Everyone wants moneyfrom the credit organization and at the same time provide a minimum package of documents. In addition, almost everyone dreams of issuing a treasured loan as soon as possible, preferably within 15-30 minutes. Is it possible? Are there any organizations where anyone can take a lucrative loan without guarantors?
Yes, indeed, today there isexpress lending service, which, as a rule, does not require the provision of additional documents or the participation of relatives or friends when filing an application.
Benefits
Before deciding where to take a loan without collateral andguarantors, it is worth considering the pros of such loans. They can be considered relative confidentiality. Thanks to this, when receiving a symbolic amount of money, the client does not have to worry about the fact that employees of the financial organization will call his relatives, friends and colleagues at work.
Among other things, such loans are differentspeed of consideration. Money can be obtained either at the time of treatment, or in 1-2 days. Another advantage is that the borrower does not need to inform his employer that he is going to take out a loan, since a 2-NDFL certificate is not required.
In addition, to obtain such a loan is not necessaryIn addition, to disclose the amount of their monthly earnings. The procedure for reviewing such applications is simplified to the maximum possible. Therefore, most customers need a minimum of time and documents in order to get a credit.
Disadvantages of such programs
However, sometimes when they receive loans, not all of them are so good. Therefore, before you find where you can take a loan without a guarantor, it is worth considering some of the shortcomings of such programs.
First of all,that the bank will not be able to provide the borrower with a large amount of cash. Also, as a rule, the fewer demands a financial organization has on a borrower, the greater the percentage of its annual expected. If we talk about average indicators, then, as a rule, overpayment is 17.9%. In many credit institutions, there is also an upper threshold of the credit rate, which can mislead those people who have not yet faced microcredit. As a rule, it is the maximum scale that calculates.
It is also necessary to pay attention to hidden commissions, which can often be found in the contract. Additional options often increase the final cost of a "simplified" loan.
Also, determining where you can take a loan withoutsurety, you need to pay attention to other nuances. Another disadvantage is a rather short period during which the borrower must repay the debt. As a rule, it is 12 months, and only in some organizations payment can be made within 36 months.
Another drawback is thatlarge banking institutions rarely provide this type of lending. However, there are several financial offices that deserve respect. Consider the most popular of them.
"Eastern Express"
If we talk about where to take the loan in cashwithout guarantors, it is worth paying attention to this financial institution, in which today operates a program called "Seasonal". Under its terms, the customer is offered overpayment in a fixed amount of 15%. In this case, the borrower can count on cash in the amount of 25 to 50 thousand rubles.
The repayment period may be 36months. An application for a loan is considered on the day of appeal. If we talk about the requirements for borrowers, then the citizens of the Russian Federation, who are over 21 years old, can count on the loan. If an online application is made, then the minimum age rises to 26 years. To receive money, you do not need to provide additional documents, just passports.
"Renaissance Credit"
This credit organization will be interesting for those,who does not know where to take a loan without sureties. In this case, the percentage of overpayment can vary from 12.9% to 26.7%. Everything depends on the amount that the borrower expects, as well as on some other conditions.
The minimum loan amount is 30 thousand rubles. At the same time, the repayment period can be from 24 to 60 months. An application for cash is considered within one day.
Also in the financial institution existcertain requirements, according to which only Russian citizens aged over 24 can count on a loan. In addition, it is sufficient to provide a certificate from the last place of work, where the borrower is working for at least 3 months. At the same time, the minimum income of a potential client should be at least 8,000 rubles a month. Participation of the guarantor is not required.
"Mail Bank"
If a citizen of the Russian Federation is looking for where to take a loan withoutguarantors, then in the given credit organization it is also possible to issue a micro-loan within 1 day. Its minimum amount is 50 thousand rubles, and the period for which the customer can pay off the debt will be from 1 year to 5 years.
There is a fixed interest in Post Bank.overpayment, which today is 14.9%. However, when talking about where to take a loan without guarantors, it is worth paying attention to one feature. When issuing loan funds, a commission is withdrawn at a time in the amount of 3.9% of the loan received.
In order to make a loan, you must provide a passport and SNILS. As a borrower, any citizen of the Russian Federation aged 18 and over can act.
Mast-Bank
В данной кредитной организации можно получить money for a period of 1 to 2 years. If the client refuses to apply for an insurance policy for life and health, the interest rate will be 20.9%. If this requirement is met, the overpayment will be reduced to 17, 9%. The final interest rate is determined based on the specific situation. The manager of the organization takes into account the period for which the person wants to receive a loan, as well as working experience. The loan period can be from 12 to 60 months.
The money is given to Russian citizens aged 21 to 65 years. This organization will also be of interest to those who are looking for, where to take a loan without guarantors.
