In 2019, banks are ready to offer unofficially working people a profitable consumer loan in Moscow, issued with a minimum set of documents. The offer is valid for all adult residents of the city who have a passport and a stable income without official confirmation. You can apply for a cash loan in Moscow without certificates or guarantors online on our website.

Terms and requirements

Moscow banks can select a loan according to the optimal loan program, taking into account the applicant’s income and the documents on hand. Favorable conditions are offered to clients who have a good CI and a constant source of income.

To quickly get money in hand, the applicant needs to fulfill several requirements of the lender.

Basic conditions for clients:

• original passport;
• registration in Moscow or the Moscow region;
• age – from 18-21 to 75 years inclusive.

The list of documents required to apply for a loan can be found on the website.

Bank offers

Loan conditions are different, which depends on the chosen program and the set of documents in the hands of the applicant. Some banks set low interest rates on loans secured by real estate or a car. Good conditions are also offered to salary clients and pensioners.

Higher rates are set for loans issued using two documents, without proof of income, as well as for programs involving the issuance of funds to borrowers with a bad credit history.

Where can you get a loan:

• BystroBank is a universal loan based on 2 documents, without an income certificate. The maximum amount is 300,000 rubles for 24 months. at 11.5% per annum.
• Renaissance Credit Bank - a profitable loan for pensioners in the amount of up to 200 thousand rubles at 10.5%. Repayment terms – up to 24 months.
• Post Bank – cash loan up to 1.5 million rubles at 10.9% for up to 24 months. You can apply using 2 documents, without proof of income.

How to get a cash loan without certificates and guarantors at MSC?

The website contains a complete list of banks where you can urgently take out a loan without income certificates and guarantors in Moscow in cash. You can fill out an application and receive a response from the lender within 10-30 minutes.

Completing the application step by step:

• We choose a bank for cooperation.
• Click the “Submit Application” button in the column of the selected financial institution.
• A form to fill out will appear in a new window. Enter your data following simple prompts.
• We submit a completed online application for a loan in Moscow in one click by clicking on the appropriate button.

The lender will notify you of its decision on the day of your application by phone or email. Receive money immediately after signing the agreement at the bank office.

List of banks where it is possible to get a loan without certificates, guarantors and collateral: the most loyal banks for obtaining a consumer loan and credit card.

If all banks refuse a loan due to bad credit history, getting a credit card may be easier. Banks are more loyal to bad CI when issuing credit cards, but the limit amount will be low.

• The interest rate is from 17.9% to 34.9% per annum, depending on the client’s age and credit history. There is a chance to reduce the rate to 0% on the promotion with the Halva card;
• Age – from 20 to 80 years.

Tinkoff Bank credit card:

• Amount – up to 300,000 rubles;
• Rate – from 24.9% from 12% per annum with an interest-free period of 55 days and installments up to 1 year. 120 days without interest if you repay other loans with the card.

Tinkoff cash loan:

• Amount – up to 1,000,000 rubles;
• Rate – from 14.9% from 12% to 28.9% per annum;
• Duration – from 3 months to 3 years.

• Loan amount – up to 500,000 rubles;
• Rate – from 9.9% per annum;
• Duration – up to 5 years;
• Age – from 25 to 70 years;
• Income from 8,000 rubles per month, permanent job.

You can also get a credit card from Renaissance Credit Bank:

• Amount – from 3,000 to 300,000 rubles;
• Interest rate – from 19.9% ​​per annum, for cash withdrawals – 45.9%;
• Commission for cash withdrawal – 2.9% + 290 rubles;
• Age – from 24 years;
• Card maintenance is free.

Only if you are not an individual entrepreneur and you have not been overdue for more than 90 days:

• Loan amount – up to 3,000,000 rubles;
• Interest rate – from 13.9% from 9.9% per annum;
• A certificate of income is required, age from 23 years, salary from 40,000 rubles.

• Loan amount – from 15,000 to 1,000,000 rubles;
• Interest rate – from 10.5% to 38.4% per annum;
• Loan term – up to 5 years;
• Age – from 21 to 65 years.

• Loan amount – from 5,000 to 700,000 rubles;
• Interest rate – from 9% to 41% per annum;
• Loan term – up to 5 years;
• Age – from 21 to 70 years;
• Work experience at the last place from 1 month.

• Loan amount – up to 1,000,000 rubles;
• Interest rate – from 11.5% per annum;
• Loan term – up to 5 years;
• Age – from 21 to 75 years;
• At least 3 months of work experience at the last place of work is required, for persons under 26 years old - from 1 year.

Vostochny also offers a 0% APR credit card for 56 days with a credit limit of up to 120,000 rubles. But in fact, the bank will approve no more than 15,000 rubles if you previously had arrears.

• Loan amount – up to 1,000,000 rubles;
• Interest rate – from 7.9% per annum;
• Borrower age – 22-69 years;
• Loan term – up to 7 years.

At Home Credit, it is easiest to get a loan of up to 100,000 rubles, but you must have official place of work and total experience of at least one year + there should be no large delays.

• Loan amount – from 50,000 to 300,000 rubles;
• Interest rate - from 18.9% to 26% per annum;
• Loan term – up to 7 years;
• The borrower's age is from 21 to 75 years.

It is important that the bank issues a loan only according to your passport and immediately, but you should not have any open delinquencies in other banks or delinquencies of more than 30 days in the past! Also, your work experience at your last place of work must be at least 3 months, and your total work experience must be at least 12 months.

If you need a credit card without proof of income, then UBRD issues cards with interest-free period of 120 days, which applies to cash withdrawals and purchases.

• Loan amount – from 30,000 to 300,000 rubles;
• The interest rate after the end of the interest-free period is 30.5% per annum, withdrawal fee is 5%;
• Age – from 19 to 70 years;
• Service fee – 1,500 rubles per year.

• Loan amount – from 30,000 to 500,000 rubles;
• Interest rate - from 19.9% ​​to 29.9% per annum;
• Loan term – from 1 year to 5 years;
• Age – from 23 to 70 years.

• Loan amount – from 50,000 to 1,300,000 rubles;
• Interest rate - from 9.9% to 25.5% per annum;
• Loan term – from 3 to 5 years;
• Borrower age – 23-70 years;
• Minimum length of service at the last place of work is 3 months;
• For persons under 27 years of age - military ID.

You can take out a loan without certificates and guarantors even without official work, but this can not be done in every bank. There are banks that treat such clients more loyally than others, but they have to pay for this opportunity with higher interest rates.

To obtain a loan or card from the presented banks, you must have a passport of a citizen of the Russian Federation, and your age must be at least 21 years old. In most cases, an income certificate (2-NDFL) is not needed, but you can fill out an income certificate using the bank form, this has a positive effect on approval and lowers the rate. This method is often used by clients who work informally.

Even with a bad CI you can get a loan!

Credit history is the main condition for issuing a loan, but the bank’s decision is also influenced by:

• Unpaid child support;
• Availability of claims against you;
• Unpaid fines;
• A large number of administrative offenses, including traffic police fines;
• Having a criminal record;
• Debts for housing and communal services;
• Your income (certificate 2-NDFL - “last century”, income is verified through the Pension Fund of the Russian Federation. It is very good if you have a work record book or contract. An extract from the card account confirming the transfer of salary is also suitable);
• Reliability of information in the loan application! The slightest lie can deprive you of the opportunity to get a loan not only now, but also in the future.

The bank can give you a loan even if you have been in arrears, but you should not have problems on the above points. Otherwise, the most you can count on is refinancing your loans or a program to improve your credit history. If banks do not give you a loan, take a long-term loan from an MFO, the rates on such loans are much lower than “before payday”, and the chances of getting money from an MFO are greater than from a bank.

Banks that do not check credit history

It is a myth! Absolutely all banks check your credit history, but there are nuances.

Part 3.1 of Article 5 of Federal Law No. 218-FZ of December 30, 2004 “On Credit Histories” obliges each bank to cooperate with at least one credit history bureau (BKI) for the mutual exchange of information about borrowers. Before approving a loan, the bank is obliged to assess the borrower’s risk of not repaying the money.

At the same time, the bank It is not always possible to obtain complete information about the borrower’s loans, since this information is “scattered” among different bureaus. This means that the lender may not receive information not only about overdue payments, but also about disbursed loans, which positively characterize the client.

The bank may indicate on its official website which financial institutions it cooperates with. But we do not recommend abusing this, since banks comprehensively evaluate clients. You can get a loan with a bad credit history if you do not try to deceive the bank and clearly confirm your ability to repay the loan on time.

If there are no problems with your credit history

The “100 days without interest” credit card with a limit of up to 500,000 rubles is now one of the most popular products. The card is also suitable for refinancing other loans, its rate starts from 11.99% per annum after the interest-free period. You can withdraw up to 50,000 rubles per month from the card, also without interest for 100 days.

The card is issued to persons over 18 years of age. Card maintenance costs from 590 rubles per year.

If you need a large amount of cash, you can apply for a cash loan up to 1,000,000 rubles. The rate is the same as on the card - from 9.9% per annum. But the requirements for a loan are stricter: age from 21 years and current work experience of at least 6 months.

The loan rate at Otkritie Bank starts from 10.9% per annum with insurance, and from 12.9% per annum without insurance. But the first year the rate is the same for everyone: 9.9% per annum. You can borrow up to 5,000,000 rubles for 5 years.

Requirements for the borrower: age from 21 years, work experience - from 3 months, total experience - from one year, and there should not be an individual entrepreneur.

Otkritie also has a credit card with an interest-free period of 55 days, then 19.9% ​​per annum. The limit on the card reaches 500,000 rubles. There is a 2-6% cashback, and the card itself is free, issued to persons over 21 years of age.

At Raffeisenbank you can easily get a loan of up to 2,000,000 rubles at a rate from 10.99% to 15.9% per annum for a period of 1-5 years. But there is such an opportunity if you are at least 25 years old and earn at least 25,000 rubles a month at a job where you work for at least 6 months.

Important condition: without certificates, you can get up to 300 thousand rubles from Raffeisenbank.

Raffeisenbank also has a 110-day interest-free credit card from which you can withdraw cash without commission for up to 2 months. The limit on the card is 600 thousand rubles. The cost of service is free when spending over 8,000 rubles per month, otherwise 150 rubles per month.

Bank requirements to receive a card: age from 23 years, work for 6 months with an income of 15,000 rubles (for Moscow and St. Petersburg - from 25,000).

MTS is not only a mobile network, but also a bank. MTS Bank issues up to 5,000,000 rubles for 5 years, but this is to clients with an impeccable credit history. The easiest way is to get a loan of up to 50 thousand rubles and for a shorter period. The rate is from 10.5% to 24.9% per annum.

Requirements for the borrower: age from 27 years, employment, in addition to a passport, you need a SNILS, registered ID or international passport.

MTS Bank has an exclusive offer: a credit card with a fixed payment. You pay 30 rubles per day for using the loan, the loan must be repaid by the 20th of the next month. If you do not have time to repay, the rate will be only 10% per annum. After repayment, money (30 rubles per day) is not withdrawn.

The limit on the card is 150,000 rubles; persons over 27 years of age can apply for it.

Let us immediately warn you that if you have current arrears on other loans, then taking out a loan from most banks will be quite problematic. This is especially true for loans overdue for more than 30 days. And it is unrealistic if the delay is more than 90 days. In this case, you can only count on a loan secured by a car or real estate. Or take out a microloan from a microfinance organization.

There are banks that are more loyal than others to small overdue payments of up to 30 days, especially if they have already been repaid. The list of loyal banks for loans is presented above.

We also note that with a bad credit history, it is more realistic to get a credit card than a loan. The amount on the card will be small, but there may be an interest-free period and the opportunity to improve the CI, and this is a chance to get a loan in the future.

Ideal borrower

Who do banks never refuse loans to? Portrait of an ideal borrower.

The best age to obtain loan approval is 23-65 years old. Even if the conditions indicate a minimum age of 18 years, the most desirable borrowers are people over 23 years old (younger people can get a loan, but they need more certificates and a stable income). In some banks the minimum threshold may be higher.

The bailiffs should not be looking for you. Or at least the amount of your debts according to the FSSP should not exceed 10 thousand rubles, and this does not depend on loan debts or fines, for example, from the traffic police.

There are no traffic police fines or other administrative offenses.

A large number of offenses often result in a loan being denied. Pay the fines and only then submit your application.

• There are no long-term debts for housing and communal services.

  There are no alimony debts. Banks and others really don’t like “alimony payers.”

  Your passport must be valid and not wanted.

  You do not have the status of an individual entrepreneur (IP).

  Very often banks refuse clients with individual entrepreneurs. In this case, you need to look for banks that provide loans to individual entrepreneurs or receive loans under special programs for business development.

• You have a permanent job.

  Banks do not issue loans to the unemployed; there must be at least income without employment according to the work book (in this case, you will need to provide the bank with a certificate of income in the form of the bank, an agreement with the organization with which you work, an account/card statement about regular receipts of money). If none of this is available, then only secured loans or microloans are possible.

• You can provide at least 2 phone numbers: one is yours, the second is your employer’s (or at least a relative’s or friend’s).

• You have no more than 4 active loans.

  In this case, you need to refinance the loans: combine them into one. When refinancing, the bank can issue additional money for any needs. For example, you have 4 loans for a total amount of 500,000 rubles, you apply for a loan for 600,000 rubles, of which 500,000 will be spent on refinancing, and 100,000 will be your money. As a result, you have money and only one loan, and with a lower rate.

• The total amount of monthly payments on the current and requested loan should not be more than half of the monthly income.

  If it is less, you may need collateral or a guarantor, otherwise reduce the loan amount.

• You have no debts to the microfinance organization.

  At the time of applying for a bank loan, you must have closed all microloans.

• You weren't bankrupt.

  If you have gone through bankruptcy proceedings, you will not be given a loan without collateral or guarantors.

• No criminal record.

  You cannot have a criminal record, especially for articles related to financial fraud.

• You have no more than 2 children.

  A large number of children, especially with a low income, can cause refusal.

What cannot be included in a loan application?

• Passport details of an invalid (expired) passport.
• Someone else's passport details.
• Inaccurate information about work and salary. Banks no longer make a request to the employer, but to the Pension Fund (PFR), where your data on income deductions is stored (hence, the banks know your real salary) and your place of work, length of service, etc.
• A phone number that is not registered to you. For this reason, MFOs are often refused, since SMS serves as a signature in the contract. But banks can also pay attention to the identity of the phone number.
• Do not leave blank fields, even if the system allows it.
• If the application form has a field to indicate the purpose of the loan/loan, then do not write that you have no money, “have nothing to eat,” were fired from your job, and the like. This is a refusal! In this case, write that you need money before payday.

Even with an imperfect credit history, you are more likely to get a loan if you fill out the application honestly. A lie in the application is a minus in your credit history!

Remember, if you submitted an application to a bank and were refused, you can re-apply to the same bank (for a loan or credit card) no earlier than a month later! In some banks this period may be 3-4 months, so check the blocking period with the bank.

Our website provides excellent opportunities for those who want to take out a cash loan using a passport. Here you can get information about companies providing quick loans, their ratings and popularity among clients. Plus, you'll be able to understand what it will take to get your funds quickly and online.

Cash loan: what is the advantage?

An urgent cash loan is an opportunity to get money for urgent expenses, for example, purchasing some goods, repairing a car, or paying for a vacation. This method of receiving money is convenient for those who do not have an open account and a bank card: you just need a passport and an Internet connection. In just 15 minutes you can get an urgent express loan that will allow you to solve your money problems.

Modern microfinance companies offer many options for receiving money on a cash loan. Moreover, each organization has its own requirements.

1. The terms of the loan stipulate only the amount and term of its receipt. The loan interest rate has minimum and maximum limits, and therefore the exact percentage is determined based on how much loan is taken and for what period. If cash loans on the day of application are taken for a short period and the amount is small, then the interest will not hit your pocket. You can take out a loan for a period from one day to a calendar month.
2. The loan amount requested from a microfinance company can vary: from 500 rubles to several thousand rubles.
3. The requirements for borrowers in most companies are the same: Russian citizenship, age 18-65, registration in the region where the loan is taken. Some banks may require confirmation of the borrower's ability to work and the presence of a stable income that is sufficient to pay the loan.
4. To get a quick cash loan, you only need to provide your passport. As additional documents, the bank may require the provision of a TIN certificate, foreign passport, military ID, etc.

An application for quick money is considered from a few minutes to a day. If the application is accepted, the company draws up an agreement under which cash is issued.

How to get and repay a loan

Modern microfinance companies are ready to provide loans in the following ways:

• through a transfer system (for example, CONTACT),
• at the company office,
• courier to your home.

You can also repay your loan very simply:

• through money transfer systems (CONTACT),
• through payment terminals, for example, QIWI (Qiwi),
• at the post office,
• via bank transfer.

A passport loan is available to adult borrowers with a good credit history and a stable level of earnings. To count on receiving a loan only with a passport without certificates and guarantors with a low interest rate, try to apply for a loan at the financial institution through which payroll is processed.

Requirements for the borrower

To receive a loan without a passport income certificate, the borrower must meet the following requirements:

• Availability of Russian citizenship;
• Be registered in the region where the bank operates;
• Have a positive credit history.
• The length of service at the last job was at least 6 months, and the total length of service was at least one year;
• Have a stable income sufficient to fulfill loan obligations.

One of the advantages of obtaining a loan using a passport is the fact that you can submit an application online and find out the bank’s preliminary decision within a few minutes after filling out the application form on the credit institution’s website. For this:

If you are already a client of the bank, you do not even have to visit its office - the borrowed money can be transferred to your debit card or delivered by courier at any time convenient for you.

How is the loan repaid?

A passport loan without income certificates is repaid with monthly annuity payments by replenishing the borrower’s credit account. Account replenishment methods:

• In cash through ATMs or cash desks of a credit institution;
• By bank transfer from the accounts of another bank;
• By transfer from your debit account at the creditor bank;
• Automatic debiting of funds from wages;
• In terminals, communication shops, in Russian post offices using the loan agreement number.

In what cases should you not take out a loan using only your passport?

• If you can verify your income. Having a certificate of income will significantly reduce the interest rate on the loan and will allow you to obtain a loan on more favorable terms.
• If you need a loan for a large amount. In this case, the bank, firstly, may refuse the borrower a loan, and, secondly, even if the application is approved, it will offer a loan with a higher interest rate. To obtain a large loan from a bank, it is recommended to apply for a loan with a guarantee or collateral.

Banks of the Russian Federation offer the population profitable consumer loans, issued with a minimum set of documents. On our website you can apply for a loan online in Moscow without proof of income.

Applications are accepted around the clock. The registration procedure is simple and accessible to all Internet users.

Terms of loans without certificates

Loans to individuals without work certificates in 2019 are issued by reliable Russian banks, offering their clients various loan programs at a low interest rate with the possibility of early repayment of debt.

Basic requirements for the client:

• Russian Federation passport with registration;
• age from 18-22 to 70-76 inclusive;
• confirmation of solvency.

A consumer loan in Moscow without income certificates is a particularly advantageous offer from banks for clients without official employment. To confirm solvency, you can present bank account statements, a certificate of pension or social benefits received, a rental agreement for real estate that generates monthly income, etc.

You can urgently get a loan without 2NDFL for a large amount secured by a car or residential real estate. The client needs to provide documents for the property. The bank will necessarily carry out an assessment procedure, on the basis of which the available loan amount will be determined.

Which banks in Moscow give cash loans without certificates?

Reliable banks in Russia issue profitable cash loans without income certificates in Moscow under special programs developed specifically for solvent citizens with an unofficial stable income.

Our website presents all financial institutions in the capital that are ready to quickly approve an application for a loan without certificates of income for consumer needs.

Where to apply:

1. Renaissance - favorable lending conditions for pensioners at 10.5% per annum. The maximum amount is 200 thousand rubles. Repayment terms are up to 2 years.
2. Promsvyazbank – consumer loans at 9.9% per annum for up to 24 months. The maximum amount is 3 million rubles.
3. Sauber Bank – loans up to 1.5 million rubles secured by a car at 10.5% for a period of up to 24 months.

Which bank to choose to draw up the contract is up to you!

How to get a loan without certificates in Moscow?

You can get an online cash loan in Moscow using our service in 10 minutes, without leaving your office or home! The section presents current offers from financial institutions in the capital that issue loans for any purpose without refusal with a minimum set of documentation.

Stages of registration:

1. Select a bank and click the button on the right - “submit an application”.
2. We fill out the electronic form, indicating all the data requested by the program.
3. We send the completed form and wait for the bank’s decision.

The online application is processed quickly. The lender notifies you of its decision by telephone or email.

Where else can I get a loan without MSC certificates?

The bank did not approve your loan application? Try to register