible loan amount increases to 3,000,000 rubles, and the interest rate starts from 13.9%. Only the time period has not changed.

Many people, wondering which bank is better to take a loan from, like to make preliminary calculations so that the potential benefit can also be seen. Well, let's take an example. A person with an income of 60,000 rubles a month, who receives a salary on a Sberbank card, has the opportunity to take about 640,000 rubles for two years. For him, the interest rate will be 13.9% per annum. Every month you will need to pay about 30,550 rubles, and the overpayment amount will eventually be 95,000 rubles.

"VTB 24"

Talking about which bank is better to take a loan from, one cannot but touch upon VTB-24. Indeed, in the ratings, this organization ranks second.

"VTB-24" offers several "Large" - from 400,000 to 3,000,000 rubles, for a period of 37-60 months, with a rate of 15.9-17.9% per annum. "Fast" - from 100 tr. up to 3 million. The period in which you have to meet when paying off the debt is from 6 to 36 months. And the last type is the “Convenient” loan. On it, you can take the amount from 100 thousand rubles. up to 399 999 rubles. Term - from 37 to 60 months, rate - 16.9 - 25%.

By the way, many people, being interested in which bank is better to take a mortgage loan, get advice to apply specifically to VTB-24. This organization has really great conditions. Let's say a person wants to buy a 1-room apartment for 4,000,000 rubles. An initial payment of 1,200,000 will be required. The amount for people who want to buy such housing is usually lifting. "VTB-24" offers in this case to issue a mortgage for 10 years. If a person receives about 65,000 rubles a month, then for him the rate will be only 11.4% per annum. And you will need to pay 39,000 rubles / m.

Russian Agricultural Bank

This financial institution is in third place in the ranking. Many, having studied in detail the question of which bank is better to take a loan from, make a choice in favor of Rosselkhoz. This solution is especially beneficial for those people who participate in the "salary project" program of this organization. For them, the interest on a consumer loan without a guarantee starts from 15.5% per annum. If a person wants to take 750,000 rubles (this is the maximum amount) for 36 months, with a monthly income of 60,000 rubles, then he will have to give only 26,000 rubles / m, at a rate of 16.9% per annum. It is not surprising that many people choose Rosselkhoz if they have a question regarding which bank is better to take a loan from.

In addition, there are favorable mortgage offers. For housing in the Tsaritsyno residential complex, for example, a minimum annual rate of 7.5% is set. And then there are military mortgages, government-backed real estate loans, and many other offers. You can even apply for two documents! Only for this you will have to make an initial payment of 40%. The ability of a person to immediately give such an amount is an oral confirmation of his income. If he wants, say, to take 1,000,000 rubles for 36 months, then for him the rate will be 14.4% per annum. Only monthly income should be 60 thousand rubles. Because every 30 days you will have to give 40 thousand rubles. as a payment.

"Alfa Bank"

In many ratings, which clearly demonstrate which bank is better to take a cash loan, this organization is included in the top three. The conditions are favorable. The maximum amount is 2,000,000 rubles. The term is from one to five years. There are no fees and guarantors are optional, the annual rate starts at 13.99% and the issuance decision is made within a day. And early repayment is possible, which can be negotiated even by phone.

Also, payroll clients of this organization are offered good mortgage conditions. If a person wants to buy an apartment on the secondary market, then he can be given funds for 5-25 years with a down payment of 30% and execution of only one document. The rate in this case will be 17.3% per annum. If you want to buy a residential building, you will have to pay 40% of the total amount.

Gazprombank

Many people assure that it is better to make a choice in favor of this organization, since the question has already arisen regarding which bank is better to take a loan from. Many call her one of the best.

If you apply for a loan for up to a year, the rate will be 13% secured and 14% unsecured. Need a loan for a longer period? If it varies from one to three years, then the annual rate will increase to 13.5% with security and up to 14.5% if there is no security. And on a loan for a period of 36-60 months, you will have to pay 14% and 15%, respectively. By the way, for Gazprombank clients the rate is lower by 0.5%.

OTP

This organization is also not in last place in the rating of verified financial institutions. Moreover, many advise it if a person is interested in which bank is better to take a consumer loan.

Loans in OTP are issued in cash and for any purpose. Let's say a person needs to borrow 500,000 thousand rubles. for a period of 24 months. He can be offered a rate of 14.9% per annum and a monthly payment of 24,220 rubles.

Mortgages in OTP are also profitable, especially for “their” clients. The maximum term is 30 years. Mortgages with state support are set at rates of 11.2%. For new buildings - from 12%, as well as for finished housing.

By the way, many companies cooperate with OTP, when buying in the centers of which you can get an installment plan or a loan. These are DNS, Svyaznoy, Euroset, Media Markt, Techno-Sila, MegaFon, 585, Elena Furs and many other popular brands.

"BinBank"

This is also a fairly well-known commercial financial institution. Many often advise to go there if a person is interested in which bank is better to take a loan.

Minimum amount- 100,000 tons, maximum - one million. Terms can vary from 24 to 84 months. The rate starts from 16.5%, and the decision on extradition is made within three business days.

If a person is a client of BinBank, then he can be given 1,000,000 rubles at 16.5% per annum, while the monthly payment will be 26 thousand rubles.

You can also apply for a mortgage here. The minimum annual rate is 11.25%, the term is 5-25 years. The initial payment should be 15%. The maximum loan amount is not limited, but the minimum is 600 thousand rubles. (Moscow) and 300 tr. (other regions). The decision is made within five days. By the way, a partial reduction in the loan, the amount of payment or early repayment is also possible.

"Ugra"

It is a joint stock company. Talking about which bank is better to take a loan from (the list of names, as you can already understand, is very wide), one cannot but note Ugra as well. It issues four types of consumer loans. There are "Friendly", "For any purpose", "Loyal" and "Pension". The peculiarity of this bank is that there are no universal conditions - here an offer is individually selected for each client, in accordance with his income and capabilities. So you need to fill out an application first.

The same goes for mortgages. But there are some standards here. The initial payment should be 20% of the total amount. Mortgage term - from three to thirty years. The minimum amount is 300,000 rubles, the maximum is 10,000,000 rubles.

Avtotorgbank

This limited liability company is also worth noting with attention, talking about which bank is better to take a loan from. The rating mainly demonstrates the popular names of financial institutions. Few have heard of Avtotorgbank. But he offers favorable conditions for car loans.

This organization has many partners, including famous foreign manufacturers. The bank issues money on a car loan in euros, dollars and rubles. The minimum amount is 300,000 rubles, the maximum is 5 million. The term can vary from 6 to 60 months. The down payment must be at least 20% of the value of the car. A deposit is not required, since the purchased car becomes it (the title will need to be transferred to the bank for storage).

If a person takes the amount for a period of 6 to 12 months, then the annual rate will be 18%. From 13 to 36 - 19%. And from 37 to 60 - 19.5%, respectively. Many take a loan in euros or dollars, because in any case, no matter what term the client chooses, the rate will be 15%. But in this case, too, there is a risk, and it lies in the unpredictable exchange rate.

Sovcombank

This organization is also worth noting with attention, talking about which bank is better to take mostly positive ones about it. After all, Sovcombank makes profitable offers to its customers. True, the services of this organization are suitable for those people who need small amounts. So, for example, 100,000 rubles in a bank can be issued at 12% per annum. Requirements for borrowers are low - citizenship of the Russian Federation, age from 20 to 85 years, 4 months of experience at the last workplace and permanent registration in the region (also at least 120 days).

There is a consumer loan "Standard" with a maximum amount of 200,000 rubles, "Superplus" (600,000 rubles), "Pension", "Express" and even the so-called loan "For responsible", provided upon presentation of a passport and a diploma of higher education .

What do clients say?

Finally, we can talk a little about what kind of reviews about the work of banks are left by people who have used their services.