A passport loan is available to adult borrowers with a good credit history and a stable level of earnings. To count on getting a loan only on a passport without certificates and guarantors with a low interest rate, try to get a loan in that financial institution through which wages are calculated.
Borrower requirements
To obtain a loan without a passport income certificate, the borrower must meet the following requirements:
- Russian citizenship;
- To be registered in the region of the bank's presence;
- Have a positive credit history.
- Work experience at the last job is at least 6 months, and the total length of service is at least one year;
- Have a stable income sufficient to meet your loan obligations.
One of the advantages of obtaining a loan with a passport is the fact that an application can be submitted online and you can find out the preliminary decision of the bank within a few minutes after filling out the questionnaire on the credit institution's website. For this:
If you are already a client of the bank, you do not even need 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 in monthly annuity payments by replenishing the borrower's credit account. Funding methods:
- Cash through ATMs or cash desks of a credit institution;
- By wire transfer from the accounts of another bank;
- Transfer from your debit account with the creditor bank;
- Automatic debiting of funds from wages;
- In terminals, communication shops, in the post offices of the Russian Federation by the number of the loan agreement.
In what cases is it not worth taking a loan only with a passport?
- If you can prove your income. The presence of a certificate of income will significantly reduce the interest rate on the loan and will allow you to issue a loan on more favorable terms.
- If necessary, a loan for a large amount. In this case, the bank, firstly, may refuse a loan to the borrower, and, secondly, even if the application is approved, it will offer a loan with an increased interest rate. To obtain a large loan from the bank, it is recommended to issue a loan secured by surety or with the provision of collateral.
Do you need a passport loan in Moscow? This section contains loan products that are issued with a minimum number of documents. Many leading banks have proposals that allow them to borrow funds at different interest rates only on the basis of a passport. Each potential borrower can try to get a loan. To begin with, you only need an online loan application with a minimum of information about you. To do this, just follow the link to the bank's website and fill out a short form. Approximately, within an hour, specialists of the banks you have chosen will contact you and call you back to clarify the details and give you an answer.
Upon approval of your application, you just need to come to the bank branch and sign loan agreement... To apply for a cash loan using a passport in Moscow, no other documents are needed.
Who can get a loan with a passport in Moscow banks?
Banks do not have any special requirements for obtaining a loan using a passport. But nevertheless, the most chances to get such a loan are for clients of banks who are served on payroll projects or have a deposit in a bank. And also to persons who have already taken out a loan from a bank and have a positive credit history.
In what cases it is not worth taking a loan only with a passport.
As a rule, the fewer documents the bank requests to obtain a loan, the more risks the bank includes in the interest rate. Therefore, if you have the opportunity to take a certificate of income, you have friends who are ready to vouch for you, then this is a good opportunity to save money. This is a good alternative to a passport loan in Moscow.
Today, many banks offer to get a loan without confirming their income. The editors of our online magazine have selected a list of financial institutions where to take out a cash loan only with a passport, as quickly as possible and with the most favorable interest rate conditions. It is for those who do not want to waste time collecting all kinds of information and the information provided will be useful.
Banks in which one passport is required to obtain a loan
It is possible to find a financial institution that agrees to issue cash on credit without requesting a 2NDFL certificate and other additional documents in almost any region of the country. The table shows only a few of the most attractive offers.
| Bank's name | Loan amount, rub. | Interest rate, % | Online application | |
|---|---|---|---|---|
| Oriental | 200 000 | 22.7 | Checkout | |
| UBRD | 300 000 | 17.0 | Checkout | |
| PostBank | 500 000 | 19,9/23,9 | Checkout | |
| Tinkoff | 1 000 000 | from 12.0 to 24.9 | Checkout | |
| Sovcombank | 40 000 | 21,5/31,5 | Checkout |
- The information presented in the table is for informational purposes only and is up-to-date for 2019. Interest rates shown here are not guaranteed as they represent the minimum values that are offered by banks. In reality, the terms of the loan without proof of income may be offered differently.
Orient Express - loan on the same day
- Amount: 50,000-200,000 ₽;
- Percentage: from 22.7%;
- Term: 12-36 months;
- Borrower age: 21-76 years.
In the pluses of this proposal, we will include a quick decision on the approval of the application, a high probability of a favorable outcome. A positive point is the availability of the "credit holidays" service, when the borrower can pay only interest on the loan within 1-3 months.
The disadvantages include:
- For a positive decision, an income statement may be required;
- Free repayment is possible exclusively through the cashier or Vostochny EB terminal.
UBRD - favorable conditions for responsible people
A loan without certificates of the Ural Bank for Reconstruction and Development has the following conditions:
- Amount: 30,000-300,000 ₽;
- Application consideration time: 15 minutes;
- Percentage: from 23.0% (with the possibility of downgrading to 17%);
- Term: 3.5.7 years;
- Borrower age: 21-75 years old.
The main advantage of this product is the ability to lower the rate to 17% in the absence of delays in payments. In the cons, we write down the requirement for work experience at the current place of work for at least 3 months.
PochtaBank - credit without reference 2NDFL
- Amount: 50,000-500,000 ₽;
- Percentage: from 19.9 / 23.9%;
- Term: 12-60 months;
- Borrower age: from 18 years old.
The advantage of "First Post" is the ability to reduce the rate to 12.9% if you use a loan for at least a year and there are no arrears in payments. In the cons, we write down the need to provide SNILS and TIN of the employer. Although a 2NDFL certificate is still not required.
Tinkoff bank - online loan without leaving home
- Amount: up to 1,000,000 rubles;
- Percentage: from 12.0% to 24.9% (with the possibility of downgrading by 10%);
- Term: up to 3 years;
- Borrower age: 18-70 years old.
Sovcombank - a loan without certificates and guarantors
In the absence of documents confirming income, you can get an Express Plus loan from Sovcombank:
- Amount: up to 40,000 rubles;
- Application consideration time: up to 1 hour;
- Percentage: from 21.5 / 31.5%;
- Term: 6, 12, 18 months.
Additional requirements that the bank imposes on the borrower. Permanent registration and residence in the city where there are bank branches. And also the presence of a landline home or work phone.
Credit card - an alternative to an undocumented loan
Sometimes it is more difficult to take a consumer loan according to the main document without refusal than to become the owner of a credit card. This happens for several reasons, but most often because it is more profitable and much easier to issue a credit card to bankers than an inappropriate loan. Many financial institutions even practice remote provision of credit cards: a person fills out an online application on the site, and a couple of days later receives it through a courier. Interest rates on cards are almost the same as on loans in cash. But there is one "but" - do not forget that the card is non-cash money, but for withdrawing cash from an ATM you will have to pay a commission, the amount of which can reach 4-5%. But the cards also have a significant advantage - a grace period for crediting, which is 50-55 days. At this time, you can use borrowed funds and not pay interest for it, which is very convenient.
Is it realistic to borrow one document at a time?
What requirements do you need to meet?
For potential borrowers planning to apply for a loan using one document, banking organizations impose standard requirements for citizenship Russian Federation, at least 21 years of age, employment in the last place of work for at least 3-6 months. Attention is paid to the quality of the credit history, if a person has one. In some cases, these requirements may change. For example, some banks, where you can take out a loan under the main document, issue loans only to borrowers over 26 years old.
Can credit conditions be improved?
Seeing high rates, some potential borrowers begin to think about whether it is possible to improve lending conditions without proof of income. In principle, it is possible, but this will somewhat complicate and increase the analysis time of the loan application. What can be done:
- Provide liquid collateral;
- Conclude an additional surety agreement;
- Confirm your solvency (not necessarily providing 2NDFL from your last job, you can prepare a certificate in the form of a bank).
For most of those who need to take out a cash loan as soon as possible, none of these options are suitable. There remains one more, but it is applicable only for those who previously had a successful and productive experience of cooperation with banks. It is about contacting that credit organization, which previously had to be serviced. Banks are much more loyal to their former and current clients, including offering them to take out a loan at a more favorable interest rate.
Summary
It is possible to get a loan from a passport or quickly issue a credit card, but this should be done only in emergency cases or when there is no possibility of confirming your income. In all other cases, it is better to approach the loan processing more thoughtfully and, before borrowing money, collect the package of documents necessary for the bank in advance, and think about the possibility of providing collateral. This will allow you to save a lot by taking a loan at a lower interest rate, and it will take only a little more time. And in this case it is more realistic to count on the amount of the loan of the required size. With a minimum of paperwork, banks usually offer loans and borrowings relatively small.
Borrowing for most citizens becomes a difficult undertaking. The main difficulty is collecting a package of necessary papers. But you can bypass this unpleasant and time-consuming procedure by applying for a loan only with a passport. For this you need:
Now let's take a closer look at all the nuances and pitfalls of loans issued only with a passport.
The easiest way to get a passport loan at an MFO!
If you need small amount money for a short period of time, a microfinance company is what you need! Here they do not ask what money is needed, where do you work and how much you earn per month / day / week. Everything you need from you:
- passport of the Russian Federation (foreigners are not credited with MFOs);
- a valid phone (it is desirable that you use it for more than 3 months);
- Email.
Even bank card not a prerequisite, as many microfinance companies issue, and even on.
Is it really that smooth?
The main disadvantage of urgent loans issued only with a passport is high interest rate... Most MFOs issue loans at 1% per day. But, remember all that there are companies that offer to issue the first (small truth) loan at 0%. List of such proposals.
Is it possible to get a loan only with a passport in a bank?
Some banks shorten the list required documents for a loan to a minimum. So, many today offer to get a loan only with a passport and a second identity document. Here is a list of suggestions:
When applying for a loan according to a shortened list of documents, you should be prepared for the fact that the conditions will be more stringent:
- increased interest rate;
- relatively small loan amount;
- reduced loan term.
On a note! If you get wages to a card of any bank, contact him with an application for consumer credit... The lender already has all the data on income, therefore, in order to complete the contract, only your passport is required. money will be given at the cash desk in cash or transferred to a salary card.
Credit cards are also issued only with a passport!
The easiest way to get a loan urgently and only with a passport (when there is no trust in the MFI) is to issue a credit card. Consideration of an online application takes no more than 24 hours, and you can pick up a finished banking product the next day at a bank branch or order delivery by courier to your home (it is important to check by phone hotline is there such a service in a particular bank).
Our site contains a list of banks that are ready to offer only by passport. There is no need to waste time to get a certificate of income from work, to find your military ID or other documents.
You can familiarize yourself with loan offers and choose among them suitable in terms of conditions and terms 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 MFOs that issue microloans for a short period and at a low interest rate. Among the most popular are "", "", "", "", etc. All of them issue loans only on the basis of a passport.
The positive aspects of such lending are obvious:
- speed and ease of registration. As a rule, the decision on extradition is made in a matter of minutes;
- minimum of documents;
- saving time;
- high percentage of approval of applications. Credit history, as a rule, does not play a big role here. Even those who have arrears on previously issued loans can pick up a loan.
Many banks arrange not only for a cash loan, but also offer a credit card that is delivered directly to your home. Due to the interest-free (grace) period of use in practice credit card may be more profitable than a loan. With it, you can safely store your money, pay without any problems in online stores and shopping centers.