How to get a loan without documents

Not every credit organization will risk and give money, without requiring documents from its borrowers who confirm their income. However, there are such financial programs for which it is quite realistic to get a loan without any reference. What are these programs, you will learn from this article.

Currently, banks offer a special loan system called "Credit without income certificates". When it is used, you do not need to provide a certificate of 2-NDFL forms in the bank. In addition, not everyone has the opportunity to take it from his employer. The reasons for this can be different: the refusal of the administration, receiving informal salary, etc. When contacting a bank, which issues money without such a reference, you only indicate your income in the questionnaire. Usually it is not verified.

The conditions here are as follows: the loan amount ranges from 10 to 150 thousand rubles at a loan period of not more than 2-3 years. The interest rate is quite high, since the risk of late loan repayment for the bank is significant. When placing such a loan, you may need a second document: a military or student card, a workbook or a driver's license.

Another type of loan with a minimum number of documents is an express loan. This program requires a passport with a request and another document to choose from - the driver's license, TIN, etc. The decision on this type of loan occurs when a conversation with a potential client. The bank manager usually sets questions about your income, work point and marital status. With adequate responses of failures on the "express loan" practically does not happen.

Such loans are now very popular. They are used to buy furniture, electronics, home appliances and even cars. But there is nothing to rejoice here: on these loans are quite high interest. In addition, there is a risk of overpayment of significant amounts in the form of commissions.

Separate attention is worthy of a loan with a deposit key. Some programs at the conclusion of such a contract provide the borrower the right to issue a credit card on the security of money available on the contribution. The certificate of income of the client in this case is not needed. The reason is simple: with permanent debt, the loan is forcibly repaid at the expense of the deposit.

Most of all brings borrowers who have a VIP status in a financial institution. Such clients have respect and confidence of banks as a result of their "good" behavior. Therefore, for this category of citizens there are separate programs with which the loan is issued at all without documents - by simply signing a loan agreement.