Today there is a very small list of companies working with young people. Basic requirements include official employment and age over 21 years. Let's look at the list of banks where you can take out a loan from the age of 18, as well as the requirements they put forward.

List of banks lending from 18 years of age

Few banks provide loans to 18 year olds. The easiest way to get a loan for a minor is to take out a targeted loan, for example, for education. A loan can be obtained from the age of 14, subject to the presence of guarantors in the form of parents or close relatives.

Before you apply for a loan, you should familiarize yourself with all the possible options and only then make your choice. Do not agree to offers with an interest rate higher than 17% - this is too high.

If you need a consumer loan, but you do not want to indicate its purpose, you can get money in the form of transport or real estate, or by attracting guarantors. Still, there are several options in which you can do without collateral.

Among the most advantageous offers are:

1. Credit Bank of Moscow- “Non-target without collateral.” The minimum age for registration is 18 years. You can borrow up to 3 million rubles at a rate of 10.9%-20% for a period of up to 15 years. Collateral and guarantors will not be required, as well as certificates confirming income. If you refuse personal insurance, the interest rate will increase by 3 percentage points.
2. Post Bank- “First Postal”. You can apply for a loan without confirmation of purpose from the age of 18 at a rate of 12.9% - 23.9%. The available amount is from 50,000 - 1,000,000 rubles, which must be repaid within 60 months. For a fixed rate, a one-time commission of 3.9% - 6.9% of the total amount is charged. Collateral, proof of income and insurance are not required.
3. Sovcombank- “Standard Plus”. If the client is 20 years old, he can use a program that allows him to borrow an amount from 40,000 to 300,000 rubles for 12 months at an interest rate of 12-19%. Guarantors, insurance and collateral will not be required, but you will need to provide proof of income. There is no commission.
4. Tinkoff Bank- a company operating via the Internet. The organization does not have ATMs or branches; all operations are carried out online. To receive it you need to fill out an application. If the bank makes a positive decision, the debit card will be delivered by mail. There will be an amount on it that can be withdrawn after activating the card at any ATM without commission. The maximum approved amount can reach 2,000,000 rubles, the interest rate is from 10%, the repayment period is 3 years. The minimum amount that can be withdrawn is 3 thousand rubles. It is possible to reduce the interest rate by providing collateral.

The leader among companies working with youth is Sberbank. offered in several programs:

• With the involvement of a guarantor- the amount will be from 30 thousand rubles to 3 million (5 million if you receive a salary from Sberbank). The rate starts from 11.9%, the repayment period is from 3 months to 5 years. You can apply for a loan from the age of 18 with the participation of your parents.
• Without guarantee- the maximum amount will be no more than 3 million rubles at 12.9%, which can be taken from the age of 21.
• Secured by personal real estate- the program offers an amount of up to 10 million rubles for 20 years at 12.4%, you can apply for it starting from the age of 21.

The package of documents includes passports of all parties to the contract, and family ties with the guarantors. Work experience must be at least 6 months.

It is also possible with a limit approved by the banking company. You can get the product from the age of 18 at MTS Bank, Renaissance Credit Bank or others.

An important condition is the presence of an official source of income, which is supported by relevant documents.

By creating an information platform for selecting microfinance organizations, our team pursued an important goal - we wanted to create the most comfortable conditions for receiving cash loans. Accessibility is also of great importance to us. Student loan on the map from 18 years old- from this area. Everyone needs money, and sometimes the most unusual situations happen in life.

Elementary Watson!

In order to receive loans instantly from 18 years old, our clients only need internet access and a passport. The registration process is as simple and intuitive as possible, no complicated instructions. You only need to follow a few steps:

• choose the microfinance organization you like, having first thoroughly studied its conditions (interest rates, loan term);
• fill out an application for a microloan, indicating reliable and up-to-date information;
• wait for the answer and, if the result is positive, take the money.

Take loans in rubles to the card urgently can students from 18 years old, as well as people without an official place of work. We do not need income certificates confirming your solvency, guarantees from third parties, or collateral. Only a passport! You can spend the loan at your discretion: pay for studies, buy necessary things or services.

Making out loans online from 18 years oldvia the Internet, please note:

• You will need a computer or any gadget with Internet access (tablet, smartphone);
• valid mobile phone.

A win-win

When we say that loans are issued to virtually all of our clients, we are not lying. In 97% of cases this is true. Refusals, as a rule, occur where the user filled out the form incorrectly or entered inaccurate or irrelevant information about himself. To increase your chances of successfully resolving the issue, we recommend sending your application to several microfinance organizations at once. Having received approval from two or three companies, you have every right to choose from them the most suitable one in your opinion.

Loans onlinefast and reliablefrom 18 years old without refusal– save time with us!

The procedure for registering and receiving money takes a maximum of 10-15 minutes. You do not need to visit the company office or spend money on travel. You can getloan in rubles from 18 years old instantly on the map, account, by transfer through Contact, Unistream or Zolotaya Korona, to an electronic wallet. Choose the method that is most convenient for you.

First loan free

You no longer need to visit dozens of bank branches to get a loan. You can issue loans promptly to the card 24 hours a day at any convenient time from 18 years old. At the same time, many microfinance organizations are ready to offer you special conditions. In particular, for new clients there is the possibility of an interest-free loan.

Safety first

Don't worry about the safety and confidentiality of your personal data. They are securely encrypted and protected in accordance with current legislation.

Make out loans online from 18 years old without refusal from professionals and get money instantly.

Having left the family nest as a student or gone to the so-called “free bread”, young boys and girls are faced with problems that are more serious than a failed test or unrequited love. We are, of course, talking about financial troubles, in attempts to solve which many of them make even more mistakes.

So, don’t rush to transfer to a part-time job for the sake of working part-time as an animator in a local shopping center. It’s better to read our material about lending, because a loan from the age of 18 is now not so uncommon for Russian banks.

TOP 10 banks giving loans from 18 years of age

We are not supporters of formal tops compiled on the basis of the popularity of a particular financial institution, the visibility (read: intrusiveness) of advertising and similar factors. Our editors offer you the most honest rating of banks that provide loans from the age of 18.

So, the list of banks is as follows:

• Post Bank;
• Credit Bank of Moscow;
• Home Credit;
• Zenith Bank;
• Alfa Bank;
• Oriental;
• Renaissance Credit;
• Sovcombank;
• Promsvyazbank;
• Raiffeisenbank.

The rating is based on open information about lending conditions in the mentioned banks (minimum rate, average monthly payment, the need for collateral and additional documents, etc.), the number of borrowers and their satisfaction with lending in a particular institution.

Compare	Name	Rate, from (%)*	Age, years	Term	Min. amount, rub	Max. amount, rub
	Cash loan	8.9 %	18-60	5-60 months	5 000	1 000 000 Application
	Cash loan	9.9 %	22-69	1-7 years	10 000	1 000 000 Application
	First postal	9.9 %	18-65	1-5 g.	50 000	1 500 000 Application
	Cash loan	11.99 %	21-70	1-5 g.	50 000	3 000 000 Application
	Cash loan	9.9 %	20-70	24-60 months	-	700 000 Application
	Non-targeted loan	10.9 %	18-65	6-180 months	50 000	3 000 000 Application
	Consumer loan	10.99 %	23-67	1-5 g.	-	2 000 000 Application
	Consumer loan	9.9 %	18-65	1-5 g.	15 000	1 000 000 Application
	Consumer loan	9.9 %	20-70	12-84 months	50 000	3 000 000 Application

/*In fact, there are several more financial institutions lending to young people. However, we included only the best organizations in our top, so that our readers could not only find out which banks provide loans from the age of 18, but also find out where it is more convenient and, most importantly, more profitable to get such a loan.

You can find more detailed information about banks and specific lending programs in the following sections.

Submit an online loan application from the age of 18

In pursuit of the “most profitable loan” that you learned about from TV or, even worse, from an advertisement at a bus stop, you can fall into the hands (or rather, the paws) of unscrupulous lenders.

A better way is to contact the nearest bank branch whose name you know. Unless, of course, the queues, 99% consisting of women very much beyond Balzac's age, do not scare you.

And still. We are with you on the Internet, in a place where you can weigh the pros and cons for each proposal and choose one best.

View offers →

Although, to be precise, no one prohibits submitting several online loan applications at once. Considering the variety of banks that provide loans from the age of 18, you can submit a request to each of them and finally make your choice after receiving all the answers. For example, you can choose the institution whose employee contacted you faster than everyone else and/or was extremely polite. Also, do not forget the following: even at 18 years old, you can take out a loan on individual terms.

TOP loans from 18 years old with passport

18 years is not only the time when you have no idea what kind of business you want to connect your life with, but also the age where, as a rule, you only have a passport and, at best, a library card or driver’s license. .

How to cope with such a difficult matter as consumer lending if clerks require a bunch of papers and certificates with scary names? Don’t despair and don’t rush to officially find a job: it’s possible to take out a loan from the age of 18 with a passport, you just have to find out how.

Compare	Name	Rate, from (%)*	Age, years	Term	Min. amount, rub	Max. amount, rub
	Cash loan	8.9 %	18-60	5-60 months	5 000	1 000 000 Application
	Cash loan	9.9 %	22-69	1-7 years	10 000	1 000 000 Application
	First postal	9.9 %	18-65	1-5 g.	50 000	1 500 000 Application

/*

The best cash loans from 18 years of age

In general, to be frank, you can only get a cash loan from the age of 18 (and indeed at any other age) at a microfinance organization stall near the local market.

Please note that the activities of such “stall” MFOs are often illegal and, as a rule, not regulated by the Central Bank and other authorities that control the financial sector. We strongly recommend becoming clients only of licensed organizations: both banks and IFCs.

In “classical” financial institutions the term cash loan is often nothing more than a marketing ploy, which means that hardly anyone will give you a pack (or even several) of banknotes.

Usually the money is transferred to an account or card. In the first case, you can manage your funds by making bank transfers or withdrawing the entire loan amount at the bank’s cash desk; in the second, by withdrawing money from an ATM or paying for purchases with a card.

There are often cases when, in pursuit of loyal customers, the bank is ready to provide free courier delivery of plastic with credit funds personally to the borrower. This is how Tinkoff works, for example.

The best cash loans for borrowers over 18 years of age:

Compare	Name	Rate, from (%)*	Age, years	Term	Min. amount, rub	Max. amount, rub
	Cash loan	11.99 %	21-70	1-5 g.	50 000	3 000 000 Application
	Cash loan	9.9 %	20-70	24-60 months	-	700 000 Application

/*

Student Loans: Rating of Offers

Where there are 18 years old, there are students. Specifically, the author of this article is familiar with the situation when you need to make a choice between breakfast and a token for travel by public transport to your native Alma Mater. Will a student without a job be able to get a loan? Let's figure it out.

Even though all self-respecting banks constantly strive to keep up with the times and follow modern trends, the issue of lending to persons under eighteen years of age is still very sensitive for most financial and credit institutions. And although upon reaching the age of eighteen a person becomes fully able to work and can begin to engage in work, banks are very reluctant to lend to this category of borrowers.

At first glance, every bank constantly strives to attract as many new clients as possible to its ranks. However, as soon as a young man of 18 applies for a loan, as a rule, he is immediately refused. There is always a reason, when checking documents and certificates, to inform such a client about the refusal to provide a loan. And here it all comes down to the fact that most banks are very afraid to risk their funds by providing a loan to such a young and not entirely reliable borrower.

You can find fault with anything, including an unformed, that is, empty, credit history. After all, everyone has long known that one of the most important criteria for choosing a client is his ideal credit dossier. But At the age of 18, a person, as a rule, does not yet have his own credit history, and therefore, the bank cannot understand whether it is worth trusting such a client with financial resources.

However, despite such sad statistics, there are also banks that, despite the enormous risks, still lend to this category of borrowers. Of course, a young person in one of these financial and credit institutions is unlikely to be able to count on receiving a large loan, such as a mortgage or a car loan. There are very few banks in Russia that can afford such a serious risk.

​However, not everything is as scary as it might seem at first. A young borrower who can competently justify the purposes of his lending and the sources of his income can receive a loan. But at the same time, you should not count on a fairly large loan amount; in most cases, people who have just reached the age of majority can count on a loan of up to 100,000 rubles.

Thus, it is quite possible for every 18-year-old citizen to receive a targeted loan for a small amount. The main thing is to comply with the requirements of the bank.

To guarantee his chances of getting a loan from a bank, an 18-year-old borrower must:

• It is necessary to be a citizen of the Russian Federation with registration in the locality where the financial institution is located. Coming to a foreign city and trying to get a loan there is completely useless. No bank will do this for sure.
• In addition, in order to win the bank over to its side, the potential borrower must have a constant source of income and a stable place of work. Therefore, before going to the bank, the borrower will need to prepare a certificate from the accounting department about income for the last six months (2NDFL) and a certificate from the place of work (indicating the position held). These two documents must be stamped and signed by the head of the enterprise or company where the borrower works. Of course, it often happens that a young man has a good income, but does not receive money officially. If such a situation arises, the bank may make a concession and ask to submit a certificate of income, but not 2NDFL, but in a free form specified by the bank. The main thing is that this document is in the hands of the borrower. Since if a person of eighteen years old has no sources of income at all, then most likely the bank will not consider his application at all. You must understand that a bank needs guarantees of debt repayment, and the more there are, the more “accommodating” the financial institution will be.
• Also, a borrower who wants to take out a loan will need to provide the bank (if he is a man) with a document that can confirm his deferment from service in the armed forces of the Russian Federation or, if he passes it, a military ID. After all, if he is unexpectedly called upon to repay his military debt to the Motherland, then he will not be able to repay the loan accordingly. That's why banks will never give a loan to someone who is about to go to serve.
• Most likely, in order to take out a loan, a young man will have to provide the bank with certain guarantees of debt repayment. It must be said that liquid collateral in the personal property of the borrower can act as collateral here. This could be his car, land, housing, securities, etc. That is, everything that, if the borrower fails to fulfill its debt obligations, can subsequently be sold by the bank to cover the losses incurred.
• Moreover, the borrower can also provide the bank with solvent guarantors or co-borrowers as guarantees. Their role can be played by anyone, from parents to friends. The main thing is that their total income meets the conditions of the given bank.
• You can also obtain insurance and issue a policy in case of disability of the borrower. This is also a good option, which banks very often consider when making their verdict. That is, if there are any guarantees, the bank will definitely take this into account, and the borrower will have a good opportunity to get a loan on more favorable terms.
• If an eighteen-year-old borrower is legally married, and the spouse also has a permanent job with a guaranteed income, this will undoubtedly play into the hands of the potential borrower. In this case, the joint income of both spouses will be taken into account when calculating the loan.

If a person complies with all the requirements described above, he will have a real opportunity to receive a targeted loan on fairly favorable terms.

If the bank for some reason denies you the legal right to receive a loan, then you can consult on this specific situation with our online lawyer, who will be happy to answer all your questions.

You can ask your question in the form located at the bottom of the page.

Question: Is it possible to take out a loan from the age of 18 with a passport? Which banks give loans from the age of 18?

Answer: Previously, before the 2014 crisis, sometimes, but very rarely, banks carried out temporary promotions to issue specialized consumer loans to students over the age of 18 without work and even schoolchildren over the age of 14 (subject to the presence of adult co-borrowers), but after 2014 no one else conducts even such promotions, now banks approve consumer loans to persons over 21 years old (usually 23-25), very rarely.

The exception is credit cards - in 2016 there are still banks that issue credit cards to people over 18 years of age (more details below) and microloans that are issued by microfinance organizations, but they are not banking products.

Main reasons for refusal

But what is the reason for this behavior of banks. Why is it that in Russia it turns out that borrowed money is actually not available to 18-year-old people, although it is on the basis of the legislation of the Russian Federation that a person becomes an adult upon reaching the age of 18?!

Reasons for discrimination:

• lack of life experience for an 18 year old person
• lack of financial stability (constant income, etc.)
• most often the absence of any valuable property
• indiscipline of such borrowers
• inability to adequately perceive reality and make decisions
• reluctance of banks to take on additional risks from working with such borrowers (there are already enough risks)
• economic crisis

To the above, only one thing should be added - the worse the economic situation in the country, the stricter the banks’ requirements for borrowers. It is at such moments that banks come to the understanding that they need to stop issuing loans to just anyone and start working only with solvent borrowers. While in the “fat times” banks behaved in a radically opposite way - they tried to lure even schoolchildren into a web of debt. And in the USA this practice is generally the norm.

Which banks give

A good and frequent question: which banks give loans from the age of 18?

AGAIN! After the 2014 crisis, banks do not provide consumer loans from the age of 18 and very rarely approve secured loans, that is, at the moment the maximum number of bank loan programs applies to the target audience of 21 - 65 years old. The exception is credit cards!

A pleasant surprise in the field of consumer lending in 2016 is an offer from Home Credit Bank.

One of the few options for a young man who is looking for borrowed money from legal lenders is this is a bank credit card.

As of 2016, there are still banks in Russia that issue credit cards from the age of 18.

Credit cards, by and large, can be equated to consumer loans, only with them (with credit cards) the situation is even simpler - you apply for a card, wait for approval, they give you a card with a credit limit and either cash it out or make purchases.

To prove that before 2014 the situation with lending in the country was radically different, we present a list of banks that provided loans from the age of 18.

Name	Sum	Term	Bid	Age
Sberbank	up to 3,000,000	up to 5 years	from 16.5%	from 18
AK Bars	up to 1,000,000	up to 5 years	from 15.5%	from 18
ICD	up to 3,000,000	up to 15 years	from 15%	from 18
MTS Bank	up to 1,000,000	up to 5 years	from 17.5%	from 18
Rosselkhozbank	up to 1,000,000	up to 5 years	from 17.9%	from 18
Expert Bank	up to 200,000	up to 3 years	from 16%	from 18
Khanty-Mansiysk Bank	up to 750,000	up to 7 years	from 17.5%	from 18

Read also

How to get your insurance back after repaying the loan

And here is a list of banks that issue credit cards from 18 years of age in 2016.

Loan only with passport

Passport loan– This is a regular consumer loan without collateral. Usually, of course, the bank requires any other document - in order to be guaranteed not to run into a fake passport, but there are a lot of banks that approve loans only on one document.

Microfinance companies do this especially often.

The only important question in this aspect remains: where to get a loan from the age of 18 with a passport? It turns out that the task is doubly complicated:

• first, you need to find a lender who approves loans based on only one document
• secondly, find a lender who approves loans from the age of 18 - this is the lowest repayment threshold

Which banks give loans from 18 years of age with a passport?

As stated above, we are afraid that none, with the exception of credit cards, but they are not issued with just one passport!

But there are other options where you can direct your search:

• microfinance organizations
• pawnshops
• private investors
• credit exchanges, such as BezBanka.ru

Microfinance organizations (MFOs). We should also talk about microfinance organizations. MFOs approve loans to anyone and everyone with a minimum set of documents. From microfinance organizations you can take out a loan from the age of 18 with a passport, but is it worth doing?

After all, a microloan is not a bank loan! While a regular loan is issued on more or less humane terms, microloans are issued at a rate of 2% per day, and with huge penalties and interest. A microloan of 5,000 rubles can leave you mired in debt.

Do you need it?

But for informational purposes, we will provide a list of microfinance organizations that approve a loan from the age of 18 with a passport (there are actually about 1000 companies, we will list the most famous of them).

Name	Sum	Bid	Age
MoneyMan	up to 30,000 rub.	from 0.75% per day	18-70 years
Kredito24	up to 20,000 rub.	about 2% per day	18-70 years
Ecabbage	up to 15,000 rub.	1.9% per day	18-60 years
Zaimer	up to 15,000 rub.	0.63% per day	18-60 years
Honestly	up to 10,000 rub.	2% per day	18-75 years old
My Loan	up to 30,000 rub.	1% per day	18-65 years old
SMS Finance	up to 30,000 rub.	1% per day	18-65 years old

Pawnshops. Pawnshops issue microloans secured by equipment, jewelry and fur coats. I brought the goods, showed my passport, got a loan - everything is simple, nothing at the bank. But in pawn shops the daily interest on the loan tends to the interest in the MFO, and the amount of the collateral assessment tends to zero. But if you need money urgently, then for 18-year-olds, this is one of the most realistic options to get money.

Private investors- the same as borrowing from relatives. You don’t need any paperwork, except your passport data, all that’s left is to find a fool who will lend you money if your relatives haven’t borrowed money for you (after all, that’s why a person is looking for loans). But among advertisements from private investors, 99% are scammers, and the remaining 1% are bandits. Choose for yourself which is better...