Bank Zenit
Renaissance Bank
LOCO-Bank
T-Bank
Bank Sinara
Credit Europe BankЗаймы через Госуслуги — условия 2026
Updated: 30.10.2026
Borrower category
By city
Payout method
Via Telegram
Via mobile app
Without a phone number
На карту Т-Банк
To a VTB card
To another person’s card
To a Visa card
To a virtual card
To a card without email
To a Momentum card
To an instant-issue card
Via Gosuslugi
Without leaving home
Express microloans to a card
Microloans by money transfer
Via the Zolotaya Korona system
To a Kukuruza card
To a savings book
To a Mir card
To a credit card
To a Maestro card
To a Sberbank card
Urgent home delivery
Fast microloans to a card
To a card without checks
Without a card
Online microloans
First microloan to a card interest-free
To a card 24/7
To a card with high approval
To a card interest-free
To a card with poor credit history
To a card instantly
To a card online
To a card
To a phone number
Cash
To a bank account
YooMoney
To an e-wallet
Microloan term
Decision time
Microloan amount
Terms
In installments
No insurance required
No identity verification
With a written receipt
New Year
Online microcredit to a card
No subscriptions
No intermediaries
No fee
Unsecured
High approval with poor credit history
Without employment details
No prepayment
No card charges
SMS microloans to a card
With zero balance
Lesser-known lenders
With monthly payments
Verified
Secured by car
Without SNILS
After a rejection
At 0%
Microloans for absolutely everyone
Reliable
Secured by a truck
Without registration
Microloan repayment
For 30 days interest-free
Without a passport
Automated microloans
100% approval
No phone calls
Borrow money
Without credit history
Mini microloans
Automated microloans
Do Zarplaty
No credit checks
With overdue payments
24/7
Online microcredits
Passport only
High approval chance
Secured by vehicle title
No guarantors required
Interest-free
First microloan interest-free
With poor credit history
Low rate
New microloans
By phone
15 options
Amount:
100 000 ₽
Credit history:
Any
Rate, %:
From 0 %
Age:
From 18 years
Term:
up to 365 days
Decision:
From 2 min
Amount:
30 000 ₽
Credit history:
Any
Rate, %:
From 0 %
Age:
From 18 years
Term:
up to 29 days
Decision:
From 2 min
Amount:
100 000 ₽
Credit history:
Any
Rate, %:
From 0 %
Age:
From 18 years
Term:
up to 126 days
Decision:
From 1 min
Amount:
100 000 ₽
Credit history:
Any
Rate, %:
From 0 %
Age:
From 18 years
Term:
up to 168 days
Decision:
5 min
Amount:
100 000 ₽
Credit history:
Any
Rate, %:
From 0.8 %
Age:
From 18 years
Term:
up to 180 days
Decision:
From 1 min
Amount:
100 000 ₽
Credit history:
Any
Rate, %:
From 0 %
Age:
From 18 years
Term:
up to 180 days
Decision:
From 2 min
Borrower category
By city
Payout method
Via Telegram
Via mobile app
Without a phone number
На карту Т-Банк
To a VTB card
To another person’s card
To a Visa card
To a virtual card
To a card without email
To a Momentum card
To an instant-issue card
Via Gosuslugi
Without leaving home
Express microloans to a card
Microloans by money transfer
Via the Zolotaya Korona system
To a Kukuruza card
To a savings book
To a Mir card
To a credit card
To a Maestro card
To a Sberbank card
Urgent home delivery
Fast microloans to a card
To a card without checks
Without a card
Online microloans
First microloan to a card interest-free
To a card 24/7
To a card with high approval
To a card interest-free
To a card with poor credit history
To a card instantly
To a card online
To a card
To a phone number
Cash
To a bank account
YooMoney
To an e-wallet
Microloan term
Decision time
Microloan amount
Terms
In installments
No insurance required
No identity verification
With a written receipt
New Year
Online microcredit to a card
No subscriptions
No intermediaries
No fee
Unsecured
High approval with poor credit history
Without employment details
No prepayment
No card charges
SMS microloans to a card
With zero balance
Lesser-known lenders
With monthly payments
Verified
Secured by car
Without SNILS
After a rejection
At 0%
Microloans for absolutely everyone
Reliable
Secured by a truck
Without registration
Microloan repayment
For 30 days interest-free
Without a passport
Automated microloans
100% approval
No phone calls
Borrow money
Without credit history
Mini microloans
Automated microloans
Do Zarplaty
No credit checks
With overdue payments
24/7
Online microcredits
Passport only
High approval chance
Secured by vehicle title
No guarantors required
Interest-free
First microloan interest-free
With poor credit history
Low rate
New microloans
By phone
Articles on loans
All
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Loan reviews
All
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.
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.
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
-
Microloan amount100,000 RUB
-
Microloan termup to 365 days
-
Rate, %from 0 %
-
Credit historyAny
Loans via Gosuslugi differ from regular microloans only in the way the application is filled out. They are also processed online without the need to visit an MFI office. However, filling out the application requires registration and verification on Gosuslugi.
Features of microloans via Gosuslugi
Features of microloans via Gosuslugi include the following:
- Online processing — in most microfinance organizations, you can apply for a microloan online without visiting an MFI office.
- Fast application review — borrowers typically receive responses to their applications within minutes of submission. Information about the MFI's decision arrives via SMS or email.
- Ease of application — filling out an application with authorization via Gosuslugi takes just a couple of minutes, as the system usually automatically populates the borrower's details.
- Security — all borrower data is protected by the Gosuslugi portal's security system.
- Accessibility — almost all adult citizens of the Russian Federation can get small microloans, even if they have a poor credit history or no official income.
- Flexible lending terms — microfinance organizations offer various microloan conditions, including terms, interest rates, and amounts.
- Early repayment option — borrowers can repay a microloan ahead of schedule without penalties or fees.
Which MFIs offer loans via Gosuslugi
Many microfinance organizations issue microloans via Gosuslugi. However, the most favorable terms are offered by the following companies:
Sravnim24 recommends!
Offer
Amount
Credit
history
history
Rate, %
Term
Rating
Belka Credit
Web-zaim
Fin5
OneClickMoney
Vivus
Zaimer
MoneyMan
CarMoney
Tselevye Finansy
Vash Kredit
Mikroklad
PapaZaim
Nado Deneg
Credit7
Borrower requirements and necessary documents
Borrower requirements may vary depending on the company the client applies to. But generally, loans are available to people who:
are citizens of the Russian Federation;
- have permanent or temporary registration within the Russian Federation;
- aged 18 to 70
- fully legally capable at the time of receiving the microloan;
- have a regular source of income.
As a rule, a passport of a citizen of the Russian Federation is sufficient to get a microloan. In some cases, companies also request SNILS and INN data.
How to apply for a microloan via Gosuslugi
Applying for a microloan via Gosuslugi is simple. To do this, borrowers just need to:
- Review the terms at different microfinance organizations and choose the company that offers the most suitable and favorable ones.
- Fill out a loan application by logging in via Gosuslugi and specifying the desired loan amount and term.
- If the application is approved, undergo identity verification and specify how you want to receive the money.
Sravnim24 recommends!
Ezaem
55 000 ₽
Amount
Any
Credit history
0 %
Rate, %
18
Age
168
Term
From 15 min
Decision
Pros and cons of the loan
The advantages of such loans include:
- convenience — the loan is processed online without the need to visit an office;
- fast approval — thanks to automatic data pre-filling from Gosuslugi, application processing and the loan decision are faster;
- accessibility — all categories of borrowers can get a microloan;
- flexible terms — MFIs offer various loan conditions (terms, interest rates, and amounts);
- the option of early repayment without penalty charges.
Among the disadvantages of loans via Gosuslugi are:
- limited choice of MFIs — not all microfinance organizations offer loans via Gosuslugi;
- the need for registration and verification on Gosuslugi.
Updated: 30.10.2026
