Banks with the lowest interest rates on loans
Contents:
• In March 2023, consumer loan rates increased to 23% per annum, and mortgage rates to 19,7%. Therefore, the question of which banks offer the lowest interest rates on a loan worries many consumers.
We will talk about a mortgage loan separately, this article will consider consumer loans for any purpose. Having studied the offers of banks at Banki.ru, Banks of Russia and Sravni.ru, I made top 10 banks with the best interest rates in 2022.
10. MKB, "Time of Opportunities"
- Site:
- Bet: from 16,90%
- On the lybie goals
- Sum: up to 5 million rubles
• The conditions for the “Time of Opportunities” promotion offered by Moscow Credit Bank look attractive:
- You can get a loan without visiting the bank.
- You can connect the option of deferring the first payment up to 2 months.
- The term of consideration is from 1 to 3 days.
• Citizens of the Russian Federation from 18 years old with a stable source of income can get a loan. The employer of the consumer must be located (or be registered) in the territory of the region where the ICD is present.
Of course, there are conditions under which the bank will provide a loan at exactly 16,90% per annum. It is provided "individuals who do not have a valid TC at PJSC CREDIT BANK PJSC as of the date of filing the application, who have fully repaid the previously received loan (loan amount from 100 rubles) and have not allowed overdue debt for the entire time, in case of choosing the conditions for securing funds for account 000 calendar days before the date of repayment of the loan and payment of interest, and conditions for voluntary insurance».
9. ATB, Cash Loan
- Site:
- Bet: from 16,5%
- On the lybie goals
- Sum: from 30 thousand to 1 million rubles
• The loan term is from 13 to 58 months, it is issued to citizens of the Russian Federation not younger than 21 and not older than 65 years. Also, a prerequisite is the availability of work (at least 3 months), with the exception of working and non-working pensioners.
• Loan security is not provided, however, a favorable interest rate is valid only when applying for the "Personal insurance" service. Without it, it increases by 10 p.p.
8. Bank "Opening", "Universal Credit"
- Site:
- Bet: from 15,9%
- On the lybie goals
- Sum: from 50 thousand to 3 million rubles
• The minimum loan term is 24 months, the maximum is 60 months. At the same time, the favorable interest rate is valid taking into account insurance. The bank does not require collateral.
• Take "Universal" as working citizens of the Russian Federation from 21 to 68 years old inclusive, so pensioners – up to 75 years old inclusive. The length of service at the last place of work must be 3 months or more, the total length of service must be at least a year. The minimum amount of wages issued "on hand" – from 15.
7. LokoBank, "Loan secured by a car"
- Site:
- Bet: from 15,9%
- On the lybie goals
- Sum: up to 15 million rubles
• This loan can be taken for up to 7 years, but collateral is required – the borrower's car. PTS remains with the bank.
• LocoBank issues a “Loan secured by a car” to Russian citizens over the age of 21 who have a job (at least 12 months of experience, in one place – from 4 months). Permanent income is not limited.
6. Alfa Bank, "Cash"
- Site:
- Bet: from 15,9%
- On the lybie goals
- Sum: up to 7,5 million rubles
• A loan with one of the most favorable interest rates is issued for a period of 1 to 5 years. It can be obtained by a citizen or citizen of the Russian Federation over the age of 21, who has a continuous work experience of 1 month and a salary of 10 thousand rubles after deducting all taxes. Security is not required.
• Along with the loan, a debit card is issued, with which you can make purchases online and offline, and top up free of charge from cards of other banks.
5. Tinkoff, "Cash"
- Site:
- Bet: from 14,9%
- On the lybie goals
- Sum: 50 000 ₽ – 2 000 000 ₽
• One of the most favorable interest rates is offered by Tinkoff, however, there is a nuance here – the rate is calculated individually for each client.
• You can get "Cash" without going to the office, a bank representative will bring a Tinkoff black debit card with money directly to your home. The loan is issued to citizens of the Russian Federation from 18 years old, with a constant income (from any amount).
4. Gazprombank, “Bailed by an existing car”
- Site:
- Bet: from 12,9%
- For any goals
- Sum: up to 5 million rubles
• This loan is issued for a period of 13 to 84 months, only to citizens of the Russian Federation from 18 years old and with a steady income, work experience at the last place of work for 3 months and a total work experience of 12 months.
• The interest rate varies from 12,9% to 19,9%. This loan is secured by the borrower's car. You can apply for a loan online, on the Gazprombank website, the approval period is up to 5 days.
3. Sovcombank, Loan secured by real estate
- Site:
- Bet: from 9,9%
- For any goals
- Sum: from 200 thousand to 30 million rubles
• Loans with a low interest rate are usually given under solid security. So Sovcombank issues a loan secured by real estate, which can be an apartment, a room in a communal apartment, an apartment, a house with a land plot or non-residential premises with a separate entrance, located on the first / basement floors of a residential apartment building.
• The minimum loan term is 3 years, the maximum is 15 years. It is issued to citizens of the Russian Federation from 20 to 85 years old (in the latter case, this is the age at the time the loan expires). You need to have a stable income for at least the last 4 months.
2. Expobank, Loan secured by real estate, Easy loan
- Site:
- Bet: from 7,9%
- For any goals
- Sum: from 300 thousand to 30 million rubles
• On the one hand, this is one of the most profitable consumer loans in terms of interest rates. On the other hand, the provision is very serious – real estate. This role can be played not only by an apartment, but also by a residential building with a land plot, commercially liquid premises or a separate building/structure with a land plot.
• The borrower is required to comply with several conditions:
- Age from 21 year.
- Age up to 70 years at the time of repayment of the loan.
- Availability of work – from 12 months of continuous experience.
- Experience at the last place of work from 3 months.
- Break from work no more than 2 months in the last 12 months.
• The loan rate is individually calculated for each borrower. And the loan amount is not more than 65% of the price of real estate transferred as collateral.
• The bank also has an "Easy loan", in which no collateral is required, and the rate starts from 7,9% per annum. But the amounts are much lower – from 50 thousand to 1 million rubles. If you take up to 300 thousand rubles, then the bank does not require documents confirming income.
1. Soyuz Bank, Consumer Credit
- Site:
- Bet: from 4,5%
- For any goals
- Sum: from 50 thousand to 3 million rubles
• Borrowers can get such a favorable interest rate under 3 conditions:
- Issue the option of additional rate reduction by 3,5%.
- Arrange insurance.
- Repay without early payments and delays.
• Otherwise, the rate will be 16%.
• "Consumer credit" is issued for a period of 1 to 7 years, it can be obtained by citizens of the Russian Federation with a total work experience of 1 year and an age of 21 to 66 years (at the time of loan repayment).
