Sometimes a loan becomes the only possible way to resolve financial difficulties. To pay it as quickly as possible and without problems, it is important to take a responsible approach to choosing a bank and not make hasty decisions. You need to determine for yourself certain criteria when choosing a bank. These include: the term for considering loan applications, the full loan rate, the number of documents that must be provided.
We have selected the best banks for cash loans, offering favorable conditions with the lowest interest rates.
10. Tinkoff
Tinkoff - One of the best banks in which you can get a cash loan. This is the only financial institution in the country that works completely online. To get a loan you only need a passport. The bank operates promptly - after the application is completed, there is no need to wait long for an answer - the coveted cash loan can be obtained during the day. If necessary, a bank representative will come home at a convenient time for the borrower with all the necessary documents. Money is transferred to a debit card. The minimum rate on a cash loan at Tinkoff Bank is 14.9%.
9. OTP Bank
A low-interest cash loan can be obtained at OTP Bank. Organization offices for applying for a loan are in many cities. The decision is made quickly, and if the future borrower has provided a full package of necessary documents and has a good credit history, he can receive the requested loan amount within a few hours after the approval of the application. You can apply online. The minimum cash loan rate at OTP Bank is 14.9%. The maximum loan amount is 750,000 rubles.
8. Sovcombank
Some of the best banks for cash loans include Sovcombank. Here you can quickly arrange an inappropriate loan. The bank offers several types of cash loans, so each borrower can choose the most profitable option for himself. If you need a large amount, you can use the Super Plus cash loan and get up to 1,000,000 rubles in cash at 19%. The loan “Express plus” will help out if a small amount is urgently needed - only a passport is required to apply. The most advantageous offer of the bank is a loan in the amount of 100,000 rubles at 12% per annum.
7. VTB Bank of Moscow
VTB Bank of Moscow offers a cash loan of up to 3,000,000 rubles at a minimum rate of 13.9%. Salary clients included in the People of Business program and corporate clients receive a discount in the form of a reduced interest rate and special conditions. You can apply for a loan both in one of the bank’s offices and online. The decision is made very quickly - in just 15 minutes you can get an answer.
6. Orient Express Bank
Loyalty to their customers is different Orient Express Bank. Here you can quickly get a cash loan at an acceptable percentage. With a positive decision, the borrower receives the necessary money on the same day. If you apply for a loan online, you can count on a lower interest rate. The bank offers several types of cash loans. “Equal payment” is suitable for those borrowers who urgently need an amount of up to 200,000 rubles. To get a loan you only need a passport. The interest rate on the loan is 25% per annum.
5. Renaissance loan
Some of the best banks offering cash loans include "Renaissance Credit". There are special conditions for bank customers and pensioners, and the interest rate is from 13.9% per annum. Borrowers with a good credit history can count on a higher loan amount - up to 700,000 rubles.
For those who need money urgently, the program "For urgent purposes". After approval of the application, the required amount can be received on the same day. The interest on this type of cash loan will be from 19.9% to 28% per annum.
4. Raiffeisen Bank
Cash loan terms are good Raiffeisen Bank. Here you can get a loan at a low interest rate if you have a good credit history, a permanent job and a stable income. Customers who meet the requirements of the bank can count on approval of the amount of up to 1,500,000 rubles. The interest rate on the loan starts at 14.9% per annum.
An application can be made both in the bank office and online. The decision is made quickly - within one day. If necessary, a loan officer can come home to the borrower to draw up a contract.
3. Sberbank
Sberbank offers several types of cash loans. Until June 18, 2017, you can apply for a loan for any purpose up to 300,000 rubles with an interest rate of 12.9%. The maximum loan term is 5 years. Bank salary clients can apply online. The review period is from 1 to 2 days. By choosing a loan with the help of guarantors, the borrower can count on a loan of up to 5,000,000 rubles with an interest rate of 12.9%. Sberbank has a special loan for military personnel who are participants in the accumulative-mortgage system. The maximum loan amount without collateral is 500,000 rubles. Interest rate - 14.5%.
2. Citibank
IN Citibank you can get a cash loan without collateral and guarantors by providing a minimum package of documents: passport and income information. The interest rate for each client is calculated individually and ranges from 14% to 20% per annum. Borrowers with good credit history can count on preferential terms. The loan is issued for up to 5 years.
The borrower can get up to 600,000 rubles on credit without providing the bank with any documents under the following condition: the presence of an open loan or credit card at any bank.
1. Alfa Bank
Some of the best banks for cash loans include Alfa Bank. The bank’s salary clients and employees of partner companies can count on a lower interest rate. The maximum loan amount for these categories of borrowers is from one and a half to two million rubles. The minimum interest rate is from 11.99% per annum.