How to get a loan using a passport in 5 steps

Which banks issue loans with just a passport on the day of application

We have prepared a brief overview of banks you can turn to if you need money urgently.

• T-Bank

By submitting an application online, you can count on an amount of up to 2 million RUB at an interest rate starting from 12%. A bank specialist will deliver the card with the requested amount to your home in Moscow or to the office. The loan program provides for partial early repayment, and you can top up the account without commissions at 300,000 locations.

Is it true that early repayment ruins your credit history? Banks do not give a definitive answer, and customer opinions are split. In reality, borrowers who pay off a loan prematurely may be undesirable clients for the bank, but this is unlikely to ruin their credit history.

• HOME CREDIT BANK

Another bank that issues loans with just a passport online. After submitting the application, a decision is made in 1 minute; the loan term ranges from 1 year to 5 years. The minimum amount a borrower can count on is from 10,000 RUB, and the maximum is 1 million RUB. Home Credit Bank disburses the money on the day of application to a bank card.

Please note! The "My Credit" service is created for user convenience. It allows you to track all card transactions and repay the loan without commissions.

• Vostochny Bank

If you need a loan with just a passport, an online application can be sent to Vostochny Bank. The organization disburses cash starting from 25,000 RUB at an interest rate starting from 9.9% per annum. The loan term starts from 13 months.

• UBRD (Ural Bank for Reconstruction and Development)

If you do not want to bother with certificates and are counting on an amount of up to 200,000 RUB, you can get a loan with just a passport without refusals at UBRD. The bank has set an interest rate starting from 11.99% per annum. To get a larger amount, you will have to provide an income certificate in addition to your passport. Citizens who have reached the age of 19 at the time of application can count on the loan.

• Sovcombank

Sovcombank does not issue loans with just a passport on the day of application, but it requests another identity document. Since presenting a international passport, military ID, or driver's license is not a problem, we included this bank in the list. Bank clients can apply for a consumer loan within 1 million RUB for a term of up to 60 months.

Features of loans with just a passport

These are the simplest loans for which banks do not set special requirements for borrowers. To take out a loan with just a passport online to a card, you do not need to confirm your income or beat down thresholds hoping to get the necessary certificate. Since by offering such loan programs the bank takes a risk, it sets minimum amounts. They usually do not exceed 300,000 RUB.

Advantages of lending with just a passport:

• money is issued on the day of application, as a rule, you can pick it up within 1–2 hours;
• no additional certificates are required, at a minimum — just one more identity document;
• creation and submission of an application online;
• you can get a loan with just a passport even with a bad credit history.

Among the disadvantages are:

• high interest rate;
• minimal payout amounts.

As for the loan terms, they are standard. On average — from 3 to 7 years.

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What requirements do banks set for borrowers

If you need a loan with just a passport in Moscow or another city, you will need to present your main document. It must be original, clean, and unexpired. An online application with filled-in information will also be required. Is the bank requesting another additional document? Do not be afraid of this requirement; attach your SNILS, international passport, or INN.

Banks cooperate with citizens who are:

• hold Russian citizenship;
• of legal age — from 23 years old;
• with permanent registration in the district where the chosen financial institution is located;
• have a regular source of income (pension, salary).

When applying for a loan with just a passport online to a card, you need to indicate the source of income in the form — official or unofficial. For example, you live in a village and have income from a subsidiary farm. Without indicating the source of income, the loan issuance may be denied.

How to apply for a loan: step by step

The simplest and fastest way is to use our service.

1. Choose a suitable bank and read the lending terms.
2. Click on the virtual button "Get a loan".
3. After the system redirects you to the official page of the bank, you will see a short questionnaire. Fill it out by answering the questions.
4. Carefully check the accuracy of the completed questionnaire and send it to the lender.
5. Wait for the decision, and if it is in your favor, collect the money.

What to do if the bank denies your application

Despite the loyalty of financial institutions, not everyone manages to get a loan with just a passport without refusal. Some individuals are denied without explanation. In such cases, microfinance companies come to the rescue.

Advantages of loans from MFIs:

• Loan issuance takes place online. MFIs usually do not have offices and service points.
• You can get money without documents by entering your passport details in the application form.
• Many microfinance companies approve applications despite a bad credit history.
• Capped interest rates of no more than 1.0% per day.
• The option to get a loan 24/7.

Users note small limits and loan terms among the disadvantages. Usually, this is RUB 30,000 for up to 30 days.

If you need a long-term loan, MFIs won't help; apply to banks using our service.