Cash loan at Uralsib

Uralsib offers favorable lending terms. You can apply for 100,000 to 3,000,000 RUB for a term from 13 months to 7 years. The bank sets the interest rate individually for each borrower. However, it depends not only on the client's individual characteristics, but also on whether the person takes out life and health insurance:

• with life and health insurance, the minimum interest rate is 3.9% per annum, and the maximum is 16.4%;
• without life and health insurance — 24.4% per annum and 34.9%, respectively.

At Uralsib, as in any other bank, early loan repayment is possible. You can make partial early payments or pay off the entire amount needed to settle the debt. In the second case, you must notify the lender in advance of your intention and clarify how much needs to be paid to close the loan.

In case of a delayed monthly payment, the credit institution charges a penalty. Its amount is 0.05% per day of the overdue debt amount. In addition, the lender transfers information about the delay to the Credit History Bureau. 

Do not forget that even the most minor delay in a monthly payment can negatively affect your credit history and cause loan rejections in the future.

Uralsib does not impose strict requirements on borrowers. The criteria to meet are as follows:

• Russian citizenship;
• permanent residency in the Russian Federation;
• age from 21 to 75 years;
• work experience at the current place of work from 3 months.

The documents required for a consumer loan include a passport of a citizen of the Russian Federation and a second document of your choice:

• driver's license;
• international passport;
• A TAX ID (INN);
• A INSURANCE NUMBER (SNILS);
• income verification certificate.

When applying for a consumer loan exceeding 300,000 RUB, an income verification certificate is mandatory, unless you are a payroll client of Uralsib.

To get a loan, you need to visit a branch of the credit institution. 

Monthly payments can be made in the following ways:

• in your Uralsib Online personal account — credited within up to 3 business days;
• via the Faster Payments System (FPS) — instant crediting;
• at Uralsib ATMs — instant crediting;
• at Uralsib branches — instant crediting.

Short name: PJSC "Bank Uralsib"

Tax status: 0274062111

BIC: 044525787

KPP: 770401001

Correspondent account: 30101810100000000787

PSRN: 1020280000190