Where can I make a loan with bad ki. Credit with bad credit history. List of young banks that are not important credit history

People with good, high white salary, great experience and other signs of financial consistency banks are issued in cash without problems. But most often the money is not needed at all, but those whom they cut, who only got on work and have not yet received a salary, or those who need to close another loan. If you are from you and you have a bad credit story, read how to be in this case.

7 reasons that spoil the credit rating

To begin with, a bit of theory - why do you have a bad credit history at all, how is it formed and where do other banks know about it?

First, there is a special BKI (Bureau of credit stories), more precisely, not one, but several. In them, banks submit information about all borrowers and there also take data on new potential customers. Large state-owned companies cooperate with all KBI and recognize all your feet. Commercial - only with part of them and there is a chance that some information will remain a secret for them. Young organizations and services for express loans - can not check the ki at all or give everyone or almost to all to attract new customers.

Not on time pay interest on the loan;
Have current delay without valid reasons;
Monthly payments are more than half of your income;
Fraudsters took a loan into your name (for example, on a photocopy of a passport);
The bank issued a credit card in your name without your knowledge;
He did not transfer data to the BKI that you closed a loan;
Debt sold collectors - they even less transmit information about payments paid to the BKA.

The first three reasons are your fault, but in this case you yourself know about your problems and probably try to solve them. But the last four - they do not depend on you, and in the case of fraudsters, you will not know about it at all while you do not come to demand debt and interest on it. How to be? To begin with, check your rating.

6 simple ways to improve ki

After checking your credit history, it is necessary to eliminate all the problems you can. For example, contact the bank with a request to specify in the BKA that you closed a loan or write a complaint about the scammers. All that was not in your fault - fix, and you still have to:

Try to close all current delay (read -);
Ideally - pay off the whole debt;
Do to pay less;
Take away great amount in debt and on time to repay it (programs and to improve or form from zero to help);
Buy in installments goods in the store - they do not turn to the BKA and you can form a positive rating;
Take, car loan or loan for a large amount and long time.

In the latter case, applications are considered individually, and can personally affect positive side on the decision of the manager. But with small loans - borrowers with a bad ki, it cuts off the program, and you automatically receive a refusal to fail, which even more negatively affects your ranking. By the way, it is why it is not necessary to submit a dozen applications at the same time in different places - refusals see other companies that negatively affects KI and reduces the probability of approval.

10 banks working with bad credit history

And, finally, if you fixed everything that could, and decided to take a loan again, it is better to make it in those banks that are more loyal to bad credit history with a greater probability will make you a loan even with debts and delay. It is usually either young or old, but not too large commercial organizations. We have collected a detailed rating of such companies for you.

Private investor - Credits those who refused banks. The most loyal with a large number of approved applications up to 80 out of 100 - Oriental and Renaissance. Cash slightly worse Homacredit and Tinkoff. In the remaining chances of 50 to 50. Tinkoff, East and OTPs work with unemployed or unofficially employed. Houmbredit and Renaissance also requires help. IN Sovcombank It is worth contacting pensioners. IN SKB. - From spoiled ki for fixing it.

Loan from a private investor from 13.5% even with bad ki

The amount: 250,000 - 35 million rubles;
Term: 2 months - 17 years;
Interest rate: from 13.5% to 16%;
Documents: Passport + SNILS or other add.;
Age: 18 - 59 years.

Call: 8-939-302-55-55
Write: [Email Protected]

Private investor Sergey Alexandrovich offers help from own personal funds. I am ready to give money already on the day of circulation even if other companies refused, corrupted or not official work. Registration under the loan agreement (on receipt) without prepayment and only on the passport and SNILS. Since 18 years old. Call and get cash today!

East - even problem borrowers

The amount: from 25,000 to 15 million rubles;
Term: 1-20 years;
Interest rate: from 9.9%;
Documents: passport of the Russian Federation;
Age: 23 - 70 years.

The main advantage - applications are considered very quickly, within 15-30 minutes, and you can pick up money at least today. Plus, it takes only a Russian passport for registration, no other papers, including 2-NDFL certificates and corporate copies, do not need. Slightly higher than now in other companies, the rate, but it is a very high probability of approval and a minimum of paper red tape.

Renaissance loan - up to 700,000 per day

Amount: up to 700,000;
Term: 2-5 years;
Interest rate: from 9.9%;
Documents: 2 documents;
Age: 24 - 70 years.

This bank It has long been working on russian marketBut it is impossible to call it large. Known by the fact that most willingly issues loans in cash and credit cards with low credit rating and without ki.

Home Credit - Loan for 200,000 - 300 000 and more

Amount: from 10 to 1 million rubles;
Term: from 1 to 5 years;
Interest rate: from 7.9%;
Documents: 2 documents;
Age: 22 - 64 years.

Another loyal to borrowers is an organization. Income certificate does not require, and in the quality of the second document you can make banal driver's licenses or SNILS.

SKB-Bank - without failure credit history

Amount: from 50,000 to 100 000;
Term: up to 3 years;
Interest rate: up to 59.9%;
Documents: only passport;
Age: 23 - 70 years.

It is originally positioned as a bank who are ready to draw out loans for those who have no credit history or is corrupted by delay in the past. Takes quite high interest, but it does not refuse to almost anyone. Issues cash only 1 document.

Citibank - approval even with delay

The amount: from 100 thousand rubles to 2.5 million rubles;
Term: from 1 to 5 years;
Interest rate: from 12% to 18%;
Age: 23 - 65 years.

More specializes in issuing cash to customers with a good credit rating, but often does not refuse those who are spoiled by Ki. But it will be necessary to prove that you were corrected, going to pay on time according to the schedule, plus provide a certificate that you receive income sufficient to exacerbate the debt taken without overdue. Accordingly, official work is obligatory.

Tinkoff Bank - trouble-free loan up to 1 million

Amount: up to 1 million rubles;
Term: from 3 months to 3 years;
Interest rate: from 12% to 24.9%;
Documents: only passport;
Age: 18 - 70 years.

The ideal solution for those who do not want to walk anywhere and collect a ton of documents or fill out some long and incomprehensible questionnaires. It works very simply - you make out on the official website, specify reliable data. The bank checks and usually and the same day sends you SMS on the decision. If the loan is approved - the courier comes, brings the card with money, and you go to any ATM and remove them without a commission. And all this - from the age of majority.

OTP Bank - on the day of circulation without credit history

Amount: up to 1 000 000;
Term: up to 5 years;
Interest rate: from 10.5%;
Documents: passport + income certificate;
Age: 21 - 65 years.

It is known for the fact that very quickly, literally in 15 minutes it considers the applications sent and make a preliminary decision on SMS. Further you will just get to the office, bring required documents, sign a contract and get money. It gives out cash even those who have no ki at all.

Sovcombank - 100,000 with the lowest percentage

Amount: up to 100,000 rubles;
Interest rate: from 8.9%;
Term: 12 months;
Documents: 2 document + income certificate;
Age: 20 - 85 years.

And the most delicious finally. Excellent offer from Sovcombank - can be obtained on a loan of 100,000 per year - only 8.9% overpayments. There are no other such offers. The organization is known, but not too large, therefore it is loyal to spoiled ki. The main thing is to bring all the necessary documents and a certificate of current income. This program It also applies to pensioners.

Other ways to get a loan with low cr

In addition to banks, there are other ways to take money in debt with a bad credit history. Here are some more ways:

Credit cards. Do you know that credit cards are much more loyal than cash? Yes, the limit there will be small there, interest above, and even for cash withdrawal will have to pay the commission. But the probability of approval is more. (Top. Cash on bail. To convince banks in your financial consistency, offer them something essential in the guarantee of your loan. The most popular loans and.
Bring the guarantor. Yes, most want to take money, but it is not always possible. If you find someone who agrees to become your guarantor (reliable, with good salary and perfect ki), then consider that you will get + 50% for approval;
Credit brokers and assistance in obtaining a loan. If it is difficult for yourself - contact. There are private brokers and entire companies that help to get approval from banks. The main thing here is to choose from reviews and not run into fraudsters. The Commission for Help is high, and there is no 100% guarantee. Therefore, it is better to abandon cooperation with those who take advances even before you receive a loan.
Private loan. Yes, now there are private individuals who issue loans to others. Access to ki usually do not have, but do not really check. The contract is often able to limit the simple partition that you took the debt. But interest is robbing.

Refused banks? We go to MFA

If everything is completely bad and even in those banks, which is loyal to customers with a spoiled history, you refuse, one way out remains - contact microfinance organizations. Yes, expensive. Yes, high percent. But even with delay you can get a loan if money is urgently needed.

6 proven MFOs For loans from bad ki, where they will definitely not refuse.

- the most profitable option after banks. The rate of 11.9% per annum (in contrast to microloans from 1% per day) and issued at once to 300,000 rubles. Work with any history and require only a passport and a working phone (you can mobile).
- Fixed, independent of weather conditions and mood MFO rate 1%. You can get up to 30 000 rubles for a period of 7 to 30 days. Only a passport will be required, money come to your bank card.
- Automatic round-the-clock approval without the participation of managers. Send an application, after 15 minutes the money will already be on your card. The stake is the same - 1% per day. But approve even with bad credit history and delay.
- According to the promotion, which is there now, the first loan can be obtained for free at 0%. If you have not yet appealed - you are lucky. For secondary loans, the percentage from 0.87% to 1% per day. And need a certificate of income.
- The biggest MFI in Russia. Cash is issued from 18 years only by passport from 0.76% per day. Work with students, unemployed and people from spoiled ki, including debts and delay. But it is better to pay on time and quickly, to then not turn out to be 2-3 times more than I took.
- Another famous microfinance organization in which you can seek money with a bad credit rating. The rate from 0.63% per day, give up to 30 thousand rubles. After registration of the application, after 5 minutes the money will be on the map in case of approval.

Not many know how to get a cash loan if a bad credit history. In domestic space, there is a sufficiently large number of organizations issuing money to people from spoiled ki. In the general list of rating, both foreign and russian representative officeswhich are engaged in consumer lending. Therefore, the client always has the possibility of individual selection of organizations. Most often, borrowers with the missing or problem history of the loan are addressed to online services.

Due to the high speed of data processing and the absence of a need for documents, it is possible without obstacles to obtain the required amount of funds for almost any time. In this case, the number of documents that must be submitted will be minimal.

List of banks providing cash loans with bad history without reference

8 banks from the list support the issuance program credit funds Persons with a bad and with a good credit history for any available amount. The table contains key data that may be required when choosing a lender.

Unlike other banks, the listed institutions issue loans regardless of the availability of history for small interest. This is quite profitable for all customers who had previously outstanding debts or other problems associated with payments on time.

Safety is the key to successful lending

When choosing banks, the client must be guided common rules security of online institutions. Before issuing a loan and provide personal documents It is important to familiarize yourself with the license of a company that is usually present on main page Site below. It is also necessary to explore all the terms of the lending program in order to further avoid difficulties with interest payments.

Despite compliance with the policy of honesty by credit institutions in the inner space, there are many companies that deceive customers. The essence of the deception is to gradually change the interest rate throughout the maturity of the debt. Ultimately, the client overpays a significant amount of funds.

Is it possible to submit an online application for a consumer loan without credit history

Despite general banking practices in terms of issuing credit funds, citizens with any credit history can get money. To do this, it is enough to choose a service that is most suitable for consumer lending, familiarize yourself with the terms and to apply a personal application. The questionnaire will require you to specify the minimum number of personal data and, if necessary, attach copies of documents. If you comply with all the established requirements, the client can quickly receive credit money regardless of previous loan history.

For registration enough to go through several stages:

Read information and credit cards and lending program.
Make copies of documents for granting.
Fill out a questionnaire with the requirements.
Take official confirmation from the bank.
Get funds in any convenient way.

Loan amount depends on salary

To take a loan in this case, it is enough to have a permanent employment with a minimally permissible salary of 15,000 rubles per month. Each citizen can arrange credit funds regardless of status. Also pick up a small loan has the opportunity and student. Persons who are students of any universities are provided with individual lending conditions.

Most often, the maximum loan amount on the selected program does not exceed 20,000 rubles. However, the final size of the loan may vary with the details of personal requirements and the specific financial position of the borrower. Often the amount is determined on the basis of employment conditions and wages. It is important to get acquainted with this information in order to ensure lending confidence.

Where it is better to get a cash loan urgently with a good credit history

The choice of a bank to receive a loan depends in person personally, who often selects the company based on their own experience or feedback from other clients. Most citizens are focused on low interest And the maximum amount of issuing funds. In this case, customers often overpay due to disadvantageous credit company. As a result, the decision of the temporary financial difficulties turns into a new problem.

Pay attention to the rating in the company's table.
Study all the terms of lending.
Analyze interest rate program.
Compare lending conditions with other institutions.
Get acquainted with the list of providing documents.

Credit refused - make a credit card

Most organizations give all customers. In this case, it is important to familiarize yourself with the terms of the credit and further rules of use. After all, some banks establish overestimated interests for removing credit funds, which is inconvenient and expensive for users.

All basic information about is located in the appropriate section. If there are difficulties with the application or the provision of documents, it is recommended to contact online consultants. You can also get help in the Replies section of the questions that are present on the site of any banking company.

Today it is almost impossible to find a person who would not make a loan at least once in life. However, there are different situations, and not everyone does not always work fully fulfill their obligations to the bank. Due to the late payment of debt very easily to get a "black label", which is called a bad credit history. What bank will give a loan if the borrower has already failed the previous bank with payments? Do not exit this situation?

In fact, everything is not so sad, as it might seem at first glance. Yes, indeed, most financial organizations behave peculiar general baseIn which all the negligent borrowers are entered. After the Bank's new client submits an application for a loan, first of all an employee financial organization Checks whether there were problems with payments. If such cases took place, then most likely the client will receive a refusal of a new loan. However, speaking of which bank will give a loan with a bad credit history, it is worth paying attention to several useful recommendations Those who want to improve the situation. This is especially true today, when such proposals are constantly found on the network.

Is it possible to improve credit history?

This is really possible if, after an unsuccessful loan, another financial institution agrees to provide the client with a loan. Such a development of events is possible, but only if you try to apply for a bank that does not enjoy universal popularity. However, even at the same time, a financial institution officer will definitely clarify the reasons due to which the borrower has received such an uniceceptible status. In addition, you need to be prepared for the fact that the Bank will definitely check the presence of a permanent job, the level of earnings, as well as the presence of movable or real estate.

Of course, everyone chooses the prospect to reset the problems that were with previous loans. However, it is worth thinking several times before going about the scammers. Help in obtaining a loan with a bad credit history cannot be supposed to be that by the kettling of the magic wand all negative events will simply erase from the database. Such authorities do not have one of the organizations offering similar services. Therefore, you should not believe in a miracle that for several thousand rubles a private person can help in solving this problem.

First of all, it is necessary to study the list of banks providing loans with a bad credit history. It is best to give preference to "young" financial institutions. As a rule, such banks are ready to forgive the sins of the past, just to get a new potential client. However, it should be borne in mind that it is not necessary to wait for favorable conditions in this case. Usually in such situations, interest rates are too high. But after such a loan, you can rehabilitate a little in the eyes of more serious organizations.

Another option is to try to make a mortgage or another impressive loan. The fact is that in this case the application will be considered personally by a bank employee, and not automatic programs that are always used for small loans. Of course, the computer automatically sifts everyone who has ever had problems with payments. If the client communicates with a bank employee, then he has much more chance to convince him that non-payment in the past were associated with serious problems and in the future this will not happen.

You can also try to get a loan with a bad credit history with the guarantor. If a solvent citizen will be responsible for the borrower, then the bank will have more guarantees that all the cash provided to him will return. However, it will be quite problematic to find someone who agrees to take advantage of such responsibility. In this case, you can try to make a loan with a bad credit history with a deposit. If the borrower has a movable (car, expensive technique) or real estate (Apartments, houses, etc.), then it can specify it and guaranteed to receive money.

Another option is to get the help of a credit broker. As a rule, such specialists have a good information about which bank will give a loan with a bad credit history, as well as about all the features of the work of a financial organization. If the broker is really a professional, it is guaranteed to find a way to get money. However, you need to understand that these services are not free. Per good work Sometimes you need to give up to 50% of the loan amount. In addition, there is a big risk to stumble upon a fraudster. Therefore, it is necessary to apply only to reliable and proven professionals or independently find which bank will give a loan with a bad credit history. The benefit today such organizations exist.

"Houmkredit"

This bank specializes in issuing money (cash or card) individuals on the consumer needs. In this case, the client can get the amount up to 700 thousand rubles for 20% per annum.

Applications are considered at the time of circulation, so the answer can be obtained within 5 minutes. This bank is popular because interest ratio Failures in granting funds are minimal. From this we can conclude that with a greater probability the client will be able to arrange a loan here, even if he had problems in the past.

"Renaissance Credit"

In this bank you can get a loan of up to 500 thousand rubles. The interest rate depends not only on the amount of credit, but also from the credit history of the client. More trusty citizens can count on 18.9% per annum. Maximum possible rate will be 32.5%. However, to get a loan credit in the Renaissance bank with a bad credit history, it suffices to submit a complete package of documents confirming the availability of work and permanent wages. If the client confirms his solvency, then the fact that in the past he missed payments, becomes not so important for the bank employee.

However, it is worth considering that, according to the statistics of the loans provided, the average interest rate in this financial institution is 28.5% per annum.

Sitibank

Those who are looking for where to get a loan with a bad credit history is necessary to pay attention to this financial organization. In Sitibank, they do not hide that even the unreliable borrower can count on the loan. However, this applies only to small loans in the amount of from 100 to 450 thousand rubles. In this case, the client should not submit a 2-NDFL help to confirm its solvency. If a person works unofficially or working in a temporary position, then, as a rule, this is enough. For larger loans will have to submit a complete package of documents.

It is also necessary to understand that if the bank goes to such concessions, it is not a gesture of goodwill. In this case, the client is waiting for a rather impressive overpayment, since the minimum interest rate according to this type of lending is 26%.

"Oriental"

Where to get a loan with a bad credit history? You can try to contact this relatively young, but pretty large bank. Especially if the cash is needed urgently.

Loans are issued on bail, the amount of which is up to 100% of the value of real estate. At the same time, it is possible to obtain a loan in the amount of up to 15 million rubles for 15 years under 16 percent per annum. The only drawback of such a loan is the term of consideration of the application, which ranges from 4 days. In addition, only those borrowers who live in the regions where there are branches of the bank are considered.

"Sovcombank"

This bank offers customers pretty profitable termsEspecially if the client is ready to provide real estate as a collateral. In this case, the percentage of overpayment will be 15% per annum, and the loan amount may reach up to 30 million rubles. However, you can get no more than 60% of the estimated value protection property. The loan period in this case is 10 years maximum. Bids on loans are considered within three days.

Also, this bank offers several programs specifically for those borrowers who acquired a bad credit history:

"Money on the card." This program provides small loans in the amount of 10-20 thousand rubles for 6 months. Thus, you can get a credit loan with a bad credit history. However, the amount of overpayment will be 40%, so it is necessary to morally prepare for such a loan.
Express Plus. This is another option for those who could not pay the previous bank loan. In this case, the holder of bad credit history can count in the amount of up to 60 thousand rubles for a period of 18 months. True, the interest rate is also quite high - 39%.

Microloam

Banks are not the only organizations in which you can get money in installments. In addition, these financial institutions, as a rule, check in detail the history of payments of borrowers and reluctantly provide cash to unfavorable customers.

In the MFI, the situation is different. As a rule, microloans are provided without any confirmation documents (enough passports) or pledges. At the same time, MFO staff rarely concerns the issue of having a favorable credit history. However, there are also cons. First, the loan amount rarely exceeds 20 thousand rubles, and secondly, interest "bite".

MFI "Credit Plus"

In this organization, borrowers can get up to 15 thousand rubles for a period of 1 month. At the same time, cash can be caught in cash (using the "Contact" or "leader" services) or an existing bank card. And the borrowers do not make serious requirements. The only thing that will be needed is to submit a passport. Credits are issued to citizens under the age of 75.

MFO "E-loan"

In this organization, you can easily get a microzhem to 15 thousand rubles for 30 days. The only condition: In order for the borrower to be a citizen of the Russian Federation, and his age did not exceed 65 years.

There are also MFIs in which you can get up to 7 thousand rubles for 1 month, even if the borrower is up to 90 years. For example, in the "center of loans" even offer courier services, which is ready to bring all the necessary documents to the house.

However, it is necessary to understand that microloans are always draconian interest and very serious measures to obtain unpaid funds. Therefore, once again it is worth thinking before contacting such organizations.

Credit card

To obtain plastic, as a rule, a large list of documents is not required. In addition, if a person is already a bank client, he may even issue a card independently, through a personal account.

Also on the Internet you can find a huge number of organizations operating online. They specialize in mapping maps that are sent to customers by mail. Cash In this case, you can remove using ATMs of partner banks.

Tinkoff and others

Credit on a card with bad credit history is quite possible in this online bank. At the same time, a rather impressive loan limit is provided (if compared with MFIs) to 300 thousand rubles. Applications are considered 1 week, after which they are usually approved, and the client receives a mail card or courier.

Also worth paying attention to the "Mail Bank". Credit with bad credit history here is also really obtained. In this financial institution, you can arrange a map in sum from 5 to 15 thousand rubles without submission of a package of documents confirming solvency. In addition, the grace period of 60 days is provided for repayment of debt without interest accrual.

Get a loan with a bad credit history in the "OTP Bank" and "Summer Bank" is also quite simple. This is explained by the fact that these financial organizations appeared relatively recently. Therefore, they are ready to consider even dysfunctional borrowers as customers.

Banks do not willingly give loans to customers with a damaged credit history (ki). And it is possible to spoil it very easily. The credit history includes all the facts of the client's appeal to credit organizations.

- if the bank once refused to be loan for any reason
- If you apply for money in several banks, and got a loan, naturally, only in one,
- if the bank erroneously made unreliable data into a loan report -

all this and much more can fill your credit history with a negative and complicate the credit.

But even if you once detained the payment or did not expect a loan on time, then this is not a reason to despair. The situation can be tried to correct.

Credit with a corrupted credit history: where to get

Spoiled credit history - Serious problem for getting a loan. Consider several possible options receiving a loan by borrowers from spoiled ki.

Loan secured by real estate

Get a bank loan with a corrupted credit history Without pledge and guarantors, it is almost impossible, because when making a loan, your ki will be checked. But if you have liquid property, and better apartmentYou can try to contact the bank for a loan secured by real estate.

In this case, some banks can go to meet you, because even if you cannot fulfill the obligations on the loan, then you are torn by property.

Credit under guarantee

If you have a damaged credit history, then you can try to arrange a loan under the guarantee of physical or legal entities. Of course, in this case, the chances of getting a loan is less than at the pledge of real estate, but you can try.

Credit secured by car

If you have a car owned, then the problem with obtaining a loan is practically solved. A number of banks give loans on the security of the car and you can try to contact there.

In addition, the money on the security of the car is issued a parking lot. Chance to get in the pawnshop loan secured by the car is great, even if you have spoiled credit history and open delay. Do not refuse money and in the usual pawnshop where you can pass valuables.

Credit in a microcredit organization

The appeal to the money in the microcredit organization is a good chance. get an urgent loan with a damaged credit history. Do not refuseMost likely, even if open delay in the loan in the bank. To obtain a microloan, only a passport is required and the completed questionnaire with contact details. Among the minuses of this method of obtaining money is a small amount of loan and high percentage.

Private investor loan

If banks do not give a loan due to spoiled credit history, then you can try to get a loan from private investors. They can be found on advertisements. The issuance of money in this case is accompanied by a receipt and the contract, with a large amount of the loan, will need a deposit. There are even an Internet exchange, created in order for creditors and borrowers to be comfortable to find each other.

Get a credit card

Another way to get a loan during a damaged credit history is to try to issue a bank credit card . If the client has a good salary, the bank can "close the eyes" on roughness in ki, and issue a credit card. Of course, the limit will be not great, but the percentages are not small. But if you knew how to use preferential period And on time to repay the debt, then you can even fix the credit history.

Help in obtaining a loan with a corrupted credit history

For help in obtaining a loan, you can refer to the so-called "credit brokers". They often give ads by offering their services to customers, with a bad credit history. But, collaborating with an unfamiliar intermediary, it is necessary to be extremely careful, check all the information about the broker, because in financial matters it is easy to be a victim of a fraudster! In addition, for help in obtaining a loan, brokers take large amounts that can reach from 5 to 25 percent of the loan value.

Use the service "Credit Doctor"

Some credit organizations offer customers from the corrupted Key to get a loan, use the service "Credit Doctor". The principle of it is as follows: the client with a bad credit history is in debt small amount For a short time, and if you give money on time, then he is offered another loan, but more. As a result, if the borrower pays properly, it can get a full-fledged loan for quite a long time. It is believed that in this way and spoiled credit history It will also be fixed.

People with an excellent history on past loans in the presence of official income to get a loan is a small problem, but usually funds are required to be a completely different category of customers. Find where to get a loan with a bad credit history is not always easy. But row financial institutions I am ready to meet the borrowers allowed in the past delay.

The best banks issuing a loan with a bad credit history offer customers with problems "with problems" quite acceptable conditions for lending. Each case they consider individually and only then decide. But approach to choose a credit institution to get a loan must be responsible.

6 main councils how to get a loan with a bad credit history

Pre-predict in advance whether the loan will be given from bad ki. Credit organizations make a decision taking into account a variety of factors and analyze hundreds of data sources before it. A person may not always affect them.

Increase the chances of approval and make money will help several tips:

In relation to ki, the principle of "time treats" is applicable. The credit history itself is stored for 15 years, but gradually the significance of old overdue decreases. Over time, get approval on the application for a loan to become quite real.
Do not be upset because of the first failure. Different banks Differently evaluate the ki. Approve or not in a concrete bank loan depends on scoring points. It is calculated taking into account Ki, but in various methods in every financial organization. Often the decision of the Bank is directly tied to the quality of Ki, but sometimes it is almost independent of credit history. Read.
It is necessary to determine the nature of the overference. In banks there will be no problems with obtaining a loan if there were only minor delays in the past. Often they do not pay attention to the delay in the duration of up to 10-30 days. But sometimes even because of the small overdue, they can approve the amount less requested or increase the rate. About, how to check your ki Read in a separate article.
It is worth considering the bank through which the client receives a salary or retirement. It is likely that such a client already has a pre-approved proposal. Often, banks are rather loyally refer to ki customers participating in salary projects or receiving pension through them.
Try to contact one of the banks offering express loans. They are pretty pretty high bidBut it's easier to get them. You can also try to get a loan with a deposit or guarantilence. Availability will increase confidence in the borrower
Arrange microcredit in IFC and ICC. MFO - professional participants credit market, but they are loyal to borrowers due to high competition and practically do not refuse applications. It is possible to return the confidence of banks in a timely manner before the MFI. It makes no sense to count on a large amount of microcredit, but it is not always required. Moreover, mFO loan can be corrected by credit history. .

Banks issuing a loan with bad credit history and delay

Banks that give a loan with delay, promote these services is not very actively or completely silent about this opportunity. Approve or not an application depends on the nuances of a particular situation. The final decision depends entirely on the credit institution. But the list of banks, where to really take a loan with a negative ki rather extensive.

Independently navigate in a wide range of proposals credit organizations pretty hard. Choosing in which bank can be issued new CreditIf there were delay, you will have to analyze many options, which takes a lot of time.

Rating of credit institutions will help easier to choose a suitable offer. Reliable banks with optimal conditions were included in it, where you can take a loan if there are delay in credit history. When drawing up the rating, customer feedback was also taken into account. It is borrowers that can best evaluate the quality of the services of a particular institution.

Express loan cash in Renaissance Credit

Renaissance Credit Includes to take a loan from bad ki and delay without attracting guarantors or collateral of property. The salary documents are optional, but their presence will be a plus.

Features of the Proposition of KB Renaissance Credit

Pretty large possible loan size (up to 700 thousand rubles).
The rate for each is determined individually, but it will be at a minimum - 9.9%;
The term of the contract is up to 5 years, but with the possibility of paying debt ahead of schedule.

For existing clients, it is possible to design via the Internet without a visit to the Bank's divisions.

Consumer loan online in Tinkoff Bank

Tinkoff It offers customers who have a not very good credit history, 3 options for consumer loans - without collateral, with a pledge of vehicles or housing. Make a loan in Tinkoff without a visit to the office. An online application is considered usually in 1 hour (sometimes up to 1 day), and the documents will bring the courier.

Features Tinkoff Conditions

In the absence of a collateral, the maximum can be borrowed - 2 million rubles, on the security of the machine - 3 million rubles, and on the security of housing - 15 million rubles.
Without collateral, the contract concludes a maximum of 3 years, secured by the loan term of the loan can reach 5 years, and under the security of housing - up to 15 years.
The minimum rate on an unsecured loan is 12%, on the security of the machine - 11%, and at the departure of the apartment - 9%.

Some customers in the absence of overdue are given the possibility of recalculating interest on the reduced bet.

Cash loan with any credit history in the bank will go

Let's go to - Bank giving cash Credit Even with negative ki. Each situation is suitable individually. The decision is made based on the results of the conversation with the financial consultant.

Lending features in KB go

6 programs are available to the choice;
ensuring is not required when receiving any loan;
the maximum size of the loan is 500 thousand rubles;
minimum rate - 7.77%;
lending time - up to 5 years.

Leave a request to the bank will go

Urgent loan in home loan bank

Houm Credit Allows you to take an urgent loan with delay. Sign the contract valid customers can in the online bank, and everyone else will have to come to the office or meet with a courier.

Basic Features of the HCB Offer

the maximum amount that can be approved is 1 million rubles, but for each client, the limit is established individually;
launch times are coordinated with the borrower, but do not exceed 5 years;
pledge - not needed;
the accurate rate is established only after analyzing the application, it can be 10.9%.

It is allowed to receive a loan one passport. But if the borrower can submit documents about the salary, it will increase the chances of approving the application, especially when requesting a large amount.

Consumer loan cash in Ubrir

Ubrir Offers a loan with delay and bad credit history for 2 programs. Pledge and guarantee are not required anyway. The preliminary solution can be obtained online, but the execution of the contract is possible only in the office.

Basic lending conditions in Ubrir

maximum debt from the bank can be obtained up to 3 million rubles;
the minimum rate will be 11.99%, and in the absence of salary documents - 15.5%;
the contract concludes for up to 7 years, but if you pay long faster, then interest is recalculated.

Without payroll documents, the amount of no more than 200 thousand rubles will be approved. Approval of applications is allowed if the borrower has an open delay in a duration of up to 30 days.

Loan without failure secured by real estate in East Bank

East Bank It offers almost a trouble-free loan secured by almost any real estate. Perhaps additional attraction of guarantors.

Basic Conditions Offers of the CB Eastern Lending with Property Pledge

the maximum size of the loan - depends on the market price of the collateral, but not more than 30 million rubles;
contract term - up to 20 years, but you can repay the debt ahead of schedule;
individual bet - from 9.9%.

Be sure to insure the incorporate object. The subject of the pledge can belong to another person.

Large cash loan secured by cars or apartments in Sovcombank

Sovcombank Offer different kinds loans. An application for a loan with a bad credit history can be filed simultaneously in 3 programs - without collateral, secured by cars or apartments.

Credit in Sovcombank with bad credit history without refusal has the following features

if the client draws up a loan with a pledge of an apartment, then he can count on a loan at 30 million rubles, and in other cases the amount will not exceed 1 million rubles;
when receiving a loan on the security of housing, it is possible to conclude a contract for the period up to 10 years, and for the rest of the programs it will be no more than 5 years.
the rate when activating the "Guarantee of the Minimum Bet" option - 11.9%, and without it - from 16.9%.

It is possible to approve the application without documents about income. But it is advisable to imagine them, especially when requesting a loan without ensuring.

Where to take a small loan with very bad ki or open delay

It is not always easy to find which bank will give a loan if a bad credit history. If there are active overwhelms or very bad ki, the probability of obtaining approval of the application is significantly reduced. If you need to take a very big amount, you can make a microcredit through MFIs.

Various ICCs and IFCs are loyal to borrowers with problems and offer to get a loan to all citizens of the Russian Federation. They allow you to get a loan at almost any ki and also transmit data to the BKA, which helps to improve the credit rating. After paying debt in MFIs without overdue, you can return the credibility of banks.

Lending features in MFI

Various types of credit programs. Loans are issued with a deposit and without it. Available amounts and other conditions of the microcredit can differ significantly in different companies.
Fast decision. Competition in the MFI market is very high and companies are trying to respond as quickly as possible to customer applications. In some cases, approval occurs automatically.
The possibility of online design. It is available to all customers, but only on loans without ensuring and not in all companies.

Proposals in the loan market from the MFO set. It is quite difficult to navigate in such a number of products. It is much more convenient to immediately explore the suggestions of the best IFC and ICC offering funds to customers with "problem" ki.

Money on credit secured in Moneyman

Moneyman. - One of the online loan market leaders. He permits to take a loan with a very bad credit history. Moneyman's pledge products are not, but it has various types of microloans in the assortment. The company actively cooperates with all the main BKI and allows you to improve Ki.

Basic conditions for loans in Moneyman

the amount of the microloan is up to 80 thousand rubles. (for the first time - up to 15 thousand rubles);
the rate is 0.8-1% per day (the first time you can take a loan without percentage of 15 days);
terms - up to 18 weeks (for the first time - up to 30 days).

Gives Moneyman microloans in full online. Attend an office for signing documents or meet with a courier is not necessary.

Credit with a very bad credit history secured by TCP in Avto

Sometimes it urgently needs to be a major amount and there is no time to look for which banks are issued by loans for negative. Solve the problem of Avtozaym offers a loan secured by TCP. The machine will remain at the borrower, and they almost do not look at Ki. Cargo and passenger cars, motorcycles, special equipment, snowmobiles and even water transport are deposited.

Main conditions of loans from the company Avtozayim

possible amount - up to 90% of market value pledge (max. 300 thousand rubles);
term - up to 60 days with the possibility early repayment and prolongation;
car insurance - not needed;
the rate is individual, up to 103% per annum (0.28% per day).

You can arrange a contract with specialists in the company's office. It takes the entire procedure usually no more than 2 hours. No additional commissions pay.

Microcredit without failure and bad ki in turbozimam

Turbozima - The subsidiary of the MFC fast-moving, which is issued to loans over the Internet. She proposes to take a loan with open delay and almost any ki. In this case, no deposit is needed.

Main conditions of microloans in the TURBZYEM service

the amount is up to 50 thousand rubles;
deadlines - up to 24 weeks;
bet - up to 1%.

You can make a loan in everything online. Money company after concluding a contract translates on a map or online wallet. Short-term loans are repayed at the end of the term with one payment, and microcredits for a period of 1 month are paid to equal payments 1 time in 2 weeks. The first time for new borrowers there are limits, restrictions and they cannot take more than 10 thousand rubles.

Cheerman - This is a robot through which you can take a new loan if there were delay in the past. All microcredits, the company issues without collateral. After the contract is concluded, the funds can be transferred to the card, account, online wallet and other ways.

Basic lending conditions through the robot

the amount of microloan is up to 30 thousand rubles;
loan period - up to 30 days with the possibility of extension;
the rate is 1% per day.

Available additional service - "Improvement KI". It is guaranteed to transfer data to a successfully redeemed loan to all the largest BKI RF, which helps to raise a credit rating.

The robot loyer has a twin service - Robocredit, created by the same company. In the latter, you can get loans already in the amount of up to 100 thousand rubles. with a period of 3-12 months and a rate of 0.3-0.87% per day. All loans in it are also issued online without collateral.

Online credit with a corrupted credit history in One Click Money

ONE Click Money service It offers to get a loan with delay and even completely negative ki. All microcredits are made in it online without collateral. The money after the conclusion of the contract can be credited to the card, online wallet, account and other ways.

Basic microcredit conditions in One Click Money

terms of the loan agreement - 6-60 days;
amount - 500 - 30000 p.;
bet - 1% / day.

Some permanent borrowers sometimes offer microcredits with an increased up to 126 days lasting, by the amount - up to 50 thousand rubles. and reduced percentages (0.76%). Give out such loans is also completely remotely.

What to do if banks do not give a loan with bad ki and open delay

Is it possible to make a loan from bad ki depends on the set of nuances of the situation of a particular borrower. Sometimes a person may be in a situation where all his applications are rejected. In this case, it is also necessary not to despair, but to solve the problem.

If all banks have been denied, a number of actions can be taken:

Ask for help in obtaining a loan in loved ones. In fact, another person simply assumes a loan, and a person with a problem ki uses money and repudits a debt. Unfortunately, not always the relatives agree to make credit contracts. In addition, the loan to another person will help solve the problem with finance, but it does not contribute to the improvement of the human "with a problem."
Correct. To do this, you can take and return the microcredit in the MFI. To correct Ki, you can also try to get credit card Let and with a small limit. They are designed much easier than ordinary loans, and with regular use of the credit card you can increase your credit rating rather quickly. The main thing is to prevent new overdue.
Wait for a while. Sometimes a loan with a damaged credit history immediately cannot be immediately. But over time, when the significance of the overdue will decrease, it will be quite realistic. How much will you have to wait in advance to say difficult. Usually enough 2-3 years. But sometimes after 5 years it is possible to get a refusal due to violations loan contractspreviously admitted.
Raish money from the individuality under receipt. Find offers from private investors on the Internet and local newspapers. Credit conditions in this case can be completely discharged with a potential lender. But there is a huge chance to face fraudsters, which instead of financial assistance will try to take away the latter money.

Bad credit history creates significant problems when trying to take a new loan. The probability of failure is quite high. Most situations can still be found where to get a loan with a bad credit history. The main thing is responsible to approach the choice of a suitable offer.

The best banks issuing loans to customers with a bad credit history offer sufficiently favorable credit conditions. In this case, you can choose options for obtaining funds secured or without it, as well as pick up a convenient loan period. In the extreme situations, you can always contact MFIs, where the failures are practically excluded at any ki and even open delay.