Best consumer loans with a low interest rate

The advantage of a loan at Alfa-Bank is the deferred first payment — it occurs 45 days from the date of signing the agreement, rather than a month, as is the case in other banks. Therefore, borrowers have time to prepare for the start of debt repayment.

Sravnim24 editorial team
Imil Tkarev

Contents

TOP 5 best consumer loans with low overpayment

Bank name	Loan amount	Loan term	Interest rate
Alfa-Bank	from 50,000 to 15 million RUB	from 1 year to 10 years	from 13.5% per annum
Gazprombank	from 10,000 to 7 million rubles	from 13 to 60 months	from 4.9% per annum
VTB	from 100,000 to 40 million RUB	from 6 months to 7 years	from 5.9% per annum
Metalinvestbank	from 50 thousand to 3 million RUB	from 13 to 60 months	from 13% per annum
Promsvyazbank	from 100,000 to 5 million RUB	from 1 year to 7 years	from 4.5% per annum

Alfa-Bank

loan amount — from 50,000 to 15 million RUB;
loan term — from 1 year to 10 years;
interest rate — from 13.5% per annum.

Alfa-Bank has the following requirements for its borrowers:

hold citizenship of the Russian Federation;
age from 21 years;
at least one year of work experience at the current place of employment;
a steady income of at least 10,000 RUB after taxes.

For loans of up to 300,000 RUB, you will only need a Russian internal passport and a second document of your choice: a debit or credit card from another bank, a foreign passport, a driver's license, an INN, a SNILS, or a compulsory health insurance policy (OMS). To get approval for 300,000 to 400,000 RUB, you will also need a proof of income statement. To receive more than 400,000 RUB, an additional document of your choice is also required:

a copy of the ownership document for a vehicle;
a copy of a foreign passport with passport control stamps confirming a trip abroad within the last year;
a copy of a voluntary medical insurance policy;
a copy of the employment record book;
a copy of a CASCO voluntary vehicle insurance policy;
a bank statement showing a balance of 150,000 RUB or more.

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Gazprombank

loan amount: from 100,000 to 7 million RUB;
loan term — from 13 to 60 months;
interest rate — from 4.9% per annum.

Gazprombank sets the following requirements for its borrowers:

hold citizenship of the Russian Federation;
having permanent registration within Russia;
age from 20 to 70 years;
work experience at the current job of at least three months.

For loans of up to 500,000 RUB or when logging in via Gosuslugi, only a Russian internal passport is required. To get approval for 500,000 to 2 million RUB, you will also need a document confirming employment. To receive more than 2 million RUB, a proof of income statement is also required.

VTB

loan amount: from 10,000 to 40 million RUB;
loan term — from 6 months to 7 years;
interest rate — from 5.9% per annum.

VTB sets the following requirements for its borrowers:

Russian citizenship;
having permanent or temporary registration within Russia;
age from 23 years old;
at least 1 year of work experience at the current place of employment;
a steady income of at least 10,000 RUB per month.

The minimum document package includes:

passport of a citizen of the Russian Federation;

For loans ranging from 300,000 to 1.5 million RUB, you will need a document confirming income. When applying for a loan of 1.5 million RUB or more, you will need a document confirming employment.

Metalinvestbank

loan amount: from 50,000 to 3 million RUB;
loan term: from 13 months to 5 years;
interest rate: starting from 13% per annum.

Metallinvestbank has the following requirements for its borrowers:

Russian citizenship;
having permanent registration within Russia;
age from 21 to 65 years;
at least three months of work experience at the current place of employment, with total work experience of at least one year.

The minimum document package includes:

passport of a citizen of the Russian Federation;
document confirming income.

Promsvyazbank

loan amount: from 100,000 to 5 million RUB;
loan term — from 1 year to 7 years;
interest rate — from 4.5% per annum.

Promsvyazbank has the following requirements for its borrowers:

Russian citizenship;
permanent registration, actual place of residence, or place of employment in the region where the bank operates;
age from 21 to 65 years;
at least 4 months of work experience at the current place of employment, with total work experience of at least one year.

The minimum document package includes: