Nowadays, the choice of a payday loan and the application is not a big problem. A large number of banks offer various types of loans for all segments of the population. However, to make the right choice and calculate the amount of monthly payments, you need to still at the stage of finding a loan offer.
The question of choosing a creditor bank is not as simple as it may seem at first glance, although the credit market is full of offers and advertising slogans attract people like a magnet. You should always look for the most optimal conditions and providers can provide such conditions.
Providers offers a payday loan in just two documents, and the ability to submit an online application without leaving home makes this offer one of the best among many. You do not have to postpone the necessary treatment or a long-awaited purchase for later.
Payday loan terms
– annual loan rate: from 24.9%;
– loan amount: from 10,000 to 600,000 rubles;
– juice loan: 6-60 months;
– loan without collateral and guarantors;
– Monthly fee for loan servicing: not charged;
– Commission for granting a loan: not charged;
– Commission for early repayment: not charged.
Requirements for payday loan borrower
In order to issue a payday loan, providers makes the following requirements to its borrowers:
– be a citizen of the Russian Federation;
– have a permanent source of income;
– be registered in the region of the loan;
– live (have a mailing address) in the region of the loan;
– have a good credit history;
– your age from 18 to 68 years.
Documents for a payday loan in providers
If you are suitable for all requirements, as a borrower, then you can begin to prepare documents for processing a loan in cash at providers Bank. The list includes:
Passport of a citizen of the Russian Federation and one document to choose from the list:
– driver’s license;
– pensioner’s ID;
– international passport;
– Insurance certificate of state pension insurance.
If the loan amount exceeds 301 000 rubles, it is necessary to submit one document on solvency from the list:
– the original statement of salary / current account of a bank customer for the last 3 months;
– the original title of the PTS or Certificate of registration of the vehicle in the name of the client;
– CASCO insurance policy, the beneficiary for which is the Client, in the amount of coverage of at least $ 5,000, valid for at least 3 months from the date of filing the Application for opening bank accounts;
– the original of the Client’s passport with passport control stamps confirming the fact of traveling abroad during the last 12 months;
– the original (for verification) and a copy of the certificate of state registration of the Customer’s ownership of residential or non-residential real estate;
– The policy of voluntary medical insurance, relevant at the time of the loan.
To obtain a loan for non-working pensioners, you must provide a Russian Passport and Pension Certificate.
Online application for a payday loan
In terms of the popularization of various online services, it is not surprising that in order to apply for a payday loan at providers Bank, it is now enough to fill out a questionnaire on the official website of the bank and this can be done without visiting the office and waiting in queues.
Filling out the questionnaire is extremely simple, following the instructions and prompts posted on the bank’s website, specifying personal data, place of work, average monthly earnings and documents that the borrower can provide.
Processing of incoming applications occurs in a short time. A consultant of the Bank will contact you to confirm the application. During a telephone conversation, you can clarify questions of interest, as well as provide additional information that may be important in making a decision.
If the Bank decides in your favor, you will need to visit the office to sign the loan agreement. This procedure also takes a little time.
Nowadays, it has become so simple to receive the necessary amount that the limitations of financial opportunities lose their boundaries. It is important to remember only that the loan taken must be repaid regularly, avoiding delinquency. Banks always go to meet their customers and are ready to provide a deferment of payment on the loan, so we recommend having this option as a backup. Otherwise, an unfair borrower is threatened by communication with collection services or court proceedings. That is why before applying for a loan you need to properly assess your financial capabilities.