12 best banks for consumer loans
Consumer lending is a financial product that has recently become the most sought after. Individuals can arrange it for the purchase of any goods necessary for their own needs. The main condition of many banks - the loan should not be associated with business activities.
It is enough offers in the financial market. But you do not always understand which organization to apply to, so that the percentage is low, and the monthly payment does not burden the family budget, and you are satisfied with the term of the contract. Our rating includes 12 banks, which, according to customer reviews, offer the best conditions for consumer lending.
Rating of the best banks for consumer loans
| Nomination | a place | bank | rating |
| Rating of the best banks for consumer loans | 1 | Gazprombank | 5.0 |
| 2 | Raiffeisenbank | 4.9 | |
| 3 | Alfa Bank | 4.8 | |
| 4 | Rosbank | 4.7 | |
| 5 | Tinkoff Bank | 4.6 | |
| 6 | Mail Bank | 4.5 | |
| 7 | Sovcombank | 4.4 | |
| 8 | Sberbank | 4.3 | |
| 9 | VTB | 4.2 | |
| 10 | Moscow credit bank | 4.1 | |
| 11 | Ak Bars Bank | 4.0 | |
| 12 | OTP Bank | 3.9 |
Gazprombank
Rating: 5.0
Heads the list of JSC "Gazprombank". Many customers were able to evaluate its lucrative offers and use financial products for personal purposes. The most popular consumer loan is “Light”. The name itself says that it is easy to get it. The loan amount can be any, ranging from 50 thousand rubles., Ending with 3 million rubles. The contract period is from 13 months to 7 years. The base rate is 10.8% subject to personal insurance. Without it, another 5 or 6% is added to it, depending on the category of citizens.
Currency - only rubles. The term of consideration is no more than 1 day. For registration you will need a passport, SNILS and certificate of income. Sometimes for a contract the bank requests a copy of the employment record with the employer's mark. The main conditions: the borrower must be an employee of 20 years old, have a positive credit history and work experience at the last place of employment - at least six months.
Collateral is not required even at the maximum amount, there is no commission for registration. The application can be sent through the site or place in the bank. Many borrowers recommend using the “Easy” offer to get a favorable consumer loan. Contact phone number: 8800100 07 01.
Raiffeisenbank
Rating: 4.9
The second place in the ranking is taken by a financial institution that has been specializing in consumer lending for a long time, offering customers various options for loans that benefit both parties. The bank has developed many programs that will suit all categories of citizens. Applications are processed instantly, and registration takes place in a short time.
One of the most popular offers is “Personal loan”. The minimum package of documents, namely, a passport will allow you to get a loan of up to 300 thousand rubles. Up to 1 million rubles. additional documentary proof of income will be required, up to 2 million will also be required to provide employment confirmation. The client sends the data online and in 2 minutes already receives a response. Loan term ranges from 12 months to 5 years.Interest rate - 10.99. Payments are made monthly in equal parts.
According to the reviews, many borrowers liked the speed and minimum of documents for processing large amounts, which will not be required. The undoubted advantage was the lack of commissions and additional payments. For more information, please contact: 8800700 91 00.
Alfa Bank
Rating: 4.8
Favorable consumer loans with fast processing are offered by the next bank included in our rating. For more than 20 years, he has provided all categories of citizens with loans in cash for any purpose and deservedly ranked third on the list. The most popular loan among clients is a consumer loan for any needs with a single fixed rate - 11.99%. It does not increase due to the lack of insurance, which is a definite plus for borrowers.
The amount can be any: from 50,000 to 3,000,000 rubles. The contract is for a period of 12 to 60 months. Annuity payments, that is, in equal monthly installments until the end of the contract. The application is sent online, and after a few minutes the customer receives a response from the bank. If a positive result does not require collateral and the guarantee of individuals. From the documents you must provide a passport and certificates of income and employment confirmation.
For registration of the contract, you must come to any branch of the bank and receive money there. Many borrowers found it convenient that, instead of a certified copy of a work record, you can provide a TCP for a car or an international passport with marks of going abroad. For additional information, citizens are provided with a hotline telephone: 8800200 00 00.
Rosbank
Rating: 4.7
The largest financial institution, which occupied the fourth line of the rating, has long established itself as a reliable partner providing various lending options. The most popular fare is “Just Money”. It does not require guarantees and collateral. Consumer credit is characterized by rapid processing of the application and registration, loyal requirements for the borrower.
The age limit has been lowered, so any citizen with a 3-month work experience in the last place and age 18 years can receive an amount from 50 thousand to 3 million rubles. The interest rate is 11.99. The loan repayment period is from 13 to 60 months. Payments are made in equal parts and include the principal amount of the debt and interest.
The application is sent online. Processing is carried out quickly, a loan is issued at the offices of the bank. Only passport is required. To confirm the solvency, you will need to choose one of the certificates: 2-NDFL, in the form of a bank or account statement. The base rate is provided only if insured. In case of refusal, 7% are added to it. If you have questions about the financial product, then the answers to them can be obtained by calling: 8800200 54 34.
Tinkoff Bank
Rating: 4.6
In the fifth place of the rating is a bank, whose consumer credit combines the best favorable conditions: quick application and execution, a low percentage, a minimum set of documents. Approval occurs on the same day. You can get money without visiting the bank office. The courier delivers a debit card to which funds are received after signing the contract. Her service is free. The minimum rate is 12%. But it can be changed in a big way, based on the credit history of the borrower.
Of the documents provided only a passport of the Russian Federation. Guarantees, pledges, proof of solvency is not required. There are no additional fees, including for withdrawing cash from a bank card. Favorable condition for regular borrowers is a reduction in interest rates, subject to timely payments. If the question is positive, it is recalculated, and the difference is returned to the card.
The available maximum amount for consumer lending is 2 million rubles. The term of the contract is up to 36 months. Loan can be taken for any needs. The bank does not require confirmation of the target use. For more information, please call the hotline: 8800555 22 44.
Mail Bank
Rating: 4.5
The sixth place in the rating goes to a bank that specializes in loans to individuals; consumer loans for targeted and non-earmarked needs are considered especially popular. Cash Loan - the most popular of them. The base rate is 12.9%. It can be changed in a big way and depends on the category of the borrower. Registration can take place in any convenient way: online, in the offices of a company or trading organizations-partners of a financial institution.
Upon reaching 18 years of age and length of service on the last job for at least 3 months, a loan of 50,000 to 1 million rubles is granted. Payments equal to the expiration of the loan. The contract is for a period of 13 months to 5 years. The application is processed instantly. If the answer is positive, you need to provide only 2 documents: a passport of the Russian Federation and SNILS. Pledges and guarantees will not be required, as well as proof of income.
The customers who took advantage of the bank’s offer were satisfied with the cooperation. Many people liked the speed of decision making and issuing money. Employees will answer any questions to the free number: 8800550 07 70. Help Center from a mobile phone: 8800.
Sovcombank
Rating: 4.4
On the seventh line of the rating is a stable financial institution with interesting lending offers for all categories of citizens. The most popular tariff among borrowers is Superplus. The minimum interest rate is 11.9. It is calculated individually for each client. The minimum loan amount is 200,000 rubles, the maximum is 1,000,000 r. The repayment period is from 18 to 60 months. Documentary evidence of income, collateral and guarantees is not required.
The borrower must have at least 4 months work experience at the last job. The age limit of the bank is not suitable for everyone, namely, that this consumer loan is issued only to citizens who have reached 35 years of age. But precisely because of this condition, the package for concluding a contract includes only a passport and a second document to choose from: TIN, international passport, SNILS, OMS, driver’s license or pension certificate.
Payments in equal monthly installments until the end of the contract. You can apply online. The decision is made within 5 business days. Registration takes place in the bank branches. The funds are transferred to the client’s current account opened with Sovcombank. Toll-free number throughout the Russian Federation: 8800200 66 96.
Sberbank
Rating: 4.3
The largest Russian bank ranks eighth in the ranking among financial institutions providing the best conditions for consumer lending. The interest rate starts at 11.9% if the customer is a payroll card holder or receives a pension in an account with Sberbank. For other categories, it increases by 1%. The maximum loan amount - 5000000 rubles. The repayment period is up to 60 months.
The application is submitted in any convenient way: online, in the office or through a mobile application. The decision is made from 2 minutes to 2 working days and sent by SMS-notification. If the answer is positive, you should contact the nearest branch with the necessary package of documents: only a passport - if you are already a client of the bank; a passport, certificate of income confirmation and a copy of the workbook certified by the employer - to the other categories of citizens.
Borrower age: from 21 years. Surety and pledge obligations are not required. Additional fees are not charged. Many respondents noted that this consumer loan is most beneficial to those who receive a pension and salary through bank accounts.If you need advice from an employee of a financial institution, you can ask a question on the website or call: 8800555 55 50.
VTB
Rating: 4.2
Further, the rating includes a bank in which it is beneficial to issue consumer loans to all categories of borrowers, especially to holders of payroll cards. The special program provides in this case the minimum interest rate - 11% (with the condition of life and health insurance). For the first time, citizens who apply are offered a tariff from 11.5 to 19.5%, which is calculated individually.
The preliminary decision is voiced within 5 minutes. The final answer can be obtained by providing a package of documents in the bank branches. For payroll clients, only a passport and SNILS will be required, for the rest - an additional certificate of income confirmation, and with a sum of more than 500 thousand rubles - a copy of the workbook. Mandatory requirements: citizenship of the Russian Federation, permanent registration, income of at least 15,000 rubles. per month.
Repayment of the loan is made by annuity payments during the entire term of the contract. The bank provides the opportunity to take advantage of offers: “Credit holidays” or “Preferential payment”. The service is free, it helps to stabilize the financial state and then return to the standard payment schedule. Additional advice on current offers can be obtained by calling: 8 800100 24 24.
Moscow credit bank
Rating: 4.1
The tenth line of the rating is for a bank with an impeccable reputation and financial stability. It offers several consumer credit options. The most popular is the tariff “Neteleva without collateral”, which allows you to receive up to 3,000,000 rubles in cash for any needs. The minimum rate is 10.9%. This is a seasonal offer, then it increases on the basis of an individual assessment of each client.
The loan repayment period is from 18 months to 15 years. The loan is granted to citizens who have reached the age of 18. Online application form is processed instantly. The preliminary decision comes SMS. If the answer is positive, the registration takes place in the bank office. In this case, the client must provide only a passport and a second document to choose from. No pledged property or guarantee. Insurance service is voluntary. The main conditions: citizenship of the Russian Federation, permanent registration, experience at the last place of work - 3 months.
Annuity payments. It is possible to issue the option "Credit holidays", which is provided free of charge. You can calculate monthly payments in the online calculator, or by calling the reference number: +7495777 48 88.
Ak Bars Bank
Rating: 4.0
Next in the rating is a bank that has developed special programs for payroll card holders, as well as for first-time clients. Credit "Consumer" is available to all citizens over the age of 21. The main conditions: Russian citizenship, permanent income, experience at the last place of work - at least six months. The minimum amount is 100,000 rubles, the maximum is 2,000,000 p.
The rate starts at 11.9%. It can be obtained subject to a payroll account and collective life insurance. It is calculated based on the assessment of the financial condition of the client. The application is processed up to 3 days. Cash is issued in cash at the branches of a financial institution. Payments are made in equal parts. For registration of the contract, you must provide a passport of the Russian Federation and SNILS, as well as a certificate confirming income (in the form of a bank or 2-NDFL). Additional collateral or guarantee is not required.
The loan is issued not only to individuals employed, but also to individual entrepreneurs and business owners, which is an undoubted advantage of this financial product. Also in the advantage can be distinguished early repayment without fees. Contact phone number: 8800200 53 03.
OTP Bank
Rating: 3.9
The rating is completed by a financial institution whose consumer credit was issued by many borrowers who need sums for non-earmarked expenses. Loyal conditions made almost all categories of citizens. And although the percentage is calculated from the assessment of the financial viability of the client, it is quite acceptable compared to many other market offers. The minimum rate is from 10.5%.
The application is reviewed within 15 minutes. After this period, the client learns about the decision. For registration of the loan amount up to 200,000 rubles, only a passport of the Russian Federation without certificates confirming income is sufficient. Requirements for borrowers are standard: age from 21 to 68 years, the presence of citizenship of the Russian Federation and a permanent residence permit, a positive credit history. Borrowers with overdue loans are also provided at the discretion of the bank, but then the interest rate may increase to the maximum (19.5% per annum).
The advantage of this proposal is that the loan can be issued not only to employees, but also to individual entrepreneurs. Many appreciated the mobile application of the bank, where you can always monitor the status of the account. Also, he will always remind you about the next payment. Telephone for communication with operators: 8800100 55 55.
Attention! This rating is subjective, is not advertising and does not serve as a guide to the purchase. Before buying, you should consult with a specialist.
