Where do they give loans without certificates? Passport loans

Our website contains a list of banks that are ready to offer only by passport. There is no need to waste time getting a certificate of income from work, finding your military ID or other documents.

You can get acquainted with loan offers and choose among them the ones that suit the conditions and terms directly from your home or office. To get it, you need to use an online application - in this case, the request automatically goes to all banks in the city where you live.

List of banks

We suggest applying for a loan only in reliable and trusted banks, such as "", Alfa-Bank, "Tinkoff", "", "", etc. The list on the site is quite extensive, but you can study it in a matter of minutes.

We also cooperate with microfinance organizations that issue microloans for a short period and at a low interest rate. Among the most popular are "", "", "", "", etc. All of them issue loans only with a passport.

The positive aspects of such lending are obvious:

• speed and ease of registration. As a rule, the decision on extradition is made in a matter of minutes;
• minimum documents;
• saving time;
• high percentage of application approval. Credit history, as a rule, does not play a big role here. Even those who have arrears on previously issued loans can get a loan.

Many banks not only issue cash loans, but also offer a credit card that is delivered directly to your home. Thanks to the interest-free (grace) period, in practice a credit card can be more profitable than a loan. With it you can safely store your money and pay in online stores and shopping centers without any problems.

Are you tired of the constant lack of money and debt on bills? The right way out is to quickly apply for a cash loan using your passport at the bank and forget about your problems. An attentive reader will tell you that the loan will also have to be repaid! You will have to repay, but the financial institutions whose services Creditznatok offers you to use provide such a large deferred payment that you will have time to get back on your feet. In addition, you can now get cash with just a single document - a passport of a citizen of the Russian Federation - and an online application via the Internet or telephone.

Take a cash loan using a passport in Moscow: what you need to know

Before applying to a bank for a loan, we advise you to find out more about possible offers. In most cases they are similar, but we will tell you what is especially important to pay attention to:

• Percent. It goes without saying that you will have to pay some interest for using borrowed money. Be careful and demand a clear answer from the specialist about the payment of your loan. Banks often evade a direct answer and try to hide the scheme for writing off interest for one simple reason - there are hidden payments.
• Sum. To get an urgent loan using a passport without certificates with a large limit, you need to contact the branch where you had a deposit or other debit account. Thus, creditors’ confidence in you will initially be at a higher level, and the borrowed amount will increase significantly.
• Documentation. As we said, for registration you will only need an ID of a citizen of the Russian Federation, a copy of which you will give to the lender along with the application form. If you fill out a loan application online, you can send the document in scanned form.
• Return scheme. The last condition on the list (but not least!) determines the method and timing of repayment of the borrowed money. Today there are a lot of schemes, all that remains is to choose the one that suits both parties.

What to do to get a cash loan urgently?

Quick processing of a consumer loan using a passport is not a myth, but a reality that every website visitor can take advantage of. Our managers are waiting for calls and questions online. Spend your time on the right things, and let us solve your financial difficulties!

Our service offers to quickly apply for a loan without a 2 personal income tax certificate in Moscow, which greatly simplifies the lending procedure and will help you resolve the issue of where to get a loan without certificates. A loan without certificates in Moscow can be obtained from the bank of your choice; all Moscow banks are posted on this service.

How to choose a loan without income certificates from Moscow banks

The loan calculator service allows you to choose the most profitable loan without proof of income in Moscow or without guarantors. Enter the required loan amount and the period for which you want to apply for it in the search form. By default, a filter is already installed - without income certificates, which allows only products that do not require a certificate to obtain.

The table will present options for affordable lending in Moscow. Each bank offers different conditions for obtaining a loan and different interest rates for loans without certificates. To clarify all the details of the application, click on the name of the loan. You will be taken to the product card. Then, click on the “calculate” button. The loan calculator will calculate the amount of monthly payments for the entire loan term in the selected bank in Moscow.

Options for receiving money on loans without proof of income

Depending on the conditions of the Moscow bank you choose, you can receive money in the following ways:

• cash at the bank cash desk
• by issuing a credit card;
• by transfer to your account.

Types of possible lending without income certificate in Moscow

A loan without proof of income in Moscow can be of the following types:

• car loan;
• loan for education or courses;
• travel credit.

How to get a loan without certificates

The procedure for obtaining a loan in Moscow is simple and accessible. You need to follow the application link to the application page of the bank in Moscow. Then carefully fill out all fields of the online loan application. The bank manager will call you back and make an appointment to apply for a loan.

All the banks where it is easiest to get a cash loan are collected in one rating. These companies require a minimum amount of documents from their clients. If you submit an application to one of them, you will be able to get a loan using your passport, without proof of income, collateral or guarantors.

Banks that provide loans only with a passport

Banks issuing loans based on two documents:

Passport + identification document of your choice (driver’s license, international passport, education diploma, pension certificate, etc.)

Some banks issue a loan without income certificates only on the condition that the client has provided two, rather than one, documents for identification: a passport (required) and another identity card of your choice. This may be the borrower’s foreign passport, driver’s license, pension certificate, higher education diploma, etc.

Banks where you can get a credit card using your passport

Even easier and faster than a consumer loan, you can apply for a credit card in one of the popular Russian banks. Credit cards with a passport are not issued everywhere, and the terms of service may differ in different companies, so for convenience, we have collected the top best credit cards, which can be obtained, again, with one document and on fairly favorable terms, but urgently and without refusal.

Credit cards by passport

Which bank is better to take out a cash loan using a passport?

You will find all banks that provide loans using a passport in our rating. Only these companies really provide the opportunity to apply for a loan using one document without proof of income, without guarantors or collateral. In other institutions, the chances of getting a loan without certificates are extremely small. Where exactly it is better to go is up to you. The main thing is to carefully study the lending conditions and submit an online loan application to the bank that offers the most favorable tariff or which has the most loyal requirements for borrowers.

Otkritie Bank - loan only with passport

If you want to get a loan using your passport, and your monthly salary is at least 15,000 rubles, then you should submit an application to Otkritie Bank. Documents confirming your income level are not needed here. True, sometimes the bank can request them on an individual basis: it does not have to be a certificate of income - it can be a foreign passport, salary account statement, PTS or STS.

Lending terms:

• Loan rate per year - from 9.9% to 24.3%.
• The decision is within 2 days.

Any citizen of the Russian Federation aged 21 to 75 who is officially employed and registered in the region where the bank operates can take out a loan using a passport.

Online application for a loan at Otkritie Bank:

OTP Bank - online loan using a passport with restrictions on the amount

At OTP Bank you can get a loan without certificates, but only if you issue an amount equal to 300,000 rubles or less. Otherwise, a certificate of income will be required. If you are satisfied with this amount, then you can easily get by with one document - your passport.

Lending terms:

• Loan amount - from 15,000 to 300,000 rubles ( up to 4,000,000 rub. with income certificate).
• Loan rate per year - from 14.9% to 38.4% (from 11.5% to 20.09% after confirmation of income).
• The solution is from 15 minutes.

Any Russian citizen from 21 to 69 years old who has officially worked at his last job for at least 3 months and receives a stable income can take out a loan using a passport. If you have additional documents, an individual entrepreneur over 25 years old can also apply for a loan from OTP Bank.

Online application for a loan at OTP Bank:

Renaissance Credit Bank - loan based on one or two documents

At Renaissance Bank you can get a consumer loan using a passport, but some categories of clients will have to provide other documents. - a second identification document (for example, a pension certificate), and for those who need it - a certificate of income from the place of work and a copy of the work book.

Lending terms:

• Loan amount - from 30,000 to 700,000 rubles.
• Loan rate per year - from 9.5% to 24.5%.
• The loan period is from 2 to 5 years (24–60 months).
• The solution is in 5–15 minutes.

All residents of the Russian Federation with registration in the region where the bank operates, aged from 24 to 70 years, with work experience of more than 3 months and a monthly income of 8,000 rubles can count on loan approval. (for residents of MSK - from 12,000 rubles).

Online loan application at Renaissance Bank:

Tinkoff Bank - loans using your passport with home delivery

At Tinkoff Bank you can get a loan online using your passport, regardless of how much you borrow and under what loan program. The approved amount of money is credited to a personal debit card, which the bank courier will deliver to the client’s home and issue after signing the agreement.

Lending terms:

• Loan amount - from 50,000 to 2,000,000 rubles.
• Loan rate per year - from 12% to 24.9%.
• The loan period ranges from 3 months to 3 years.
• The solution is in 5 minutes.

The bank issues, but mainly to those who are officially employed and receive a stable income. A mandatory requirement is also permanent registration in Russia.

Online application for a loan at Tinkoff Bank:

Which bank is better to apply for a loan using a passport and a second document?

If a bank does not give a loan based on a passport, this does not mean that in order to receive a certain amount of debt you must have a certificate of income with you. You may well limit yourself to two identification documents: just take with you, in addition to your civil passport, another identification document. The second such document can be (optional):

• international passport;
• driver's license;
• pensioner's ID;
• Diploma of Higher Education;
• SNILS and/or TIN;
• military ID, etc.

You will also find all the banks that provide loans using a passport and another document without certificates in our rating.

Sovcombank - loan using a passport and another identification document

Sovcombank has many different tariffs that provide for issuing a loan using a passport and a second identification document. In this bank you can get the required amount on truly favorable terms and with virtually no refusal.

Lending terms:

• The loan amount is from 5,000 to 400,000 rubles.
• Loan rate per year - from 8.9% to 13.9%.
• The loan period ranges from 5 months to 5 years.
• The solution is within a day.

Cash loans are issued to citizens of the Russian Federation who have permanent registration, a stable income (from 30,000 rubles per month) and a work experience of at least 4 months. All persons between 20 and 85 years of age who meet these requirements are eligible for approval.

Online application for a loan at Sovcombank:

Alfa Bank - loan based on two documents without proof of income

Alfa Bank does not issue loans using a passport, but if you provide two identification documents, there is a chance to borrow money on favorable terms. A certificate of income is requested extremely rarely: as a rule, in cases where the borrower has a short work history.

Lending terms:

• Loan amount - from 50,000 to 5,000,000 rubles.
• Loan rate per year - from 9.9% to 23.49%.
• The loan period is from 1 to 5 years (12–60 months).
• The solution is from 2 minutes.

Those citizens of the Russian Federation who have permanent registration in Russia, are officially employed and receive an income of 10,000 rubles can receive a cash loan from Alfa Bank. monthly. The borrower must be at least 21 years old, have at least a minimum work experience and a normal credit history. , as well as to persons registered as individual entrepreneurs, is not issued.

Online loan application at Alfa Bank:

Vostochny Bank - cash loan using passport and SNILS

The Eastern Bank has programs that provide for issuing a loan using a passport, however, a high probability of approval of an online application awaits those who provide two identification documents - a civil passport and SNILS.

Lending terms:

• The loan amount is from 25,000 to 3,000,000 rubles.
• Loan rate per year - from 9.9% to 24.9%.
• The loan period is from 1 to 5 years (13–60 months).
• The solution is within a day.

An application for a cash loan will be approved by persons with permanent residence in Russia in the region where the bank operates, aged from 21 to 76 years and with a work experience of at least 3 months. For borrowers under 26 years of age, additional requirements apply: work experience of at least 12 months and documentary proof of income.

Online application for a loan at Vostochny Bank:

Which credit card is better to get?

Many banks issue credit cards using a passport, but the best offers from Russia are presented in our top. These are the most profitable cards, which are also the easiest to obtain.

Alfa Bank 100 days without interest - the best credit card for your passport

Among Russian credit cards, this is considered one of the most popular, since it is extremely easy to obtain, and the conditions combine all the advantages of other competitors. To apply for a 100 days without % card, you only need a passport.

Terms of use of the card:

• The interest rate for using credit funds is from 11.99% to 39.99% per annum.
• The duration of the grace period when the rate is 0% is up to 100 calendar days.
• The cost of card servicing is from 590 rubles (paid annually).
• The solution is within 15 minutes or more.

A credit card is issued with a passport from the age of 18, but the borrower must have a regular income of at least 5,000 rubles per month (for MSK - from 9,000 rubles), and work experience of more than 3 months at the last job. There is no need to confirm this data with documents, but if you have a certificate of income and/or a copy of your work record book, you can increase your personal credit limit or reduce the interest rate on an individual basis.

Online application for a credit card at Alfa Bank:

Tinkoff Platinum - credit card with passport without refusal

The most popular credit card at Tinkoff Bank is Tinkoff Platinum. This is due to the fact that it is extremely easy to obtain. You need to submit an application through the website and wait for the courier to arrive, who will bring documents for signing and the card itself. Show your passport and receive a credit card in your hand.

Terms of use of the card:

• Credit limit - from 50,000 to 300,000 rubles.
• The interest rate for the use of credit funds is from 12% to 29.9% per annum.
• The cost of issuing a card is 0 rubles.
• The cost of card servicing is 590 rubles (paid annually).
• The solution is immediate.

A credit card is issued to all citizens of the Russian Federation from 18 to 70 years old, but only on the condition that the borrower has an official (or unofficial) source of permanent income.

Online application for a credit card at Tinkoff Bank:

Opening an Opencard - a credit card using a passport and a second document

At Otkritie Bank you can apply for a credit card with your passport and another document (foreign passport, STS or PTS). Confirmation of income with a certificate from your place of employment is not required.

Terms of use of the card:

• Credit limit - from 50,000 to 500,000 rubles.
• The interest rate for the use of credit funds is from 19.9% ​​to 29.9% per annum.
• The duration of the grace period when the rate is 0% is up to 55 calendar days.
• The cost of issuing a card is 0–500 rubles (paid one-time).
• The cost of card servicing is 0 rubles.
• The solution is from 2 to 5 days.

Only officially employed persons aged 21 to 68 years, whose income is at least 15,000 rubles, can receive a credit card. per month.

Online application for a credit card at Otkritie Bank:

Despite the large selection of credit institutions, in reality it is difficult to find a bank where you can take out a loan using a passport or even without additional certificates.

Where else can you get a passport loan on the day of application?

If for some reason a bank loan is not suitable for you: you are denied, you do not have enough documents, your age is not suitable, you have a bad credit history, or you just urgently need a loan for a small amount, then in this case you should contact microfinance companies that issue microloans .

In an MFO (microfinance organization), loans are issued online, without visiting an office, being tied to a specific city, and only with a passport, without a certificate of income, length of service, guarantee or other difficulties with documents.

3 companies that issue passport loans online

2 companies that provide loans using your passport and SNILS online

But you need to understand that microloans charge high interest rates for using a loan and are suitable only in case of urgent need for money; in any other case, you should consider only those banks (from the list above) that issue cash loans using a passport, and, most importantly, under low percentage.

A passport loan is available to adult borrowers with a good credit history and a stable level of earnings. To count on receiving a loan only with a passport without certificates and guarantors with a low interest rate, try to apply for a loan at the financial institution through which payroll is processed.

Requirements for the borrower

To receive a loan without a passport income certificate, the borrower must meet the following requirements:

• Availability of Russian citizenship;
• Be registered in the region where the bank operates;
• Have a positive credit history.
• The length of service at the last job was at least 6 months, and the total length of service was at least one year;
• Have a stable income sufficient to fulfill loan obligations.

One of the advantages of obtaining a loan using a passport is the fact that you can submit an application online and find out the bank’s preliminary decision within a few minutes after filling out the application form on the credit institution’s website. For this:

If you are already a client of the bank, you do not even have to visit its office - the borrowed money can be transferred to your debit card or delivered by courier at any time convenient for you.

How is the loan repaid?

A passport loan without income certificates is repaid with monthly annuity payments by replenishing the borrower’s credit account. Account replenishment methods:

• In cash through ATMs or cash desks of a credit institution;
• By bank transfer from the accounts of another bank;
• By transfer from your debit account at the creditor bank;
• Automatic debiting of funds from wages;
• In terminals, communication shops, in Russian post offices using the loan agreement number.

In what cases should you not take out a loan using only your passport?

• If you can verify your income. Having a certificate of income will significantly reduce the interest rate on the loan and will allow you to obtain a loan on more favorable terms.
• If you need a loan for a large amount. In this case, the bank, firstly, may refuse the borrower a loan, and, secondly, even if the application is approved, it will offer a loan with a higher interest rate. To obtain a large loan from a bank, it is recommended to apply for a loan with a guarantee or collateral.