Top 10 banks to refinance a loan

Sometimes it is impossible to repay several loans taken on different days and from different banks. Confusion begins, there is not enough money, and overdue payments are also formed. Not to mention the fact that the percentages are terrible. In this case, the situation is able to help out refinancing. This is a great way to reduce the price of the loan and facilitate payments. In addition, as a result of refinancing, if you choose the right bank, you can significantly reduce the annual interest rate and extend the payment period, that is, at the same time, and reduce payments per month. It is important to remember that this is a target loan, so you have to spend it on refinancing and provide certain documents that are able to confirm this. Otherwise, the bank will raise a few points.

But how to choose the best bank to refinance? We suggest to get acquainted with our rating. In it, we have selected the best offers of banks for refinancing consumer loans. In the top only profitable and convenient programs for those who are ready to transfer all loans to one bank and get rid of overpayments. But remember - we specify only the minimum bid and conditions, how to achieve it. And individually, the bank can count a completely different percentage.

Top 10 banks to refinance loans

The table shows all the conditions of banks on refinancing loans selected for our rating. This will allow you to get acquainted with the best offers on the Russian market in brief, before proceeding to the detailed descriptions.

Bank	Amount, rub.	Term	Rate% per year
FC Opening	from 50 thousand to 5 million	5 years	from 8.9%
Sberbank	from 30 thousand to 3 million	5 years	from 11.5%
Alfa Bank	from 50 thousand to 1.5 million	5 years	from 11.99%
Promsvyazbank	from 50 thousand to 3 million	7 years	from 10.4%
Agricultural Bank	up to 750 thousand	5 years	from 11.5%
Raiffeisenbank	from 90 thousand to 2 million	5 years	from 11.99%
BinBank	from 50 thousand to 2 million	7 years	from 10.49%
Gazprombank	from 50 thousand to 5 million	7 years	from 11.4%
Ak Bars Bank	from 100 thousand to 2 million	7 years	from 11.5%
VTB	from 100 thousand to 5 million	5 years	from 12.5%

Now it's time to get acquainted with the top of the best banks for refinancing. Each of them stands out for something special.

10 VTB

And it opens a rating of a large state bank with excellent reviews from customers, but not the best loan refinancing program in the top. Allows you to take from 100 thousand to 5 million rubles and return them within 5 years. The minimum rate depends on the loan amount and starts from 500 thousand, where it is fixed. Below - from 12.9% and above.

The bank allows you to combine the most loans and credit cards - up to 6. So it is ideal for those who have a lot of debt. It is important to remember that the institution does not refinance loans taken from banks of the VTB Group, not counting its own loans. More favorable terms are offered for return periods for corporate or payroll clients - they have an additional two years to get a refund. Their status does not affect the bet.

9 Ak Bars Bank

The bank provides relatively small loans ranging from 100 thousand to 2 million rubles. In this case, they will need to be returned for a period of 13 months to 7 years.You can redeem this way up to 5 credits at a time. The fixed minimum rate of 11.5% does not depend on the amount and term. Only on the availability of insurance or a salary card - if they are not there, then it can grow to a total of 14.5%.

The good conditions for individual entrepreneurs and businessmen who decide to use refinancing are pleasing - only 0.3% is added to the rate for business owners and individual entrepreneurs. I am glad that to repay a loan in Ak Bars, you can use virtually anything - the client has a mobile bank, terminals and bank branches, and even a very convenient mobile application. For the rest - a typical loan without any features.

8 Gazprombank

Gazprombank is ready to offer customers from 50 thousand to 5 million rubles for refinancing. It is possible to repay the debt in 6 months minimum and 7 years maximum. The interest rate depends on the term of the loan. If you take a loan for 5-7 years, it will be 14.25%, while the amount can not be less than 300 thousand rubles. If less, then 11.4%. For a loan of 3 million or more, you will need to get a guarantee of at least one solvent citizen.

As always, Gazprombank boasts the best loan calculator. On it you can literally calculate everything - from the required amount to the amount of overpayment on the loan in the bank. In addition, it allows you to find out the required minimum income or calculate the possible limit depending on the requirements and income of the client. It is very convenient and helps to understand what to expect from the bank in the final decision. Interestingly, the bank is ready to accept guarantees for individuals legal. At the same time, the size of the credit limit can be increased if the legal entity offers a larger amount of guarantee than its upper limit.

7 BinBank

The institution offers customers to take from 50 thousand to 2 million rubles. The repayment period is from 1 to 7 years, so payments can be made completely insignificant. You can repay at the expense of the bank only 3 loans. I am glad that the staff on the site posted a great infographic to illustrate the profitability of their refinancing.

For the minimum rate will have to be an employee of the public sector or the salary client of the bank. In addition, it is very desirable to issue insurance and / or financial protection. This will not only increase the value of the client in the eyes of BinBank, but will also provide additional guarantees for the repayment of the loan. This is actually the complete financial and physical protection of the client from force majeure. Although it costs a little more, the benefits are obvious.

6 Raiffeisenbank

Raiffeisenbank is a very good option for refinancing consumer loans. He offers not the largest amount - from 90 thousand to 2 million rubles. But on the other hand, it allows refinancing a loan without the consent of the current lender and receive additional money for consumer needs. It will have to be returned within at least 13 months. The maximum period is 5 years. The institution is ready to reduce the interest rate to 9.99% for the second and subsequent years of refinancing. But only if you connect a special program of financial protection. Otherwise the rate will remain unchanged.

The bank promises to consider the application for at least an hour, raising the time for consideration in rare situations. This is convenient when the solution is needed with maximum speed. Interestingly, the institution allows you to refinance up to 5 loans. But they must be of different types. That is, to get refinancing of five credit cards or five consumer credit will not work - a maximum of 3 ordinary or 4 cards is allowed.

5 Agricultural Bank

Excellent offer, especially for holders of payroll cards and public sector employees. You can only get up to 750 thousand at a time. But there is no minimum limit on the amount.To get the minimum rate you don’t need to be clever - it’s enough just to take out a loan and get insurance for it. You need to return the money within 5 years. The bank is ready to provide the best conditions to public sector employees and payroll clients. And if the borrower is “two in one”, then he can count on a rate of 10%, and not 11.5%, like ordinary people. In addition, these categories of customers can repay a loan for 7 years.

Unfortunately, you can refinance only three loans, so this option is not suitable for literally overgrown clients. But the Agricultural Bank allows you to select one of the four payment days in the month for maximum convenience. An important caveat - you can increase the amount of the loan to refinance at the expense of co-borrowers. It is unpleasant that the loans chosen for refinancing should not be restructured or prolonged earlier.

4 Promsvyazbank

Convenient service and comfortable conditions are available for those who want to transfer loans to Promsvyazbank. You can return the loan taken within 1-7 years. Minimum will get 50 thousand rubles. The maximum refinancing amount is 3 million. There is absolutely no collateral required, even for large loan amounts. The bank does not specify how many loans it is ready to refinance. So if there are a lot of them, it is better to clarify this point in the department.

I am glad that the institution provides an additional service "Credit holidays". In its framework, the client may postpone payments for two months. Conveniently, if suddenly there were temporary difficulties. In addition, it is acceptable to refinance prolonged or restructured loans. All that is needed is that there is no current debt on them, and for the last 6 months there have been no problems with the repayment of the loan.

3 Alfa Bank

And it opens the top three yet another system bank in the country with good customer reviews. Alfa-Bank offers quite favorable and convenient conditions for refinancing. The institution offers from 50 thousand to 1.5 million, which can be returned within a period of 2 to 5 years. You can refinance up to five loans or credit cards. The bank allows you to receive a part of funds in cash for your own needs, and not just for refinancing. I am glad that Alfa-Bank does not force customers to purchase insurance - the annual rate does not depend on it.

There is a small nuance. To get the best rate, you need to take at least 700001 rubles for refinancing. From 25,000 rubles, the rate will be 14.99%, and from 50 thousand rubles - 16.99%. Salary customers and employees of partners are provided with convenient conditions - they increase the credit limit to 3 and 2 million, respectively, and salary workers also have a repayment period of up to 7 years. In addition, lower rates are slightly lower for them.

2 Sberbank

The most reliable bank in the country with hundreds of branches in each city and positive feedback from satisfied customers. It is not difficult to get a refinancing loan here, you do not even have to look for an office. Offers an average rate for a loan with relatively good conditions. Allows you to take from 30 thousand to 3 million rubles for a period of 3 months to 5 years. Low minimum period is convenient if the amount is small or if you want to close the loan quickly.

The rate is fixed and depends on the loan amount. Up to 500 thousand, it will be 12.5%. If we take more than this amount, it will be 11.5%, that is, the possible minimum. You can collect up to 5 credit cards or ordinary loans under the roof of one bank. Interestingly, Sberbank does not refinance its own credit cards, while the cards of other banks have no problems. So it is worth considering this when applying for refinancing.

1 FC Opening

The bank allows you to take a loan to refinance one or more consumer loans on very good conditions.In the Opening you can get from 50 thousand to 5 million rubles, returning them within 1-5 years. In this case, you can put together up to 5 credits, including "card" credits. The bank also offers financial protection for the client for the entire refinancing period, which can be convenient in some situations. No commissions and penalties on the proposal are provided.

Interestingly, Otkritie FC offers the best minimum rate among all banks in the rating - only 8.9%. You do not need to be a payroll client or meet some other criteria. It is enough to be solvent and credible. When making a loan for restructuring, the bank will issue a plastic card as a gift. An important clarification is that refinancing is not arranged for individual entrepreneurs and people who work for individual entrepreneurs.

Popular vote - which bank is better for refinancing loans
We vote!

Ak Bars Bank

Alfa Bank

Binbank

VTB

Gazprombank

Sberbank

Promsvyazbank

Agricultural Bank

Raiffeisenbank

FC Opening

Other

Total voted: 14

Vote results