On the Internet, many indicate information that they give out money only if they have a passport. In fact, there are few such credit institutions, since when considering an application, they require additional documents, for the design and preparation of which the client spends 2-3 days. Only after they are submitted will he find out the decision on the application, which may not always be positive.

Features of obtaining a loan for one document

There are no problems for obtaining a loan on a passport today. Banks are interested in the solvency of the client, and not the number of documents provided by him. For the most part, banks prefer to lend money to customers who meet certain criteria. The bank considers such requirements to be at least 23 years of age and having at least 6 months of work experience at the last place of work, permanent registration. Preference is given to clients with a positive credit history. In different banks, the age and period of work can be reduced.

Each bank has regulated and unspoken rules, according to which a client may be denied extradition! The reason for the refusal is not communicated to the client.

They check the reliability of the client, not only based on passport data. An important point in making a decision is a credit history, and with a bad history, the number of documents does not play a role.

Ways to draw up and conclude a contract

You can fill out an application and get a loan not only at a bank branch, but also remotely.

Distance forms include:

• registration of an application on the website of a bank or a specialized financial company;
• by telephone customer support.

It is possible to receive money:

1. Cash at the bank.
2. Transfer according to the details specified in the questionnaire.
3. Transfer of money as payment for the goods.
4. Enrollment on a salary card or opening a credit line for it.

Regardless of the method of receipt, it will be necessary to visit a bank branch to sign the documents or arrange a meeting with the manager (if such a service is provided) so that the documents for processing are delivered at a convenient place and time.

The validity period of a positive decision of the bank is 15-30 days, so the client has enough time to choose the most advantageous offer.

Read the terms of the agreement carefully. Pay attention to the due date and interest rate. Within 5 days, you can refuse bank services with full reimbursement of expenses.

Passport loan conditions

Issuing a loan with one passport often refers to express lending (on the day of application) or commodity, it is also common for regular customers or participants in a “salary” project.

Choose the type of loan that suits you. Consumer - allows you to plan the budget, since the schedule provides for a fixed amount of payment every month. The table shows banks that give loans only with a passport ⇓

Table - Tariffs for consumer loans

Name of the bank	Tariff name	Amount, rub.	Term, months	Rate, % per year
Post Bank	First postal	1 000 000	60	12,9
	Far Eastern	600 000	24	8,5
	Far Eastern preferential	600 000	60	10,5
Oriental	Seasonal	500 000	36	12
	equal payment	200 000	36	22,7
Renaissance Credit	More documents - lower rate	700 000	60	11,3
	For urgent purposes	100 000	60	19,9
	For bank clients	700 000	60	11,3
Sovcombank	superplus	1 000 000	60	18,4
	Monetary	100 000	12	12
	Universal	200 000	60	14,9
	Cash	1 000	60	11,5
Ural Bank for Reconstruction and Development	Open	1 000 000	84	11,99
Home Credit	Cash for new clients	500 000	36	14,9

A credit card provides an opportunity to save if not the entire amount is needed at once and returns part of the funds in the form of cashback, a grace period of 50 days is also possible, which means that it is possible to buy in installments without interest.

Table - Conditions for credit cards

Name of the bank	Amount, rub.	Rate, % per year	Grace period, days	Cashback, %	Annual service, rub.
		12	61	1-3	0
Tinkoff	300 000	15	55	3-30	590
HomeCredit	300	29,8	90-365	No	0
Alfa Bank	100 000	23,99	30-876	No	0
Citibank	300 000	22,9-32,9	50	Discounts up to 20%	0
Renaissance Credit	200 000	24,9			0
Ural Bank for Reconstruction and Development		27	60	10	1 500

Many banks are trying to protect themselves from the risk of non-return of funds and set rather high rates for the speed of receipt. If necessary, such a loan can be used to quickly solve financial problems, and after 6-12 months, apply again and draw up a new contract on more favorable terms.

According to the law " About consumer credit (loan)» all contracts provide for the possibility of early replenishment and a free refund method.

Express lending involves consideration of the application within 10-60 minutes, in some cases, the period is increased to 1 business day.

(+) The advantages of obtaining a loan with a passport are ⇓

1. Application processing speed.
2. Possibility to get a loan with or without a satisfactory history.
3. A large number of refund method.
4. Online service via Personal Area and mobile application.
5. Free issuance of debit cards in selected institutions.

If necessary, you can apply for two types of credit at once, if the income is sufficient to pay the payments. It is necessary to replenish the account in a timely manner in order to maintain a credit history.

How to fill out an application

The structure of the questionnaire is the same in all banks, with a slight difference in the number of questions regarding property and contact details.

1. Be sure to include personal and passport data, if required by the form.
2. Fill in information about the place of work and income. If you have an additional source of income, please list it to increase your chances of being approved.
3. Please provide information about the property you own.
4. Provide contact details of friends and relatives to confirm the information.

Never provide false information, the payment amount should not exceed 40% of the total income. If the bank agrees on the contract, then you will have to fulfill the obligations anyway, and in the absence of income, there is a high risk of violating the schedule, charging penalties and communicating with debt collection officers.

To consider the questionnaire remotely, be sure to give consent to the processing of personal data, which, after receiving a loan, can be withdrawn by writing an application to the bank.

How to get money when the bank refuses

If banks refuse to issue a loan, you can apply for a loan at a microfinance organization if you have a passport.

Table - Tariffs for loans without refusal

Name	Amount, rub.	Term, days	Rate, % per day
2.7 (53.89%) 36 votes

The Internet portal "Loan on the card" will become a reliable assistant, a guide to microfinance organizations (MFIs). Currently, there are many of them, not all of them can boast of an impeccable reputation.

When receiving a loan, you will have to cooperate with the organization for several months. In order to avoid unexpected problems, hidden conditions, interest do not surface, the choice must be taken responsibly.

Advantages of the Internet portal "Loan on the card"

1. On the site you will find, pick up profitable loans on the card urgently according to the passport. All you need is an ID to apply. We need passport data: series, number, address of registration.

If, due to circumstances, there is no passport on hand, but its data are known, this is enough to get a loan.

Loan on a card only with a passport

2. We work 24 hours a day, 7 days a week, without lunch, weekends, holidays. We understand that money can be needed at the most unexpected moment. The site is always available. A convenient search system, the visibility of offers greatly facilitate and speed up the choice.

3. Getcredit card passport as soon as possible. The portal contains MFIs that issue loans without guarantors, income statements, and other documents. The absence of bureaucratic red tape allows you to provide loans instantly, a few minutes after applying.

4. By choosing an organization on the site to get a loan on a card using a passport quickly, you will not get a refusal, because a credit history, the presence of credit obligations do not matter.

5. Microfinance organizations on the site are reliable. Risks, problems with the law, troubles are completely excluded. The Internet portal presents information about time-tested organizations.

ATTENTION! When applying for a loan on a card urgently using a passport, familiarize yourself with the terms, methods of return Money. This will avoid additional interest, penalties, and penalties when paying off the debt.

Important points when choosing a loan

Each microcredit organization offers different lending conditions. What to pay close attention to:

Minimum and maximum loan amount. Perhaps you need more money than the MFI provides. Some do not minimum amount loan, others have;

Loan term. The maximum loan term varies from a few days to several months. Typically, MFIs do not offer long loan repayment periods, but some provide long-term loans on individual terms;

Interest rate. The loan bears interest, the rate credit organizations is different. Familiarize yourself with it, evaluate how it suits you;

Ways to return money: in cash at the office, by transfer to the account, transfer and others;

Loan disbursement methods. The most convenient thing is to get a loan on a card only with a passport. There are other ways. MFIs issue money in cash, by transfer, credited to mobile phone transfer to payment systems;

Measures for late payments. If you cannot pay the required amount of money within the specified period, it is important to know what the penalty is. It's better not to let that happen. Fines, penalties, interest for late payments are significant;

Other conditions. MFOs are ready to offer new, regular customers special conditions, bonuses, loyalty programs. A preliminary careful acquaintance with the terms of the loan will help to avoid misunderstandings.

Our website contains a list of banks that are ready to offer only a passport. There is no need to waste time getting a certificate of income from work, finding your military ID or other documents.

Acquainted with loan offers and you can choose among them suitable for terms and conditions directly from your home or office. To get it, you need to use the online application - in this case, the request automatically goes to all banks in the city where you live.

List of banks

We offer to get a loan only in reliable and trusted banks, such as "", "Alfa-Bank", "Tinkoff", "", "", etc. The list on the site is quite extensive, but you can study it in a matter of minutes.

We also cooperate with MFIs that issue microloans for a short period and under low interest. Among the most popular are "", "", "", "", etc. All of them issue loans only with a passport.

The positive aspects of such lending are obvious:

• speed and ease of design. As a rule, the decision on extradition is made in a matter of minutes;
• minimum documents;
• saving time;
• high percent approval of applications. Credit history, as a rule, does not play a big role here. Even those who have delays on previously issued loans can pick up a loan.

Many banks issue not only a cash loan, but also offer a credit card, which is delivered directly to your home. Due to the interest-free (grace) period of use, in practice, a credit card can be more profitable than a loan. With it, you can safely store your money, pay without problems in online stores and shopping centers.

When choosing a loan, especially if you want to arrange everything quickly and with a minimum of documents. While you take the 2-NDFL certificate, while you make a copy of the work book and certify it, while you are looking for which second document is suitable for a particular organization, it may take 3-5 days. Can't wait that long? Here is a list of 10 banks where you can only take a passport. You won't need any other documents.

In these banks, only a passport is needed for a loan.

In Promsvyazbank, Homecredit and ATB (Asia-Pacific Bank) now up to 10%, and in Tinkoff and Tachbank you can get money without even visiting the office, as the application is sent via the Internet, and the courier will bring the card from which you can withdraw cash . In Vostochny, the largest limit on issuance, up to 15 million, and in SKB, although high rate, but it is possible. From the age of 18, MKB and Tinkoff will issue cash. The Post Bank works with all categories of the population, UbrRiR approves applications very quickly on the same day, and you can get it at Homecredit.

Promsvyazbank - 9.9% with a good history

• Amount: From 100,000 to 3,000,000;
• Term: From 1 to 12 years;
• Interest rate: From 9.9% to 14.9%;
• Age: 22-65 years;
• Probability of approval: 65%.

Promsvyazbank offers the best conditions to those who receive a salary on their cards or work in a reliable and trusted company. But the rest of the consumer loan is issued for any purpose for 1 visit to the office right on the day of application. The questionnaire can be filled out online, and after receiving approval, visit the bank, sign the contract and withdraw the money. The company is large, so you should only contact with a good history.

Touchbank - up to 1,000,000 online

• Amount: From 10,000 to 1 million;
• Term: From six months to 5 years;
• Interest rate: From 12.9%;
• Age: 21-65 years;
• Probability of approval: 85%.

Touchbank is a convenient online project, the daughter of a well-known Russian OTP Bank, offers to issue cash loans and credit cards online only with a passport, without leaving home. The courier will bring the Touch bank card to your home, and you can choose how to dispose of the approved consumer loan amount - get it in cash or use it as credit limit for card purchases. In the latter case - up to 61 days of the grace period.

MKB - from 9.9% without insurance and commissions

• Amount: From 750,000 to 5 million;
• Term: From 1 to 5 years;
• Interest rate: From 9.9%;
• Age: from 18 years old;
• Probability of approval: 90%.

The main advantage of the Moscow credit bank- issuing loans not just with one passport, but from the age of 18, from the very age of majority. In some cases, they can issue for a younger age, but guarantors will already be needed here.

The first three months can be under the action " credit holidays» reduce loan payments - if it is difficult to immediately pay a large amount.

The questionnaire is considered for no more than an hour, after which you can go to the company branch with a Russian passport to sign an agreement and receive cash.

Post Bank - cash near the house

• Amount: From 300,000 to 1.5 million;
• Term: From 1 to 5 years;
• Interest rate: From 10.9%;
• Age: from 21 years old;
• Probability of approval: 87%.

An important point - in the Post Bank, to receive money, you will also need SNILS. But this should not be a problem - everyone has it.

The decision is made in just 1 minute. You can now send a questionnaire via the Internet and in half an hour come to the nearest office for money.

It is convenient to take money close to home, as there are branches in almost every office of the Russian Post, and you can apply for a loan even right now, having received a loan on your passport on the day you apply.

Issued from the age of 21 to all citizens of the Russian Federation. Credit history is checked, but not denied even if it is damaged. True, the rate will be already from 15% to 20% per annum. The most important thing is that there should not be large debts and long open arrears.

Homecredit - issuance on the day of application

• Amount: Up to 1 million;
• Term: From 1 to 5 years;
• Interest rate: From 7.9%;
• Age: from 22 years;
• Probability of approval: 73%.

They issue loans on the basis of a passport, without requiring other documents, including income statements. But official work and an experience of at least six months is required - information about the employer is checked, and if you have provided false data, then you will be denied a loan.

It is necessary to indicate a landline phone: work, home, or at least the next of kin. It also requires citizenship of the Russian Federation, registration in the region where you apply for a loan and age from 22 years.

The most important: refuse to issue customers with bad story. If you have now or even had in the past large debts and late payments, it is better to look for more.

And if you paid off your debt on time earlier, you can get from 7.9%

Tinkoff - 12% on the passport without a visit to the bank

• Amount: Up to 1 million rubles;
• Term: From 3 months to 3 years;
• Interest rate: From 12% to 24.9%;
• Age: 18-70 years;
• Probability of approval: 90%.

Tinkoff Bank is exclusively virtual, it does not have an office that you can come to. Therefore, he issues express cash loans in the same way as Tachbank - he brings a card with money to the house by courier. If you take out a loan, they give out debit card, from which you can withdraw money from an ATM of any bank. If a credit card - up to 55 days grace period. Offers loans from the age of 18.

SKB-bank - a loan for 1 document with a bad CI

• Amount: From 50,000 to 100,000;
• Term: Up to 3 years;
• Interest rate: Up to 59.9%;
• Age: 23-70 years;
• Probability of approval: 90%.

The high interest rate, which can reach 59.5% per annum, is offset by the fact that SKB-Bank issues only a passport without a credit history. You can also handle delays - the probability of approval is lower, only 60% -70%, but it exists.

Vostochny - without refusal at 9.9% per annum

• Amount: From 25 thousand rubles to 3 million;
• Term: From 13 to 240 months;
• Interest rate: From 9.9% per year;
• Age: 20-65 years;
• Probability of approval: 95%.

The highest probability of approval of cash loans in Vostochny, it reaches 95%. You can apply here with a bad CI and without it at all, if you have never taken a loan before in your life. True, although formally you can get up to 15 million rubles, only amounts up to 200 thousand are issued according to your passport. The company makes a decision in 15 minutes, you can take the money today.

UBRIR - approval almost without refusal

• Amount: From 50,000 to 1 million;
• Term: From 3 to 7 years;
• Interest rate: From 9.5%;
• Age: from 21 to 75 years;
• Probability of approval: 96%.

UBRIR issues loans to all Russian citizens aged 21 to 75, including students and pensioners, and not just employees.

The minimum rate is available only for amounts up to 200 thousand rubles, if you need more - contact other banks, as here the percentage reaches 22%.

A decision on your application is made, after a call from the manager or SMS with approval, you can go to the nearest office to sign loan agreement and receiving cash.

Only according to the passport they are ready to issue up to 300 thousand rubles, more - you will already need to edit 2-personal income tax or other options for confirming income.

They lend to employees and. For the first, the requirements for experience are from 3 months, for individual entrepreneurs - from 1 year. They do not cooperate with the unemployed and those who work unofficially.

ATB - with work experience of 1 month at 9%

• Amount: Up to 700,000;
• Term: From 13 months to 5 years;
• Interest rate: From 9%;
• Age: 23-65 years;
• Probability of approval: 80%.

An important nuance: they will not give a loan. But the experience of only 1 month is not a difficult condition to fulfill. The Asia-Pacific Bank has many branches in Siberia and Far East, but there is one in Moscow. The probability of approval is only 80%, but with a good credit history, in 98 cases out of 100 there are no problems.

Where to get a loan on a passport if the bank does not give

In addition to these ten banks, there are others that issue express loans using one document. But what if three or more organizations have already rejected your loan? Keep trying, getting rejected after rejection and ruining your credit history? This is not the way out. Wait until you get more experience or higher salary? You can, but what if you need cash today? It remains to apply to MFIs that do not impose such high requirements, are also ready to issue money online and only with a passport on the day of application and turn a blind eye to credit history. Here are 5 options:

1. - loans up to 30,000 per card, issued online with a decision in 15 minutes. Exactly 1% per day;
2. - now there is a promotion for which the first loan can be taken. The largest, proven and reliable MFI in Russia.

The passport of a citizen of the Russian Federation is the main document confirming the identity of a person, and by default provides a lot of additional features. One of them is worth noting the receipt of a cash loan, registration consumer credit at a bank or any other lending institution.

Kinds

The opportunity to get a loan without documents only with a passport is quite attractive for people who, for whatever reason, cannot devote enough time to collecting a large package of documents. Currently, lending organizations offer several programs for the provision of loans.

Express loans

This type of loan is fast and easy to process. If there is not enough cash to purchase a product or pay for a service (for example, when booking a tour at a travel agency), the seller may offer the buyer to take out an express loan without contacting the bank.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

Thanks to an agreement with a partner bank and an Internet connection, you can fill out an application form on the spot and send an application online along with a copy of your passport. Consideration of the application takes place promptly: one hour is enough for the bank to make a decision.

High processing speed and a minimum set of documents are accompanied by a higher interest rate compared to conventional consumer lending programs.

Microcredits

Microcredit for a private person is one of the ways to get a small cash loan “before salary”.

Basically, microcredit (issuance of the amount of cash on the order of 1-10 thousand rubles for a short period of time during the initial treatment, up to 50 thousand with repeated) of the population are engaged in MFIs and MCOs, banks have a specially developed banking product for these purposes - credit cards.

A number of banks also practice issuing small amounts of loans in cash. To do this, it is enough to issue online application on the official website or service website, which contains various loan offers. A bank employee contacts a potential borrower and announces the decision.

If approved, it is proposed to go to the nearest bank branch to draw up a loan agreement for cash. Or send a courier/agent with an agreement, a card and instructions for activating the card to your home.

Cards

Plastic cards have firmly entered our lives and do not cause difficulties when used even by the elderly. Credit cards allow holders to have access to borrowed funds at any time if necessary.

This banking product is issued upon request individual and can be given out as a reward to well-performing clients.

Of particular benefit are credit cards with a grace period without interest, offering to use bank borrowed funds under certain conditions completely free of charge, without charging the traditional remuneration to the bank in the form of interest.

Existing benefits

For any lending organization, issuing a loan only on a passport is fraught with great risks: without proof of income, it is difficult to predict whether the borrower adequately assesses his current financial position whether he can really pay off the debt on time and in full.

Due to the high probability of default, banks, MFIs and MCOs are forced to set a high percentage, but in some cases the conditions and “cost” of lending for one document are commensurate with conventional loan programs:

• For participants of the salary project. If the borrower receives a salary through a certain bank, he can count on more loyal conditions for applying for a passport loan.
• For regular customers. A borrower who has already applied for a loan at this bank and has a positive credit history in it can receive a passport loan with a reduced interest rate and a larger amount than during the initial application.

Help brokers

Making an express loan or microcredit in a bank using one passport is positioned as super-fast - the application is considered within a few hours.

It is obvious that the bank does not have the opportunity to closely examine the reliability of the borrower, and the issuance of a loan is accompanied by the risk of default, which is more than compensated by an overestimated interest rate.

If the credit broker represents the client, then for the bank this serves as an additional guarantee of the borrower's reliability, the application will be considered on more loyal terms.

The credit broker freely navigates the provided credit lines of your region, certain nuances of registration and requirements for the borrower. He is able to choose the most advantageous program with adequate conditions for those who have applied for a loan on one passport.

Private investors

Appeal to private investors is another opportunity to get a loan, having only a passport with you.

And this can be done in two ways:

• Personally. It is worth being extremely careful in choosing and remember that in the absence of collateral, the amount hardly available for a loan can be significant. If amounts are offered that are several times higher than reasonable limits, it is worth considering whether they are trying to involve you in some kind of fraudulent scam.
• Through the Internet. You will only need a passport to confirm a virtual wallet in the Qiwi, Webmoney or Yandex money system. Further, inside these payment systems, it is enough to find the “Microloans” section and select the appropriate offer from the investor. Or create your own ad.

Where to get

From the emergence financial problems no one is safe in an unstable economic environment. Therefore, it is advisable to play it safe so as not to find out in an emergency mode which banks provide loans, how quickly and under what conditions.

For this purpose, it is best to get a credit card or connect the overdraft option to an existing salary card with the most favorable conditions.

Banks

Passport loans on favorable terms can be obtained by holders salary cards, depositors or having a good CI in this bank. For everyone else, the loan will come with a relatively high interest rate.

• Sberbank. Provides for the issuance of a loan on the passport for holders of salary cards. For all other borrowers, there is a program of ordinary consumer credit, with the provision of a certificate of income.
• MTS Bank. The offer of a loan on a passport is similar to that of Sberbank. The application can be made online, on the official website of the bank.
• Rosbank. Practices the issuance of express loans for one document. A passport loan can be taken to purchase any product or pay for a service directly in a store, salon or any other organization with which the bank has a partnership agreement. The loan amount will be immediately transferred to the seller's account.
• Renaissance Credit. Offers online registration of any of the three options credit cards: "Credit Express", "Transport" or "Transparent". In the first two, the design takes 15 minutes. The card may be accompanied grace period before 55 days and up to 300 thousand rubles (the amount of the limit is calculated individually). The interest rate is from 24% per annum.

MFI

Banks are selective in choosing potential borrowers - for example, the unemployed or those who do not have a permanent source of income confirmed, the owners of damaged credit histories hard to get a loan.

Microfinance serves as an alternative to bank loan programs.

Microfinance services are provided:

• MFI– microfinance organizations;
• ICE- microcredit organizations;
• CPC- credit cooperatives.

The purpose of their activities can be conditionally divided:

• to the economic(provide an opportunity to finance small businesses that are not covered by banking programs);
• to social(financing of vulnerable segments of the population (migrants, pensioners, unemployed, students, etc.) is positioned as a fight against poverty and unemployment).

If in order to receive a loan from the CPC, it is necessary to join the cooperative itself and become a shareholder, then MFIs and MCOs provide small loans to almost everyone who applies. Loans are issued in 99 cases.

But the interest rate cannot be called profitable, since it must cover all financial risks associated with a high probability of default on the loan amount.

Making a microloan on a passport can be:

• Completely "absentee". An application is submitted via the Internet, an employee calls back a potential borrower, talks with him, explains the conditions. After that, the loan amount is transferred to the borrower's bank card.
• Full-time. An employee of a microfinance organization calls up, arranges a meeting at home or office. bank card with the loan amount or cash are given after the signing of the loan agreement.

Examples of lending programs in MFIs:

• MFI "Home money". The loan amount can be up to 30 thousand rubles. The interest rate is not announced, it is approximately 3,5% in Week. The official website has a built-in calculator with which you can calculate the amount of weekly payments in accordance with the selected amount and the period for which the borrower wants to take out a loan.
• MFI "Mig Credit" Offers two passport lending programs. On the first, loan " one time» you can get a microcredit up to 12 thousand for up to 35 days with a one-time payment of the entire debt. According to the second, the loan Gradual» microcredit can be up to 30 thousand rubles, repayment is carried out in stages, with an interval of 2 weeks. Deadline - up to 24 weeks. The interest rate is also not announced, specific amounts of payments are calculated using an online calculator.

comparison table

Offer	Decor	Conditions
Sberbank
Consumer credit for those with salary cards	Online	From 45 thousand rubles, from 17% per annum
MTS bank
Cash loan for those with salary cards	Within one working day	Up to 100 rubles, from 15.5% per annum
Rosbank
Express loan	When buying in a partner store of the bank, registration takes 15 minutes	From 6 thousand rubles, from 59% per annum
Renaissance Credit
Credit card "Transparent"	Online application with subsequent contact with the bank	Up to 300 thousand rubles with an interest-free grace period, from 24% per annum
MFI "Home Money"
Microloan		Up to 30 thousand for the initial treatment, weekly payments, overpayment of more than 100%
MFI "Mig Credit"
Loan "Lump" or "Gradual"	Online application followed by a meeting with an agent by agreement	Up to 30 thousand, payments every two weeks, overpayment of about 90%.