Often, a loan is the only possible way to solve financial problems. Also, it is a bank loan that can help you make a large purchase without waiting until the required amount is accumulated. In this regard, it is important to choose favorable conditions for a cash loan in the best banks for consumer loans.

Where is the best place to get a cash loan?

Before applying for a loan, it is important to choose the bank that is best suited for this. Finding the best deals will be much easier if you know what lending criteria to take into account.

To determine the best banks for a cash loan, it is worth studying the following parameters:

1. The deadline for consideration of applications is especially relevant for those who need money urgently. It usually takes several days for the bank to make a decision. However, there are offers when a cash loan is issued on the day of treatment within a few hours.
2. The number of documents required to receive. The less certificates from work and other supporting documents are required, the faster and easier it will be to receive money.
3. Low rate. If you manage to get a cash loan at a low interest rate, you can count on a smaller payment with the same terms and amount. In addition, it will help save the budget by reducing the overpayment.
4. Recently, many banks provide an opportunity to come to the office only to apply for a loan, when a positive decision has already been made. In this case, an online application is submitted, which significantly saves the borrower's time.
5. When choosing a bank, it is best to first consider the offers of those banks through which the future borrower receives wages. Often such clients are provided with various discounts for obtaining a loan.

Which bank is better to take a cash loan? Before answering this question, you will have to study the offers that are on the market. They should be compared, focusing on the criteria discussed above.

Due to the huge number of banks with different conditions, it is not easy to compare them on your own. It is much easier to use a ready-made comparison, for example, the TOP-7 rating presented below.

Tinkoff Bank is the best bank for a cash loan in 2019

Tinkoff is a unique bank that operates entirely online. It is very easy to get a cash loan online here. After filling out an application on the site, the client will not have to wait long for a response. Literally within one day you can get the necessary money.

Busy people don't have to go anywhere. After the application is approved, a bank specialist will arrive at a convenient address, sign an agreement and issue a debit card with credited money.

Alfa-Bank is a well-known bank with favorable conditions

One of the best banks in order to take a cash loan on favorable terms is the largest private bank in Russia - Alfa-Bank. The bank has been providing loans for any purpose for more than 20 years.

Cash in this credit institution can be taken without collateral and guarantors. Of the documents, you will need to provide a document confirming your income and your employment. Moreover, it is very convenient that, for example, instead of a copy of the labor one, you can provide a title for a car or a passport with marks about traveling abroad.

To find out a preliminary decision in 10 minutes, you just need to leave a request on the site.

OTP Bank - consumer loan up to 750 thousand

In OTP Bank, you can get a cash loan at a low interest rate. In this case, the purpose of borrowing does not matter.

To fill out an application, it is enough to come to the nearest office of the bank, which are quite a lot throughout our country. The decision on extradition is made very quickly, so that in a few hours you can get the necessary money.

For those who want the loan rate to be minimal (at the level of 12.5%), it is enough to meet two conditions:

1. have an undamaged credit history;
2. provide the bank employee with as complete a package of documents as possible.

OTP Bank has developed a special application for borrowers. If you install it on a mobile device, you can not only find out where the nearest bank office or ATM is located. The application reminds you of the need to pay a loan. Now there will be no delays!

Housing Finance Bank - a loan on the best terms secured by an apartment

Do you need a loan for a large amount at the lowest interest rate? Then pay attention to the next bank in the rating - Housing Finance Bank. In this credit institution, you can get a large loan up to 8 million rubles at a low percentage (12.49%) without collecting certificates and guarantors. The only thing that the loan issues is secured by residential real estate. Due to the fact that collateral is used in lending, it is more likely to receive such a loan than without collateral.

Favorable lending conditions and a high level of approval make a cash loan from BZHF one of the best offers among all banks!

To get a loan from a bank, it is enough to fill out an online form on the bank's website and get a decision literally immediately. The only restriction is that you can get a loan only in some large cities (see the bank's website).

Vostochny Bank is the best bank for young people over 26

For those who want to get a loan as soon as possible, Vostochny Bank is ideal. Here, without leaving your home, you can submit an application, the decision on which will be made very quickly. If it is positive, you can receive funds on the same day. By the way, if you apply online, you can get a discount on the interest rate. If the client wishes, all the necessary documents, as well as money, will be delivered to him at a convenient address. Thus, in order to get a loan from Vostochny Bank, you do not need to leave your home at all.

Loans are issued without certificates and guarantors. Moreover, a loan can be obtained by providing a minimum list of documents.

Raiffeisen Bank - consumer credit for any purpose

Raiffeisen Bank offers excellent consumer lending conditions for those who have not had time to ruin their credit history. The bank is designed for clients who have a permanent place of work and a stable income that exceeds the average. Wages can be confirmed not only with a 2-NDFL certificate, but also by issuing it on a form offered by the bank. If you meet the above criteria, you can count on a loan in the amount of up to one and a half million rubles at an interest rate starting from 12.9% per annum.

Loan disbursement is very fast. After the application to the bank is completed on the website, no more than an hour will pass before a decision is made. If you do not have time or desire to go to the bank office, you can invite a specialist to draw up an agreement at home or in the office.

Renaissance credit — cash loan on favorable and flexible terms

Renaissance credit provides customers with the opportunity to apply for a loan quickly and without problems. And those customers who have a special pre-approved offer of the bank can apply for a cash loan on a passport without presenting additional documents.

The interest rate is determined for each client individually. Reliable borrowers are entitled not only to a lower rate, but also to a higher loan amount. Renaissance is ideal for those who need money urgently, because here you can get a loan on the day you apply.

Where is the best place to get a cash loan?? Of course, where there are low interest rates, comfortable registration and feasible requirements for customers. You need to use the services of trusted banks recommended by experts. So you can be sure that there are no various unforeseen situations and pitfalls in the process of borrowing.

The credit market in the Russian Federation offers potential borrowers a large number of proposals. Diversity can confuse even experienced borrowers who consistently use the services of financial institutions. To answer the question of which bank is better to take a loan, it is worth considering a number of factors.

Reputation of organizations

First of all, you should pay attention to this nuance. Borrowers, as a rule, understand lending issues superficially, which can be used by unscrupulous organizations. The overriding offer will seem like a good deal, but additional conditions that result in high fines are not always the focus of the client's attention.

It is more profitable to take a loan from a bank that has a decent reputation. Such institutions are in awe of this moment. Often the system is ready to meet in the form of debt restructuring, deferred payments. This list includes the largest banks in the country:

• Sberbank;
• Rosselkhozbank;
• Gazprombank;
• Bank of Moscow.

It is better to take a loan from a bank from this list than to apply for such services to institutions with an unstable rating. However, this does not mean that other companies offer only unfavorable conditions for the borrower. Before you take out a loan, you should familiarize yourself with the current offers in detail. In addition, the client must have a good credit history, otherwise you will have to take out debt with strict conditions.

Experts recommend that you read reviews about the work of banking structures before contacting an institution. You can do this on special sites. There are also subtleties here - too many positive reviews may not be real, but fake.

People are more likely to write about negative situations than about friendly service and other positive things. It is worth considering this fact while familiarizing yourself with these resources.

Where is the best place to get a loan? What to look for when signing a contract for a consumer loan or cash loan.

It is not difficult to get a loan from a bank - difficulties may begin later, during the start of payments. Some organizations claim that the grace period lasts for a certain amount of time, but in fact, it is much less. The fact is that under the concept of a grace period, not only the interest-free use of credit funds can be hidden, but also other aspects written in the contract in small print.

Which bank is more profitable to take a cash loan

We encounter this problem quite often. Cash lending is gradually fading into the background, giving way to plastic cards. This option is convenient primarily for banks, because the client pays a large percentage for cashing out money from plastic.

However, you can take a cash loan with acceptable conditions today. We recommend contacting the following organizations:

• Citibank. The minimum rate is 15%.
• Eastern Express. Differs in speed of registration. The client does not need additional documents. They serve borrowers with a bad credit history, but the conditions in case of late payments are quite tough.
• OTP Bank. It features a minimum rate of 15.9%. You can get a cash loan under such conditions by providing a wide range of documents and having a good credit history.

Each of these organizations has a good reputation and constantly attracts new customers. It is better to get acquainted with the available offers by visiting the branches of these banks. Consultation with employees of credit institutions will help you make the right choice, as well as help you understand the available programs.

Where is it better to get a loan - interest rate in banks

The client pays attention to this factor in the first place. The higher the percentage, the worse the conditions. This is a common opinion that employees of banking structures have to deal with on a daily basis.

In fact, this indicator is only one of the key ones. It is important to carefully study each offer, because in addition to the interest rate, there are other points that can lead to a huge overpayment.

Fines, penalties, insurance - all this can turn a seemingly profitable offer into a real torment for the borrower.

A client who wants to take out a consumer loan must be prepared for high interest rates. This type of loan does not have a low interest rate. The most convenient option in this case would be:

• Sberbank;
• Sovcombank;
• Zenith.

However, to get a loan, you will need to go through a thorough background check. In particular, it is this factor that most often makes citizens seek services from unverified organizations and microfinance companies.

Consumer loan requirements

Before asking which bank is more profitable to take a loan, it is worth understanding whether the client himself fits the requirements of the bank? This factor is key when submitting documents.

Credit and financial organizations carefully study each potential borrower. All documents are checked, but first of all, employees evaluate the credit history. With an unfavorable CI, large banks, without hesitation, give a negative answer.

This forces borrowers to look not for more profitable offers, but for organizations that will simply issue a loan. In this case, small banking institutions that have recently entered the market come to the rescue.

The client's income factor is also important. The higher it is, the larger the offer from the bank will be. It is better to check with the company employees about the list of required documents in advance. It is recommended to submit documentation in a broad version, that is, all. This should include references that are considered secondary and optional. The bank will definitely appreciate this step. In some cases, this allows customers to receive a reduced interest rate.

Conclusion

In which bank it is better to take a loan - a question that is decided rather on an individual basis. Much depends on the requirements of the client himself, the amount he hopes to receive and other nuances. However, it is obvious that in the first place it is better to contact the largest structures with a good reputation.

Good day, dear readers!
It's time for my post again. This time I will tell you which bank is the most profitable to take a consumer cash loan in 2019. Also, which bank has the lowest interest rates? I will also answer the question, where is the most profitable loan, in which bank?

For my review, I chose 10 banks that, in my opinion, offer the most favorable conditions in 2019.

The best and most profitable loans of 2019

For civil servants	6,9%
"One hundred thousand at 8.9%"	8,9%
"Loan on two documents"	9,9%
"Consumer cash loan"	10,5%
9 out of 10 approves "More documents - lower rate"	10,9%
"Cash Loan"	11,9%
Cash	10,9%
"Personal loan"	11,99%
Passport and SNILS	10,9%
"Just Money"	13,5%
Open	15%

"Renaissance Credit". Profitable proposition

• Income Statement - not required
• Amount - from 30,000 to 700,000
• Term — 1 to 5 years
• Money - cash or card

The interest rate here will be 11.9 - 25% per annum. The maturity of the debt will be from one year to 60 months. The borrower has the right to decide how to receive his money - it can be cash, transfer to a card or bank account.

It should be noted that you can repay a loan at Renaissance Credit only from 3 months, which may not suit some borrowers and is a minus.

Bank "Vostochny" - a loan according to the passport

The possible loan amount in this bank is from 10,000 rubles. up to 1,000,000 rubles. The borrower must deposit money every month from 1 to 5 years, but the amount of the monthly payment is quite optimal.

• Income certificate - not required, you only need a PASSPORT and SNILS
• Amount - from 10 000 rub. up to 1 000 000 rub.
• Term — 1 to 5 years
• Money is cash

The loan is issued in cash at an interest rate from 12,9% up to 23.9% per annum. Here we can already talk about favorable rates on loans from banks. A big plus will be that full or partial early repayment is allowed. If the borrower decides to repay the debt earlier, no penalties will be applied to him.

Ural Bank for Reconstruction and Development - loan Available without references

It doesn't take much to get a loan of up to 300,000 rubles from UBRD. For such an amount, only a passport is enough.

• Income certificate - up to 300,000 without a certificate
• Amount - from 50,000 to 1,000,000
• Term – 1 to 7 years
• Money is cash

If we fill out an application online, then the interest rate will be from 15% per annum. Typically, the decision time for a loan is made very quickly. Many consider this offer very profitable, and I am one of them.

ROSBANK - high approval rate 9 out of 10

RostBank has a solid reputation, with the most profitable loans, which is why it made it to this list. The rate is 13.5 - 19.99%. To receive money here, you must fulfill a number of conditions.

• Income Statement - Verify your income
• Amount - from 50,000 to 3,000,000
• Term — 1 to 5 years
• Money is cash

In order to apply for a consumer loan with an annual interest rate of 13.5%, you will need to confirm your income. The loan is provided without collateral. The loan rate depends on the category of the client and the amount of the loan. It is issued, by the way, for up to 5 years. For this period, you can receive an amount in the amount of 50,000 to 3,000,000 rubles.

The advantage is that the minimum age is . The downside is that the decision of the bank can be received within 1-2 business days.

Rubric "Question-Answer"

Will this data be relevant throughout 2019?

— Yes, the main loan offers rarely undergo global changes. If something changes, the bank staff will notify you.

Do I need proof of income when applying for any loan?

No, it's not always needed. In each individual case, you should carefully read the necessary documents for the selected loan product.

Which bank will have the best loan in 2019?

- For each client, the most profitable is his own, there is no universal formula. You just need to find the requirements that you satisfy and find the right option for yourself. I believe that, after all, the overpayment here will be minimal, since the percentage is one of the lowest.

On this, our today's top "the most profitable bank for a loan" came to an end. I hope that this article was useful to you and you make the right choice. And I wish you financial stability and success in all your endeavors this year!

In the end, everything must be fine. If something is bad, then this is not the end ...
Paulo Coelho, Brazilian novelist and poet

Getting a consumer loan today is quite simple, but getting a profitable loan is much more difficult. Let's look at the numbers, how it is still profitable to get a consumer loan from a bank. For example, we will assume that you plan to take a loan from a bank in the amount of 1.5 million rubles at 17% per annum for a period of 5 years. The total amount of the overpayment is 736.7 thousand rubles, and the monthly amount for an annuity payment is 37.3 thousand rubles.

Tip #1: Increase your down payment

If your loan includes a down payment, try to increase it to the maximum. Usually we are talking about a standard payment of 10-15% of the purchase price, but already at a 30% installment, loan rates are reduced.
In our example, even a 1% reduction in the rate on a loan entails a reduction in the monthly payment by 850 rubles per month, and an overpayment for a loan by 45 thousand rubles.

If for some reason you miss the maturity date of the monthly loan payment, the bank has the right to apply penalties, the amount of which is specified in the loan agreement. Such penalties will only increase your subsequent monthly payment.

The faster you repay your loan, the more you save on paying interest to the bank and reduce the loan term. For example, if in six months you want to repay your loan ahead of schedule by 50 thousand rubles, then your payment will decrease by 1,700 rubles and will already amount to 35.5 thousand rubles monthly.

Tip number 4. Be sure to study the loan agreement

You must understand the conditions under which the bank gives you a loan. A detailed study of penalties will make it possible to avoid unpleasant "surprises" from the creditor in the future.

The most favorable conditions are offered by credit institutions in the presence of collateral or a guarantor from the borrower. And those 17% per annum under which you plan to take a loan can change, for example, up to 14% per year. This entails not only a decrease in the total amount of overpayment on the loan to 142.6 thousand rubles, but also a decrease in the payment to 34.9 thousand rubles per month, which is 2.4 thousand rubles less than in our example.

This approach to obtaining a loan will allow you to independently regulate the amount of overpayment on it. Our example shows that over 5 years the amount of the overpayment is 736.7 thousand rubles, but if we change the calculations towards 3 years, then the amount decreases to 425.2 thousand rubles. If you understand that you can overpower a payment of 53.5 thousand rubles a month on a loan, then you should not overpay the bank with interest.

A loan of 1.5 million rubles is a large amount, so it is worth considering all options for banking offers on the credit market. It may happen that another institution offers a lower rate even without providing collateral for the loan. To do this, the bank calculator, which is available on each official website of the institution, can help you calculate a consumer loan.

Such a decision will allow you to find out which bank offers the best interest on a consumer loan, so that you can choose the best option.

Tip number 9. Contact the bank where you receive your salary

As a rule, if your employer has issued a salary project at the bank, then you have reduced rates on all consumer loans, up to 1-2% per annum. You not only get a cheap loan, but also do not collect a complete package of documents, since the lender already has information about wages. For example, a consumer loan at Sberbank for participants in salary projects for the purchase of housing can be taken at 9.8% per annum.

Tip #10. Take out a loan in the currency in which you receive income

Foreign currency loans at interest rates below ruble by 3-7% per annum, which significantly affects the loan payment. But if you receive wages in rubles, then currency risks can offset all the benefits of the transaction. When the exchange rate rises, your payment also grows exponentially.