Archive

0% loan at Sinara Bank

12345 3,00
Loading...
577
18
 Maximum amount
Max amount
3 000 000 ₽
 interest rate
Rate, %
From 5.7 %
Age from
Age
From 23 years
Minimum loan amount
Minimum amount
51 000 ₽
Loan term
Loan term
up to 5 years
Decision
Decision
From 2 min
0% loan at Sinara Bank
Apply now
Updated: 29.10.2026

About the loan

В Синара Банке вы можете получить потребительский кредит наличными на выгодных условиях — на большую сумму и под низкий процент. Потратить деньги вы сможете на любые цели. Например, на оплату отпуска, обучения или лечения.

Terms

В Синара Банке вы можете получить потребительский кредит на сумму от 51 тысячи до 3 миллионов рублей на срок от 1 года до 5 лет. Минимально возможная процентная ставка по займу при условии подключения сервисного пакета “Управляй легко” составляет 5,7% годовых. Стоимость дополнительной услуги составляет до 8% от суммы кредита в год. Помимо снижения процентной ставки, сервисный пакет позволяет изменить дату платежа и пропустить платеж без начисления штрафов.

Также вы можете вернуть уплаченные по потребительскому кредиту проценты. Для этого вам нужно:

  • оформить кредит на срок от 4 лет с сервисным пакетом “Управляй легко” и “Пакетом услуг”;
  • fully use the credit limit;
  • make loan payments on time and avoid using credit holidays;
  • make at least five purchases totaling 10,000 RUB using the Universal card.

Borrowers who meet the following requirements can apply for a consumer loan from Sinara Bank:

  • are citizens of the Russian Federation;
  • have registration and reside in the region where the bank operates;
  • aged between 23 and 80 years old;
  • have a work experience of at least 3 months at their current place of employment.

To apply for a loan at Sinara Bank, you will need to provide a Russian passport and income verification documents.

Pros:

  • large loan amount — up to 3 million RUB;
  • long loan term — up to 5 years;
  • low minimum interest rate starting at 5.7% per annum;
  • option to get a refund on the interest paid on the loan;
  • option to reschedule a payment date and skip a payment with the "Manage Easily" service package;
  • option to apply online.

Cons:

  • to qualify for the minimum interest rate, you must subscribe to the "Manage Easily" service package;
  • income verification documents are required.

How to apply

You can apply for a loan at a Sinara Bank branch or online via the credit institution's official website. For the first option, you need to visit a bank office with the required documents (we cover these below). To apply online, you need to:

  • go to the Sinara Bank website;
  • click the "Get Loan" button;
  • specify the desired loan amount and term, log in via Gosuslugi or click "Continue without Gosuslugi", enter your full name, date of birth, servicing city, mobile phone number, and email address, and check the box;
  • click the “Next” button;
  • enter the confirmation code from the SMS message;
  • specify the loan purpose, monthly income, passport details, registration address, and actual residential address;
  • click the “Next” button;
  • provide information about your education, employment, debt load, and vehicle ownership;
  • click the “Next” button;
  • specify your marital status;
  • click the “Next” button;
  • provide contact phone numbers;
  • click the "Get Loan" button.

Rates

Amount
From 51,000 to 3,000,000 RUB
Term
From 1 year to 5 years
Interest rate
From 5.7% to 34.9% per annum
Penalty for missed payment
20% per annum on the overdue debt amount
Loan purpose
Non-targeted
Application
Online or at a bank branch
Disbursement
Cash
Repayment
By transfer from any bank card;
at Sinara Bank ATMs;
at Sinara Bank cash desks
Borrower's age
From 23 to 80 years old
Income verification
Required
Guarantor
Not required
Collateral
Not required
Credit history
Positive

Calculator

Credit card calculator
Credit limit
Term / month
Rate
Loan amount
8 000 000 ₽
Overpayment
1 000 000 ₽
Total payment amount
9 000 000 ₽
Loan maturity
15.05.2022
Monthly payments
500 000 ₽

Other offers

Customer reviews

Leave a review
Анна К.
Анна К.
Guest
Bank Sinara
Пользуюсь «Кредит 0% в Синара Банке» недавно, пока все устраивает. Деньги пришли быстро, поддержка отвечает. Из минусов — не сразу нашлась информация о досрочном закрытии. В целом рекомендую как один из вариантов, но договор читайте полностью.
MysticMirage
MysticMirage
Guest
Bank Sinara
I took out a loan to buy a new car. Honestly, I didn't expect such speed and quality of service. The paperwork was done in less than an hour, without unnecessary questions. I chose a 2-year loan term, clear payments, with no hidden fees.
Leila
Leila
Guest
Bank Sinara
I took out a loan with Sinara Bank recently, and the 0% rate really reeled me in. It was approved quickly, without any certificates or fuss. There is a limit on the amount though — they won't give you more than 300 thousand, but it was enough for me. The terms are fine, and the repayment schedule is convenient. Overall, I am satisfied.
* - Required field

Best loans

All
5
0
T-Bank Refinancing
  • Max. amount
    5 000 000 ₽
  • Min. amount
    50 000 ₽
  • Rate, %
    18.9%
  • Loan term
    up to 5 years
4.5
20
Alfa-Bank Loan
  • Max. amount
    15 000 000 ₽
  • Min. amount
    50 000 ₽
  • Rate, %
    13,5%
  • Loan term
    up to 10 years
4.5
5
Sovcombank Loan
  • Max. amount
    30 000 000 ₽
  • Min. amount
    30 000 ₽
  • Rate, %
    14.9%
  • Loan term
    up to 15 years
4.33
21
Renaissance Bank
  • Max. amount
    2 000 000 ₽
  • Min. amount
    30 000 ₽
  • Rate, %
    3,9%
  • Loan term
    up to 7 years
best offers gift

Мобильный доступ

Sravnim24 доступен как веб-приложение (PWA): откройте сайт на смартфоне — предложения, сравнение, личный кабинет с бонусами и уведомления. В будущем — приложения для iOS и Android.

Sravnim24 как приложение Установите на телефон и получайте уведомления о новых предложениях и бонусах.