Our website contains a list of banks that are ready to offer only by passport. There is no need to waste time getting a certificate of income from work, finding your military ID or other documents.
You can get acquainted with loan offers and choose among them the ones that suit the conditions and terms directly from your home or office. To get it, you need to use an online application - in this case, the request automatically goes to all banks in the city where you live.
List of banks
We suggest applying for a loan only in reliable and trusted banks, such as "", Alfa-Bank, "Tinkoff", "", "", etc. The list on the site is quite extensive, but you can study it in a matter of minutes.
We also cooperate with microfinance organizations that issue microloans for a short period and at a low interest rate. Among the most popular are "", "", "", "", etc. All of them issue loans only with a passport.
The positive aspects of such lending are obvious:
- speed and ease of registration. As a rule, the decision on extradition is made in a matter of minutes;
- minimum documents;
- saving time;
- high percentage of application approval. Credit history, as a rule, does not play a big role here. Even those who have arrears on previously issued loans can get a loan.
Many banks not only issue cash loans, but also offer a credit card that is delivered directly to your home. Thanks to the interest-free (grace) period, in practice a credit card can be more profitable than a loan. With it you can safely store your money and pay in online stores and shopping centers without any problems.
Do you need a loan with a passport in Moscow? This section contains loan products that are issued with a minimum number of documents. Many leading banks have offers that allow you to borrow funds at various interest rates only with a passport. Every potential borrower can try to get a loan. To begin with, you will only need to submit an online loan application with a minimum of information about you. To do this, simply follow the link to the bank’s website and fill out a short form. Within about an hour, specialists from the banks you have chosen will contact you and call you back to clarify the details and give you an answer.
If your application is approved, all you need to do is come to a bank branch and sign a loan agreement. To apply for a cash loan using a passport in Moscow, no other documents are needed.
Who can get a loan using a passport from Moscow banks?
Banks do not have any special requirements for obtaining a loan using a passport. But still, bank clients who are serviced by salary projects or have a deposit in the bank have the best chance of getting such a loan. And also to persons who have already taken out a loan from a bank and have a positive credit history.
In what cases should you not take out a loan using only your passport?
As a rule, the fewer documents a bank requests to obtain a loan, the more risks the bank includes in the interest rate. Therefore, if you have the opportunity to take a certificate of income, you have friends who are ready to vouch for you, then this is a good opportunity to save money. This is a good alternative to a passport loan in Moscow.
Nowadays, a large number of people have problems quickly obtaining loans from banking institutions. This is due to the long process of verifying identity and credit history, as well as the long list of documents required to obtain a loan.
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And many potential borrowers are wondering how to get a cash loan in 15 minutes using a passport without certificates, is this possible? We will cover this topic in this article.
Conditions of receipt
Banks can issue loans in a short period of time, without any certificates and solely on the basis of a passport, but not every credit institution takes on such responsibility.
Unfortunately, nowadays there are more and more cases when a borrower borrows a certain amount and does not return it either at all or returns it, but after a long period of time. Young banks are happy to lend certain amounts, but at high interest rates.
But there are also ordinary credit institutions that can quickly issue relatively large sums for the borrower, using only one passport. Which banks issue loans on such terms, and what should the borrower do for this?
Let's look at the table of banks and their conditions for obtaining a loan with a passport and without certificates in 15 minutes.
If we consider the conditions for obtaining loans among the proposed banks, it becomes clear that the interest rates for express lending here are very high. If we consider the UBRD proposal, then only one interest rate can drive a potential client crazy.
However, everything is not so simple here either. This bank offers loans at an interest rate of 15%, but then it gradually increases and reaches at least 50%. If the client has a bad credit history, then the percentage rises to 65%.
As for other banks, as a rule, such situations with a sharp increase in interest rates do not arise. But if there are problems with the CI, then obtaining a loan will become impossible.
Video: To your card
Recipient requirements
As for the requirements for potential borrowers, they are minimal. You will only need to have a passport. In this article, we highlight exactly those four banks that have the opportunity to issue their client a certain amount in a short period of time and only according to one document.
In fact, there are other credit institutions with minimum requirements for borrowers, but in some situations they still require the provision of additional documents, may increase interest due to urgency, or reduce the limits available for issuance. It is for these reasons that we do not include these banks in the list.
As for the listed credit institutions, the procedure for obtaining express loans is really fast and hassle-free. Take your passport, go to the bank, wait 15 minutes - and the money is in your hands! True, only if your credit history is clean.
Which banks issue cash loans in 15 minutes only using a passport without certificates?
Currently, there are quite a lot of banks that promise instant issuance of loans on favorable terms with minimal requirements. However, in practice it turns out that this is not entirely true. Rates increase, limits decrease, amounts are refused – many different troubles happen.
But there are trusted banks that honestly issue cash loans in 15 minutes. And note: for this you only need one passport, without additional documents.
Among such banks are even large financial giants, such as Alfa Bank. The rest of the banks are small - OTP, UBRR, Sovetsky Bank.
Each of these banks has its own specific conditions for issuing and requirements for borrowers, but if you take a closer look at them and analyze all the available data, you can draw the following conclusion - the conditions and requirements are similar in many ways, even almost identical.
Despite the fact that you can see completely different information on the official websites of these banks, in reality, in practice, you can see a picture in which all the listed banks will be similar to each other.
How to apply
Applying for a quick loan using a passport can be done in several ways - by submitting an application via the Internet, or by going to the bank in person and submitting an application yourself with the direct participation of a credit manager. Let's consider both procedures.
Applying online is the easiest and most convenient way. Of course, even in this case, you will still have to show up at the bank to get the money and sort out the small details. But still, this will save you from wasting time spent in line.
To submit an application via the Internet, you need to provide detailed passport information, residential and registration addresses, information about past loans, about your family members and employer.
All this is recorded in a standard form, which many banks specifically divide into three stages: first they fill out their passport data, then they write information about the employer and past loans, and at the end they write their preferences about the loan - the amount, etc.
After all this, the form is sent, and after some time the bank manager contacts you to inform you whether the application is approved or not.
The procedure for applying for a loan at a bank branch itself differs from submitting an application online only in that the information is entered in more uncomfortable conditions and by the hand of the credit manager. The loan specialist fills out the application in the same way as you do. Therefore, we will tell you about what happens after the application is approved.
The loan specialist prepares a loan agreement, which specifies all the bank details, as well as your contact information. All conditions, loan amount, interest and repayment schedule are also stated there. You sign, the specialist puts the bank’s stamp - and you’re done, you can go to the cashier and get your money!
Let's summarize.
- We take the passport.
- Submit an online application or go to the bank.
- Fill in the required data (or a specialist will do it for you).
- We are waiting for approval.
- We sign the contract and receive the money.
Package of documents
In our case, there is no question of a package of documents, if only for the simple reason that in the listed banks loans are issued only with a passport.
However, there were special cases when Alfa Bank clients could not get a loan because they required the presentation of a second document to choose from. It can be a driver’s license, SNILS, TIN, international passport, military ID.
But still, in the listed banks, and even in Alfa Bank itself, such cases no longer occur.
So, the package of documents for these banks looks like this:
Loan repayment
Loan repayment is different in each bank. Each credit specialist sets out an individual calculation schedule in the agreement and the amounts in it also vary.
It all depends on the loan amount and the loan term. These two factors are fundamental when drawing up a loan repayment schedule.
There are times when a borrower cannot pay a certain amount on time. If this happens without explaining the reason or in its absence, then the bank has the right to demand that the borrower return the full amount of the loan along with interest immediately, or simply increase the interest on the debt, fining the borrower for negligence.
Most often it is the second situation that occurs. Therefore, you must try to monitor this closely and pay your loan on time.
Advantages and disadvantages
The advantages of this type of lending are, of course, convenience, speed and minimum requirements for obtaining.
All the banks where it is easiest to get a cash loan are collected in one rating. These companies require a minimum amount of documents from their clients. If you submit an application to one of them, you will be able to get a loan using your passport, without proof of income, collateral or guarantors.
Banks that provide loans only with a passport
Banks issuing loans based on two documents:
Passport + identification document of your choice (driver’s license, international passport, education diploma, pension certificate, etc.)
Some banks issue a loan without income certificates only on the condition that the client has provided two, rather than one, documents for identification: a passport (required) and another identity card of your choice. This may be the borrower’s foreign passport, driver’s license, pension certificate, higher education diploma, etc.
Banks where you can get a credit card using your passport
Even easier and faster than a consumer loan, you can apply for a credit card in one of the popular Russian banks. Credit cards with a passport are not issued everywhere, and the terms of service may differ in different companies, so for convenience, we have collected the top best credit cards, which can be obtained, again, with one document and on fairly favorable terms, but urgently and without refusal.
Credit cards by passport
Which bank is better to take out a cash loan using a passport?
You will find all banks that provide loans using a passport in our rating. Only these companies really provide the opportunity to apply for a loan using one document without proof of income, without guarantors or collateral. In other institutions, the chances of getting a loan without certificates are extremely small. It’s up to you to decide where exactly it’s best to go. The main thing is to carefully study the lending conditions and submit an online loan application to the bank that offers the most favorable tariff or which has the most loyal requirements for borrowers.
Otkritie Bank - loan only with passport
If you want to get a loan using your passport, and your monthly salary is at least 15,000 rubles, then you should submit an application to Otkritie Bank. Documents confirming your income level are not needed here. True, sometimes the bank can request them on an individual basis: it does not have to be a certificate of income - it can be a foreign passport, salary account statement, PTS or STS.
Lending terms:
- Loan rate per year - from 9.9% to 24.3%.
- The decision is within 2 days.
Any citizen of the Russian Federation aged 21 to 75 who is officially employed and registered in the region where the bank operates can take out a loan using a passport.
Online application for a loan at Otkritie Bank:
OTP Bank - online loan using a passport with restrictions on the amount
At OTP Bank you can get a loan without certificates, but only if you issue an amount equal to 300,000 rubles or less. Otherwise, a certificate of income will be required. If you are satisfied with this amount, then you can easily get by with one document - your passport.
Lending terms:
- Loan amount - from 15,000 to 300,000 rubles ( up to 4,000,000 rub. with income certificate).
- Loan rate per year - from 14.9% to 38.4% (from 11.5% to 20.09% after confirmation of income).
- The solution is from 15 minutes.
Any Russian citizen from 21 to 69 years old who has officially worked at his last job for at least 3 months and receives a stable income can take out a loan using a passport. If you have additional documents, an individual entrepreneur over 25 years old can also apply for a loan from OTP Bank.
Online application for a loan at OTP Bank:
Renaissance Credit Bank - loan based on one or two documents
At Renaissance Bank you can get a consumer loan using a passport, but some categories of clients will have to provide other documents. - a second identification document (for example, a pension certificate), and for those who need it - a certificate of income from the place of work and a copy of the work book.
Lending terms:
- Loan amount - from 30,000 to 700,000 rubles.
- Loan rate per year - from 9.5% to 24.5%.
- The loan period is from 2 to 5 years (24–60 months).
- The solution is in 5–15 minutes.
All residents of the Russian Federation with registration in the region where the bank operates, aged from 24 to 70 years, with work experience of more than 3 months and a monthly income of 8,000 rubles can count on loan approval. (for residents of MSK - from 12,000 rubles).
Online loan application at Renaissance Bank:
Tinkoff Bank - loans using your passport with home delivery
At Tinkoff Bank, you can get a loan online using your passport, regardless of how much you borrow and under what loan program. The approved amount of money is credited to a personal debit card, which the bank courier will deliver to the client’s home and issue after signing the agreement.
Lending terms:
- Loan amount - from 50,000 to 2,000,000 rubles.
- Loan rate per year - from 12% to 24.9%.
- The loan period ranges from 3 months to 3 years.
- The solution is in 5 minutes.
The bank issues, but mainly to those who are officially employed and receive a stable income. A mandatory requirement is also permanent registration in Russia.
Online application for a loan at Tinkoff Bank:
Which bank is better to apply for a loan using a passport and a second document?
If a bank does not give a loan using a passport, this does not mean that in order to receive a certain amount of debt you must have a certificate of income with you. You may well limit yourself to two identification documents: just take with you, in addition to your civil passport, another identification document. The second such document can be (optional):
- international passport;
- driver's license;
- pensioner's ID;
- Diploma of Higher Education;
- SNILS and/or TIN;
- military ID, etc.
You will also find all the banks that provide loans using a passport and another document without certificates in our rating.
Sovcombank - loan with passport and another identification document
Sovcombank has many different tariffs that provide for issuing a loan using a passport and a second identification document. In this bank you can get the required amount on truly favorable terms and with virtually no refusal.
Lending terms:
- The loan amount is from 5,000 to 400,000 rubles.
- Loan rate per year - from 8.9% to 13.9%.
- The loan period ranges from 5 months to 5 years.
- The solution is within a day.
Cash loans are issued to citizens of the Russian Federation who have permanent registration, a stable income (from 30,000 rubles per month) and a work experience of at least 4 months. All persons between 20 and 85 years of age who meet these requirements are eligible for approval.
Online application for a loan at Sovcombank:
Alfa Bank - loan based on two documents without proof of income
Alfa Bank does not issue loans using a passport, but if you provide two identification documents, there is a chance to borrow money on favorable terms. A certificate of income is requested extremely rarely: as a rule, in cases where the borrower has a short work history.
Lending terms:
- Loan amount - from 50,000 to 5,000,000 rubles.
- Loan rate per year - from 9.9% to 23.49%.
- The loan period is from 1 to 5 years (12–60 months).
- The solution is from 2 minutes.
Those citizens of the Russian Federation who have permanent registration in Russia, are officially employed and receive an income of 10,000 rubles can receive a cash loan from Alfa Bank. monthly. The borrower must be at least 21 years old, have at least a minimum work experience and a normal credit history. , as well as to persons registered as individual entrepreneurs, is not issued.
Online loan application at Alfa Bank:
Vostochny Bank - cash loan using passport and SNILS
The Eastern Bank has programs that provide for issuing a loan using a passport, however, a high probability of approval of an online application awaits those who provide two identification documents - a civil passport and SNILS.
Lending terms:
- The loan amount is from 25,000 to 3,000,000 rubles.
- Loan rate per year - from 9.9% to 24.9%.
- The loan period is from 1 to 5 years (13–60 months).
- The solution is within a day.
An application for a cash loan will be approved by persons with permanent residence in Russia in the region where the bank operates, aged from 21 to 76 years and with a work experience of at least 3 months. For borrowers under 26 years of age, additional requirements apply: work experience of at least 12 months and documentary proof of income.
Online application for a loan at Vostochny Bank:
Which credit card is better to get?
Many banks issue credit cards using a passport, but the best offers from Russia are presented in our top. These are the most profitable cards, which are also the easiest to obtain.
Alfa Bank 100 days without interest - the best credit card for your passport
Among Russian credit cards, this is considered one of the most popular, since it is extremely easy to obtain, and the conditions combine all the advantages of other competitors. To apply for a 100 days without % card, you only need a passport.
Terms of use of the card:
- The interest rate for using credit funds is from 11.99% to 39.99% per annum.
- The duration of the grace period when the rate is 0% is up to 100 calendar days.
- The cost of card servicing is from 590 rubles (paid annually).
- The solution is within 15 minutes or more.
A credit card is issued with a passport from the age of 18, but the borrower must have a regular income of at least 5,000 rubles per month (for MSK - from 9,000 rubles), and work experience of more than 3 months at the last job. There is no need to confirm this data with documents, but if you have a certificate of income and/or a copy of your work record book, you can increase your personal credit limit or reduce the interest rate on an individual basis.
Online application for a credit card at Alfa Bank:
Tinkoff Platinum - credit card with passport without refusal
The most popular credit card at Tinkoff Bank is Tinkoff Platinum. This is due to the fact that it is extremely easy to obtain. You need to submit an application through the website and wait for the courier to arrive, who will bring documents for signing and the card itself. Show your passport and receive a credit card in your hand.
Terms of use of the card:
- Credit limit - from 50,000 to 300,000 rubles.
- The interest rate for the use of credit funds is from 12% to 29.9% per annum.
- The cost of issuing a card is 0 rubles.
- The cost of card servicing is 590 rubles (paid annually).
- The solution is immediate.
A credit card is issued to all citizens of the Russian Federation from 18 to 70 years old, but only on the condition that the borrower has an official (or unofficial) source of permanent income.
Online application for a credit card at Tinkoff Bank:
Opening an Opencard - a credit card using a passport and a second document
At Otkritie Bank you can apply for a credit card if you have a passport and another document (foreign passport, STS or PTS). Confirmation of income with a certificate from your place of employment is not required.
Terms of use of the card:
- Credit limit - from 50,000 to 500,000 rubles.
- The interest rate for the use of credit funds is from 19.9% to 29.9% per annum.
- The duration of the grace period when the rate is 0% is up to 55 calendar days.
- The cost of issuing a card is 0–500 rubles (paid one-time).
- The cost of servicing the card is 0 rubles.
- The solution is from 2 to 5 days.
Only officially employed persons aged 21 to 68 years, whose income is at least 15,000 rubles, can receive a credit card. per month.
Online application for a credit card at Otkritie Bank:
Despite the large selection of credit institutions, in reality it is difficult to find a bank where you can take out a loan using a passport or even without additional certificates.
Where else can you get a passport loan on the same day of application?
If for some reason a bank loan is not suitable for you: you are denied, you do not have enough documents, your age is not suitable, you have a bad credit history, or you just urgently need a loan for a small amount, then in this case you should contact microfinance companies that issue microloans .
In an MFO (microfinance organization), loans are issued online, without visiting an office, being tied to a specific city, and only with a passport, without a certificate of income, length of service, guarantee or other difficulties with documents.
3 companies that provide online passport loans
2 companies that provide loans using your passport and SNILS online
But you need to understand that microloans charge high interest rates for using a loan and are suitable only in case of urgent need for money; in any other case, you should consider only those banks (from the list above) that issue cash loans using a passport, and, most importantly, under low percentage.
Currently, there are not many banks left that issue loans using a passport. Such programs, as a rule, have a number of features: issuance occurs in a short time - from half an hour to one day, the potential borrower only needs a passport, the amount and period are small, the interest rate is high.
Where can I get a loan with just a passport?
It is very difficult to independently analyze the entire market of banking products; it will take a lot of time. You can look for information about where you can get it only with a passport, on forums on the Internet or ask your friends. But the easiest way to find out which bank you can receive money from is by looking at this page.
Here we have collected all the most interesting offers for you. You can not only familiarize yourself with their terms in detail, but also apply for a loan if you wish. To do this, you just need to submit an online application.
Who can take it?
Before you start filling out the application, carefully read the bank's requirements for the borrower to understand whether you can get it. Banks usually impose requirements on the borrower’s age, place of permanent or temporary registration, length of service in the last place, as well as overall work experience. In addition, some banks require a positive credit history for a borrower who wants to borrow funds using a passport.
