Без отказа с плохой кредитной историей — условия 2026

Updated: 30.10.2026
Amount, RUB
Term, days
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Apply filters
21 options
Amount: 30 000 ₽
Credit history: Any
Rate, %: From 0.8 %
Age: From 18 years
Term: up to 21 days
Decision: Instantly
Platiza
5
1384
25
Amount: 30 000 ₽
Credit history: Any
Rate, %: From 0 %
Age: From 18 years
Term: up to 30 days
Decision: From 5 min
Credit7
2.5
511
15
Amount: 100 000 ₽
Credit history: Any
Rate, %: From 0.8 %
Age: From 18 years
Term: up to 180 days
Decision: From 1 min
Tselevye Finansy
3.5
572
15
Amount: 100 000 ₽
Credit history: Any
Rate, %: From 0 %
Age: From 18 years
Term: up to 180 days
Decision: From 2 min
Vash Kredit
3.5
608
13
Amount: 30 000 ₽
Credit history: Any
Rate, %: From 0 %
Age: From 18 years
Term: up to 30 days
Decision: From 5 min
A Dengi
4
484
20
Amount: 30 000 ₽
Credit history: Any
Rate, %: From 0 %
Age: From 18 years
Term: up to 29 days
Decision: From 2 min
Nado Deneg
3
1050
17
Amount: 30 000 ₽
Credit history: Any
Rate, %: From 0.8 %
Age: From 18 years
Term: up to 30 days
Decision: From 15 min
Fin5
4.33
792
20
Amount: 100 000 ₽
Credit history: Any
Rate, %: From 0 %
Age: From 19 years
Term: up to 365 days
Decision: From 1 min
DobroZaim
4.33
776
15
Amount: 500 000 ₽
Credit history: Any
Rate, %: From 0.23 %
Age: From 18 years
Term: up to 1,800 days
Decision: From 15 min
Tsentrofinans
3.5
435
12
Amount: 100 000 ₽
Credit history: Any
Rate, %: From 0 %
Age: From 18 years
Term: up to 126 days
Decision: From 1 min
Zaim-Express
3.5
350
13

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Carmoney Car-secured loan
1
30.09.26 / 19:00

Оформляю такой продукт не первый раз, поэтому главное было — ставка и сроки. «Carmoney Под залог авто» оказался предсказуемым: без скрытых комиссий, заявка без лишней беготни. Максимальный лимит дали меньше, чем показывал калькулятор. Если считать бюджет заранее, вариант нормальный.

Ekozaim
1
24.09.26 / 13:00

Пользуюсь «Экозайм» пару месяцев, замечаний нет. Заявку приняли онлайн, решение пришло быстро, карту получил удобным способом. Из нюансов — техподдержка отвечает не сразу. Как займ на повседневные задачи подходит.

Borrow money
1
23.09.26 / 16:00

Оставляю отзыв по «Деньги в долг». Заявку одобрили быстро, сумма пришла на карту в тот же день. Из неприятного — пришлось отдельно отключать страховку и доп. услуги. Если посчитать все заранее, вариант адекватный, но не самый дешевый.

Best offers

All
5
20
  • Microloan amount
    200,000 RUB
  • Microloan term
    up to 730 days
  • Rate, %
    from 0 %
  • Credit history
    Any
5
19
  • Microloan amount
    30,000 RUB
  • Microloan term
    up to 30 days
  • Rate, %
    from 0 %
  • Credit history
    Any
5
28
  • Microloan amount
    50,000 RUB
  • Microloan term
    up to 180 days
  • Rate, %
    from 0 %
  • Credit history
    Any
5
21
  • Microloan amount
    100,000 RUB
  • Microloan term
    up to 365 days
  • Rate, %
    from 0 %
  • Credit history
    Any

If a person urgently needs money but has a bad credit history and gets rejected by all banks, they can turn to microfinance organizations. Such companies issue loans with almost no rejections, even to people with a bad credit history.

Features of microloans with no rejection and a bad credit history

Features of microloans with virtually no rejection for people with a bad credit history include:

  1. High interest rate — for borrowers with a bad credit history, the overpayment on a microloan will likely be at its maximum.
  2. Small loan amount. Initially, a borrower with a bad credit history will be approved for a small amount, ranging from 1,000 to 10,000 RUB. They can get a larger microloan later by actively using the microfinance organization's services.
  3. Short loan term. The possible loan term will also be short, approximately 1 to 14 days. The microloan term can likewise be extended by actively using the company's services.
  4. Requirement for collateral — if a borrower with a bad credit history needs a large amount, they will likely need to pledge a car as collateral.

Which microfinance organizations to contact for a loan with almost no rejection, even with a bad credit history

You can apply for a microloan with no rejection and a bad credit history at many microfinance organizations. However, the most favorable terms are offered by the following companies:

Sravnim24 recommends!
Offer
Amount
Credit
history
Rate, %
Term
Rating
30 000 ₽
Any
From 0.8 %
up to 21 days
5
30 000 ₽
Any
From 0 %
up to 21 days
4.67
30 000 ₽
Any
From 0 %
up to 29 days
4.5
30 000 ₽
Any
From 0 %
up to 30 days
4.4
30 000 ₽
Any
From 0.8 %
up to 30 days
4.33
100 000 ₽
Any
From 0 %
up to 365 days
4.33
100 000 ₽
Any
From 0 %
up to 180 days
4
30 000 ₽
Any
From 0 %
up to 30 days
4
100 000 ₽
Any
From 0 %
up to 365 days
3.78
100 000 ₽
Any
From 0 %
up to 126 days
3.67
30 000 ₽
Any
From 0.8 %
up to 30 days
3.5
100 000 ₽
Any
From 0 %
up to 126 days
3.5
500 000 ₽
Any
From 0.23 %
up to 1,800 days
3.5
100 000 ₽
Any
From 0 %
up to 180 days
3.5
100 000 ₽
Any
From 0.8 %
up to 180 days
3.5
1 000 000 ₽
Any
From 0.8 %
up to 1,460 days
3.5
30 000 ₽
Any
From 0 %
up to 29 days
3
100 000 ₽
Any
From 0 %
up to 365 days
2.5
100 000 ₽
Any
From 0.8 %
up to 365 days
2.5
30 000 ₽
Any
From 0 %
up to 30 days
2.5

Who can get a microloan with almost no rejection and a bad credit history

Almost any borrower aged 18 or older with permanent or temporary registration and a place of residence within the Russian Federation can get a microloan with no rejection and a bad credit history. Citizens with a bad or zero credit history, unofficial or irregular income, as well as the unemployed, can become clients of microfinance organizations.

How to apply for a microloan with no rejection, even with a bad credit history

Applying for a microloan with a bad credit history is simple — you just need to:

  • choose a microfinance organization that offers the most favorable lending terms;
  • go to the website of this microfinance organization and specify the desired loan amount and term;
  • fill out a short application form with personal information, including full name, passport details, registration address, and actual place of residence;
  • if the loan application is approved, provide photos of your passport and bank details for transferring the loan.
Sravnim24 recommends!
Zaimer
100 000 ₽
Amount
Any
Credit history
0 %
Rate, %
18
Age
365
Term
From 2 min
Decision
Zaimer loan

Pros and cons of a loan with no rejection and a bad credit history

Advantages of a microloan with no rejection and a bad credit history include:

  • the opportunity to get a loan amount with interest even with a bad credit history;
  • quick application review and almost instant fund crediting;
  • flexible loan repayment terms — if necessary, the borrower can extend the microloan by paying only the interest.

Microloans also have disadvantages. These include:

  • a very high interest rate — the overpayment for borrowers with a bad credit history will be at its maximum;
  • small loan amounts and short terms;
  • the need to provide vehicle collateral when borrowing a large amount.
Updated: 30.10.2026
Imil Tkarev
Author
Imil Tkarev
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