How to take a loan without official employment: a list of banks

Unofficial employment with a decent salary today, no one is surprised. Employers are slow to pay taxes, but they do not want to lose good employees. However, specialists who work informally receive a number of inconveniences. First of all, it is impossible to take a loan in a verified financial institution. However, it is still possible to borrow money. Where can I get a loan without official employment? The list of banks will be presented below.

What should be prepared for?

To get approval for a loan to people who work unofficially is really difficult. Cooperating with such customers will not be market leaders (Sberbank, VTB 24, Gazprombank, etc.). In most cases, in order to borrow money, it is necessary to provide three documents: a passport of a citizen of the Russian Federation, an identification code and a certificate of income. The last document is not always required. Together with this, if a loan is made for a small amount, the customer must specify the number of the work phone in the application. A credit expert can call and clarify whether there is an employee in the staff.

Some financial institutions still take risks. There is an opportunity to obtain a loan without official employment and guarantors. The list of banks offering such a service, although small, but the client has a choice. Those who decided to formalize the transaction, it is worth considering a number of points. First, these are higher interest rates. The financial institution is thus reinsured. Secondly, you need to understand that an impressive amount without a certificate of income to take in the bank will not succeed.

Promsvyazbank

The financial institution has a good rating and is popular with individuals. Here are offered favorable conditions for different categories of the population. You can apply for a loan without official employment. The list of banks offering such a service is launched by Promsvyazbank. For customers with formal employment loans are issued at 16.9 per annum. But those who do not provide a certificate of income, will be offered a deal on less favorable terms - at 26.9% per annum. At the same time, the maximum amount that can be borrowed is 200 thousand rubles. The maximum loan period is 2 years.

How to take out a loan without official employment? The list of banks "Promsvyazbank" begins not by chance. Under loyal conditions, those clients who previously cooperated with financial institutions can serve here, they have issued deposit agreements.

Renaissance Credit

Where else can I issue a loan without official employment? The list of banks is continued by the financial institution Renaissance Credit. Various conditions for individuals are offered here. You can take the amount up to 700 thousand rubles. The minimum rate will be 13.9% per annum. However, such conditions are offered to customers who have provided the full package of documents. In addition, for amounts over 200 thousand rubles, a surety is required.

What are the conditions for those who do not have formal employment? To such clients, the bank "Renaissance Credit" offers to take an amount not more than 200 thousand rubles at 19.9% per annum. The maximum loan period is 45 months. Overpayment under such a contract will be really high. Such a transaction will be beneficial for those who need money here and now. If you pay the debt for a few months, the financial loss will be negligible.

"Credit Bank of Moscow"

This financial institution should pay attention to those who are interested in the question of where to get a loan without official employment. The list of banks the company has replenished not casually. For people who are arranged for work unofficially, an unsolicited loan can be offered without collateral. At the same time, the rate may be small - from 22.5% per annum. Before receiving a loan, the client will have to fill out an application with the bank. Here you will need to specify in addition to passport information work information, several phone numbers (mobile and stationary).

The client can apply for a loan also in real time. The decision on the conclusion of the transaction the financial institution takes for several days, and then notifies the client. Convenience is that the loan can be obtained on a plastic card. If the client makes payments in a timely manner, the financial institution is considering lowering the rate or increasing the limit.

Mast Bank

One of the few financial institutions offers to issue a loan agreement on loyal terms to people who do not have an official place of work. With the advent of the financial crisis, the cost of loans has grown significantly. However, "Mast Bank" continued to issue money under loyal conditions. Today, you can take up to 950 thousand rubles at 26.4% per annum. The maximum loan period is 24 months.

Experts of a financial institution correctly assess the risks and do not give out money to everyone in a row. In order to get the desired amount you need to be as honest as possible with the bank. It is necessary to specify the level of your income, even if not official. Well, if this information can confirm the employer.

"Mast Bank" also offers favorable conditions for deposits. If the client has a deposit in the bank, the chances of obtaining a loan on loyal terms increase. It does not matter how the client is employed.

"Bank of Moscow"

How and where to get a loan without official employment? The list of banks in Moscow will necessarily include this financial institution. Every citizen of Russia has the opportunity to take money in cash on loyal terms. The rate for existing customers is from 13.9%. However, such a benefit should not be counted on by those who applied to the bank for the first time. People who work unofficially can get up to 150 thousand rubles for 36 months at 23.5% per annum. At the same time, the higher the income, the more likely that the financial institution will approve the application for the loan.

Good conditions for the loan can get individual entrepreneurs. In order to receive more than 150 thousand rubles, you will have to provide, in addition to the passport, documents confirming the registration of the company.

You can apply for a loan in real time. To do this, just go to the appropriate section of the official website of the bank and indicate all the necessary data. The decision to grant a loan is taken within a few working days.

OTP Bank

The financial institution has been operating in the lending market for a long time already, an impressive client base has gathered here . Those who do not know in which bank to take a loan without official employment, the list of banks should be studied in advance. The application will have to be submitted to several financial institutions, and one of them will be OTP Bank.

The company offers several loan programs. Here you can buy in installments a car or real estate. However, for such transactions, official employment will still be required. And those who work without registration, you can borrow up to 200 thousand rubles. The rate will depend on the term, as well as the amount borrowed. If the client wants to take less than 75 thousand rubles, the decision of the credit committee will be taken in just 15 minutes. You can apply for a deal in real time on the official website of the financial institution.

Vostochny Bank

Where and how to get a loan without official employment? The list of banks can be replenished and this company. The institution offers consumer loans, as well as plastic cards. The decision to conclude a transaction is made for each client individually. The expert assesses the client's solvency, specifies where and how long he has been employed. At the same time, it does not matter whether the prospective client is working officially or not. The loan amount directly depends on income.

In the bank "Vostochny" you can borrow up to 500 thousand rubles at 15% per annum. The maximum period for which you can make a deal is 36 months. The faster the debt is paid, the less overpayment will be on the loan. The decision on the issuance of funds to the borrower is taken within 15 minutes. A preliminary application for processing a transaction can be submitted in real time.

Who can become a client of the bank? The institution puts forward fairly loyal demands. Any Russian citizen between the ages of 18 and 75 can become a client (the crediting period is taken into account). Regardless of whether the prospective client is officially or not, he should be at least three months old on the last job.

Online Loans

Today, urgent loans are gaining popularity. A lot of credit institutions are ready to give out money to people who work unofficially. At the first registration of the deal, loyal conditions are usually offered. In some cases, you can get money in debt at 0%. In subsequent appeals, you will have to pay more than 30% per month. Overpayment is really impressive.

How can I get a loan without official employment? The list of banks is complemented by various lending organizations, such as "Zaimer", "Mig Credit", "Honest Word", "Turbozaim", "Cabbage", etc. All you need to do to get money on loan is to provide Passport data of a citizen of the Russian Federation, as well as payment requisites for which the requested amount will be transferred. The money is transferred to the borrower's account within 15 minutes.

Summarize

A loan can be profitable if it is issued for a short period of time. It should be borne in mind that any transaction of such a plan assumes an impressive overpayment. Especially large financial costs will be in the event that the client is not officially employed.

There are many organizations that are ready to give out money, but at the same time high risks from the potential borrower are taken into account. So how do you get a loan without official employment? The list of banks in St. Petersburg, Moscow, Yekaterinburg and other cities of Russia is presented above.