Bad credit history. Which bank will give a loan with a bad credit history? List of banks
Today it is almost impossible to find a person who would not make out a loan at least once in his life. However, the situations are different, and not everyone and not always get to fully fulfill their obligations to the bank. Due to late payment of debts, it is very easy to get a “black mark” called a bad credit history. Which bank will give a loan if the borrower has already failed the previous bank with payments? Is there no way out of this situation?
In fact, everything is not as sad as it might seem at first glance. Yes, indeed, most financial institutions have a kind of common base into which all negligent borrowers are entered. After a new client of the bank applies for a loan, first of all an employee of a financial organization checks whether there have been any problems with payments in the past.If such cases have occurred, then most likely the client will be refused a new loan. However, speaking about which bank will give a loan with a bad credit history, you should pay attention to a few useful recommendations for those who want to improve the situation. This is especially true today, when such proposals are constantly found on the Web.
Can I improve my credit history?
This is indeed possible if, after an unsuccessfully taken loan, another financial institution agrees to provide the client with a loan. Such a development is possible, but only if you try to apply to a bank that is not universally popular. However, even under this condition, an employee of a financial organization will definitely clarify the reasons for which the borrower has received such an unpleasant status. In addition, you need to be prepared for the fact that the bank must check the availability of a permanent job, the level of earnings, as well as the presence of movable or immovable property.
Of course, all tempted by the prospect of zeroing the problems that were with previous loans. However, it is worth to think a few times before going on about the scammers.Help in obtaining a loan with a bad credit history cannot consist in the fact that, at the behest of a magic wand, all negative events will simply be erased from the database. This power does not possess any of the organizations offering such services. Therefore, you should not believe in a miracle that for several thousand rubles a private person will be able to help in solving this problem.
First of all, it is necessary to study the list of banks that provide loans with a bad credit history. It is best to give preference to "young" financial organizations. As a rule, such banks are ready to forgive the sins of the past, just to get a new potential customer. However, it should be borne in mind that there will be no 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 get a mortgage or other impressive loan. The fact is that in this case the application will be considered personally by a bank employee, and not by automatic programs that are always used for small loans.Of course, the computer automatically eliminates anyone who has ever had problems with payments. If the client communicates with a bank employee, then he has a much better chance of convincing him that non-payment in the past was associated with serious problems and this will not happen in the future.
You can also try to get a loan with a bad credit history with a guarantor. If a solvent citizen will be responsible for the borrower, the bank will have more guarantees that all the money provided to it will return. However, it will be quite difficult to find someone who agrees to take such responsibility. In this case, you can try to get a loan with a bad credit history with collateral. If the borrower has movable (car, expensive equipment) or real estate (apartments, houses, etc.), then he can indicate it and get money guaranteed.
Another option is to get help from a credit broker. As a rule, such specialists have a good knowledge of 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, he is guaranteed to find a way to get money. However, you need to understand that these services are not free. For good work, it is sometimes necessary to pay up to 50% of the loan amount. In addition, there is a big risk to stumble upon a scammer. Therefore, it is worthwhile to apply only to reliable and proven specialists or independently find out which bank will give a loan with a bad credit history. Fortunately, such organizations exist today.
This bank specializes in issuing cash (in cash or on the card) to individuals for consumer needs. In this case, the client can receive the amount of up to 700 thousand rubles at 20% per annum.
Applications are considered at the time of appeal, so the answer can be received within 5 minutes. This bank is popular because the percentage ratio of refusals to provide cash is minimal. From this we can conclude that the client is more likely to get a loan here, even if he had problems in the past.
In this bank, you can get a loan of up to 500 thousand rubles.The interest rate depends not only on the loan amount, but also on the client's credit history. More reliable citizens can count on 18.9% per annum. The maximum possible rate will be 32.5%. However, in order to get a loan from “Renaissance” bank with a bad credit history, it is enough to submit a full package of documents confirming the availability of work and permanent salary. If the client confirms his solvency, the fact that in the past he has delayed payments becomes not so important for a bank employee.
However, it should be borne in mind that, according to statistics of the loans provided, the average interest rate in this financial institution is 28.5% per annum.
Those who are looking for where to get a loan with a bad credit history should definitely pay attention to this financial institution. In "Citibank" do not hide that even the unreliable borrower can count on a loan. However, this applies only to small loans in the amount of 100 to 450 thousand rubles. In this case, the client does not have to submit a 2-NDFL certificate in order to confirm its solvency.If a person is arranged informally or works in a temporary position, then, as a rule, this is enough. For larger loans will have to submit a full package of documents.
You also need to understand that if the bank makes such concessions, this is not a gesture of goodwill. In this case, the client is waiting for a rather impressive overpayment, since the minimum interest rate for this type of lending is 26%.
Where to get a loan with a bad credit history? You can try to contact this relatively young, but rather large bank. Especially if cash is needed urgently.
Loans are granted on bail, the amount of which is up to 100% of the value of real estate. In this case, you can get a loan of up to 15 million rubles for 15 years at 16 percent per annum. The only drawback of such a loan is the time period for consideration of the application, which is from 4 days. In addition, only those borrowers who live in regions where there are branches of the bank are considered.
This bank offers customers quite favorable terms, especially if the client is willing to provide real estate as collateral.In this case, the percentage of overpayment will be 15% per annum, and the loan amount can reach up to 30 million rubles. However, you can get no more than 60% of the assessed value of the collateral. The loan term in this case is 10 years maximum. Loan applications are reviewed for three days.
Also, this bank offers several programs specifically for those borrowers who have 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 loan on a card with a bad credit history. However, the amount of overpayment will be 40%, so you need to mentally prepare for such a loan.
- Express Plus. This is another option for those who could not pay the previous loan in the bank. In this case, the owner of a bad credit history can count on the amount of up to 60 thousand rubles for a period of 18 months. True, the interest rate is also quite high - 39%.
Banks are not the only organizations where you can get money in installments. In addition, these financial institutions, as a rule, check in detail the payment history of borrowers and are reluctant to provide money to unfavorable customers.
The situation is different in the MFI. As a rule, microloans are provided without any supporting documents (a passport is enough) or pledges. At the same time, MFI employees rarely worry about the availability of a favorable credit history. However, there are downsides. First, the loan amount rarely exceeds 20 thousand rubles, and secondly, the interest "bite".
MFO Credit Plus
In this organization, borrowers can receive up to 15 thousand rubles for a period of 1 month. In this case, funds can be obtained in cash (using the services of "Contact" or "Leader") or on an existing bank card. And there are no serious requirements for borrowers. The only thing you need is to present your passport. Loans are issued to citizens under 75 years of age.
In this organization, you can easily get a micro loan for up to 15 thousand rubles for 30 days. The only condition is that the borrower be a citizen of the Russian Federation, and his age does 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 under 90 years old. For example, in the “Center for Loans” they even offer the services of a courier who is ready to bring all the necessary documents to the house.
However, you need 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.
For plastic, as a rule, does not require a large list of documents. In addition, if a person is already a client of the bank, then he can even issue a card on his own, through a personal account.
Also on the Internet you can find a huge number of organizations working online. They specialize in the design of cards that are sent to customers by mail. In this case, cash can be withdrawn using the ATMs of partner banks.
Tinkoff and others
Credit for a card with a bad credit history is quite possible to get in this online bank. At the same time, a rather impressive loan limit (if compared with an MFI) of up to 300,000 rubles is provided. Applications are reviewed for 1 week, after which they are usually approved, and the client receives the card by mail or courier.
Also pay attention to the "Mail Bank". A loan with a bad credit history can also be obtained here.In this financial institution, you can issue a card in the amount of 5 to 15 thousand rubles without presenting a package of documents confirming solvency. In addition, there is a 60-day grace period for the repayment of debt without interest.
Getting a loan with a bad credit history at 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 treat even unsuccessful borrowers as clients.