Займы с плохой КИ — условия 2026

If a person urgently needs money, but banks refuse them due to a bad credit history, they can turn to microfinance companies. They provide loans to people with a problematic credit history with minimal requirements and a high probability of approval.

Features of microloans with a bad credit history

Loans with a bad credit history have many features. Among them, we can highlight the following:

1. High interest rates — for clients with a bad credit history, loan interest can be at its maximum.
2. Small loan amounts — the first time, a client with a bad credit history will receive a small loan (usually up to 10,000–15,000 RUB). To get a larger amount, they must actively take out loans and repay them on time.
3. Short loan terms — the possible loan term will also be short, approximately from 1 day to 2 weeks. To extend it, the client must also actively use the services of the microfinance organization.
4. Presence of collateral — if a client with a bad credit history needs a large amount, it may be necessary to provide a car as collateral.

Which MFIs can you apply to for a loan with a bad credit history

Almost all microfinance organizations issue loans to clients with a bad credit history. However, more favorable terms are offered by the following companies:

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Offer

Amount

Credit
history

Rate, %

Term

Rating

Belka Credit

Amount

30 000 ₽

Credit history

Any

Rate, %

From 0 %

Term

up to 29 days

Rating

4.5

Web-zaim

Amount

30 000 ₽

Credit history

Any

Rate, %

From 0 %

Term

up to 30 days

Rating

4.4

Fin5

Amount

30 000 ₽

Credit history

Any

Rate, %

From 0.8 %

Term

up to 30 days

Rating

4.33

DobroZaim

Amount

100 000 ₽

Credit history

Any

Rate, %

From 0 %

Term

up to 365 days

Rating

4.33

Kviku

Amount

100 000 ₽

Credit history

Any

Rate, %

From 0.03 %

Term

up to 360 days

Rating

4

Srochnodengi

Amount

100 000 ₽

Credit history

Any

Rate, %

From 0 %

Term

up to 180 days

Rating

4

A Dengi

Amount

30 000 ₽

Credit history

Any

Rate, %

From 0 %

Term

up to 30 days

Rating

4

Microloan

Amount

50 000 ₽

Credit history

Any

Rate, %

From 0 %

Term

up to 168 days

Rating

4

Bistrodengi

Amount

1 000 000 ₽

Credit history

Any

Rate, %

From 0 %

Term

up to 1,095 days

Rating

3.67

Tselevye Finansy

Amount

100 000 ₽

Credit history

Any

Rate, %

From 0.8 %

Term

up to 180 days

Rating

3.5

Vash Kredit

Amount

100 000 ₽

Credit history

Any

Rate, %

From 0 %

Term

up to 180 days

Rating

3.5

Tsentrofinans

Amount

500 000 ₽

Credit history

Any

Rate, %

From 0.23 %

Term

up to 1,800 days

Rating

3.5

PapaZaim

Amount

100 000 ₽

Credit history

Any

Rate, %

From 0.45 %

Term

up to 365 days

Rating

3.5

Finterra

Amount

100 000 ₽

Credit history

Any

Rate, %

From 0 %

Term

up to 365 days

Rating

3.5

Nebus

Amount

100 000 ₽

Credit history

Any

Rate, %

From 0.8 %

Term

up to 365 days

Rating

3

Max.Credit

Amount

30 000 ₽

Credit history

Any

Rate, %

From 0.8 %

Term

up to 30 days

Rating

3

Credit7

Amount

30 000 ₽

Credit history

Any

Rate, %

From 0 %

Term

up to 30 days

Rating

2.5

Finmoll

Amount

100 000 ₽

Credit history

Any

Rate, %

From 0.8 %

Term

up to 365 days

Rating

2.5

Umnye Nalichnye

Amount

30 000 ₽

Credit history

Any

Rate, %

From 0.8 %

Term

up to 30 days

Rating

2.5

Dengi Srazy

Amount

30 000 ₽

Credit history

Any

Rate, %

From 0 %

Term

up to 30 days

Rating

2.5

Show more

Who can get a microloan with a bad credit history

Borrower requirements may vary somewhat depending on which microfinance organization the client applies to. However, most often MFIs issue loans with a bad credit history to people who:

• are citizens of the Russian Federation;
• have permanent or temporary registration within the Russian Federation;
• are over 18 years old;
• fully legally capable at the time of receiving the microloan;
• have a regular source of income.

As for documents, a Russian citizen's passport is usually sufficient to apply for a loan. Some MFIs also require a second document: a SNILS or INN. In some cases, documents for collateral property may also be required.

How to apply for a microloan

Applying for a microloan with a bad credit history is quite easy. To do this, the borrower needs to:

• review the terms at popular MFIs and choose the company that offers the most favorable ones;
• go to the organization's website and specify the desired loan amount and term;
• fill out an application, indicating last name, first name, patronymic, passport details, place of registration and actual residential address, employment and marital status information;
• if the application is approved, provide passport photos and bank details for transferring the loan.

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Pay P.S.

100 000 ₽

Amount

Any

Credit history

0 %

Rate, %

18

Age

365

Term

From 5 min

Decision

ApplyDetails

Apply

Details

Pros and cons of a loan with a bad credit history

The advantages of a microloan with a bad credit history include:

• the ability to get money with interest even with a bad credit history;
• quick application review and almost instant receipt of funds;
• flexible repayment terms — if necessary, the borrower can extend the loan term by paying only the interest, or repay the debt ahead of schedule.

However, such loans also have disadvantages:

• very high interest rates, especially when it comes to borrowers with a bad credit history;
• limited microloan amount and term;
• pledging a car may be required to get a large amount.