One of the most common types of bank loans is currently considered an online loan. An application for cash loans, for consumer and other types of loans today is submitted in real time. This is very convenient for potential borrowers, as well as for representatives of credit institutions themselves. We will tell about the subtleties of applying for an online loan further.
What is the essence of online loan processing?
Probably, many discoveries in science and technology, as well as other areas of life, mankind made because of elementary laziness. Someone can argue with this, but judge for yourself: why go to the bank and spend your personal time, money for travel, if there is such a service as an online application for a cash loan. How it works?
As a rule, to submit an application online, just go to the official website of the bank or any other credit institution, select the appropriate template and fill it out. Further, if the bank approved a cash loan (an online application is usually considered for at least 5-10 minutes), the bank manager calls, asks leading questions and specifies the details of a personal meeting.
Then, the prospective borrower is offered to come to a branch of a credit organization convenient for him with a passport (in order to resolve “paper” formalities). After that, you get one of two copies of the loan agreement and the long-awaited money.
Which banks can get an online loan?
Currently, an online cash loan application is available in almost every bank or MFI. In order to formalize it, you should refer to the official resources of the credit institution. However, if you have not decided which bank to contact, the ideal option would be to study several options for obtaining loans at once.
Additional private services usually help in this, on the pages of which a list of several financial institutions issuing cash loans is presented. We will imagine that at the moment you went to a similar resource, so we will try to highlight the general requirements for filling out and the conditions for obtaining a loan for the following organizations:
- Sberbank of Russia;
- Rosbank;
- Sovcombank;
- Russian Agricultural Bank;
- Promsvyazbank.
Cash loan. Sberbank: online application
In order to submit an application on the Sberbank website, you must select the “Get a loan” tab in the upper left corner. Then you should go to the section "Loan for any purpose" and select "Consumer loan without collateral." And then it remains only to click on the yellow button - “Fill out the form”, located after the description of the conditions of the bank loan. After that, you can download the application form on your computer and apply for a loan online. In this case, a cash loan application can be filled out either in electronic form, or you can print it out, fill out it and come to the bank. What is in this form?
What should be indicated in the application form?
The following points should be indicated in the application:
- the applicant's role in the proposed transaction (borrower, co-borrower, guarantor, pledger);
- FULL NAME.;
- information about the change in surname, name or patronymic (date and reason, F. I. O. before the adjustment);
- date of birth;
- Place of Birth;
- contact details of guarantors, co-borrowers and pledgers;
- TIN (if available);
- work, home and mobile phone numbers;
- Email address
- passport data (series, number, when and by whom issued), etc.
After filling out the form, you can get or not get a loan online. An application for a cash loan in this case is not a 100% guarantee that your loan will be approved. It should be understood that when considering it, a host of other factors will be taken into account (the size of family and personal income, the amount of monthly expenses, etc.).
How to apply online for a loan at Rosbank?
Before applying for a loan, you must first select the tab "Private customers" and point to the transitional investment "Loans". Then, in this subsection, you should select “Unearmarked loans” for any purpose. After studying the conditions and receiving recommendations on the site, potential borrowers will be able to choose a suitable loan product and fill out a questionnaire.
Like other financial organizations, Rosbank offers a cash loan (an online application for it is on the right) in real time. Recall that to obtain a loan at this credit institution can citizens of the Russian Federation who have experience at the current place of work for at least 3 months.
By clicking on the tab “Application for inappropriate credit”, you need to fill out a small simplified form. Here it is required to indicate standard customer information (full name, date of birth, e-mail, address of actual residence), as well as the type of loan (inappropriate loan), the amount of the loan and agree to the processing of your personal data. Further, the application can either be printed out or sent for approval to the bank.
How to get an online cash loan at Sovcombank?
Sovcombank also offers a cash loan. An online application on the bank’s website is also available in the “Loans” section. You can find it under a private loan calculator, on which, by the way, you can calculate the preliminary loan amount and choose the appropriate rate. After clicking on the "Submit Application" button, you can see a convenient demarcation of the screen, on one side of which there is an application itself, and on the second - loan processing conditions.
When applying for a loan online (the application for cash loan here has a simplified form), indicate:
- estimated loan amount;
- loan term (from 2 to 36 months);
- Are you a person of retirement age?
- Contact details;
- the presence of citizenship.
Upon completion, you must agree to the design of your data and send an application.
How to apply for an online cash loan at Rosselkhozbank?
In the "Agricultural Bank" you can get a loan for any purpose. Private individuals, small business representatives, corporate clients and investors can do this without guarantors and collateral. The bank’s website has an online calculator that allows you to calculate the estimated amount and amount of monthly payments before submitting an application. For example, you want to take 370,432 rubles. for up to 12 months, and your average monthly income is 54,948 rubles. After calculation (taking into account annuity payments) we get an interest rate of 27% and a lower loan amount - 287 623.12 rubles. (since for the required loan amount you do not have enough means of average monthly earnings).
After that, an online application is submitted. Rosselkhozbank (cash loans can be obtained subject to the necessary conditions) has done everything possible to simplify the process of filling out the questionnaire as much as possible. Unlike the previous forms, this is necessary to indicate the office of the credit organization convenient for you. Also, together with the contact information (name of the borrower, phone and email) should indicate:
- required loan amount;
- credit term;
- comment (for example, here you can specify the purpose of the loan and the time convenient for its execution).
After filling out the application, you need to send it, after checking the fields marked with an asterisk (required fields).
How to fill out an online loan application at Promsvyazbank?
For private individuals and business representatives, Promsvyazbank offers a cash loan (an online application is made out directly on the website).By following the chain: “For individuals” - “Lending” - “Consumer loan” and “Application for a loan”, you can easily fill out a simplified version of the questionnaire. You can find it by clicking on the link below the information about the banking product.
The application must indicate, firstly, whether you are a client of the bank or not. Secondly, to get a loan you need to confirm your age (from 23 to 65 years) and the presence of a permanent job. Thirdly, your experience at the current place of work should not be less than 4 months. Next, you need to indicate whether you are an entrepreneur or employed, whether you have a passport of a citizen of the Russian Federation, enter the contact details and send.
What are the benefits of applying for online loans?
The main advantage of obtaining loans through the Internet is, of course, convenience. You can apply anywhere wherever you are, as long as you have access to the network. Also, access to online services allows you to save time searching for lenders. For example, some citizens, in order to come once again to the bank, should be asked to leave work or use their legal lunch break for this.
In addition, travel is spent, although not so big, but a certain amount of money. The remote document filling service allows you to get a loan while sitting in a cafe, at the workplace, etc. In addition, there are online calculators on the websites of banks or credit services. They allow you to get a general idea of the loan that you are so eager to get. A virtual chat will help answer all questions that arose during registration. Its indisputable advantage is the high speed of response of a call center representative.
Why do loan applications differ from bank to bank?
In total, all online loan applications have common features. However, they may have additional items that are not available in other financial institutions. In particular, the entire system of questioning (at the discretion of the bank) can be built on an individual basis and provide for several options for filling out the questionnaire. For example, application forms for individuals may differ from similar forms, but for business representatives or corporate clients.
The number of points and answers to them, as well as the format of each bank’s application, are approved on the basis of their own policies. At the same time, each of the financial organizations is trying to create the perfect template, taking into account the time spent on filling the client. Therefore, if you choose between several banks, you should first study the terms of lending in them, and then look at the loan application form itself. From here you will conclude whether this bank is suitable for you or not.
