Top 10 banks for consumer loans

Sometimes you urgently need to take money somewhere. And then a consumer loan may become a necessity. This is a good way to close a financial hole that has suddenly formed or to acquire something that is necessary. But there are a lot of offers on the market - it is difficult to decide which bank to trust.

An important feature is that you need to choose a consumer loan not only by the size of the interest rate. After all, other parameters can seriously affect the conditions and convenience of the recipient. In general, the mandatory criteria that are worth paying attention to include:

1. Interest rate. It is logical that the lower it is, the more profitable it is to take a loan and the less your money will eventually have to be paid to the bank.
2. Loan terms. On the one hand, the more it is - the easier it is to pay. On the other hand, the interest will drop a lot. But the very possibility of taking a loan for a longer period will delight individual customers.
3. Amountwhich the bank is ready to allocate (from and to). An important parameter, due to which it is possible to determine whether the maximum loan size is enough and whether the minimum will not be too large.
4. Fame of the bank itself and its stability. It will be very inconvenient if at one terrible moment the bank is liquidated. So it is better to choose more stable options.
5. The size of the required package of documents. Some financial institutions are willing to give a loan even without an income certificate. Whereas for others you need to collect an impressive set of different pieces of paper.
6. Speed getting a loan. It is logical that the money you want to get quickly. And, as a rule, leading banks make out a loan within 24 hours, without torturing the client with a long wait.

In our ranking, we collected the best consumer loans from leading banks in the country. Based on the parameters of loans and the actual experience of borrowers, we have compiled the TOP 10 most attractive institutions in the country. You will find specific loan products with comfortable conditions.

The rating indicated the minimum percentage of the loan. Remember that in fact it may be higher, and it depends on many reasons. The bank determines the size of the annual rate individually, depending on the size of the loan, term, client's solvency, and so on.

Top 10 best banks for consumer loans

10 “On the security of existing housing” (Raiffeisenbank)

The parade of the best consumer loans opens with a large offer with a fixed annual rate of 11.99% for serious purposes. The pledge is also serious - you will have to provide your own apartment as a guarantee to the bank (while the loan / pledge ratio should be 60%). However, the opportunity to take from 800 thousand to 9 million rubles for a period of 1-15 years could not do without such victims.

Interestingly, Raiffeisenbank is ready to provide a debit card with free service for the duration of the loan repayment. This is done for the convenience of customers. There are no fees for issuing a loan - you only have to pay interest for the year.Naturally, you will have to provide an impressive package of documents - personal, confirming income and employment. In addition, you have to insure: property, personal and title insurance will leave the percentage unchanged. In the case of only the property (mandatory) rate may increase by another 3.2% (depending on the age of the client).

9 Consumer (Gazprombank)

Gazprombank is ready to provide lucrative loans in the amount from 50 thousand to 5 million rubles for a period of six months to 7 years, but with certain nuances. The minimum 11.4% can be obtained only if you take a loan with a security and calculate the amount of income. If you make a loan without collateral or specify a specific amount, the rate will be 11.9% or more. I am glad that the size of the maximum possible rate is low - only 14.75%. There are no commissions, but an income statement is required. For repayment, you can choose differentiated payments.

There are certain disadvantages. The bank takes a long time to consider the application - it can take 5 days or more. You can not easily take out a loan without insurance - its absence will add 1% to the annual rate. But on the site you can find a handy calculator that helps calculate the exact amount of a possible loan by several parameters. And immediately calculates and monthly payments, and overpayment, and even the necessary amount of salary. It is a pity that, in reviews, customers complain about slow and not always competent service, but there are also many positive answers - other users are pleased that, if necessary, the bank goes forward.

8 “First post 12.9%” (Pochta Bank)

A bank from the VTB Group, firmly merged with the Post of Russia, is ready to please a convenient loan at 12.9% per annum. But such a minimum percentage is available only when you activate the service "Guaranteed rate" and the amount of 300 thousand to 1 million rubles. If you take a loan from 50 to 300 thousand, then the rate will be at least 19.9%. Maturity standard - from 12 to 60 months. I am glad that the lack of insurance will not affect the final rate. You also do not have to confirm income or look for collateral for a loan.

The bank provides convenient additional services. The borrower can reduce monthly payments and select the most convenient payment date once a year. In addition, you can use the card to repay the loan at any ATMs of the VTB Group. But the negative points enough. The commission fee for the “Guaranteed Rate” service will be 1.9-6.9%, which is quite a lot. However, this will allow you to always pay the loan from 12.9%.

7 "Open" (Ural Bank for Reconstruction and Development)

A good loan at an attractive minimum rate of 11.99%. But the conditions for obtaining this rate need to be clarified in advance - the bank carries out an assessment of the borrower separately and, depending on this, exposes a percentage. UBRD allows you to arrange a loan in the amount of 50 thousand rubles to 1.5 million. At the same time does not take a commission for extradition. Credit can be returned in a period of 3 to 7 years. Mandatory insurance is not indicated anywhere, but they can try to impose it in the bank - they have repeatedly indicated this in the reviews.

You can get a loan in just two hours - that is how much the bank will reflect on the application. A preliminary decision can be found online, so as not to wait extra time in a hot office. From the documents it is enough to provide a passport and certificate of income. But approval requires work experience of 3 months (IP - from 12 months) and income from 11,100 rubles. Yes, the bank provides loans to individual entrepreneurs, provided that they have a certain length of service and relevant documents without any problems.

6 "Cash" (Tinkoff Bank)

Tinkoff is ready to provide borrowers from 50 thousand to 1 million rubles, which can be returned in the period from 3 months to 3 years. The minimum rate is indicated at 12%. When examining a lender, the bank reserves the right to calculate a loan using a different percentage. But if you pay without a single delay, then at the end of the payments, Tinkoff will recalculate the interest to lower (up to the same 12%) and return the difference. The loan is provided without collateral, certificates, guarantors, compulsory insurance. In addition, you can get a loan with a pledge of a car or an apartment, the interest there will be even lower, and the terms will be more - 11% / 5 years and 9.9% / 15 years, respectively.

Service at registration pleases. The borrower is provided with a debit card without annual service at the time of the loan. To sign a contract and clarify some of the nuances, the bank manager Tinkoff can come to the borrower home. He will bring a card with credit money to the house and give it to the owner if the contract is concluded. By the way, it is Tinkoff consumer loans that are ranked first by customer reviews. But, oddly enough, while some of the borrowers blamed the bank for insurance imposed, but it can be turned off at check-in.

5 "Cash" (Home Credit)

The institution allows you to take as small loans of 30 thousand, and fairly large loans of up to 500 thousand rubles. You can return the money in terms of 12-60 months. Interestingly, Home Credit is ready to give money to current customers of the bank at 10.9% per annum and up to 999 thousand rubles. Allegedly, the loan is approved in 2 hours. And you can issue it without security, proof of income, payment of commission, purchase of insurance. Nothing but a passport is required.

You will receive a loan at the bank’s office directly to an open account. If you wish, you can provide the SNILS. Of the mandatory requirements - a permanent registration in the region in which the loan was taken, which is not very convenient. In the reviews, it is noted that unscrupulous employees often activate the Financial Protection service as part of loan processing. It is worth clarifying this point when signing the contract, if the service is not needed.

4 "Cash" (Alfa-Bank)

A loan for wealthy people who suddenly needed more money. Alfa-Bank offers a loan in the amount of 50 thousand to 3 million rubles. The return period is from 1 to 5 years. Even for a maximum loan amount of 3 million rubles, no security or even insurance is needed. Only income certificates will suffice (at least 10,000 rubles a month). But to get the minimum rate is not so easy - it is used only when issuing a large loan in the amount of 700,001 rubles. You will also need to have an income of at least 90,000 rubles, a foreign passport with a recent departure to another country and a relatively new car.

There is no upper age limit at the time of loan repayment. That is, even deep old people can take a loan - there would be income for return. The disadvantage is that you need a landline phone, which is not currently in every home. The bank provides the opportunity to choose the date of the monthly payment, so it will be convenient to fit it to the terms of wages or other income.

3 "Seasonal" (East Bank)

And a small loan from 25 to 500 thousand with a fixed rate of 11.5% makes its way into the top three. The percentage will not change depending on the solvency or the time of the loan. Terms of return - from 13 to 36 months. The institution promises to consider the application in 15 minutes. When you make a loan there is no commission, you do not need proof of income and collateral. However, if the borrower is suspicious, the bank may ask for additional documents or a pledge. Insurance is also optional, but possible.

It's nice that the borrower at the time of repayment may be already 76 years old, so the loan is available even for retirees. In addition, no permanent registration is required in the region where the loan was granted - it is enough to be registered in any city in Russia where there is a branch of Vostochny.A special offer is valid in the bank until December 31, 2018 - if you recommend an institution to a friend, and he turns to him for any product, the invitee will receive 1,000 bonus rubles for each person. You can use it to make your loan payment a little easier. In the reviews, users note that the bank is loyal to its customers - they can meet, the service is unobtrusive and polite.

2 “More documents - lower rates” (Renaissance Credit)

The name of the vice-leader of the rating speaks for itself. Renaissance Credit offers a reduced rate of 11.3% to anyone who has already taken loans and always paid them on time. Enough to have a clean credit history. The institution may issue from 30 to 700 thousand rubles. And the return will be from 24 to 60 months. You can pick up the desired money on the same day. Accelerate the online application procedure, which can be used as prior approval.

I am glad that the current clients of the bank can get a loan remotely without visiting the office. After that, it will be enough just to transfer money to the office of any bank - there will be no commission for this. But it’s not very good that you need to have a permanent residence permit in the region of receiving a loan or at least a regular official job there. But the loan is issued without compulsory insurance. But documents on employment and solvency will be needed, so it’s worth getting them.

1 “Personal” (Raiffeisenbank)

Excellent loan, deservedly occupying the first line of the rating. The bank is ready to provide the borrower from 90 thousand to 2 million rubles, which can be returned 1-5 years. Premium customers can get from 250 thousand to 5 million. There is one caveat - a fixed rate of 10.99% is given only when the program of financial protection is activated, otherwise - 16.99%. But there is no commission, as well as the need for collateral and guarantors. You will need only a passport, certificate of income and a copy of the workbook. By the way, you can even confirm an informal income.

I am glad that there is a delay of the first payment for 2 months, if the money is really tight. As a gift to the loan - a free debit card MasterCard Standard, which can be used to pay off debt. It will be delivered to the house by the courier. A bank customer, along with a card, is offered discounts of up to 30% for the bank’s partners (of which there are more than 4,000) and a nice cashback. Separately, it is worth noting the financial protection program - it covers all possible unpleasant outcomes, from job loss to the borrower's death. Its cost is calculated individually at the time of processing the loan.

Popular vote - which bank is best for consumer credit
We vote!

Alfa Bank

Tinkoff Bank

Raiffeisenbank

Gazprombank

Home Credit Bank

Ural Bank for Reconstruction and Development

Mail Bank

East Bank

Renaissance Credit

Sberbank

VTB

Other

Total votes: 4

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