To obtain a cash loan, they often require a certified copy of a work book. However, if for some reason you cannot provide it, there are banks that are ready to cooperate on such conditions.
Instructions
Step 1
Contact a bank that does not require proof of employment when receiving a loan. Usually, such opportunities are available to financial institutions dealing with express lending. For example, household appliances on credit can be purchased if you have only a passport from your documents. Banks work directly on the territory of shopping centers and in household appliances stores. Come to a similar store and apply for a loan. You can fill in data on work from memory, without documentary confirmation.
Step 2
To obtain a cash loan, find a bank that agrees to issue it without a copy of the work book. Such applications are accepted by banks "Russian Standard", "Sovcombank" and others. They do not need a certificate of income or a copy of the work book. If you can provide proof of salary, your task will be simplified. A large number of banks will agree to consider the application - for example, "Investbank" and others. Also, a number of banks will not require a copy of the work book when applying for a loan to pay for tuition. You may not work at all, but there must be a guarantor who can confirm regular income. Such a loan is provided by Sberbank.
Step 3
Come to the selected bank and fill out the loan application form. In addition to a civil passport, you must have a second document with you - a driver's license, a passport, a certificate of pension insurance, a military ID. Additionally, you can provide documents confirming your solvency - income statement, tax return, certificate of ownership of an apartment or car.
Step 4
Wait until the decision on the loan application is made. For an express loan, the processing of documents usually takes from one hour to one day. When approving the application, sign the loan agreement after reading it carefully. Get a second copy of the agreement and the payment schedule, and then the money itself - in cash or on a card.
