ATB cash loan

At ATB, you can get a consumer cash loan ranging from 30,000 to 5 million RUB for a term of 13 to 84 months. The minimum possible interest rate on the loan, subject to life and health insurance, is 13.9% per annum.

If you decline life and health insurance, the rate will increase by 8 percentage points. The maximum overpayment is 29.5% per annum.

Borrowers who meet the following requirements can apply for a consumer loan at ATB:

• are citizens of the Russian Federation;
• have a place of residence in the region where the bank operates or a good credit history;
• under the age of 70;
• have a work experience at their current job of at least 3 months for individuals, and at least 6 months for self-employed individuals and sole proprietors.

To apply for a loan at ATB, you only need to provide a Russian internal passport. However, the bank may additionally request documents confirming your income.

Pros:

• large loan amount — up to 5 million RUB;
• long loan term — up to 84 months;
• can be applied for with just one document;
• option to apply online.

Cons:

• high maximum interest rate — 29.5% per annum;
• life and health insurance is required to obtain the minimum interest rate;
• the bank may request income-verification documents.