Do you need a loan, but you are absolutely not guided by the current offers from banking institutions? Apply only to trusted places that are included in the rating of banks with low interest rates on consumer loans. Below are the top banks in which you can quickly get a consumer loan on the most favorable terms and not miscalculate. In general, interest rates on loans in banks vary from 11.3 to 15%, however, each company has different conditions for applying for a loan, from which you can easily choose something for yourself.
Where it is best to get a loan is up to you, but we have prepared the most up-to-date information on where you can get a loan at a minimum interest rate, where it can be done most quickly, and where - without any difficulties and excessive requirements for the borrower.
Low-interest consumer loans are available at the following banks:
: cheap and fast
This is another reliable bank where it is quite possible to get a loan at a low interest rate. The only difficulty is that the exact rate will be announced to you only after studying your documents attached to the application, so that you can count on the minimum interest on loans only if you have a certificate of income and a good credit history.
A consumer loan is processed and considered here rather quickly, so it is ideal for those who urgently need money.
Online application for a loan at Bank Renaissance Credit:
: low rate, but have to wait
In Alfa Bank, taking out a bank loan at a low interest rate is also not a problem. The conditions are written out very clearly, without any "pitfalls". The site provides a convenient calculator for calculating the most favorable conditions for the borrower. However, the exact interest rate will be announced to you only after the approval of the application.
Here you can get a loan on 2 documents (a civil passport and the second at the borrower's discretion), and although the money is issued on the day the application is approved, it often takes 1 to 2 days for its consideration.
Online application for a loan at Alfa-Bank:
: fast, profitable and for everyone
Rates on loans from RaiffeisenBank here are similar to offers from Alfa Bank, but the application is considered many times faster. Within an hour, you will find out the answer, and if approved, you can collect the money on the same day. This is a great option for those who need a loan urgently and at a good interest rate.
A loan with a bad history can also be obtained here without difficulty. Moreover, the company offers its borrowers a refinancing service that allows them to cover old debts, which is very convenient.
An online application for a cash loan is available to all citizens of the Russian Federation who have reached a certain age. At the same time, a large number of credit programs are provided for different categories of clients.
Online loan application at Raiffeisen Bank:
: not too fast, but beneficial for everyone
Quite a good rate on a loan for consumer credit in SKB Bank (commensurate with the offers from Alfa Bank and Raiffeisen) and loyal requirements in relation to the borrower are the unambiguous advantages of the bank, however, to apply online, you will have to wait 1-2 days until the application is received reviewed by representatives of the bank. Refusal of a loan from this bank is unlikely.
Online application for a loan at SKB-Bank
: consumer credit quickly and easily
A large number of loan programs, almost instant processing of applications (up to 10 minutes) and the ability to get a cash loan without a certificate of income puts UBRD Bank on a par with the leaders of the Russian market.
To save on the interest per annum, you can apply for a loan under two documents: provide your civil passport and a certificate from the place of work confirming your work experience (at least 3 months) or an individual entrepreneur document, and you can get a consumer loan on the most favorable terms of this bank.
Online application for a loan at the Uralkom Bank for Reconstruction and Development:
: guaranteed "yes" for everyone
This is a great option for those who are looking for a better place to get a loan without excessively high requirements for the borrower. For any case, a separate loan program is provided here. The unemployed with pensioners, for whom special conditions are offered, were no exception.
A consumer loan can be either 5 thousand rubles or 30 million. It all depends on what documents you are ready to submit, but the likelihood that the application will be approved even in the absence of income certificates, from the place of work and other documents (with the exception of a passport) is almost 100%.
Online application for a loan at Sovcombank:
: variety of programs, large loans and fast processing
Loan rates at VTB banks in Moscow are slightly higher than at the rest, but here you can get loans for the largest amounts. Clients with bad credit history are treated loyally here and even offer a refinancing service.
A large number of loan programs is a guarantee that you can easily find something for yourself. The speed of processing the application will also please. Just 15 minutes and you will be given the exact answer.
Online application for a loan at VTB Bank of Moscow:
: not too expensive, not too difficult, not too long
A consumer loan from Home Bank can be obtained with a high probability. It doesn't matter if you do not have a certificate of income, because the loan is issued from. The loan rate is far from the highest, and the processing time will delight those who need a loan today, that is, on the day the application is made. You only need to wait 2 hours to get a response from a bank representative, and then immediately go to the branch for money.
Online loan application at Home Credit Bank:
: consumer loan for any occasion
A variety of loan programs allows you to easily choose an option both for those who have problems with their credit history or those who do not have a certificate of income, and for those who want to save money by presenting all the necessary documents. Consideration of an application usually takes a minimum of time - from 5 minutes to several hours, however, it is possible that this procedure takes several days.
On the plus side, one can note the absence of strict restrictions in relation to the elderly - a cash loan can be obtained even at the age of 76, which is very rare for modern banks. Also, East Bank is one of the few banks that issue.
Online application for a loan at Orient Express Bank:
- one of the lowest interest on a loan
Binbank offers the borrower the lowest interest on the loan. However, it is possible to issue a loan at 11.99% only if you plan to take it for a period of 12 months. In general, in B&N Bank you can take a loan for up to 7 years, but in this case the rate will be slightly higher (from 13.99%), so it is better to take a loan for a shorter period. Moreover, in addition to the standard package of documents, here you will definitely need:
- official confirmation of the level of income;
- certificate from the place of work;
- exceptionally good credit history.
Many people simply do not know which bank has the lowest interest rate on consumer loans, due to the lesser popularity of B&N Bank. Nevertheless, this is a reliable lender who has been working for about 25 years and has managed to earn the trust of many borrowers due to the absence of hidden fees, rather simple registration and incredibly favorable lending conditions.
The only drawback of B&N Bank is not too fast processing of the application, which can take up to 2 days. However, such terms are typical for most banking institutions in Russia.
