Where can I get loans with a bad credit history without references?

What to do if there is an urgent need for money, but they are not and are not expected? Borrowing from relatives and friends is a good alternative, but they too may not have available funds at the moment or the necessary amount. Yes, and there is a saying: "If you want to have an enemy - borrow money from a friend." Now very many people live with this credo. Because you do not want to lose loved ones on such mercantile soil. And there's nowhere to go. Without money, nowhere. In this case, banks offer loans to people. However, they can not always be obtained there. That salary is small, then the age is inappropriate, then the history of loans is bad. So, where to get loans with a bad credit history?

What is a loan?

We urgently need some amount of money, well, or not urgently, but it is still needed. We need something or just cash. And here financial organizations, namely banks, are ready to give us money with an obligation to return them and additionally pay a certain percentage for using. This is the credit. A large amount is not always obtained, accumulate, borrow, but pay it, albeit with interest, but for a little bit, small shares, it is much easier. This is what most people think, not only in Russia, but throughout the world. In America, such loans are the most painful topic. People buy everything on credit, and with their debts sometimes the next generation is calculated: children and grandchildren. We are doing a little differently, but the opportunity to use a large amount right now, without waiting for some cherished moment, entices many people. This leads to the omission of payments, with all the consequences. A loan with a bad credit history and delinquencies will not be issued by every bank. And then the problems begin ... And the question arises: "Where can I get a loan with a bad history?"

Credits in our life

Life situations are completely different. Some people get into the debt hole by naivety, some simply do not think about the consequences, others use such loans reasonably and even derive considerable benefit from such money. Everything depends on these very situations and the structure of human thinking. For example, the most fashionable phone can wait and if the family budget is not ready for such a test, but operations, training, a separate housing for a young family or investing in a business is a good reason to take advantage of other people's money. Some people, picking up on the stupidity of loans for entertainment and completely unnecessary things, come to an important point, when they really need borrowed funds, and get rejected. And again they are overcome by the question: "Where can I get loans with a bad credit history?"

Types of loans

Different types of loans exist for different purposes. And the skillful knowledge and use of these financial instruments can have a positive effect on the material condition. So, the consumer is designed to buy household appliances, furniture, things for the house. He has interest rates lower than with cash loans. They are issued on the security of the purchased thing. Cash loans are a bit different. Here the borrower decides what to spend it for, and does not report to the bank. Credit cards are as convenient as cash, however there are many commissions on them, and the stakes are high. There is a mortgage - to buy housing, there are special business products to expand their organization, purchase equipment and so on. There are auto loans and leasing. There are loans secured by property. They are all designed for different purposes, require different documents, but information about them and payments on them will be available to all financial institutions in the future. So, in order not to puzzle yourself where to take loans with a bad credit history, you need to rationally calculate your strengths and make monthly payments on time.

How does the bank determine how much to take

When you apply to a financial institution for a loan, you provide the bank with various data about yourself, your work and salary, your family and financial situation. Here, the appearance plays a role, and an indication of the purpose for which this amount is taken. Important information about past loans. If you have not had any loans, then, most likely, you will be issued insurance together with him. All this in order to insure against financial losses the bank itself, not the client. As a result, because of it you will have to pay higher interest than originally expected. Insurance will be issued in the event that you had minor blots in the history. Regular customers are given bonuses and discounts. For example, you have a salary card in one of the banks; Most likely, after several years of service you will be offered a personal credit card with a lower interest rate. If you still do not have enough money to pay off all your debts, so as not to puzzle yourself with the idea of where to get a loan with a bad history, you can make refinancing. This service is also presented in different versions. First, refinancing can be done on one of the loans to reduce the monthly payment. And secondly, with the help of special products of the bank you can combine all your loans into one and make the payment schedule the most convenient. It's better than looking then, where to get a loan with a very bad history.

Documents that will be required for a loan

The first document is used always and everywhere. This is your passport. It will be required in any case to initialize your personality. The second document will confirm that this is exactly you. It can be a driver's license, SNILS, policy, TIN, etc. The third thing you need is an indication of the place of work and work phone. Sometimes you need a certificate of income for the last few months. Important information for creditors: home address and telephone number, contact phone number, mobile number of parents or spouse. This is the main package of documents that will require almost all credit institutions.

Important information about the borrower

Each bank itself determines which information about the borrower is most important to him. It may be age. For example, for people under 21 and over 50, most financial institutions will not give a loan even with a good history. A loan without certificates with a bad credit history is generally from the category of fiction. However, there are organizations that can help in this case. The weighty information is about the presence of children and marital relations, as well as contact with relatives. Registration in this matter also matters. If a person lives far from the city in which the selected bank is located, his chances of getting it are greatly reduced. All this information is entered in the database. From there they will not disappear any more. Well, in any case, the next five years - for sure. And if the presented data does not allow you to call you a bona fide borrower, do not blame me: a cash loan with a bad history is difficult to obtain, if not impossible.

What is a bad story

Some financial institutions provide a service to familiarize themselves with their own history. You will be given a printout, which will indicate all your loans and credits, their amounts and terms, as well as anything that you are overdue or not paid at all. All banks and organizations involved in lending to the population have access to this data. Any case when you take money in debt, are fixed in special databases and become visible to all other similar institutions. So banks try to protect themselves from customers who do not bring them profits and even, perhaps, organize financial losses.

How to find out your credit history

Some banks can provide you this information completely free of charge, others will take some kind of commission. All such stories are contained in the so-called Bureau of Credit Histories. They are kept 15 years since the last record. You can transfer this document to the office of the bank only with your consent, just as you can get information from it only with your reference. At the moment when you fill out a loan application or sign a contract, you automatically give such permission. You can find out the code of your history on the website of the main bank of Russia, as well as through any financial organization upon presentation of a document proving your identity. Once a year, history is provided for free. With more frequent access to these data will have to pay.

Where to take loans with a bad credit history

If your story is spoiled, but not completely horrible, it makes sense to go through the nearest banks. It is possible that for them such blots are not so critical. A loan with a bad credit history and delinquencies you can in most cases get in microfinance offices. There are now a huge number, they are located almost at every stop in the city. However, such a loan is suitable only if you plan to take the amount for a short period of time. For example, for a few days. The interest on loans in these organizations is simply enormous. If you do not return it for a long time, at the end the amount will be three times the original amount, and this at best. Some banks have developed special programs for such clients. For example, "Renaissance", "Citibank", "Webbanker", "SMSfinance." Even Sberbank has such a program, but the staff will require a lot of documents. Where can I get credit with a bad history quickly? There is a virtual service "Finguru". There's another system at all. You will be given a loan not by banks, but by people who have placed their free money (in order to earn) on this service. Consideration of all these applications takes an average of one day.

Possible sanctions

With the next default of debt or delay, you will further exacerbate your situation. If the loan is a consumer loan, the bank has the right to take the item to which it was taken. After the court session and the announcement of the verdict on the return of funds to the lender, you must fully pay off your debts. Otherwise, you can legally describe the property.