Which organizations do not check credit history. How do you get a loan if your CI is bad

Each banking organization in Moscow forms a whole list of requirements, according to which they consider applications from customers. Credit history remains the main factor for most credit organizations.

For this, Russia even has a credit history bureau. What individuals are included in this database? In fact, there is information about all the clients of banks in Moscow, St. Petersburg and other Russian cities who once took loans or loans. If a person borrower returned the funds on time, then he gets into this list as a potential conscientious client. Accordingly, and vice versa - if the borrower has delays or outstanding debts, then he falls into the list of persons with a bad credit history.

It is up to each individual organization to decide what actual data on clinical trials are acceptable. However, there is a list of organizations that issue loans and loans to their customers without checking credit history. For those residents of Moscow who are included in the part of the list with unscrupulous borrowers, it will be important to find out the name of the banks and get an answer to the question: “Which banks do not check their credit history?”.

List of banks that do not check credit history in Moscow 2018

To find out which banks do not check credit history in Moscow, you need to analyze all the information. First of all, the probability that money will be issued to customers with a bad credit history is taken. Secondly, we take into account the feedback from the clients of the borrowers, whose appeals exist and accumulate on the Internet. At the moment, the list of organizations issuing loans is as follows:

• Renaissance;
• Russian standard;
• Trust;
• Tinkoff;
• Perminvestbank.

What conditions do the banks included in this list impose on the residents of Moscow? For example, in the Renaissance, it is imperative to include a certificate of permanent income in the list of documentation. To become a client of the Russian Standard for people with poor CI, it is necessary to provide a deposit. The Trust has the least requirements - here they give out money even with a bad CI only if you provide a passport and a code, but the financial conditions are not the most favorable, plus sometimes this organization temporarily suspends issuance.

In Tinkoff, there is a probability of failure, but it is still much lower than that of other banks from the list with a high reliability rating. What are the features of Perminvestbank? In order not to check the CI, employees need to bring a large package of documentation with proof of income.

Banks that do not check credit history in St. Petersburg

What are the differences for residents of St. Petersburg compared to clients from the city of Moscow? There are practically none. The same banks operate in St. Petersburg: Renaissance, Russian Standard, Perminvestbank, Tinkoff, Trust. And just like in Moscow, there remains the option of microfinance organizations. The list of microfinance organizations that do not check credit history is much wider. Which MFIs are included? Basically, the list consists of the following organizations:

• E Loan;
• Home Money;
• Vdolg.ru;
• Migrcredit;
• Manimo.

All these microfinance organizations practically do not check the data from the CBI and issue money faster. Also, their advantages include a smaller package of documentation and fewer requirements for borrowers. What are the disadvantages of MFIs? The main one is a high interest rate on a loan - from 0.5 to 2% per day.

In addition, there are banking and microfinance organizations that improve CI. Thus, you can kill two birds with one stone: get money without checking the information from the BKI and improve the CI. Such MFIs as Platizza, Your Loan, MangoMoney kindly provide an opportunity to correct the CI. There is a similar offer in Sovcombank. There you can get from 5 to 10 thousand rubles for 3-9 months at 40% per year.

Reviews about Banks that do not check credit history

Most potential borrowers, before taking money on credit, are interested in what reviews I have on the network about various credit organizations. Particularly relevant reviews are those that relate to those companies that do not check the CI. What are the pitfalls and disadvantages of companies that are ready to give out money without checking the CI? This is of interest to many borrowers.

According to reviews of all banks in Moscow and MFIs that do not check CI, approximately the same shortcomings have formed. For example, many clients highlight insufficiently professional service. There are also a large number of hidden fees. However, this is not difficult to explain - turning a blind eye to the data from the CI, the company takes a big risk of working with a borrower who may be unscrupulous. In return, she offers less favorable terms.

The question of which banks do not check credit history may be of interest only to a borrower who previously took a loan, but did not fulfill his obligations in good faith in accordance with the terms of the agreement. In the future, the path to the bank will be closed to such a borrower, because if there is a negative credit history, it will be very difficult to get a cash loan from a financial institution. However, given the development of the financial system of our country, there are several options for obtaining a consumer loan with a bad credit history.

List of banks that do not check credit history

It is not worth reassuring potential borrowers, and it must be said right away that today there are practically no banks that do not check credit history. We will list below the list of financial institutions that close their eyes to the financial reputation of the borrower, because there are still such lenders in Russia, but it is not worth saying here that they do not check the dossier at all.

Please note that each creditor cooperates with a credit history bureau and there are only 15 of them registered in the register in our country. Each bank sends a request and sends information only to the bureau with which it cooperates. But some especially large banks have agreements with several bureaus at once.

If we conclude from the above, that there is at least a small chance that the financial institution will not get to your dossier. This, of course, does not apply to such banks as: Sberbank, Gazprombank, VTB24 and other large banks in our country. If you have a damaged credit history and you are counting on getting a loan, then you should first of all turn your attention to small banks that do not check your credit history. Of course, they formally check it, but still cooperate with the borrower, since the terms of the loan agreement will be extremely beneficial, first of all, for the lender.

Loan with bad CI

To begin with, advice to borrowers: you should not count on the fact that the bank will not check your credit history, because this is unlikely, because when applying for a loan at the end of the questionnaire you will find a clause that you give written consent to the processing of your personal data. This already indicates that you agree in writing to check your credit history. If you do not check this box, then, in fact, you have not given the bank permission to check your credit report, and this may already be a reason for denial of credit. Do not despair, because there are enough lenders in Russia who will give you a loan, even if your credit history is damaged, among them:

• Binbank;
• Home Credit Bank;
• Renaissance Bank;
• Tinkoff Bank;
• Russian standard;
• Probusinessbank.

However, you should not rely on the fact that you will receive a loan in one of the above banks, because there are a few more nuances, namely, it is worth studying in which cases the credit history is considered bad, and in which it is completely spoiled. After all, it also depends on whether they will give you a loan or not.

What does bad CI mean?

In most cases, a bad credit history for a borrower is a delay in loan payments in the past. But for a lender, delays of up to 7 days are not significant, this applies to large banks, such as Sberbank VTB24 Gazprombank and others, respectively, they are ready to cooperate on favorable terms with borrowers who in the past did not allow a delay of more than 7 days.

For other banks, overdue debt for up to 3 months does not play a role. Accordingly, if in the past you took out a loan and allowed a violation of the payment schedule for up to 90 days, then you still have a chance to get a loan, however, the loan conditions will not be the most favorable, the interest rate can reach 40% per year and higher.

Some banks may consider only the latest entries in the credit history, even if they chose, for example, not a loan from a bank, but a loan from an MFI, and more than once, and repaid on time, which means that the borrower has already improved. Accordingly, even if in the past you were unscrupulous borrowers, but there are records in the dossier that indicate that you have corrected yourself, you have every chance of getting a bank loan, however, the conditions may not be very favorable for you.

Please note that each bank selects borrowers according to several criteria, so if you were refused a loan, it is not a fact that the problem lies in your credit history. And the bank is not obliged to disclose the reason for the refusal.

Correction of credit history

If you have dark spots in your file, then you need to make every effort to correct the situation in the first place. To begin with, it makes sense to check your credit history, for this you can contact the credit bureau where your file is stored directly, or request a report through a financial institution. True, banks charge a certain fee for the operation, basically, it ranges from 300 to 500 rubles, but you will receive a report immediately and you will not have to wait for a long time.

After you carefully review your report, you can proceed further. First of all, if you have open delays, then you need to close them as soon as possible, even if collectors are already working with your bad debts, you can still resolve the dispute, for this you need to fulfill the creditor's demand and pay off the debt fully.

In the absence of overdue debt to other creditors, many banks may approve a small consumer loan or a credit card with a low credit limit. For example, you can contact Tinkoff Bank, Home Credit Bank, Russian Standard or Renaissance Credit Bank. Here is a list of these banks for the reason that they are distinguished by a high percentage of approval of applications, an increased interest rate and minimal requirements for a potential borrower.

If, nevertheless, the bank did not give you a loan, then you need to work on correcting your credit history. To do this, you can use the services of microfinance organizations; by the way, they are also required by law to transfer information about loans issued to credit bureaus, respectively, if you take several small cash loans and repay them on time, then gradually your credit rating will increase.

A credit rating or scoring is an assessment of the client's solvency, it is calculated depending on the past and current financial history of the entity. Banks receive this measure along with a credit history, it allows them to assess their risks when cooperating with an entity in percentage terms.

Credit scoring example

So, after you have improved your credit history with the help of microcredits, you can apply to the bank for a consumer loan. Just keep in mind that you will not be given a large amount, but your task is not only to get a loan, but also to repay it in a timely manner. Further, you can count on larger amounts and favorable interest rates. In addition, most, even large banks, look at credit history over the past few years, that is, if, for example, you made a delay on a loan 10 years ago, then most banks will hardly be interested in this.

Let's return to our topic, which banks do not check credit history. Firstly, you will not find such data, because banks do not disclose how they check the solvency of the client, and whether they look at the credit report or not. Secondly, the opinion that small banks do not check the dossier is more a myth than a reality, they issue loans to debtors in the past only because this cooperation will be beneficial for them, because the loan rates are quite high. Accordingly, if your CI is damaged, you always have the opportunity to fix it, although it should be borne in mind that this can take quite a long time, up to several years, and if you need money urgently, then the only way out for you is an MFI, and new clients They don't lend more than $3,000.

Problems with the repayment of old loans - this is one of the most common reasons for refusal to receive new loans. But what to do if money is urgently needed, a person is determined to make payments in a disciplined manner, but does not want to turn to the services of microfinance organizations - which bank will give a loan to such a client? It makes sense to pay attention to banks that do not check credit history (CI) - they are loyal to borrowers with a bad reputation and agree to give them loans on acceptable terms.

What is a credit history

A very good analogy would be to compare the CI with a kind of dossier where information about the borrower is collected. This dossier is formed by a Bureau specially created for this purpose and contains the following sections:

• The title part - basic information about the citizen, the data of his passport, and other documents (TIN, SNILS).
• The main part contains information about obtaining previous loans and the circumstances of their repayment. This also includes court decisions on the recovery of other debts, for example, for housing and communal services.
• The closed part is the sources of the formation of this dossier and the organizations that used the information from it for verification.
• The information part is formed when the borrower applies for a new loan and contains information about errors and delays in repayment. All this information is kept for 15 years.

Why banks check credit history

The intensive spread of credit services entails not only income for the banking sector, but also a very real possibility of late payments or debt evasion by the borrower. Moreover, if force majeure situations (injury, a sharp decrease in salary) cannot be foreseen, then the behavior of the client when repaying previous loans will tell the bank's specialists a lot about its financial discipline.

A good CI can be likened to reliable capital, so having a “track record” of several loans repaid on time will make you a welcome client in many banks. Similarly, a bad CI is like a stone around the neck, and it absolutely does not matter how objective the reasons for the delay were. Bad CI is not a sentence, especially since:

• It is believed that it can be improved by paying off loans in a timely manner (for example, in microfinance organizations).
• In some situations, it will not be a serious hindrance in issuing a loan, and it makes sense to analyze these cases in more detail.

When history is not verified

Although all financial institutions are interested in the return of invested funds, there are banks that do not check the credit history of customers when issuing loans. This may sound paradoxical, but it has quite understandable reasons:

• A loyal attitude towards borrowers is very characteristic of young banks (for example, Pochtabank), which seek to build up a client base in a short period. Large and well-established players on the all-Russian scale (Sberbank, VTB24, etc.) will have much stricter requirements.
• Very often, when talking about banks that do not check customer credit history, they mean that previous miscalculations in repaying loans will not be decisive and will not cause a refusal. But this does not mean that creditors did not look at the clients' CI at all, and most likely, such a statement is just a marketing ploy.
• A superficial acquaintance with CI and turning a blind eye to previous miscalculations with payments may be associated not so much with the loyalty of the bank, but with the desire to issue money on new, more serious conditions. This may be a pledge of property or higher interest rates (up to 30% or more), but all the same, these conditions will be more acceptable than if you receive an express microfinance loan.

Which banks do not check credit history

Speaking about banks that do not check customer credit history, one should not forget that such borrowers will not be offered services on the same terms as the rest of those who apply. In other words, the bank "does not check" the borrower's CI, but because of this, increased requirements are imposed on him, by default believing that his reputation has been tarnished. Such a client is required to confirm their good faith using one or more options from the list:

• He must have an official place of work, sufficient income and long experience.
• It must be suitable for the age category (banks are very reluctant to give loans to pensioners).
• A significant advantage is the availability of collateral.

Binbank

The minimum loan amount in this bank is 50 thousand rubles, but with good security, you can count on up to 3 million. The program for new clients has loan repayment periods from 6 to 60 months and an interest rate of 22-42% per annum. Separate conditions are for payroll clients and public sector employees, the interest rates for which will be much lower.

Home Credit Bank

When compiling a list in which banks do not check credit history, you can’t forget about this bank. An online loan application is considered within two hours and, upon approval, the bank will issue money for up to five years at an annual rate of up to 36.9%. This is a loan without collateral, guarantors and commissions, providing for early repayment.

Russian standard

This bank is extremely popular among problem borrowers and deserves one of the first places in the impromptu rating. Getting a loan here is much easier than in many other financial institutions - consumer and cash loans are issued for up to 5 years, with an interest rate of 24.9% (in some cases, collateral will be required). Without guarantors and collateral, a client can claim up to 500,000 thousand rubles, a minimum of documents is required - a passport and another identity card.

Renaissance Credit

If you are still looking for an answer to the question of which bank does not check your credit history, then take a look at Renaissance Credit. Here you can get a loan from 30,000 to 500,000 rubles for up to 5 years at an interest rate of 19.9% ​​- with a bad credit score, these conditions look very attractive for a problem borrower. Making a loan service can be just two documents.

Sovcombank

For those who apply to this bank (also known as GE Money Bank), a remote method of interaction using an online service will be very convenient. Received applications are considered within 5 minutes, the maximum amount is 750 thousand rubles for up to 10 years. Of the documents, except for a passport and work book, you will definitely need a certificate of income.

Loyal banks to bad credit histories

When specifying which banks do not look at credit history, one should not forget about organizations that are distinguished by a particularly benevolent attitude towards customers. In this case, banking risks are insured with a high percentage, but even in this form, the client will be more profitable than when receiving a microfinance loan. In some cases (for example, when contacting Tinkoff Credit Systems), a payment card is required. The table shows offers for residents of Moscow, where they will give a loan even with a bad CI:

Video

Credit history (CI) is information about the interaction between credit institutions and the borrower. It reflects information about the timeliness of making payments.

After checking the credit history, the bank can assess the reliability of the client and make its decision on the loan application. A negative dossier can lead to a loan not being granted.

Today, a large percentage of people are asking questions:

What factors affect credit history?
What are the ways to correct errors?
Which bank will give a loan and not check your credit history?

What is a credit history for?

Citizens were just discovering the significance and necessity of loans. And more than 90% of those who applied for loans tried to make payments on time. But not all citizens were honest with banks, so the latter decided to check them.

Every year the number of loan offers from banks grew, along with that, there were more scammers - people who deliberately draw up loans in order not to pay them. The losses of lenders also increased, so it was decided to collect information and check all borrowers.

What are credit violations?

Gross - full or partial non-payment of the loan;
Systematic - regular delays in payments, long periods of time when money is not transferred to the lender's account;
Small - short-term irregular delays (for a period not exceeding 5 days).
Most banks do not pay attention to minor violations, but with medium and gross delays, things are different. Whatever debts and delinquencies the borrower has, it is unlikely that he will be able to get a profitable loan. Banks will check the CI.

Are there banks that do not check credit history?

For such a short period, it would seem impossible to fully verify the borrower. However, the verification system is designed in such a way that electronic requests are submitted to several authorities at once, one of which is the credit bureau.

In minutes, a lender can check how a potential borrower has paid off their previous loans.

There are no banks in Russia that do not check credit history. There are banks that check credit history and give credit to customers, even if it is bad. Every citizen can get a loan with violations in the dossier. One has only to get acquainted with the intricacies of the transaction.

Which banks issue loans with a negative credit record?

Banks with a short experience in the market check all customers, but the main goal of young institutions is to attract customers. Wanting to develop a client base, they issue loans to as many people as possible, without paying attention to CI;

Financial institutions offering special programs to raise the CI rating. They check the history, after which they offer the borrower to take a small loan and repay it on time, thereby improving it;

Banks whose policy involves the issuance of loans with excessive requirements, without fail, check the CI of customers. Under the terms, funds are not issued to borrowers without a guarantor or collateral;

Microfinance organizations and individuals. Such lenders check the history and are ready to cooperate with clients who have negative marks in it. The secret of their "loyalty" lies in the exorbitantly high percentages.

Banks that do not check credit history when issuing a loan are a myth. For past delays and defaults, the borrower will have to go to various tricks in order to again rely on financial support from commercial and government institutions. Knowing that the credit file is being checked, it is worth thinking about how to fix it. But if there is no time for this, then you can choose an institution that checks the CI, but does not pay attention to it.

Anyone who has had to borrow money from a bank knows that the security service of a credit institution carefully checks all the information that the client indicated in the application form, and is also interested in the details of the credit history. And what if the credit history is not perfect - have there been any delays before? We will tell you which banks do not check credit history.

A loan without a credit history check is difficult, but possible

It is quite difficult to get a loan if in the past there were problems with repaying a debt to another bank, but as practice shows, it is possible. In the domestic financial market, there are banks that do not check the history of borrowers.

This does not mean that they are not at all interested in what the borrowers are, just that the security service of these banks has a lot of other ways to get an idea about the client without asking for information from the Credit Bureau. For dear readers, we have prepared a table that includes several banks known to us that prefer to issue loans without checking credit history:

The absence of a long and thorough check will cost the borrower an additional fee for the loan. However, express loans are one of the most popular today. We will only add that, of course, one cannot count on a large amount for a long time under such a program.

However, most borrowers do not need this, since the money is needed to complete settlement transactions and a short term, as well as decent interest rates, do not bother borrowers.

Here are a few more options where you can get a loan without documents and guarantors:

Learn all about the bank

When deciding which banks are best suited for obtaining a loan, take the time to collect information about the financial institution, so you may save your money and nerves. To clarify: if banks do not check the history of the client, this does not mean at all that the bank is ready to part with their money in case of non-repayment.

On the contrary, these organizations impose extremely stringent requirements regarding the timely payment of the loan and apply penalties and fines to borrowers in violation. It’s good to know about these measures in advance, so as not to suddenly find yourself in front of a very large debt that has appeared out of nowhere. Read reviews about the selected bank and look at specialized thematic portals, such as banki.ru.

Along with banks, microfinance organizations do not check the credit history of borrowers. It is not difficult to get money there, but the loan amounts are very small, and the interest is calculated by the day, and borrowers do not have a desire to use MFI money for a long time at a rate of 120% per annum. Therefore, microfinance organizations are perceived by borrowers as the very last way out, when there is nowhere to turn.

If you are going to use a loan for the first time, we advise you to take the loan with all seriousness, because it will be very disappointing when the first loan with violations of the terms, taken at a young age, can make it impossible to receive loans on favorable terms in the future due to a damaged credit history.