Sberbank customers used to often complain that their favorite bank did not issue consumer loans for small amounts. And, indeed, until recently, as part of a loan for any purpose, you could take at least 45,000 rubles. Today it is proposed to take at least 30 thousand rubles on credit from Sberbank, and this is very inspiring. Let's see how this can be done, and at the same time consider the existing lending options for the specified amount in this bank.

A salary client may well take a consumer loan for 30 thousand rubles at Sberbank without certificates and guarantors. The main thing here is to have an impeccable reputation, a good credit history and a stable source of income. When it comes to such a small amount, the credit department of Sberbank can make a decision on the day of the application and issue the required amount to the borrower on the same day. How to take a loan of 30,000 rubles for any purpose? The easiest way to apply is through the Sberbank Online system, but if this is difficult for you, come personally to the Sberbank branch.

1. Show the bank employee a certificate of 2-NDFL for 6 months, a passport and a copy of the work book.
2. Together with a bank employee, carefully fill out the application for a loan.
3. A bank employee will make a copy of your passport, take your certificate, a copy of your work book and a completed application.

You will have to wait a while until the credit department makes a decision. If you are a payroll client, the waiting time will be reduced to two hours. After a positive decision is made, the loan amount will be transferred to your card.

In this case, you can borrow 30,000 rubles for a period of at least 3 months and no more than 5 years at 13.9% per annum. The bank makes a discount for salary customers, which means that they can get a loan at 12.9% per annum. The interest rate will depend on the credit history, the income of the borrower and several other factors, but in any case it will not be higher than 19.9% ​​per annum.

Suppose you need to borrow 30,000 rubles for 1 year. Sberbank approved you a rate of 12.9% per annum, which means that every month you will give credit institution 2678 rubles. Not too burdensome payment, and the overpayment will be small, only 2137 rubles. Thus, a year later, you will pay 32,137 rubles to Sberbank without kopecks.

Credit card

Although obtaining a small loan for any purpose does not take much time, there are situations when money is needed urgently, but there is none. Not even those notorious two hours. Is it possible to get 30,000 rubles faster in Sberbank, and what will be the conditions? Get the right amount a Sberbank credit card will instantly help, and any credit card with a limit of at least 30,000 rubles.

You will have to issue this card in advance by submitting an application through the Sberbank Online system or at a branch of Sberbank. It is worth doing this only 1 time, and then it will be possible to take small loans whenever you like. When using a Sberbank credit card, there are nuances.

1. It is too expensive to withdraw cash from it, especially since you lose grace period. It is better to pay for goods and services directly with a credit card, while you will return part of the money spent in the form of cashback.
2. Having spent 30,000 rubles from a credit card, you do not pay interest during the grace period, which is up to 50 days. This is convenient when you need to borrow money for a short period, for example, before salary.
3. You can take an unlimited number of loans within the established credit limit, the main thing is to have time to return the money on time.
4. If you do not have time to pay off on time, the loan amount will be charged from 23.9% per annum.

Let's summarize. If you need to borrow 30 thousand rubles for a sufficiently long period, let's say for 6 months or a year, it is wiser to get a loan for any purpose. The overpayment will be small. But if you need small amounts often and for a short time (before salary), then get a credit card and use it as carefully as possible so as not to plunge yourself into temptation and not ruin your credit history. Good luck!

Loans for 30,000 rubles can be issued at the bank for several months, for a year or any other short period. In 2019, many financial institutions can offer such options; they have the opportunity to get an urgent loan without refusal. The percentage is almost always determined individually.

Where can I get a loan for 30,000 without refusal urgently?

There are more chances to receive money in the amount of 30 thousand rubles if there is a guarantor or a document confirming the presence of a constant and sufficient income. Since the amount is relatively small, financial institutions are willing to sign loan agreement with applicants and two documents. Increasing the chances of a positive decision is easy. For this you need:

• be a payroll client;
• provide guarantors;
• provide the entire package of requested documents.

Bank offers

You can take a loan for 30,000 rubles on a card as a pledge with a different period for considering an application. There are options for consumer loans for citizens with temporary registration and no fees. Offers are in:

• Credit Europe Bank;
• Rosselkhozbank;
• Severgazbank;
• Sberbank.

Where to get a loan for 30,000 rubles online?

Our Internet portal invites you to get acquainted with offers from various institutions. You can get a cash loan for 30,000 rubles or make a transfer to a card:

1. First, use the loan calculator to find programs that meet your requirements. The more input data you provide, the easier it is to narrow down your choices.
2. In the table that opens, compare the rates, the requested package of securities, terms and other parameters.
3. Submit an online loan application to several institutions.
4. When approval comes, pay attention to the timing of the offer. During this period, try to visit the branch.

If banks refuse, then you can contact the MFI. The services of such organizations are suitable for those cases when it is not possible to provide references or you have a bad credit history. On the "Loans" tab, you can find 300,000 rubles without refusal and with poor credit history.

Do you know the situation when a small amount is not enough for a large purchase, and it is impossible to take money from relatives or friends? In Moscow, this is a common situation. The My Benefit portal offers you an excellent solution - to take a loan of 30 thousand rubles. The site presents a lot of reliable organizations that provide loans to people of different ages and areas of employment.

Why choose our service?

Not every well-known bank and financial institution allows its customers to receive the entire amount at once, without waiting for several days. Lenders who carry out their activities on our portal are fundamentally different from other organizations, so you can get 30 thousand rubles in as soon as possible. In addition, it can be quite difficult to get a loan from a bank, because there are too many requirements.

It is worth listing the reasons why it is worth taking 30,000 rubles from us:

• the ability to take a loan from almost any lender;
• a large selection of financial institutions;
• term loans;
• low interest;
• loan amount - from 1,000 rubles.

At the same time, you can be absolutely sure that no organization will deceive you.

Working conditions

Getting credit funds on the My Benefit portal is quite simple. It is enough to find a financial institution whose requirements will fully meet your capabilities. For example, you must live in Moscow in order to come to the office for money. Or, for example, you do not want to provide a certificate of your income in order to receive loans in the amount of 30,000 rubles. In such a case, select the appropriate option where the company does not require the borrower to do so. Just carefully study the information on the site before applying for a loan.

The issuance of funds takes place either on your bank card, or in the Moscow office. There, the manager will agree with you on the return period, as well as draw up a payment schedule. This will help you not to remain in debt to creditors.

What is a loan application?

Be sure to follow the monthly refund deadlines so that you do not have any problems. "My Benefit" will help in the most difficult situations!

You can get a cash loan in the amount of 30,000 rubles in almost every bank. The amount is relatively small, the borrower will not need to look for guarantors or collateral, and many financial institutions will not even require proof of income. But at the same time, 30,000 rubles is enough to solve specific consumer problems. Let's look at the standard conditions under which banks will be able to lend this amount.

"Renaissance Credit" - "Urgent Goals"

In this bank, you can take 30,000 rubles on the day of treatment without income statements and a work book. All the client needs is to take a passport and another identification document with him to the office. For example, a passport, a driver's license, a personalized bank card, a diploma of higher education, military ID or TIN.

But in order to be approved, the client also needs to meet the following lender requirements:

1. The age at the time of submission of documents is 20 years for regular and 24 years for new clients. There is also an upper age limit here - at the time of the final repayment of the loan, the borrower must not yet be 70 years old.
2. The minimum monthly net income for residents of Moscow is 12 thousand rubles, for residents of other regions a lower monthly salary is set - from 8 thousand rubles.
3. Minimum work experience at the current place of work for at least 3 months.

When applying, it should be noted that the client will have to submit an application at the branch, which is located in the locality where he is registered or where his employer is located.

Program "For urgent purposes" in the bank "Renaissance Credit"

Credit amount

from 30 to 100 thousand
rubles

loan terms

from 24 to 60
months

loan rate

from 19.9%
per annum

* - issued according to the minimum package of documents

Clients will apply to Renaissance Credit for 30,000 rubles, as here:

1. A decision is made very quickly.
2. No need to carry a lot of documents.
3. Loyal requirements to the borrower.
4. You can do without guarantors and collateral.

Regarding the difficulties that may arise, they should include only the obligation to be registered or work in the region where there are bank branches, as well as the inability to obtain a loan for a period of less than 2 years.

"Far East Bank"

Dalnevostochny Bank accepts applications from clients aged 20 to 65 years with a minimum work experience at the current place of work of at least 1 year. For holders of salary cards, this requirement is more loyal - it is enough for them to work only 3 months. In addition, potential borrowers must be registered, live, work in settlements where the bank branches are located. No bad credit history or lawsuits required.

To consider an application from an individual, you will need to bring with you, in addition to two identity documents, also a certificate of income, as well as a work book.

The interest rate on the loan depends on the term of the loan. For example, the minimum loan fee for a year is 11.25% per annum, but when the agreement is concluded for a period of 3 to 5 years, then its value starts from 12.25% per annum. The following factors also affect the amount of the fee:

1. Absence salary card raises the rate by 1.25%.
2. Refusal to conclude a contract voluntary insurance increases the fee by 2%.
3. Also, the rate can be increased to a maximum of 2%. If one or more of the following criteria are not met: the borrower is not a manager, does not use mortgage loan in Far Eastern Bank or does not have a good credit reputation.

Credit "Cash" in the bank "Far East"

Credit amount

from 30 thousand rubles to
2 million rubles

loan terms

from 6 to 60
months

loan rate

from 11.25%
per annum

* - it is important to have a good credit history

So, this bank will attract customers:

• low interest rate;
• no requirement to pledge property or seek guarantors;
• long term of the credit decision (45 days).

But the full package of documents, the presence of conditions that increase the interest rate, will be perceived by customers as disadvantages.

Axon Bank - Express Credit

You can contact this bank when you need money very urgently. Firstly, here are loyal requirements for potential customers, namely:

1. Age from 18 to 75 years.
2. The minimum work experience in the last position is 4 months.
3. Accommodation in the region where the bank branch is located.

And, secondly, the decision on lending is made on the basis of only a passport and SNILS.

Regarding the interest rate on the loan, it is possible to claim its minimum value only if the borrower used more than 20% of the loan amount by targeted wire transfer. Otherwise, it grows by 20%.

It is also good that this program does not require guarantors, collateral and the conclusion of an insurance contract.

As for the shortcomings, in addition to raising the interest rate, they can also include the fact that the bank may require guarantors at its discretion.

"Zenith" - "For military personnel"

This program is designed only for employees of law enforcement agencies and military personnel. To apply for a loan, they will need to provide a passport, a document confirming employment, income information, service ID / military ID.

The interest rate under the program is relatively low, but it increases by 0.5% if the borrower refuses to conclude a personal insurance contract.

Also, customers are attracted by a fairly long loan period - 15 years. It should be noted that if potential borrower want to borrow more money than his solvency can afford, then he can attract guarantors.

As you can see, the lending program is relatively good, but, unfortunately, only a narrow circle of individuals will be able to use it.

"MTS Bank" - express loan "Time-Money"

General conditions of the program:

• the amount of 20 thousand - 1 million;
• term 1, 2 years;
• rate 15.9-21.9.

Express loan "Time-Money" in "MTS Bank"

Credit amount

from 20 thousand rubles to
1 million rubles

loan terms

from 12 months to
2 years

loan rate

from 15.9%
per annum

* - proof of income is optional

The loan is provided to citizens of the Russian Federation aged 21-68 years with permanent registration in Russia and a place of work within the last 3 months. 30 thousand rubles can be obtained with a passport and a second identity document. For payroll clients obtaining a loan is possible from the age of 18 and without providing an additional document.

The rates within the programs depend on the loan amount: from 20 to 100 thousand, a fixed percentage of 21.9% is applied.

Benefits of the offer:

• fast processing of the application;
• no need to verify income;
• preferential terms for payroll clients;
• low age restrictions.

Among the shortcomings it is worth noting:

• high interest rate;
• increase in interest for refusal of insurance;
• there is almost no choice of loan terms (12 or 24 months).

An example of calculating the terms of a consumer loan for 30 thousand rubles

Help choose the best Better conditions lending without visiting the bank will help the client online calculator. Similar programs are available on the website of almost every financial institution. The calculator is very easy to use, and besides that, you do not need to visit the branch of each bank to find out the standard loan terms.

But it should be noted that the calculations obtained with its help are indicative and only allow the client to see where monthly payment and pay less. To find out more about the level of interest rate and additional costs, the client should still contact the bank directly.

Let's try to decide which financial institution is best to start your search. To do this, we calculate the monthly payment and the level of overpayment, provided that a citizen takes a loan in the amount of 30 thousand rubles for 24 months.

* the calculation was made for the amount of 40 thousand, since the calculator on the official website counts the amounts in increments of 20 thousand rubles.

Comparison and conclusions: which bank is more profitable to take 30,000 rubles in cash

Based on the calculations obtained, it is obvious that one should apply for 30,000 rubles, first of all, to Renaissance Credit. In this bank, in addition to the smallest amount of overpayment and monthly payment, there will also be no difficulties with documents. Here, to make a decision, the bank only needs a passport and one more document to choose from.

Axon Bank is in second place in the rating. There is also a rather loyal approach to the client and the package of documents. But it should be noted that you have to confirm intended use money, otherwise the rate will be much higher.

Far Eastern Bank is inferior to the previous two not only in terms of calculations, but also in terms of such indicators as requirements for clients and a list of documents. Here, in order to get a loan, you will need to provide information about income and employment. But on the other hand, the term of the credit decision in this bank is 45 days. Well, plus in the "Far East Bank" a large loan amount is available for customers. With sufficient solvency, an individual can borrow up to 2 million rubles.

Bank "Zenith" is the penultimate one in the rating with a program of lending to military personnel. There are no special requirements for borrowers here. After all, it is already clear that only employees of law enforcement agencies and the military will be able to issue a loan. But this lending program differs from its competitors by the longest validity period - up to 15 years, as well as the largest amount that the client can count on - up to 3 million rubles.

The most expensive is a loan from MTS Bank, which is logical, given the minimum of checks and the high degree of risk for the lender. Plus, the calculator on the site does not work quite correctly, so for exact calculation it is better to contact the bank employees.

Passport Application

Up to 5,000,000 rubles

Issuance automation

Urgent need for a small amount borrowed money often occurs in residents of all subjects of the Russian Federation. The development of a modern structure of financial institutions allows an adult applicant without problems 30,000 rubles in any Russian region. With a competent approach, a borrower who dreams of taking the required amount immediately right now will quite simply cope with the task. Financial institutions put forward fairly soft requirements for applicants when issuing small loans and do not ask unnecessary questions about the directions for using the amounts provided.

Take a loan of 30,000 without references and guarantors

An applicant with a positive financial background or small past dues should consider the offers of banks and choose a particularly attractive option. When analyzing loan products The following characteristics of banking programs should be taken into account:

• requirements for the client;
• required set of documents;
• restrictions on credit terms;
• interest rates;
• the existence of additional commissions;
• convenience of payment methods.

Those who want to take a small loan from the bank for 30,000 rubles without certificates and guarantors choose to receive a cash loan or issue a credit card. A credit card has many attractive advantages, but the client should take into account the time required for the bank to produce a personalized card.

Applicants with a difficult credit history in microfinance organizations. overpriced interest rates are compensated by the speed of consideration of requests and the immediate release of approved amounts. The size of payments on small short-term loans is quite feasible for the client.

Online application for a loan of 30 thousand rubles

Convenient remote loan requests are supported by most lenders. Applying online for a term loan for 30 thousand rubles allows the user to obtain bank approval without a visit to the office. The applicant will need a passport to complete the application form. Answering simple questions about the client's personality and well-being will take no more than 10 minutes.

The required amount is known in advance to the applicant, but the amount of monthly payments and the final overpayment largely depend on the choice of the loan term. Financial institutions offer small loans for a period of 3 to 60 months. However, it is hardly appropriate to choose a maximum term for such an insignificant loan.

Successfully calculate the amount of payments for the specified parameters will help the borrower instantly credit calculator on the website of the selected bank. Usually, for loans not exceeding 30 thousand rubles, customers prefer terms from 6 to 12 months. In the first case, monthly payments slightly exceed 5000, in the second - 2000 rubles. The requirements for candidates are quite simple:

1. Russian citizenship;
2. registration in the region where the financial institution operates;
3. the presence of a source of regular income;
4. the age of the client is from 21 to 70 years (there are other age limits).

The requirements for the minimum work experience are somewhat different, but most often it is enough for the client to work at the last workplace for 4 months.

Making a loan for 30,000 cash

Bank employees consider applications quite quickly, and most customers manage to receive the desired amount within 1 day. Urgent registration for 30,000 rubles has attractive characteristics:

• use of the borrowed amount for any consumer purposes;
• lack of guarantors and collateral;
• quick receipt of funds for the acquisition of material goods;
• small monthly payments and insignificant total overpayment;
• obtaining a positive entry in the credit file after successful repayment loan.

Problems with repayment convenient and profitable loan does not occur even among customers with a low level of income.