Which bank to get a loan. Low interest loan. Reasons for rejection and how to avoid them

In 2020, Russian banks issue physical. individuals consumer credit in Moscow in cash or non-cash form. All offers and conditions of financial institutions can be found on our website. To determine where it is more profitable to apply for a loan, use the calculator online.

Conditions for obtaining loans in MSC

A loan for consumer needs in Moscow is issued on certain conditions. The agreement is drawn up on the provision of reliable information and some documents provided for by the selected loan program.

Programs and conditions of lending for individuals. persons:

2 documents for a small amount;
targeted loans for the purchase of cars, real estate and other expensive items on the provision of a complete set of documentation with confirmation of a stable income;
loans secured by property;
refinancing (to pay off other debts);
consumer credit in MSC for pensioners, students, payroll clients, etc.

Requirements and documents

Each consumer lending program provides for certain conditions for drawing up an agreement. A client who wants to quickly get money on credit for any purpose needs to write an application, indicate personal data and provide the bank with documents in the original according to the list.

Main requirements of creditors:

passport with a residence permit;
citizenship of the Russian Federation;
age of the borrower - from 18-23 to 80 years inclusive;
solvency of the client.

Consumer loans in Moscow banks

Many banks of the Russian Federation are ready to issue the most profitable loans to individuals in MSCs at a certain percentage per annum for the period specified in the contract. On our website, you can study all the offers and choose a loan that is optimal for registration, taking into account the conditions of the lender, the interest rate, the possibility of early repayment without overpayments and other important nuances. To calculate the cost of a loan and determine the amount of a monthly payment, use a convenient online calculator.

Which banks issue loans to individuals in MSC:

Alfa-Bank - cash loans up to 4 million rubles at 11.99% per annum for up to 4 years. Registration with 2-personal income tax.
Sovcombank - up to 1 million rubles for up to 48 months. at 11.9% per annum.
Promsvyazbank - up to 3 million rubles for up to 4 years at 9.9%.

Consumer loans can also be obtained from Sberbank of Russia, VTB, Post Bank, Russian Standard and other well-known financial institutions.

How to apply for a consumer loan in MSC?

On our site you can choose a loan for any consumer needs. We offer to study the current offers of banks, interest rates on loans in MSCs and conditions for the borrower. Having decided on the choice, we proceed to the registration of the application via the Internet.

select a bank and click the "apply" button;
the system will transfer to a new page where you need to carefully study the conditions of the lender and fill out an electronic form following simple prompts;
further, we send a finished application in one click and wait for the decision of the bank.

Money can be received in cash or by bank transfer on the day of treatment.

Where else to get a loan in MSC?

Clients who have received a refusal from the bank, as well as citizens with a bad credit history, can take a loan from MFI MSC on very simple terms. You can study all the offers of microfinance companies and apply online for a loan in Moscow right now on our website!

Loans without a guarantee, without collateral and without certificates of income for goods, housing or a car in Moscow are a profitable lending service that completely simplifies the entire scheme for obtaining credit funds by a consumer. We will help you in solving the problem - where to get a loan without guarantors in Moscow. You can apply for a loan without guarantors in Moscow using this service.

Types of loans without guarantors

Without guarantors, you can get the following types of loans:

a loan for housing (mortgage) without guarantors is quite difficult to get;
consumer cash loan for necessary services or goods;
student loan;
travel credit and other types of loans to Moscow.

How to get a loan without guarantors in Moscow

It is easy to get a loan without guarantors in the city of Moscow, an application for a loan is made in three steps:

You need to enter in the search form the required loan amount and the time for which you want to take it. The service will provide a list of Moscow banks that meet your conditions, you just need to make your choice.
After choosing a bank, an online application for a loan is made, which is sent to the bank via the Internet.
Within some time, indicated in the questionnaire, a representative of a financial institution in Moscow will contact you and make an appointment for paperwork.

Various lending programs help borrowers in a variety of life situations. To solve a financial problem, you need to take a cash loan by contacting one of the banks in Moscow. On the federal portal Vyberu.ru you will find a list of credit institutions where you can get a loan in Moscow. At the moment, there is information about 177 banks providing such services. The total number of programs collected on the site reaches 785.

Bank loans in Moscow differ in terms and requirements for the borrower, so you should carefully study all offers and carefully read the terms of the agreement. The Vyberu.ru website will help you find out all the points of any program and compare suitable options for a number of defining parameters. After that, you will be able to make an informed decision about which loan (for example, consumer) to take and which bank in Moscow to apply for. Submit your application without leaving your home.

How to use a loan calculator?

Enter the amount, repayment period and rate into the loan calculator - you will immediately receive a payment schedule and the total cost of the loan product.

How to apply?

If you are planning to take out a loan that you are interested in, find out the bank's decision online. To do this, click "Apply" in the tab of the product you need.

The online application form will require you to provide the following information:

name of the borrower;
contact phone and email;
employment of a permanent income;
monthly income level.

Also choose how you plan to receive money: to an account, card or cash. The bank manager will tell you the answer. If the decision is positive, agree on the time of the visit to the office and the list of documents that will be required to apply for and take out a loan.

How to get favorable credit conditions?

Compare the interest rate and other terms of the programs of various organizations to choose the best option for a targeted or consumer loan. With the help of our portal service, you can determine a profitable program quickly and effortlessly. Use the filter system and set the amount, currency and loan repayment period you need. Click "Select a loan" so that only those offers that match your request remain on the page.

You can choose to sort banking products according to the following criteria:

loan amount;
interest rate;
the name of the financial institution.

Use the quick search buttons to sort loans by specific criteria: need for collateral, eligibility for targeted or personal loans, cash, programs for clients with bad credit history.

In addition, you can rank banks by their reliability - select the top 10, 20, 50 or 100 financial institutions tab. To see all filters, click "Loan Terms".

Who will wait a few days if you can get cash right on the day you apply? Only those who are not in a hurry. And if the money was needed urgently, and generally needed yesterday, then what to do? Contact banks that quickly make a decision on the application and issue urgent loans on the same day. Some in general, and guarantors and even. Well, if you are ready to bring 2-personal income tax and some second proof of identity, then all the doors are open to you and the minimum interest on loans is available.

Banks that quickly issue a loan on the same day

Bank	Percent	Sum	Consideration
in 1 minute	From 7.9%	Up to 1,000,000	1 minute!
	From 7.5%	Up to 3,000,000	1-2 hours
with poor CI	From 9.9%	Up to 15,000,000	Up to 60 minutes
without refusal	From 9.9%	Up to 5,000,000	In one hour
	From 9.9%	Up to 700,000	20-40 min.
fast	From 10.5%	Up to 1,000,000	5-15 min.
	From 8.8%	Up to 5,000,000	15 minutes
by passport	From 10.5%	Up to 1,000,000	10 minutes
instantly	From 0%	Up to 30,000	Instantly
	From 0%	Up to 80,000	2-3 minutes
automatically	Up to 1%	Up to 15,000	Instantly

The most profitable quick loan is issued to Gazprombank from 7.5% and Homecredit - from 7.9%, and even a solution in just 1 minute. The competitors MKB, Renaissance and Vostochny are slightly behind - less than 10% per annum. Conveniently, close to home and right on the day you apply, apply for express loans at MTS. In the same place, in the ICB and Vostochny, they only lend by passport (there is a limit on the maximum amount), and in the latter they also approve applications with a spoiled history. With a good CI, contact Gazprombank or OTP. And if the problems are so serious that banks have already refused several times, then you can instantly receive money in E-Cabbage and MoneyMan, and if you apply for the first time, then also at 0%.

Banks that issue cash on the day of treatment

Little data? Read a more detailed review of banks that you should apply for an urgent loan.

Homecredit - decision on the application in 1 minute

Amount: From 10,000 to 1,000,000;
Term: 1 to 5 years;
Interest rate: From 7.9%;
Age: 22-64 years;
Documents: 2 documents.
Solution: 1 minute.

The main plus is that they open consumer loans with an instant decision in just 1 minute. Income certificates are not needed and most often they issue urgent consumer loans in general only on the passport of the Russian Federation. But they may ask for an additional one - take SNILS, everyone has it, and that will be enough.

Do not forget to provide reliable data on work and salary, although certificates are not needed, it is important for the bank to know that you are a reliable borrower and will be able to repay interest on time. They do not cooperate with the unemployed, they refuse with delays.

Gazprombank - fast with good CI

Amount: From 50,000 to 3,000,000;
Term: 2-7 years;
Rate: from 7.5%;
Age: 20-70 years;
Documents: passport, additional + certificate 2-NDFL;
Solution: 1-2 hours.

It is worth applying if you have a permanent job with a total experience of 1 year and 6 months at your current workplace, as well as a good credit history. With poor CI or no work, you will get rejected, so it’s better not to waste time right away.

A certificate confirming income is required, and any additional document of your choice confirming your identity. But cash can be picked up right on the day of the appeal, if you send the questionnaire before lunch.

Vostochny - for loans with a bad history

Amount: From 25,000 to 15,000,000.;
Term: 1 - 20 years;
Interest rate: From 9.9%;
Age: from 24 years;
Documents: only a passport.
Solution: 1 hour.

Vostochny cooperates not only with reliable borrowers, but also with problem clients. Willingly lends to and, women, the unemployed and. He does not refuse those who do not have a very good CI, the main thing is that there are no current delays and large debts in the past.

It’s not worth counting on 15 million, but a loan is issued without proof of income.

ICD - on the same day according to the passport

Amount: From 750,000 to 5,000,000;
Term: 1 - 5 years;
Interest rate: From 9.9%;
Age: from 18 years old;
Documents: passport.
Solution: 1 hour.

The main advantage of the bank is that you do not need to collect a pile of extra papers. To get an urgent loan, you only need a Russian passport. You send the questionnaire, within an hour you receive a response from the bank, and in case of a positive decision, you can go to the nearest office for money.

Renaissance - a small loan in 30 minutes

Amount: From 30,000 to 700,000;
Term: 2-5 years;
Rate: from 9.9%;
Age: 24-70 years;
Documents: passport (over 200,000 - income certificate);
Solution: 20-40 minutes.

OTP - a quick decision on the application

Amount: Up to 1,000,000;
Term: 1-5 years;
Interest rate: From 10.5%;
Age: 23-65 years;
Documents: RF passport + 2-NDFL certificate.
Solution: 5-15 min.

Applications are considered almost instantly, they are ready to issue cash on the day of application, if you do not forget to grab a complete set of documents. You will need a passport, TIN of the company where you work, and a certificate confirming income. For reliability, we advise you to take another SNILS. Experience from 3 months.

The minimum percentage of 10.5% is only for a loan of 300,000, less - from 14.5%.

They cooperate with individual entrepreneurs - in this case, additionally bring with you a certificate of registration of an individual entrepreneur and a copy of the tax return in order to confirm the income. Low interest rates on consumer loans are available to all reliable borrowers with a good history.

Alfabank - low interest cash

Amount: From 50,000 to 5,000,000;
Term: 1 - 7 years;
Interest rate: From 8.8%;
Age: 21-65 years;
Documents: passport, 2 additional + 2-NFDL.
Solution: 15 minutes.

The minimum percentage is offered to salary clients and reliable borrowers. For the rest, the rate is determined individually. Mandatory current experience of 6 months and a salary of 10,000 rubles (require proof of income in the form of a bank or standard 2-NFDL).

The set of papers is the largest, in addition to the passport and 2-personal income tax, two more documents are needed. You can bring the TIN or insurance policy or others from the list on the bank's website.

MTS - express loans close to home

Amount: From 20,000 to 1,000,000;
Term: 1-5 years;
Rate: from 10.5%;
Age: 20-70 years;
Documents: Russian passport + SNILS;
Solution: 10 minutes.

The minimum 10.5% per annum is for payroll clients or those who are not too lazy to bring a 2-personal income tax certificate. Without it, rates from 15.9% and a limit of up to 200,000. But if this is enough for you, but you need a loan right the same day, send the questionnaire, get an answer in 10 minutes and go to the nearest MTS office, which is enough in any city, and can be found near home or work.

Ways to get a loan as soon as possible

Prepare all documents in advance. It can be very disappointing when you sent an application, received approval and are already in a hurry to the bank for money, and in the place it turns out that you don’t have a copy of your work or you didn’t take a second document confirming your identity. Or they took it, but it does not fit, since the bank has approved a list of those that you did not have. Study in advance what papers and their copies you need to provide to the bank, and do not forget to take them with you.
Provide valid data. A mistake of one letter in the name or name of the organization in which you work can cost you not only a refusal in this company, but a spoiled CI. And a clear lie with wages, length of service or place of work guarantees the rejection of the questionnaire and the submission of data on an unscrupulous borrower to the BKI. There are few banks, so do not deceive and embellish.
Submit your application early in the morning. Everything is simple here, the sooner you send your application, the sooner the manager will check it and issue a decision on the application. This means that the sooner you can go to the bank to sign an agreement and receive a consumer loan. Many work until 17:00, sending a questionnaire after lunch, you run the risk of not having time to pick up cash on the day of the call.
First of all - to your bank. The fastest way is to check the client with whom you have been cooperating for a long time. The easiest way is to borrow from a payroll bank - there are usually more loyal conditions, and, and income statements are not required, a passport is enough. You can also go to where you have a credit / debit card or a deposit opened.

Even if a complete set of documents, contacting your bank and up-to-date information about yourself did not help you, and you were refused in 2-3 banks, and you still need money yesterday, the last option remains. Please contact MFI. They are loyal to a bad story and are more willing to lend even to problem borrowers.

3 microloans that can be instantly received on the card

Difficulties with a bank loan, no official job or the ability to get a certificate of income? Bad credit history and the bank is always denied? Or just need a small amount? Contact the MFIs that issue new clients - there are a lot of them now, if you apply to different ones each time, you can not pay interest. Most importantly, do not forget to pay off the debt on time. By the way, this is also a good way.

E-cabbage - round-the-clock loans from 0% per day

Amount: Up to 30,000;
Term: From 7 to 21 days;
Rate: 0% for new customers, then up to 0.99% per day;
Age: from 18 years old;
Documents: Passport of the Russian Federation.

What is convenient for MFIs is that you need to take a minimum of actions in order to open an urgent loan. Fill out a short questionnaire on the site, indicate your data, and the money will already be on your card. Cash can be received on a debit or credit card, Yandex money or a Golden Crown or Contact transfer. In the latter case, however, you still have to leave the house and walk to the company's office to pick up cash.

Amount: From 300 to 15,000;
Term: From 7 to 30 days;
Rate: 1% per day;
Age: 21-65 years;
Documents: only a passport.

Loans are issued around the clock in automatic mode using a scoring program. If everything is relatively in order with your credit history and you have provided reliable data, you can get money at least at 3 am on the card literally 1-3 minutes after filling out the application. No references required.

If there are no problems with the official salary, income level and CI, you can apply for cash at any bank. It is better to go to the one with the lowest interest on loans, so as not to overpay. The minimum rate is usually available only to a limited circle of reliable borrowers, payroll clients and loans. But we have compiled an overview of 10 banks with the lowest interest rates.

In order to be guaranteed to receive the smallest percentage on, first contact the bank where you receive your salary. If the conditions there are not too pleasant, then one of the list below. Read more tips on how to lower your interest rate at the end of the article.

Banks for loans at the lowest interest

February 2020

The minimum percentage is currently offered by Gazprombank and Homecredit. A little more Sovcombank, but they have a promotion " All under 0!”- the bank returns the previously paid interest on the loan if you have issued and use their Halva card. All the rest have the lowest rates from 9% to 10%, but they are not offered to everyone.

ATB, Vostochny, Otkritie, Promsvyazbank and MKB issue only 1 document each without income statements and guarantors. With a damaged CI, you can contact Renaissance and Vostochny, they are loyal to problem borrowers, and with a good one - in any of the tables above. Without official work, apply to Vostochny, MKB or Otkritie.

Read a more detailed overview of each of these loan offers below.

Homecredit - the most profitable loan in 1 minute

Amount: From 10,000 to 1,000,000 rubles;
Term: 1-5 years;
Rate: From 7.9%;
Age: 22-64 years;
Documents: 2 proof of identity, may ask for proof of income.

Sometimes they may ask for a second identity document. You can take a driver's license, a medical policy or SNILS, which everyone definitely has. If there are doubts about the borrower, then they ask for a certificate of income. But in the case of work with long experience and high salary, this is not necessary.

Instant decision in 1 minute - you can get cash.

The loan term is a multiple of 1 year, you can apply from 22 to 64 years. They even lend, in this case, do not forget to bring a pension certificate. With delays, bad history, and no official work, you're more likely to get rejected.

Sovcombank - loan with interest return

Amount: Up to 100,000 rubles;
Term: 1 year;
Rate: from 8.9%;
Age: 20-85 years;
Documents: passport, 2nd additional + 2-personal income tax.

Offers a low interest rate of 8.9% on its loans, but lends only a small amount up to 100,000 rubles and only for 12 months. If it’s enough for you, you can contact, the main thing is that there are no delays and large debts earlier.

Do you want to not only get a consumer loan at a low rate of 8.9% per annum, but also use it for free at all? Issue an additional free installment card ““ at Sovcombank, pay it in stores, and the bank will return the interest on the loan to you every month.

The application can be considered up to 5 days, so if you need it urgently, then contact other organizations.

ATB - low interest rate on a loan with an experience of 1 month

Amount: Up to 700,000;
Term: 1-5 years;
Rate: From 9%;
Age: 23-65 years;

ATB has the lowest interest on an express cash loan, which can only be issued with a passport in Moscow, Siberia, the Far East and beyond. Rates from 9% per annum. And simple requirements for experience - from 1 month. They give out, here the requirements are already - from 6 months after registration.

Approval in 1 day, you can get today if you have time to send to the bank before lunch. Issuance of money for any needs, it is not required to confirm income.

Gazprombank - low interest loans to borrowers with good CI

Amount: Up to 3,000,000;
Term: Up to 7 years;
Rate: From 7.5%;
Age: 20-70 years;
Documents: passport, 2nd of your choice + proof of income.

Contact only if you have a good CI and official work with experience of at least six months at the last workplace, and a total of 1 year. But they are ready to offer their lowest percentage of 7.5% not only to payroll clients, but also to all reliable borrowers who meet the conditions.

It is mandatory to confirm income, you can not only 2-personal income tax, but also in the form of a bank. If desired, you can also repay ahead of schedule without fines and penalties. Interest will be calculated based on the actual term of use of borrowed funds.

Rosbank - profitable loans and refinancing with a reduced loan rate

Amount: From 50,000 to 2,000,000.;
Term: 1-5 years;
Rate: From 9.9%;
Age: 24-65 years;
Documents: passport + 2-personal income tax or a certificate in the form of a bank.

In Rosbank, you can not only get a good rate on a new one, but also make 9.9% per annum at the same small rate. True, the most favorable conditions are provided only for those who receive a salary on the card of this bank or work in one of its partner companies (look for the list on the official website). For the rest, it is traditionally calculated individually - it depends on the credit history, the documents provided, the length of service and the level of confirmed income.

If you are too lazy to receive a certificate, then there is the possibility of confirming income through the State Services website. If you are requesting more than 400,00 rubles, then you will also need a copy of your work book certified by the employer.

Opening - a loan with low interest on 1 document

Amount: From 50,000 to 5,000,000;
Term: From 1 to 5 years;
Rate: From 8.5%;
Age: 21-68 years;
Documents: RF passport (sometimes 2-personal income tax, a copy of labor and additional documents).

Opening is ready to lend for just one document, without forcing you to collect a bunch of additional papers and spend time on issuing certificates. But at the same time, the minimum loan rate of 8.5% is available to everyone who has proven themselves well earlier in this or other banks, and is ready to issue 2-personal income tax and bring additional papers.

We advise you to take a foreign passport with you if it contains marks for the last 12 months, as well as papers for a car or apartment, if they are in your possession. In this case, loans are usually even if you do not have the most crystal clear CI.

MKB - issuing a loan only on a passport with a small percentage

Amount: From 750,000 to 5,000,000;
Term: 1-5 years;
Rate: From 9.9%;
Age: from 18 years old;
Documents: only Russian passport.

Our favorite MKB is a bank that is practically trouble-free for all categories of borrowers, which only asks for a passport when applying, but at the same time offers a very small percentage of 9.9% per annum. One of the few is ready to lend money immediately from the age of majority.

The decision on the application takes less than 1 hour. We filled out the questionnaire in the morning, after lunch you can already come to receive money. Issuance on the same day.

There are credit holidays - the first 3 months you can pay reduced payments if it is difficult for you to pay off large amounts. Draw up, but if you, then the rate automatically increases.

Vostochny - issuing loans even with a bad history

Amount: Up to 3,000,000;
Term: Up to 20 years;
Rate: From 9.9%;
Age: 24-65 years;
Documents: issuance of a passport.

The most loyal to the damaged CI among Russian banks. Approves even those who have had large debts and delinquency in the past. If only there were no current ones. True, no one will give 15 million to problem borrowers, but on the other hand, a loan of up to 500,000 rubles will be issued without certificates and at a low interest rate in just 1 document.

An ideal option for those who need cash right today, at a low interest rate and only with a passport.

Promsvyazbank - low interest loans for employees of reliable companies

Amount: From 100,000 to 3,000,000;
Term: From 1 to 12 years;
Rate: From 9.9% to 14.9%;
Age: 21-70 years;
Documents: Russian passport.

In Promsvyazbank, even the maximum rate is lower than in other companies offering the minimum. Even if 14.9% per annum suits you, you can safely apply. True, loans are approved here only to employees of the bank's partner companies, a list that can be found on the website or clarified by phone. The rest are denied. But if you turned out to be one of those lucky ones, they won’t ask you for anything other than a passport.

Even if you did not find a list of companies, you can apply and try to get approval.

Renaissance - a loan without refusal to problem borrowers

Amount: up to 700,000;
Term: 2-5 years;
Rate: from 9.9%;
Age: 24-70 years;
Documents: passport + second optional.

Renaissance is another company that, along with Orient Express Bank, willingly cooperates with problem clients. They lend to pensioners, individual entrepreneurs, and other categories of the population who find it difficult to confirm their income.

Indicate the requested amount in the application form - in this case, registration without certificates is only for a Russian passport.

Do not forget to bring any additional document to the office - a policy, TIN, rights or SNILS. There are requirements for seniority - from 3 months, and wages - from 12,000 in Moscow and Moscow Region and from 8,000 in other regions.

4 conditions for obtaining the lowest interest rate on a loan

And finally, a few conditions for guaranteed obtaining a profitable loan. If you meet them, you can contact any bank you like. You will not be refused and a good individual offer will be made.

Good credit history. If you already had several loans in the past that you regularly repaid and closed the debt on time, if you used credit cards and did not miss mandatory payments, then it is likely that in the future you will not have problems with payments. Any lenders approve such clients 100% without refusal. With a spoiled CI, everything is obvious - there were problems, there may be again. But with zero history - some have questions. Like, how is it that I didn’t have any delays, since I never took loans? We answer - with a clean CI, banks simply do not know what to expect from you. That's why they refuse.
Great experience and high white salary. Lenders need reliable borrowers, and the most solvent of them are just those who have been working at the same job for several years and climbed the career ladder, receiving a large income. Here is such a paradox - the most willing to issue loans to those who already have money. And the lowest percentage is offered to those who can pay a larger monthly payment without compromising their usual standard of living.
Car or apartment ownership. Another confirmation of the client's solvency is the presence of some significant property. Ideally, real estate, a house, plot or apartment, but a car is also suitable if it is not older than 10 years. So, when you go to the office to sign the contract, take with you an extract from the USRN for an apartment or a title for a car. Get a lower loan rate.
Ideal age between 25 and 40 years old. Credit organizations consider the age of 25-40 years to be the most solvent, since here people have already managed to gain experience, build a career, achieve high salaries, but it is still far from layoffs and pensions. They are the ones who lend the most. But the most difficult thing is to get cash in debt to students, people from 18 to 21 years old and pensioners over 65 years old.

6 tips on how to get a loan at the lowest percentage

Contact your bank. The first and most important advice is to first send an application to the bank where you receive your salary on the card. In this case, banks are often ready to offer the lowest percentage, and the amount is larger and the term is longer. In some organizations, minimum rates are generally available exclusively to payroll clients. If you don't like the conditions at your bank, then go where you have an open deposit or a credit/debit card that you use.
Don't be lazy to verify your income. Despite the fact that almost half of the companies from our review are ready to issue a loan with just 1 document without references, do not be lazy to issue this very certificate and certify it with the employer. If you have other sources of income, such as business activities, dividends on stocks and bonds, a rented apartment, or something else, try to get papers that can confirm this income.
Send the questionnaire to several banks. Would you like to compare what individual conditions different banks offer you? Submit multiple applications. The main thing here is not to overdo it, many simultaneous applications can become a reason for refusal, and this negatively affects the CI. 2-3 applications to the most profitable banks will be enough.
Offer a deposit. Need an even lower percentage, and even without certificates? Use mortgage loans. You can issue or a small one and get cash at 7% -8% per annum only with a passport. Real estate and / or cars must be in your ownership. And you will need to repay the loan in a mandatory manner if you do not want to lose the collateral (and they usually issue no more than 60% -70% of its value).
Refinance old loans. It is not necessary to take a new one, if you can just take it earlier at a high rate - in any of those who now offer up to 10% per annum. And if you need cash, you can leave the same monthly payment and the same term after the restructuring, but get an additional amount of “live” money in your hands. As a bonus, you will receive one payment, and not 2-3 on different dates that are not very convenient for you.
Take a larger set of documents. Does the bank only ask for a Russian passport and 2-personal income tax? Take some additional documents with you. This will increase the chances of approval, and will allow you to count on a smaller percentage. It is best to take with you documents on the ownership of any property or car. A foreigner with travel notes for the last year is also a good confirmation of your financial solvency.