The requirements of Russian banks are becoming softer. Today, it has become possible to issue a loan without collateral and guarantors, without a certificate of income, and even with a slightly spoiled credit history. But is it possible to take out a loan without registration?
Instructions
Step 1
Registration in the city of residence is a mandatory requirement for most banks. Searching for a borrower across the country in case he stops making payments is very problematic for a lender. However, banks issue loans to citizens who have temporary registration. But on condition that the maximum loan term will be limited by the validity period of the temporary registration. Please note that due to the large number of "purchased" documents, the authenticity of the registration will be carefully checked by the bank.
Step 2
If you do not have a temporary registration, contact the banks that issue loans and in its absence. There are not many of them in our country, but they exist. For example, in Moscow this is "OTP Bank", "UniCredit Bank", "Russian Capital", "Absolut Bank". Loans are issued here on the condition that you are registered in one of the cities where the bank has a representative office.
Step 3
Another opportunity to get a loan without registration is Tinkoff Bank, which is not tied to a specific city and operates in almost all corners of Russia. The main feature of this bank is that all work with clients is carried out using the Internet, telephone, traditional mail and through representatives of the bank. You can get a credit card here, even if you live far from your place of registration. But there is one drawback - a very limited loan amount, which can only be increased over time and provided that you use the provided credit limit actively and make payments on time.
Step 4
The alternative to the bank is always pawnshops. Here you will not be asked about registration and will not require documents confirming income - in order to receive a loan, you only need to have a passport and collateral. But, given the high interest rates, it makes sense to contact a pawnshop only if you need a small amount and for a short time.
