A loan broker is an intermediary between a bank or another credit institution and the borrower. The broker works for a fee and assists in obtaining a loan / loan on favorable terms for the client. In the context of the crisis and tightening requirements for potential borrowers, banks are more loyal to customers who are "brought" by partner brokers. This is understood by the borrowers themselves, so the market for intermediary services continues to grow. It is quite difficult to choose a suitable and honest broker in such a variety. We have made a selection of brokerage companies in Moscow, which enjoy the greatest trust among clients.
Trusted credit brokers in Moscow:
MBK - brokerage company, which provides assistance in obtaining a loan to legal entities and individuals. The main activity of the organization is to consult borrowers and select the best loan products:
- Cash loans
- Refinancing
- Credit cards
- Auto loans
- secured loans
- Mortgage
- Credit history check
The specifics of the organization's work lies in the "rebranding" of the client. That is, the broker fully checks the client (CI, documents, work experience, credit load, employer organization, etc.) If any problems are identified, the broker advises and suggests what needs to be improved and what to fix % get a loan.
If we talk about remuneration, then it varies from 1-3% and depends on the complexity of the task. The commission is paid upon receipt of cash by the client.
Broker Credit laboratory.
Credit Laboratory is the oldest credit broker in the Moscow market. Thanks to its own automated system customer checks, specialists Credit Laboratory can assess the chances of obtaining a loan online, or by phone. If you plan to get a loan urgently, you should contact here, as this particular loan broker offers a unique lending program: Cash loan from 1,000,000 rubles at 21% per annum in rubles on the day of application. The second area of activity is mortgage brokerage, thanks to discounts on the bank's rate, they offer a mortgage for a primary at 8% and a secondary at 10% per annum in rubles without proof of income and with a bad credit history.Credit broker Msk-money
msk-money - loan broker Assistance in obtaining a loan in Moscow and major cities Russia
On the brokerage market since 2016. Renders professional help choice of loan products. To do this, first of all, he conducts high-quality consultations for his clients. Never, under any circumstances, does not require an advance payment from its customers. Operates strictly according to the law. Ready to help anyone who asks. The main directions: express lending to individuals, pledge and mortgage. Commission after the work done!
- Express loan for passport in 1 hour
- Loan secured by real estate in 1 day
- Urgent redemption on the same day
- Mortgage in 7 days in Moscow and Mo
- Credit for legal entities within 3 days
- Same day car loan
First loan broker
The 1st Loan Broker has been providing professional lending services for over 10 years. During the entire period of activity, it demonstrates stability and high level professionalism. Our motto is continuous development. We never stand still and find a way out of any difficult situation, which is why we are reliable partners.
Specializes in assisting in obtaining a loan of any kind. With us, you can not worry about the purity of the transaction. Each loan application is secured by an agreement, prepayment and hidden fees are completely absent. Is an official credit broker, assists in obtaining a loan in Moscow and the Moscow region for individuals, for various purposes in a short time
We will select the best loan product for you:
- cash loan from 9.9% per annum
- mortgage lending from 9% per annum
- refinancing
- real estate loan
- credit history check
Finance Credit
Finance Credit - "experienced" brokerage company in this market, offers individuals and legal entities assistance in obtaining a loan on favorable conditions(mortgage, express loans, customer credit without certificates and confirmation, car loan, on-lending, secured loans). The broker is more likely to assist in obtaining a loan, knocking out more favorable conditions, rather than completely conducts the transaction from A to Z.
For its services, the company takes a fee upon receipt of money by the client, the minimum cost of services starts from 7% of the loan amount and depends on the complexity.
Royal Finance
Royal Finance (Royal Finans) - provides consulting services, assistance in the selection of more profitable loan and paperwork. This broker does not have a specific specialization and specialists are ready to help with any type of loan, from an express loan on the 1st document to a mortgage.
The broker's website has an interesting test scoring that determines the credit rating of a potential borrower with detailed explanations. The company also provides consulting services to debtors of banks, assumes the authority of the borrower's representative in dealing with collectors and bank security services, even in court, if necessary. A kind of anti-collection agency and broker all rolled into one. The remuneration is paid by the client only after receiving the loan.
MSK Credit
MSK Credit is a brokerage company providing consulting services, selection of profitable credit programs assistance in preparing documents and submitting them to the bank. Individuals and legal entities who want to get a consumer loan, mortgage, cash loan without references, secured loan, car loan, refinancing.
Distinctive feature this broker is to help borrowers with a damaged CI, the unemployed, people in a difficult situation. The site has an interesting online questionnaire, by filling out which you can find out the probability of loan approval for each client.
Capital lending center
The Capital Credit Center is a relatively new broker on the market, offering its clients assistance in obtaining a loan in the amount of 100 thousand to 50 million rubles. CCS provides assistance in obtaining cash loans, business development loans, secured loans, and mortgages. Collaborate with major regional banks and highly specialized Moscow financial institutions (Alfa-Bank, BZHF, Uralsib, ITB, RosEvroBank, etc.)
The help of a broker consists in the selection of several programs that meet the conditions of the client and his CI, personal data; correct filling of documents, consultations at different stages, transfer of documents to the bank.
The broker's remuneration varies depending on the complexity of the task and starts from 1.5% of the loan amount, but not less than 10,000 rubles.
Proffinance
Proffinance (proffinans) - financial group providing consulting services and assistance in obtaining loans of various kinds:
- Commercial, residential mortgage
- Business loans
- tender lending, bank guarantees without collateral
- Consumer loans, car loans, pawnshop loans, mortgage loans, etc.
In addition, Proffinance provides assistance with leasing, factoring, buyout of distressed assets, real estate services, appraisal and insurance, etc.
Premium Finance
Premium Finance, one of the oldest players in the intermediary services market, offers potential borrowers assistance in obtaining the following loan products:
- Large consumer credit up to 3 million rubles.
- Loan for small business without collateral and loans for medium-large business with collateral
- Overdraft, factoring
The list is not large, but it is enough to meet the needs of their borrowers. The company does not work with clients with bad credit history, indebted borrowers, the unemployed. The specifics of the work lies in the full conduct of the transaction, from the selection of the optimal loan to the receipt of cash by the borrower. Payment upon approval of the application.
Credit Assistance Service (LSC)
SSK is the largest federal broker in Russia with offices in Moscow, Yekaterinburg, Chelyabinsk, Novosibirsk, Omsk and Krasnoyarsk. The broker provides not only consulting and intermediary services, but also accompanies the entire process of obtaining a loan (selection of options, recommendations for raising the status of the borrower, contacting the bank, filling out paperwork, collecting documents, transferring them to the bank).
Assistance through the CSC can be obtained if it is necessary to obtain a consumer loan, an express loan or a cash loan, or a card with a limit. The company also provides credit check services.
Credit Center
A credit agency is a company that provides loans to individuals or business organizations. The difference between credit agencies and banks lies in other interest rates on, as well as in various conditions for taking a loan: credit agencies can issue loans cash even to those persons whom the bank considered unreliable and insolvent.
Functions of credit agencies
Consider the main functions of credit agencies, which are distinguished by modern economics. Of course, the first function will be the issuance of loans to the population or companies of various kinds. There are three types of agencies: the first work only with individuals, the second - only with legal ones, the third - with both. Depending on the status of the debtor, the laws governing taking out a loan will be different.
The second important function of credit agencies is to advise a potential client on lending issues. In credit agencies, specially trained employees explain to people who want to take a loan the possible conditions for drawing up contracts, answer questions about the consequences of delayed payments, and provide comprehensive information about possible benefits. Informing increases the likelihood that they will not refuse to take a loan directly from a private organization.
The third function of any credit agency is to carry out the procedure for taking a loan: the agency independently draws up necessary contracts, acts as an intermediary in the event of a tripartite credit operation(if the lender is not an agency, but a third party), ensure the fulfillment of the conditions stated in the contract. In the event that the debtor or creditor fails to comply with the terms of the transaction, or (in case of bilateral lending) in cases where the debtor violates its obligations, employees of the credit agency prepare an appeal to the court on their own.
The fourth function relates to macroeconomics - credit agencies increase the general degree of public awareness of available financial opportunities. Thanks to the legal advice that potential clients receive in agencies, the overall level rises financial literacy population. Many economists note the important role of this process in the well-being of the economy of a particular state.
The services of credit brokers are becoming more and more in demand due to the high number of loan refusals. Such specialists give worthwhile advice on financial matters, and also help to take money on more favorable terms.
How to choose the right broker?
To choose a broker, cooperation with which will be fruitful, use the following tips:
- The first thing you should pay attention to is reputation and reviews. Important indicator- this is the presence of its own website, where the services are described in detail. A plus will also be the presence on the site of a feedback form and documents confirming that the company has the right to engage in such activities.
- Before starting cooperation, check with the broker what services you will be provided with. If you are promised a quick result on correcting your credit history, then most likely you are scammers.
- Ask more questions and read the contract carefully before you sign it.
- It is best to certify the signed contract with your notary, and not with a specialist that a broker can offer you.
Attention: eIf the broker requires an advance payment or does not fulfill the obligations assigned to him, sue.
What to expect from a broker?
A mortgage broker will provide you with the following services:
- grade credit rating client;
- collection and execution of all necessary papers;
- selection financial program;
- interaction with the bank;
- calculation of payments;
- assistance with the application.
The broker is an intermediary between you and the bank and its main task is to arrange a loan for you on the most favorable terms. If you refuse to give you a loan, the broker can contact banking organization independently and find out the reasons for the impossibility of issuing funds.
Attention: a professional financial worker knows a lot of combinations of great deals and will always suggest the correct option.
A competent employee will easily find out the credit history of his client, evaluate the strengths and weak sides, will help to make the right accents, explain all the pitfalls of banking financial programs, draw up all the necessary documents.
Let's figure out what stages you will have to go through when interacting with a broker. After the telephone consultation, the following steps will take place:
- Collection required documents and a visit to the office of the selected company.
- Verification of documents by the manager of the organization.
- Work with a personal manager until the deal is closed.
- Comprehensive selection of a financial program based on the information provided by the client (documents, reports from the credit bureau). The program is compiled taking into account the wishes of the applicant (rates, terms and other additional conditions).
- Conclusion of an agreement and sending an application to the bank of interest to the client.
- If the loan is approved, then payment for the services of a broker (the percentage is individual for each).
Attention: it is not always possible for a loan broker to “knock out” a loan for you. There is always a chance that you will be left without the desired loan.
Which brokers in Moscow are the most reliable?
In Moscow, there are several dozen credit brokers who really help to get a loan. The table provides the top 10 loan brokers and gives reviews in the form of the main advantages and disadvantages that users have identified. Let's look at the list of the most reliable:
| Broker | Advantages | Flaws |
| MBK Credit mbk-credit.ru |
An experienced company cooperating with many banks, fast processing and low interest. | Bank support may call and offer additional services. |
| Credit Consulting Brokerage creditcb.ru |
Transactions on consumer loans, help to properly arrange tax deduction. Opportunity to get a loan secured by a car, real estate during the day (hour) and without collateral. | Long processing of online applications. |
| CFC - Finance cfk-finans.com |
Large selection of services largest banks in affiliate program. There is a possibility to get consumer credit without specifying the purpose of the loan | Collaborates only with those who have a satisfactory credit history. |
| Royal Finance royal-finance.com |
Online help with all documentation. The company's website has a test for the borrower, which helps to quickly determine the CI. | Some experience in the market. |
| Finance Credit finanskredit.ru |
They cooperate with everyone (individuals, individual entrepreneurs, LLC) help to get a loan for any amount. (+) If a loan is taken on security, then it is issued in 1 hour, it is also possible to get a loan without collateral |
If the transaction is complex, they take a higher percentage. |
| MSC credit mskcredit.ru |
It helps to get a loan for the unemployed or applicants with a damaged credit history. | Difficulties with feedback. |
| SSK (Capital lending center) clc-credit.ru |
Reward from 1.5%. A high review rating of 4.7 by Yell. | A small selection of partner banks. |
| ProfFinance pfcredit.ru |
There is a license. Specialists draw up commercial and residential mortgages, business loans. Add. services — work with leasing and redemption of commercially unattractive assets. | They do not work with every credit history. |
| Premium Finance premium-finance.com |
The most detailed consultations as you go along. They work with reverse factoring. Possibility of online application. There is a license. | The loan amount is limited. Help to get a loan within the average amount. |
| CSC (Credit Facilitation Service) 1sibkredit.ru |
One of the largest brokers in the Russian Federation (operates in 13 regions). Long time on the market. The ability to send an online application and apply for a loan using a passport | With a delay on previous loans, it is difficult to get a loan. |
As you can see, each broker has its own characteristics: if prompt feedback is important to you, then you should not contact MSK Credit, and if you do not have a very good credit history, then when contacting SSK and ProfFinance, you may refuse to cooperate.
Frequently asked Questions
Question number 1. What loan brokers help to get a loan with delinquency?
We can distinguish the following brokers helping to obtain a loan with open delinquencies:
- MSC credit (issue up to 30,000 rubles. consideration time 15 minutes, only a passport is needed);
- Credit Broker Private Notice Board This resource is suitable if the loan amount is in the range from 300,000 to 5,000,000 rubles. There are also offers for Moscow and regions.
- Central brokerage house (issues loans in the city of Moscow and the Moscow region, the amount of 300,000 is the need for a pledge of real estate). They work with 25 banks, the approval rate is 88%.
Question number 2. Where can I see reviews of credit brokers?
Reviews on the activities of brokers can be viewed on the website → yell.ru. Below are excerpts and user opinions ⇓
