Do not give a loan anywhere online. Where can you borrow money if banks do not lend

Traditionally, lending conditions in MFIs are much more loyal than in banking institutions. The list of required documents is usually limited to a passport with registration (permanent or temporary). As for the terms of the loan, they are suitable for those clients who want to quickly get a small amount for current expenses or are in dire need of money for treatment, payment for services, purchase of goods. You can contact a microfinance organization remotely by filling out an application on the MFO website. In this case, it is better to choose not one company, but send several applications to different companies. This loyal approach to potential borrowers on the part of MFOs creates a stable demand for consumer microcredit.

Despite the optimal conditions for issuing loans, in some cases MFIs are in no hurry to make a positive decision on the application. There are several reasons for this, and the potential client may not even guess about them. Today, there are several factors that, in the opinion of MFI managers, objectively indicate the unreliability of the borrower:

• current loan payments in another financial institution;
• the presence of an outstanding criminal record;
• applying for a large amount without providing additional personal data or documents;
• bad credit history - outstanding financial obligations, litigation with a bank, a large number of overdue loans from other MFOs;
• incorrect information on a personal page on a social network, if its presence is a condition for obtaining a loan;
• the data of another person provided for obtaining a loan to the card.

If they do not give a microloan, a credit broker will help

In case of problems when obtaining a loan from an MFO, contacting a credit broker also gives a positive result. A competent specialist will find the best offers from microfinance organizations that do not pay attention to bad credit history, debts on current loans in other MFOs or conduct an advertising campaign to attract new clients, demonstrating loyalty in approving applications to problem borrowers. Such brokers work closely with many MFIs and know the intricacies of scoring programs that process application data in real time. In addition, you can use the service

Some people, fearing rejection, apply for a loan at once to dozens of banks or run around the city, addressing wherever possible, and making a big mistake. Why? Yes, because with each new refusal, your rating becomes worse, and as a result, even those organizations that could give you a loan are refused it due to a deteriorated credit history.

How to avoid refusals when lending from banks?

Do not contact all banks or microcredit organizations, but only those that have a high probability of approval of the submitted applications - more loyal to borrowers. Now there is a crisis in the country, everyone needs money, and everyone goes for loans. First of all - either where your salary is transferred, or where you have debit / credit cards, previously issued loans, deposits, and so on. In general, to where you are already known as a reliable client. Companies can only select and approve selected applications, but will you be included in these “Favorites”?

We have compiled for you a list of 8 banks that are most likely to approve a loan for you.

Why do banks refuse to lend?

In fact, banks and other organizations never announce the reasons for refusing a loan, but there are some of the most obvious points that can reduce the likelihood of receiving cash.

1. Bad credit history and open delinquencies;
2. Low white salary (less than 10,000 - 15,000 rubles);
3. Informal work or no work at all
4. Inaccurate data when filling out an online application;
5. Age less than 21 years old or over 65-70 years old.

4 rules for obtaining a loan without refusal

1. Check loan conditions and requirements for borrowers... If you do not fit, it is better not to contact this bank. For example, if you cannot provide a certificate of income, submit an application only to organizations that do not require it.
2. Provide only reliable information... Everyone knows about it, all companies demand it, but not everyone follows it. Don't try to cheat the bank. This is especially true of your personal credit history, registration and source of income. If you have delays - do not hide it (the manager will easily check all the information), it is better to indicate that you have corrected.
3. Collect the maximum required documents... For example, if a bank issues a loan on two documents, indicating as the second SNILS / license / foreign passport - bring everything that you have from this list. If you receive income not only in an official job, but also somewhere else, and you can confirm it - confirm it!
4. Offer bail... Many organizations give cash or with a lower rate and a high likelihood of approval - use that. I understand that you are afraid that the bank will take away your car or apartment if you do not pay off the debt. But if you are sure and want a guarantee of approval, offer PTS as collateral for a loan. In this case, the interest rate can also be reduced.

And finally, the promised banks, which most likely will not refuse you a loan.

8 banks that approve loans without refusal

A private lender issues loans from personal funds and works with problem clients, or spoiled CI. Of the banks, the most loyal to difficult borrowers are Vostochny, Tinkoff, Renaissance and Sovcombank. In the same place and in Gazprombank -. You can get a loan at Tinkoff and Touchbank - a courier will bring a card with money to your home or work.

Private loan from 12.8% according to the passport and without prepayment

• Amount: 250 thousand rubles. - 35 million;
• Term: from 2 months. up to 17 years old;
• Rate: from 12.8% to 16%;
• Documents: passport and SNILS (or other additional);
• Age: from 18 to 59 years old.

Call: 8-950-666-36-66
Write: [email protected]

Vitaly Aleksandrovich issues private loans from his own funds. You can get a loan right on the day you apply, even if you have already been refused by several banks and other companies. Even without an official job and with a bad history. They are issued to all citizens of the Russian Federation from 18 years of age without prepayment against receipt (under a loan agreement). You only need a passport and SNILS. Call and collect your money today!

• Amount: From 25 thousand rubles to 3 million;
• Term: From 13 months to 20 years;
• Interest rate: From 9.9% per year
• Documents: only passport;
• Age: 21-65 years old;
• Application consideration period: on the day of application;

Vostochny Bank has the lowest percentage of refusals to issue a loan. At the same time, although he needs you to have a permanent source of income, preferably an official one, he does not require any income certificates. Plus, it quickly gives out cash for just 1 document.

• Amount: From 10 to 1 million rubles;
• Term: From 1 to 5 years;
• Interest rate: From 7.9%
• Documents: 2 documents without income statement;
• Age: 22-64 years old;
• Consideration of the application: in 1 minute on the day of application;
• The likelihood of approval is high.

• Amount: up to 500,000;
• Term: 3-36 months;
• Interest rate: from 7.77%
• Age: 22-70 years old;
• Consideration period: online;
• Probability of approval: 90%.

The main plus is that it works without a scoring program, decisions are made by a bank employee who is ready to consider any difficult situation, even if there is no official job, even a bad story, or even debts in other financial institutions. And the final decision can be obtained without visiting the bank - online via video link.

Loans to pensioners and people who are officially employed. Rates from 7.77%, from the documents you will need a passport of the Russian Federation, the second one, identity and proof of income for the last 12 months. The total work experience is from 1 year, at the current place of work - from six months.

• Amount: up to 3,000,000;
• Term: 1-7 years;
• Interest rate: from 7.5%
• Documents: 2 documents + income statement;
• Age: 20-70 years old;
• Consideration time: from 10 minutes;

Mandatory official work with a total experience of a year, and in last place - from 6 months. Plus, confirmation of this income is required, and sometimes a certified copy of the work book. But applications are approved in 10 minutes.

• Amount: Up to 100,000 rubles;
• Interest rate: from 8.9%;
• Term: 12 months;
• Documents: 2 documents + income statement 2-NDFL;
• Age: 20 to 85 years old;
• Application consideration period: up to 5 days;
• Probability of approval: very high.

Sovcombank is known for issuing loans to borrowers (program), as well as young people over 18 years old without CI (program). This loan is also issued from 20 years (minimum for banks) and up to 85 - there are preferential conditions.

• Amount: Up to 1,000,000;
• Term: Up to 5 years;
• Interest rate: From 10.5%;
• Documents: passport, TIN of the organization (additionally your second document) + 2-NDFL income statement;
• Age: 21 to 65 years old;
• Consideration period: 15 minutes in advance;
• Probability of approval: high.

OTP Bank is the fastest to make a decision on the approval of your application, so if you need an urgent loan, please contact here. He also issues large amounts of 200-300-750 thousand rubles without the need to report on spending.

• Amount: From 10,000 to 1 million;
• Term6 From six months to 5 years;
• Interest rate: From 11.9%;
• Documents: only passport;
• Age: 21 to 65 years old;
• Consideration period: 1 day;
• Probability of approval: high.

Daughter of OTP Bank - Touch Bank offers a cash loan to a bank card, which the courier brings to your home or office at a convenient time for you. Once you have approved the amount you want, you can choose how to use it. You can take a one-time cash loan (withdraw them from the card without a commission at an ATM of any bank) or a permanent renewable credit limit on the card (use for purchases, up to 61 days - a grace-free period).

• Amount: Up to 1 million;
• Term: From 3 months to 3 years;
• Interest rate: From 12%;
• Documents: only passport;
• Age: from 18 to 70 years old;
• Consideration period: on the day of application;
• Probability of approval: high.

Tinkoff is the best and most well-known online bank that issues loans without refusal and issues credit and debit cards without a visit to the office using only one online application. He is almost the only one who issues loans - a chance for students. No documents, except for a passport, are required. The money is transferred to the card, which the courier brings - at any ATM you can withdraw cash from it without commissions.

Bonus: 3 MFIs with a minimum bounce rate

If you do not meet the conditions under which banks issue loans, for example, you are unemployed or cannot provide a certificate, you are only 18 years old (and most organizations issue only from the age of 21), you have a bad history and banks do not give cash - contact MFOs (microfinance organizations). The interest is higher, but more loyal to problem borrowers.

Of course, the fact that MFIs issue loans 100% without refusal is a myth. But here the probability of receiving money is higher due to the higher interest rate (it covers the risks of delinquencies and refusals to pay). In addition, they give loans to people without a constant source of income and with poor CI.

• Up to 30,000 rubles. before salary;
• Loan term: up to 1 month;
• Fixed interest rate of 1% per day;
• Documents: only passport;
• Age - from 18 years old;
• Income is not needed;
• The bounce rate is minimal.

They make a decision in 5 minutes and give money to any of your bank cards. You don't need a regular income. They do not require official employment, they even work with the unemployed. You can repay the loan in Qiwi and Eleksnet terminals or by bank transfer.

• Up to 30,000 rubles;
• Term - up to 23 days;
• Interest rate - up to 1 per day;
• Documents: only your passport;
• The probability of failure is low;
• Income is not required;
• Issued from the age of 18.

Cash withdrawal on the day of contact in the nearest Deng office 15 minutes after the online application is submitted and approved. There are offices in most large cities in Russia. There is no issue to the card, but do not forget that the money can go to the card up to 5 days, and you will receive cash today. They also work with poor CI.

• Large amount - up to 99,500 rubles;
• Loan term up to 48 weeks;
• Minimum interest rate from 0.27% per day;
• The bounce rate is low;
• Documents: passport + sometimes a second document (license, SNILS, passport, etc.);
• Permanent income is required;
• Age - from 21 years old.

Mig Credit has one of the strictest conditions among MFIs, but if you fit them, and especially if you have a good CI, then you can get a much larger amount without refusal at a lower interest rate.

If you went to this page, then most likely, you really got into a difficult situation, which money will help you to solve, and as luck would have it, the bank does not give you a loan. Well, there is nothing surprising here, banks have a lot of reasons that will justify their refusal just for you. But do not panic, you can always find alternative options where to borrow the required amount. Moreover, if you do not want to borrow too much, and you can give it back in the near future.

The bank, as a large financial institution that gives money at interest, primarily cares about its profit and the repayment of its own funds. Consequently, for each client there are a number of strict requirements, the non-compliance with which entails an instant refusal to credit.

Among the main reasons for refusing a loan, it is worth noting the following:

• Bad credit history is the most important criterion. If there were serious delays in payments or locally have moments of evasion of their financial responsibility to creditors, then with a hundred percent probability you will be denied a new loan.
• Low income - a priori, if your monthly earnings are insufficient to cover the living wage and the forthcoming monthly payment, then you will most likely be refused.

  Help! The size of the salary must be at least 2 times more than the amount of the monthly loan payment

• Debt - another indicator that reduces the chances of getting a new loan. That is, if you have already taken out a loan from another bank (albeit a small one, it does not matter), have issued a credit card, then it is almost pointless to count on another loan. The bank will consider this to be too large a credit burden.
• Lack of permanent registration also serves as a good reason for refusing credit.
• If you wish, you must issue a serious loan amount need a surety or bail ... If you cannot provide either one or the other, then you will not have to count on a loan.
• Lack of formal employment and the ability to prove your income. Of course, many banks have already appeared that offer loan products even to persons without official employment, but their loan conditions are often extortionate.
• Conviction - another excuse to refuse a loan. It does not matter to the bank for what the client was convicted, the existence of the fact of an offense is important, therefore, such a client cannot be trusted.

Of course, these are not all reasons, at least you can add the fact of the presence of dependents, inconsistency with age restrictions, attempts to deceive the bank and others. The bottom line is the same: the bank, trying to secure its finances, will carefully consider each client and establish strict selection criteria.

How to solve your financial difficulties without the help of a bank?

If for some reason the bank denied you a loan, this does not mean that there are no alternative ways to solve the financial problem. If you do not know where to get money if they refuse everywhere, then here are 6 more ways for you to borrow the required amount:

• online MFI;
• pawnshop;
• private investor;
• internet loan;
• contact the bank again.

Quick loan from MFI

The very first and most demanded organization for issuing microloans after a bank is an MFO. Of course, such organizations have a number of pros and cons, but in general they almost always (95%) issue loans.

The advantages of microfinance organizations are:

• minimum requirements for the borrower;
• the speed of making a decision on the issuance of a loan;
• low bounce rate;
• you only need a passport.

Note! In most cases, only a passport is really sufficient. However, there are a number of MFIs that offer lower interest rates for the use of loan funds, but in return they require a certificate from the place of work to confirm your solvency.

At first glance, everything is just fine: I came, presented my passport and received the required amount. But not everything is so simple. There are still some disadvantages:

• the interest rate is set for every day the money is used, and even more (for example, MoneyMan - up to 1.75%, Seimer - from 0.63 to 2.2%, Smsfinance - up to 1.6%);
• most often, MFOs issue amounts of up to 30 thousand rubles, although there are exceptions;
• the terms for repayment of such debts are small, although they can be prolonged if you write a corresponding statement.

Important! Although the maturity period is short, this is a kind of additional plus for the debtor. After all, interest is accumulated for each day, and provided that the loan is issued for 10 days, then the debt will have to be repaid with an additional payment in the form of 15-20% to the amount received earlier.

The procedure for obtaining such a loan will take no more than 15-20 minutes. You will sign an agreement, which will indicate the amount of the loan, the interest for which it is issued and the term for its repayment. However, do not forget that such organizations may try to cash in on you and write additional conditions into the agreement. Therefore, carefully read each line before signing anything.

After signing all the papers, money can be issued in one of the available ways:

• personally in hands;
• transfer to the card;
• transfer to an electronic payment system (WebMoney, Qiwi, etc.).

Online MFI

In fact, these are the same organizations, only in order to apply for a loan you do not need to go anywhere, you can apply directly from your personal computer. The main and important difference is that with the help of such loans, you can not only re-borrow, but also correct your credit history. By applying for 3 minimum loans and paying them off on time, you show that you are a conscientious payer. And already the next loan will be given to you at a more loyal percentage and in a larger amount.

We hand over values ​​to a pawnshop - we get a loan

A safe option to urgently re-borrow money is to contact a pawnshop. These financial institutions have existed for several hundred years, and can be either private or state-owned. Moreover, whatever form of ownership you choose for the pawnshop, they all do the same thing: they give out a loan secured by valuable things, and they take payment for their services in the form of interest (it is worth noting that they are very impressive).

Advantages of pawnshops:

• the client receives money immediately;
• to obtain a loan, you only need identity documents (passport and code);
• the decision will always be positive;
• Any household appliances, electronics, jewelry and valuable interior items, cars and land plots can be pledged as collateral (for registration of the latter, title deeds are required).

The disadvantages of such a loan can be safely called:

• high interest rate;
• for late payment, the pawnshop can keep your property and sell it without your consent;
• the appraisal process is a formality, because most often the real cost of a thing is reduced by 2 times;
• it will be possible to return the thing only after the full repayment of the debt and interest.

Note! Things can be handed over to a pawnshop as a pledge, or immediately sold! At the same time, do not forget that their real value will be much higher than what the appraiser will offer you.

Private investor services

One of the most popular ways to re-borrow money without a bank loan is to contact a private investor. Of course, finding an honest lender who doesn't try to rip you off is hard. After all, this is a very successful field of activity for scammers, but there are still such.

You can find a person who can borrow a certain amount at interest both on the Internet, using a credit bulletin board, or through friends.

Important! It is worth carefully studying the reviews about this person so as not to become a victim of fraud.

The investor needs guarantees to complete the transaction. To do this, you will be asked to sign an agreement or draw up a receipt, which will indicate the conditions for obtaining a loan, its size and maturity. As a guarantee of repayment of money, the creditor may require the provision of a pledge in the form of property.

Note! Pay special attention to contracts prepared in advance. It may describe the conditions under which you will lose your property for the slightest delay.

Online loan systems

Another way to borrow some money is through an internet loan. It can be issued both with the help of electronic payment systems, for example, webmoney or qiwi, and using the services of p2p lending services.

In the first case, you get a loan to your own wallet. The higher your rating, the more you can get. In the second case, exchanges act as intermediaries, where you can find a suitable borrower and, under the supervision of arbitration, make a deal. Among the popular sites it is worth noting: Fingooroo, BTCJAM, Bezbanka, Credbury and Vdolg.ru.

For their services, the exchanges provide for a commission, and in return they take on the duties of an intermediary, and in case of disputable situations they act as a guarantor of the settlement of the conflict.

Repeated appeal to the bank

In most cases, a potential borrower applies to large state-owned banks, since their credit of trust is much higher, and the interest on the loan is lower. But due to more affordable credit conditions, the requirements are becoming more stringent. Of course, no one has canceled private financial institutions. And the last option to borrow money is to re-apply to the bank, but with higher rates.

For example, Sovcombank is loyal to clients with a slightly tarnished credit history and gives them the opportunity to rehabilitate themselves by issuing three consecutive small loans in the amount of up to 40 thousand rubles. By paying off your debt on time, you will improve your borrower performance and be able to qualify for new loans at more affordable interest rates.

At the time of registration of a loan in Sovcombank in order to restore its own reputation, it will be possible to obtain a loan only at extortionate interest in the amount of 47.7% per annum.

You can also contact Tinkoff or use the services of KP "Let's go". The main advantage of the latter will be the absence of a scoring system (computer selection of clients). Consequently, this gives the talkative clients additional chances to charm the bank employee and entice him to give you the loan you need.

As a result, I would like to note that there are no hopeless situations. Do not give up if you are refused in one place. All doors are never closed: knock and they will open for you. There are many ways to find money. Sometimes you have to seriously overpay, and other times you just need to go to extra work, or, as an option, sell things you don't need. And nobody canceled donation. The main thing is to try as many ways as possible, some will come in handy for you.

Citizens with bad credit history do not need to wonder where to get loans if they are not given anywhere else, since they will receive any amount from MFIs. These organizations have many advantages over banks:

• Minimum failure rate.
• The services can be used by unemployed people, students, pensioners, as well as persons with negative credit history.
• Fast loan processing - the procedure rarely takes more than 30 minutes.
• Everything you need can be done without leaving home, online on the official website of the selected MFI.
• The minimum package of documents - to obtain a loan, it is enough to have a civil passport with permanent registration on the territory of the Russian Federation.
• Possibility to correct negative credit history.
• The possibility of prolonging the loan - extending the term for the return of funds.

Where to get a loan without refusal

The question of where to get loans if they are not already given anywhere is not rhetorical. There are MFIs on the market that lend money to problem clients. The borrower is only required to have a civil passport and a desire to pay off the debt on time, without delays. If it is impossible to return the money on time, use an extension. This service is provided by most microfinance institutions.

The most reliable and popular MFOs with a minimum percentage of refusal include: Zaimer, MigCredit, Manimen, Lime Loan and Turbozaym. It not only serves all categories of citizens, but also offers favorable conditions for cooperation. Interest rates on microloans are comparable to the terms of lending in banks. Money can be borrowed both for a short period and for a longer period, up to 1 year. For regular customers, the conditions for lending money are improving.

If the credit status became the reason for the refusal to issue money at a bank or MFI, then use a rehabilitation program at any microfinance organization.

Good afternoon. Today we will figure out why, having applied to one bank or MFO, you were refused, and by contacting another company, they agreed on a loan, provided that the information was submitted to each institution is the same.

Where to get a loan without refusal? Which companies issue microloans to the card urgently, online, without refusals? We will talk about this in the current article.

Why are they denied extradition?

There may be several reasons:

The first reason is credit history. More precisely, the bank's approach to its verification. When the manager examines the application, he makes a request to the Bureau of Credit Histories to get an opinion on what loans and borrowings were, are now, the presence of delays, and so on. This service is paid for the bank. Depending on how extended the conclusions of the BCH provides, the more is charged for this. The simpler the conclusion, the less it costs. The most inexpensive answer would simply be to assess your credit history on a five-point scale. At the same time, the most expensive conclusion can include absolutely everything: every past loan, the date of issue, the schedule of their monthly repayment, even minor delays, current obligations and their expiration date.

Banks can use the services of not only one Bureau, but three or four different ones at once. It depends on the policy of a particular institution and on what budget is allocated for this. If the bank is serious and the due diligence of the borrower is well financed, they will see absolutely everything. At the same time, the bank, which has decided to save money from some of its own considerations on checking the borrower, will order the simplest conclusion in one BKI.

Therefore, having come with the same credit history to one organization, you can get a refusal, and in another - approval and issuance of a loan. It all depends on the depth of analysis and the company's internal policy.

For example, you have an old small delay, a few years ago you were two weeks late with the payment, but then everything was closed. This information is also kept by the Bureau of Credit Histories. A bank that "digs" deeply will see this violation and refuse to issue it, and a bank that will order a simple inexpensive conclusion will approve, since on a five-point scale you will be given a score of four.

The same scheme works in MFIs. If a microfinance organization has been around for a long time, has a large base of regular clients, it is unlikely that it will make large disbursements to people with bad credit history. But a new MFI, just starting out, is focused on development and wants to acquire loyal borrowers. Such a company may be directed to receive only the cheapest opinions and issue loans to all people with bad credit history, but with a score, for example, of at least 2 out of 5.

Human factor and company policy

The second important point is the financial institution's image of its client. In one bank, a pensioner is the most desired client, because they believe that this category of people is the most reliable, and a person will not have problems with repaying a loan, and in another, people over 55 are not given loans at all, based on their internal considerations. ...

Each organization makes for itself a decision on the amount of the loan without a certificate of income confirmation. In one case, it may be 30,000 rubles, in another - 2,000. The same applies to lending to certain categories of workers, for example, realizing that the country or a certain region has a difficult financial situation and weak demand for the purchase of real estate, the company may make an internal decision not lend to employees of construction companies and real estate agents, predicting their problems with income and non-repayment.

Older age is not the only reason for refusal. Some donate funds to people only 25 and older, while others are happy to work with students of all ages.

The third reason is the human factor. A specific manager in the company who accepted the application could make a mistake when entering the data and indicate that your income is not 30,000 rubles, as you said, but only 3,000, so the scoring system rejected it. Also, do not forget that you yourself could have made a mistake in any data, for example, in a phone number, and that is why a call from an employee with an approval message did not take place.

The fourth factor is the specific money situation in a given organization. With any hint of the emergence of a crisis in the country, there is an outflow of deposits - people take their deposits, respectively, banks cannot issue loans in the same volume, they simply cannot physically give money to a person, since there is no extra money. The borrower may think that the matter is in his bad credit history and give up, but in fact the whole question is the availability of funds in this particular company.

Where to get money

If absolutely all banks refuse, there are several options - to borrow from friends or contact an MFO. Friends may not have the right amount of money, or it may just be awkward for you to contact them. Therefore, the most optimal option is an MFI. Especially if you need relatively little money and for a short period of time.

Microfinance organizations are more loyal to people with bad credit history and give out money more often. Moreover, we propose for consideration a number of companies that issue the first loan without interest - so to speak, for trial. A list of the most trusted MFIs is below.

An important point! Considering all the information written above, we recommend that you do not limit yourself to one request, but submit 4-5 applications simultaneously to different companies... If someone refuses due to poor CI, in another the human factor will work, then at least one MFI will definitely approve the loan. Good luck!