Where can you borrow money if banks do not lend. They don’t give a microloan in an MFI, where to get it They don’t give a loan anywhere online

In the life of every person there have been situations when a large amount of money is urgently needed for some urgent business, but there is nowhere to get such money. And it's good if a person has a positive credit history. Today you can get a loan on one passport in just 30-40 minutes. But what should borrowers do if their relationship with banks has gone wrong? Where can they get money? This is a true story about getting a sum of money

There have been enough situations like this in my life. Once, I urgently needed 100,000 rubles. The money was needed to buy a TV, which was the last one and it had a crazy 70% discount. The TV was expensive and of high quality - Samsung. I asked to leave it until the end of the next day. It was in the evening - there was nothing to do in the banks. And the banks would not give me a commodity loan. I have a bad credit history. Then I started looking for alternatives. It was necessary to collect 100 thousand per day. Borrowing money from a private lender is too long, and it's night in the yard. Applying for a payday loan via the Internet is too small an amount. And then a non-standard idea came to my mind: why not apply for a loan immediately to all online MFIs?! The calculation was that they would give but not everywhere. If somewhere they refuse, then somewhere they will give

After a short search, 20 tabs were opened in the browser with different MFIs lending online, via the Internet. I started the most dreary step of "getting" money - filling out questionnaires and applications for a loan. I would like to note that if I went to the bank, then the issuance of a loan, if approved, would take 3 days. And so I managed to get the money in almost 1 day. Nothing complicated - just need fill out applications in several MFIs at once.

Where did we want to take the money and what happened

Moneyman was next on the list. Here the application was considered longer, and the questionnaire itself was much longer. 10 minutes later they called to make sure it was me. And a minute later they sent an SMS with a positive decision for 8,000 rubles. The money came the next day, around noon.

Feeling that with such a pace I would soon become a "millionaire", I took on the rest of the applications with redoubled zeal. Next in line was Platiza. My application was considered only the next day, and a loan in the amount of +5000 I received rubles the next day.

SMSfinance also approved me +5000 rubles, but there is only one way to receive money for new customers - in person at Contact points. The next morning I received the money. In total, in 30 minutes, I already had 25,000 rubles, although not on hand.

The next in line was the Credito24 service. After a 15-minute wait, I was refused, the ardor immediately subsided, but there were no more options, so I continued to search.

In eKapusta and Ezaem, my applications were approved only the next day, +4000 and +6000 respectively. Money from eKapusta came faster, literally in 1.5 hours, but from Ezaem only in the evening.


Lime-loan and Petrovich's word approved my applications quickly, +3000 And +4000 respectively. The money also came quickly, already in the morning lay on my card. Approval in Vivus had to wait, at 8.05 am a loan of 7,500 rubles was approved, and the money came in the afternoon.


But there were problems with the SMS-loan and Turboloan services, applications were considered within a few days. The loans were still approved, 3,000 and 6,000 respectively. The money also took a long time. This is a long option and it disappears

The largest loans to me were approved by the MFI Beri.ru and Seimer. In the first case they gave +10 000 rubles, and in the second +9000 rubles. The money came quickly, and the consideration was not long in coming.

But I was refused the next MFI, Webbankir was too shy to lend me, but Klikzaim.rf and Zimionline were not refused. The first company approved the application for 7500, and the second provided 6000 rubles.

Oneclickmoney and Loan Just approved loans for me +5000 And +4000 rubles, but it took a long time to wait for approval, however, as well as money on the card.

Euroloan and Kreddy also assisted in providing the loan. Here I would like to immediately clarify that my credit history at that time was far from ideal: frequent delays in payments, a large number of loans, etc. Despite this, 17 online lending services approved my applications. Yes, of course, in most cases the amounts are small, but the goal was achieved. With the world on a thread, but I collected the 100,000 rubles I needed, in just one night. Although this amount was not even on hand the next day, taking into account the work of some services.

Now I understand what to do!

In order not to take loans and not pay crazy interest later, you need to understand why they don’t give a loan at the bank. And try to fix the situation. This can be done with the help of trusted loan brokers. Their announcements are below.

It is loan brokers who will help you understand the reason for the refusal and help you choose a bank that does not use the services of a credit bureau that contains your bad credit history.
As a result, you can get a loan from a bank on more comfortable terms.

Final comparison

• The fastest was the issuance of a loan in Web-Zaim, MoneyMan, Honestly, Zaimer, Clickzaim, Zimionline.
• There was a long wait at Platiza, Oneclickmoney, eKapusta, SMS-finance, Borrow Simple.
• We considered applications for a very long time and transferred money to SMS-loan and Turboloan (I do not recommend)
• During the day they work: Ezaem, Vivus and Beri.ru

• Refused to provide a loan to Zaimo, Webbankir, Kreddy and Evrozaem. However, this is not an indicator, maybe you're lucky

If we talk about the time of receiving money on the card, then it is difficult to give an exact answer. The crediting of funds depends on many factors and, first of all, on the work of the bank that services your bank card. Therefore, in the table I will indicate the approximate time of enrollment.

If you make a table sorted by time, this is what happens:

MFI/parameters	Consideration of the application in minutes	Teaching money on a card or in hand	Notes
Zymionline	30 seconds	within 12 hours
Web Loan	30-45 seconds	within 12 hours	Immediately scan the completed passport pages and take your photo against the background of the monitor with the tab open
Seimer	1 minute	Within 1 day
Lime loan	5 minutes	within 12 hours	Each borrower is assigned a certain status. The maximum amount and% rate depend on the status
click loan	1-5 minutes	Within 1 day
Moneyman	5-15 minutes	within 12 hours	Get ready for questions about your credit history
Platiza	From 1 minute to several days	Within 2-3 days	Checking a bank card
One click money	30 minutes to 2 days	Within 2-3 days
eCabbage	Average 30-60 minutes	within 12 hours	Check the client completely. Call to work on the given numbers
SMS finance	1 minute to 1 day	Money is credited to the card within 12-24 hours	The first loan is issued only by transfer through Contact
Borrow Simply	From 5 minutes to 1-2 days	Within 1-2 days
SMS loan	Consideration of my application lasted 2 days	Within 12 hours after approval
Turbo loan	About 1.5 days	Within 1-2 days	Takes too long to process applications
E Loan	Applications are considered during the day from 8.00 to 22.00. If not for this factor, the service would be higher. The review is fast.	within 12 hours
Vivus	Consideration from 8.00 to 21.00. Applications are processed quickly, approximately 15-20 minutes	within 12 hours	Call the borrower
Beri.ru	From 8.00 to 20.00 Moscow time. Review within 15 minutes		Checking bank card

In conclusion, I would like to say that although my idea was successful, but within a few hours I only received approval for issuing loans. I held real money in the amount of 100,000 rubles in my hands only every other day. Therefore, if you urgently need a large amount, this option is not 100%. If you need the amount of 50 thousand, then you need to try and try to get it. The result will be - that's for sure.

Quite often it happens that you seem to have never taken a loan anywhere or closed all loans without problems, but you are not given new loans. You apply to different banks and MFIs and they all refuse. You think this is some kind of mistake. Maybe they confused you with someone and they give you a refusal everywhere. A vicious circle - and the money will be needed soon and very urgently.
Loan experts will provide several fairly common reasons for rejection:

• You have a bad credit history. You maybe you don't know about it, but the bank made a delay, although you closed the loan payments on time. Perhaps this is a technical error of the bank and it needs to be corrected. Information about the delay was transferred to the credit bureaus. Now all lenders see that you have a bad credit history and do not give you a loan
• Relatives have bad credit history. Oddly enough, but if your relatives have large delays in loans, then they will not give you a loan. The fears of banks are understandable - they assume that your relatives and you are one and you, too, will not pay like they do.
• You have a large debt on utilities, taxes and rent. Banks and MFIs check not only your credit history, but also your financial situation. They see that you are not paying - and therefore will not be able to pay the loan payments. As a result, the refusal to obtain a loan
• A consumer loan or a microloan was issued to you without your knowledge. Naturally, it was not paid and you have a big delay. It is possible that there is a namesake in the database of credit bureaus, in connection with which everyone also refuses you
• A criminal record, unexpunged convictions - no bank will give you such a loan.

How to be?

Informed means protected

Find out if the bank has spoiled the Credit history (CI)?

You will receive a report - and you will be able to understand your financial rating. This will allow you to understand what to do next. Also, a credit rating will be determined for you, which will allow you to understand how good a borrower you are for a bank or MFI.

Debt to be paid!!!

step two- try to understand if the relatives and the communal apartment have any debts. If there are debts, ask relatives to close the debts. You will also need to deal with utilities yourself. Utilities usually do not wait and sue if you have a large debt. You don't need a court, so it's better to start paying. But debt is only one factor. Even with debts for a communal apartment, you can get money in debt. You just need to make yourself a good credit history, if you don't have one. More on this below - you need a service to correct your credit history.

Happy story.

Step 3. Try to fix your credit history
Now there are services that allow you to fix your credit history. The remedial regime includes obtaining and paying off several small loans on time. This service is provided by Platiza.ru service.

You just take and turn on the credit history correction mode. And after a while, loans for large amounts will be available to you.

Good afternoon. Today we will figure out why when you turned to one bank or MFI, you were refused, and when you turned to another company, you were approved for a loan, provided that the information was submitted by each institution is the same.

Where to get a loan without refusal? Which companies issue microloans to the card urgently, online, without refusals? We will talk about this in the current article.

Why is extradition denied?

There may be several reasons:

The first reason is credit history. More precisely, the bank's approach to its verification. When the manager reviews the application, he makes a request to the Credit Bureau to get an opinion on what loans and loans were, are now, the presence of delinquency, and so on. This service is paid for by the bank. Depending on how extended the conclusions of the BCI provide, the more fees are charged for this. The simpler the conclusion, the less it costs. The most inexpensive answer would simply be a five-point credit score. At the same time, the most expensive conclusion can include absolutely everything: every past loan, date of issue, monthly repayment schedule, even minor delinquencies, current obligations and their expiration date.

Banks can use the services of not only one Bureau, but three or four different ones at once. It depends on the policy of a particular institution and on what budget is allocated for this. If the bank is serious and the verification of the borrower is well funded, then they will see absolutely everything. At the same time, a bank that has decided to save money on checking the borrower for some reason will order the simplest conclusion in one CBI.

Therefore, having come with the same credit history to one organization, you can be refused, and to another - approval and issuance of a loan. It all depends on the depth of analysis and the internal policy of the company.

For example, you have an old small delay, a few years ago you were late with making a payment for two weeks, but then everything was closed. This information is also kept by the Credit Bureau. A bank that “digs” deep will see this violation and refuse to issue it, and a bank that orders a simple inexpensive conclusion will approve it, since on a five-point scale you will be given a mark of four.

The same scheme works in MFIs. If a microfinance organization has existed for a long time, has an extensive base of regular customers, it is unlikely that it will issue large amounts of money to people with a bad credit history. But the new MFI, which is just starting its activity, is aimed at development and wants to acquire loyal borrowers. Such a company may be set to receive only the cheapest opinions and issue loans to all people with a bad credit history, but with a score of, for example, at least 2 out of 5.

Human factor and company policy

The second important point is the representation of a financial institution about its client. In one bank, a pensioner is the most desirable client, because they believe that this category of people is the most reliable, and a person will not have problems repaying a loan, and in another, people over 55 are not given loans at all, based on their internal considerations .

Each organization decides for itself the amount of the loan without a certificate of proof of income. In one case, it can be 30,000 rubles, in another - 2,000. The same applies to lending to certain categories of employees, for example, realizing that the country or a certain region has a difficult financial situation and weak demand for the purchase of real estate, the company may make an internal decision not lend to employees of construction companies and real estate agents, predicting their problems with income and default.

Not only older age can be a reason for refusal. Someone gives out funds to people only from 25 years and older, and someone is happy to work with students of all ages.

The third reason is the human factor. A specific manager in the company who accepted the application could make a mistake when entering data and indicate that your income is not 30,000 rubles, as you said, but only 3,000, so the scoring system rejected it. Also, do not forget that you yourself could make a mistake in some data, for example, in the phone number, and that is why the call from the employee with the approval message did not take place.

The fourth factor is the specific situation with money in this organization. At any hint of a crisis in the country, there is an outflow of deposits - people take their deposits, respectively, banks cannot issue loans in the same volume, they simply physically cannot give money to a person, since there is no extra money. The borrower may think that the matter is in his bad credit history and give up, but in fact the whole question is the availability of funds in this particular company.

Where to get money

If absolutely all banks refuse, there are several options left - to borrow from friends or contact the MFI. Friends may not have the required amount of money, or you may simply be embarrassed to contact them. Therefore, the most optimal option is MFI. Especially if you need relatively little money and not for a very long period of time.

Microfinance organizations are more loyal to people with bad credit history and give out money more often. Moreover, we offer for consideration a number of companies that issue the first loan without interest - so to speak, for testing. The list of the most trusted MFIs is below.

Important point! Considering all the information written above, we recommend not limiting yourself to one request, but submitting 4-5 applications to different companies at the same time. If someone refuses due to poor CI, the human factor works in another, then at least one MFI will definitely approve the loan. Good luck!

In this case, he should not count on favorable conditions or even on obtaining any bank loan. If a citizen is denied a relatively small amount, then what can we say about a mortgage or car loans.

What is the main reason banks refuse to take loans?

The fact is that when applying, the bank carefully studies the credit history of the borrower. This happens through special credit bureaus. It is these organizations that have information about the credit histories of citizens. In addition, the bank checks the accuracy of the information submitted to the borrowers. Not the last role is played by the income of the borrower. After all, the bank needs to objectively evaluate your ability to pay off the loan.

The bank may also refuse if the information provided by the borrower is not true.

What to do in this case, if the bank has not approved the application for a loan, and the funds are needed urgently. There are several simple tricks, the implementation of which will automatically increase the likelihood of approval of a loan application.

Application

Apply for a loan online!

If you go for registration, you must immediately be prepared for the fact that your appearance and ability to correctly answer the questions posed will be assessed by bank employees. After all, these signs will be able to tell the employee about your solvency.

If a citizen looks untidy, one will immediately get the impression of the level of his income. Also in the bank, when applying for a loan, you will have to answer a number of questions. In the event that the answers are not correct, this will also reduce the chance of receiving funds.

However, you can avoid this situation by applying for a loan online. This service will greatly increase your chances of getting a loan. Since there is no visual assessment by a bank employee. In addition, you do not need to leave your home and spend time looking for a suitable bank. If one of the banks refuses to receive funds, then without any obstacles you can apply to another bank. There is also an online credit card ordering service.

Online credit card order

Ordering a plastic card online will help to minimize the risks. The main advantages of online:

• There is no visual assessment of your appearance and level of profitability, which significantly increases the chance of getting.
• A credit card, unlike other loans, is easier to process.
• In most cases, credit cards are issued by banks faster than other loans.

In frequent cases, employees correlate real facts with the information provided in the application. For example, the borrower indicated that he works as a house cleaner. However, he has a salary of 120,000 rubles and wants to take out a loan for 1 million rubles. In this case, without any doubt, the loan will be rendered. Indeed, no one will doubt that the information submitted by the borrower is not reliable.

If the borrower indicates that he works as a leading specialist with a salary of about 20,000 rubles, the bank will have no doubts about the reliability of the data submitted by the person. All in all, credit cards are a pretty good way to get cash.

Loan through microfinance organizations

1. Nowadays, the services of microfinance organizations are in great demand among the population and have a number of advantages:
2. In most cases, loan applications are accepted online.
3. The review period is reduced to a few minutes.
4. Loans are also issued to people with poor CI.
5. Regular customers are provided with various bonuses in the form of discounts or the issuance of funds without interest at all.

However, it is assumed that these organizations verify the correctness of the specified data.

secured loan

There are also cases when none of the above suits you for some reason. In this case, bail money may come to the rescue. The procedure, of course, is not very pleasant, because you will have to part with some of your valuable things for a while. If the amount you need is not large and is about 10,000 rubles, you can contact a pawnshop. Microcredit stalls are also common.

However, if you need a decent amount of money, then you will have to mortgage property much larger than real estate or a car.

Bank through which the salary is received

Many banks provide the opportunity to obtain a loan on favorable terms to persons who receive wages through them. This is another way to attract new customers. In this case, you have a chance to get a loan, even with a bad CI.

Credit Brokers

The services of credit brokers are also common. Their task is to select the optimal conditions for obtaining a loan:

1. You contact the organization and fill out a questionnaire.
2. After that, the broker selects the most suitable bank for you and the conditions for obtaining a loan.
3. By contacting loan brokers, your chances of getting a loan are greatly increased.

Online loan exchange

In Russia, this method of lending is quite new, and not many people know about its existence. There are special exchanges where funds are transferred from one individual to another.

To receive money in this way, you need to register on one of these exchanges and indicate the amount you need. It is worth noting that if the debt is not returned, the exchange has the right to sue you and involve a debt agency.

Private borrowers

To do this, you need to find a private person who can give you the amount you are interested in, discuss all the nuances, and then go to the notary and certify the drawn up contract. The term of the loan and the interest rate are negotiated between the two parties.

As we can see, there are no exit situations with the receipt of funds. Even if the bank refused to give you a loan, there are many other ways to improve your financial situation.

Often the bank does not give a loan without even explaining the reason for the refusal. As a result, many borrowers do not know what to do to get a loan approved. This is strange, because the sooner a person corrects himself in the eyes of the bank, the sooner he can become its full-fledged client. Perhaps this article will shed light on your "shortcomings" in the eyes of the bank.

Bad credit history

Everything is clear here. However, some banks may turn a blind eye to minor delays (for example, up to 5 days). In any case, you need to check the history.

Lack of credit history

Even if you have never applied for a loan, you may be denied. This is because the bank does not have your payment history data to analyze how you will pay. Therefore, if other criteria do not meet the requirements, the loan will be denied. And if on the contrary, and even the income quite allows, then they may well approve.

To create a credit history, it is enough to take a small loan and repay it on time.

Willingness to repay loans early

Contrary to the opinion of some, early repayment is not a sign of a good borrower, but vice versa. It is beneficial for the bank to receive interest from payments, and in case of early repayment, they are reduced to a minimum. Yes, banks have programs with possible early repayment, but the contract specifies the moment until which this cannot be done (for example, not earlier than the expiration of 1 year). Also, banks usually impose a commission on early repayment.

If you can't afford to pay several loans or even one, refinance.

Operating loans

Refusal due to existing loans is associated with the probable, in the opinion of the bank, inability to pay them all. It depends on the income of the borrower: if it is not enough even to pay off existing debts, then there is no need to aggravate the situation for you. After all, many take out a loan to pay off the previous one and so go in cycles.

open credit card

Even the banal use of a credit card can affect a negative decision on a loan. The fact is that the bank considers a credit card as an unsecured loan. And if credit card payments, together with expenses, exceed half of income, the bank has no reason to approve the loan, because you simply won’t pull it.

Insufficient income

If the monthly payments on the loan will exceed half of the monthly income, the loan will not be given. In mortgage lending, the total family income is taken into account in calculating solvency, since, as a rule, spouses act as co-borrowers on a mortgage.

Little work experience

The requirements for the minimum length of service at the last place of work are different: some need 4 or 6 months, others need at least 1 year. The bank's logic here is simple: the longer the length of service at the last place of work, the more likely that the borrower will continue to work there and further, receiving a salary with which he will repay the loan. But it also happens that the minimum length of service is sufficient, but job changes are frequent (for example, in 2 years the borrower changed 4 jobs, but worked at each for six months). In this case, the bank will not take risks.

Age

Let's start with the students. Not all banks issue loans from the age of 21 and, moreover, from the age of 18 (usually from 23-24 years old). This is due to solvency, since not everyone at this age works, and a high probability of being drafted into the army, due to which repayment will become impossible for the period of service.

From the age of 18, for example, you can enter into a mortgage with a pledge of the purchased property, which serves as a guarantee of the return of bank funds. At the same age, you can draw up some credit cards and loans.

As for pensioners or people close to retirement, it is important to know that at the time of full repayment of the loan (that is, making the last payment), the age of the borrower should not exceed a certain bar set by the bank (65–75 years). Therefore, if there are problems with age, you need to take a loan for a shorter period.

False information or forged documents

Banks are constantly improving their methods of checking future borrowers, therefore, most likely, they will reveal fake documents or false information. And by the way, can not only refuse a loan, but also prosecute under the article of fraud. This also includes cases when a person leaves different information about himself in different banks.

Conviction and other offenses

If the conviction has not yet been removed, the loan will be denied unambiguously. Also will be refused if there were convictions under economic articles. They can refuse on administrative charges and even on drives to the police.

"Denominations"

They are “nominal directors”, they are also “nominal founders”. These are people on whom dozens of companies are registered, but in fact they do not manage them. Banks keep a list of such "nominal values" and never issue loans to them.

Mentally unhealthy people

The whole point is that such people can say that they signed the loan agreement in a state of insanity, so the court may well recognize such an agreement as invalid.

No landline phone

Some banks include in the requirements for the borrower the presence of a landline home phone. Thus, the bank understands that a person has a place of permanent residence in order to know where to look for it in case of termination or delay in payments.

A more stringent requirement is to have a fixed work phone. After all, any normal organization should have at least one landline phone. If not, it is at least suspicious.

Work at IP

The bank may refuse a loan due to work for an individual entrepreneur, because the risk of closing an IP is higher than a JSC or LLC. This requirement is not always spelled out in plain text, so you need to pay attention to footnotes and small print.

Suspicious firm

In addition to analyzing the borrower, the bank also analyzes the organization in which it works. And if she has a dubious reputation or is not in the best financial condition, then workers can be left without a salary or job.

Own business

When a business owner wants to take out a loan for himself (that is, as an individual), banks are wary, believing that in fact this money can go to the needs of the business. In such cases, it is better to take a non-targeted consumer loan.

questionable status

For example, if the borrower indicates that he works as a manager with a salary of 150,000 rubles, while the average market salary is 50,000 rubles, the bank will have suspicions not so much about the person as about the activities of the organization in which he works. It is possible that this salary will not last long and may drop to the market average, which will affect loan payments.

Wrong purpose for a loan

Given the previous paragraph about business, it is important to understand that if a borrower wants to take a loan for a specific purpose (for repairs, for recreation, for business), then you need to apply to a specific lending program. For example, it will not be possible to take a consumer loan to start a business or a car. For this, there are appropriate targeted programs (in this case, “business loan” and “auto loan”). Banks even have special loans for household appliances, furniture, telephones, computers and more. And for various household needs, it is easier to issue the same non-purpose loan.

Refusals from other banks

If at least 2-3 banks are refused, the next bank will think about it: maybe they didn’t refuse in vain. And without thinking twice will do the same

Appearance

An unpresentable appearance (dirty clothes, tattoos on open areas of the body, a bad smell) may be sufficient reason to refuse a loan. Especially if a person indicated a good position and a high level of income.

Behavior

A shifty look, biting lips, shaking fingers and knees - all this leads to suspicion that a person is either not going to repay the borrowed funds, or is keeping something back about the purpose of the loan.

They still refuse. Why?

In accordance with the Civil Code of the Russian Federation, the bank is not obliged to provide a loan, nor is it obliged to report the reason for the refusal.

There are a couple of interesting points on the video, because of which they may also not give credit:

If the above reasons for refusing to issue a loan do not apply to you, but they still do not give a loan, it makes sense to seek professional help from loan brokers, as well as for errors.