8 banks with low interest consumer loans
Russians have been using the consumer lending service for more than a dozen years. This made it possible for many to immediately receive the goods for use, and not to save money on it for several months, and sometimes years. If they used to take out a loan, not really reading the contract, now everyone has become financially literate and do not want to overpay for loans.
Banks offer various lending programs. It is difficult to choose who to turn to. Our experts analyzed the financial services market and included 8 banks with a low percentage of consumer loans in the rating. In compiling it, reviews of real borrowers were taken into account.
Rating of banks with a low percentage of consumer loans
| Nomination | a place | bank | rating |
| Rating of banks with a low percentage of consumer loans | 1 | Sovcombank | 5.0 |
| 2 | Renaissance Credit | 4.9 | |
| 3 | Raiffeisenbank | 4.8 | |
| 4 | Sberbank | 4.7 | |
| 5 | Home Credit Bank | 4.6 | |
| 6 | Tinkoff Bank | 4.5 | |
| 7 | Bank East | 4.4 | |
| 8 | OTP Bank | 4.3 |
Sovcombank
Rating: 5.0
The first place is occupied by the bank, which offers customers several different programs. The most popular is the proposal with a very low rate of 8.9% per annum. Conditions are quite standard, it is not necessary to collect a large package of documents. 100,000 rubles for consumer needs are given to a citizen of the Russian Federation aged 20 years with an official employment and permanent registration. The loan repayment period is 12 months. Making a loan is quite simple. The application is quickly processed, and this day you can get money on hand.
Other bank programs are also beneficial for customers. The standard rate starts at 11.9%. With a bad credit history, it can increase significantly. Tariffs provide different amounts of issue. The maximum limit in the “Superplus” package is 1,000,000 rubles. If you need a quick loan for urgent needs, then “Express Plus” will be suitable with approval up to 40,000 rubles. The return time is from 1 to 5 years.
Borrowers noted that the bank had developed one of the most lucrative offers on the market, which could be used by thousands of Russian citizens. The answer comes in a few minutes, the design is also very fast. For pensioners there are social lending programs. You can call from any region of Russia at the toll-free number: 8800200 66 96.
Renaissance Credit
Rating: 4.9
On the second line of the rating is a bank where you can get a loan for your own needs in an accelerated mode. After submitting the application online, you can find out the solution in 1 minute. If the answer is positive, the money is issued on the day of registration. You should only have a passport of the Russian Federation and a second identity document. The maximum limit is 700,000 rubles. It depends on the bank's assessment of the reliability and solvency of the borrower. The amount can be set by the financial institution or at the request of the client.
Refunds are carried out in a period of 2 to 5 years. The minimum loan rate will be 9.9%. Bank branches are located not only in large regions, but also in many cities of the country, therefore consumer loans are available to almost all residents of Russia.
According to reviews, approval is received by the majority of citizens who have submitted an application. Many highlighted the competence of employees, efficient and competent work with each specific client, instant receipt of money. Bank lending programs have been recognized as one of the most profitable to date. Preferential categories of borrowers can count on improved terms. Contact phone number: 8800200 09 81.
Raiffeisenbank
Rating: 4.8
The third place in the rating is given to a bank that has developed profitable consumer lending programs. The borrower can get the amount up to 2,000,000 rubles. This is one of the biggest limits in the financial market. Approval is immediate except for negative credit history. You can receive funds at the bank’s cash desk or, if desired, via courier (this service is free).
The rate starts at 11.9%. But the benefit lies in the fact that from the second year of using borrowed funds it is recalculated at a reduced rate - 9.9%. Fully repay the debt must be up to 60 months. For registration will require a minimum set of documents: up to 300 thousand rubles. - Passport of the Russian Federation, up to 2 million rubles. - passport, certificates of income and employment. Guarantees even with the maximum limit is not necessary.
Clients were satisfied with the conditions proposed by the financial institution. Everything happens very quickly. With small loan amounts, it takes several hours from filling out an application to receiving money. The rate is low, the percentage of approval is high. All information about the loan is presented on the website. If you have any questions, the operators will answer them by phone: 8800700 91 00.
Sberbank
Rating: 4.7
On the fourth line of the rating is a bank, which is trusted by the majority of Russian borrowers. And even at the rates offered above by other financial institutions, it is in Sberbank that they receive consumer loans. The undoubted advantage is the fact that programs for all categories of citizens, including pensioners, are presented here. The application is very quickly completed, the decision is also not long to wait.
State employees and payroll card holders enjoy benefits. They will need only a passport of the Russian Federation. A few minutes after approval, the money is transferred to the borrowers. The maximum limit is 5000000 rubles. The repayment period is up to 60 months. The lowest interest rate is charged at 11.9%. Early repayment is possible at any time without applying penalties.
Consumer loans are available to citizens of the Russian Federation, who are already 18 years old, and their experience at the last place of work was 6 months. Payment calculation is possible in the online calculator on the site. Bank customers have noted that they choose him for reliability and stability. Approval is received by many applicants for the first time. Then, when re-applying, they are serviced at more favorable rates. Telephone: 8800555 55 50.
Home Credit Bank
Rating: 4.6
The fifth place in the ranking is occupied by a bank offering a wide range of credit products. Borrowers with different levels of income will be able to choose the best deals for their individual conditions. The decision is made instantly. Approved 90% of applications. A loan can be obtained very quickly, all you have to do is to submit only a Russian passport. The maximum possible amount is 1,000,000 rubles. For full repayment of the debt is given up to 7 years.
The rate starts from 9.9% and depends on the client's assessment by the bank. Basic requirements: citizenship of the Russian Federation, age 22 years old, permanent registration, stable income and a positive credit history. The mobile application is convenient for monitoring account balance and online transactions. Payments are made in equal installments monthly. You can close the loan completely ahead of time. Commissions and fines are not charged for this.
Borrowers appreciated the fast process of getting money in their hands, customer focus of a financial institution, a high class of service, and special rates for pensioners.Continuous cooperation gives the opportunity to use preferential loan programs. All bank offers can be found on the official website or by phone number: 8800700 80 06.
Tinkoff Bank
Rating: 4.5
The sixth line of the rating is occupied by a popular bank among the population, which should not be visited. Everything happens online, and the courier brings the cash card to the address indicated (cash can be removed from it completely free of charge). The borrower must present the passport of the Russian Federation and begin to use the funds at 12% per annum. The interest rate can be reduced to 9% at the initiative of the financial institution after assessing the reliability of the client.
The maximum possible limit is 2000000 rubles. Up to 3 years is given for repayment. For convenience, you can download a mobile application or use the Internet bank. They are recognized as the most accessible interface. The commission is not charged for depositing funds into the account. Replenishment is possible in various most convenient ways. Early repayment is possible at any time without penalty.
According to reviews, the bank offers a lighter version of the lending process. Sitting at home, you can get the right amount for urgent needs without references and guarantors. Many appreciated loyalty to borrowers. Almost all applications are approved. Customers with a not very good positive history can also get a loan, but at a higher percentage. Calls throughout Russia are free. Telephone Number: 8800555 77 78.
Bank East
Rating: 4.4
The seventh place in the rating is given to a bank in which almost everyone who approves approves a consumer loan. A customer with a good credit history can expect low interest rates and more favorable terms. The application is sent through the site. The answer comes in a few minutes. Registration does not take much time. The client will need only a passport of the Russian Federation without providing certificates of employment and income and without guarantors.
The lowest rate is 11.5%. The maximum limit is 500,000 rubles. On the site, you can pre-calculate the amount of overpayment and the mandatory payment. It is paid monthly, either by depositing cash into an account, or by online transfer. Early full or partial repayment is possible. You must write an application at the bank office and specify the amount of the net payment.
According to reviews, this is one of the most loyal banks to its borrowers. Even with a bad credit history, you can get cash on hand. If the contractual obligations are treated in good faith, the interest rate decreases on the next circulation. A variety of programs allows you to choose the most profitable. Details of each can be obtained from the operators by phone: 8800100 71 00.
OTP Bank
Rating: 4.3
The rating is completed by a financial institution whose services are used by many Russian borrowers. OTP Bank - on the eighth line. The maximum limit is quite high. He is 4000000 rubles. The rate varies from 10.5 to 14.9% and depends on the client's solvency and on his credit history. The solution can be obtained within 15 minutes after sending the application. The term of use of borrowed funds increased - up to 7 years. Customer requirements are no different from other banks. These are citizenship of the Russian Federation, permanent registration and place of work, age from 21 years. Pensioners will be offered preferential terms with a certificate.
Making payments is possible in different ways. Today, the bank’s branches are located in 3,700 locations of the Russian Federation, which allows residents not only of large cities, but also of small cities to use its financial offers. For issuing a loan and for its early repayment of additional fees is not charged. The application can be downloaded and used in the future for free.
All respondents left positive feedback on the service, competent bank employees. Many noted the option to postpone the payment date to a more convenient one. By calling the hotline you can find out in detail about tariffs and consumer lending programs: 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.
