home » Psychotherapy » Renaissance Credit - cash loan or credit card. Renaissance consumer loan - online application Electronic application for a loan to Renaissance Bank

Renaissance Credit - cash loan or credit card. Renaissance consumer loan - online application Electronic application for a loan to Renaissance Bank

Loan processing on two documents.
Receiving the money on the day of application.
Interest rate - from 10.9% per annum.

Bank Renaissance Credit - One of the best banks for those who want to get a cash loan on the same day. Consideration of the application within a few minutes. Possibility to take. Instant cash withdrawal at the checkout. Favorable interest rate - from 10.9% per annum. Bank Renaissance Credit offices are open in all major cities of Russia, including Moscow and St. Petersburg.

Conditions for obtaining a loan

Interest rate - from 10.9% per annum.
The amount is from 30,000 to 700,000 rubles.
The term is from 2 to 5 years.

Requirements for borrowers

Age - from 24 to 70 years.
Documents - a passport and a second document (driver's license, international passport, personalized bank card, diploma, military ID, TIN or pension certificate).

Bank "Renaissance Credit" phone number

Online application for a loan on the bank's website

To get a loan from a bank, you do not need to come up with a special purpose for it and defend it at a reception with a credit consultant. The reason for this is the general situation in the world: the population is not getting richer, and the cost of goods and services is steadily rising. This does not mean that people now live from credit to credit, on the contrary, a real opportunity to receive cash has become widespread if a critical situation has occurred.

There can be many such situations:

- job loss

– breakdown of a car, household appliances;

- sudden illness

- delayed salary

- the desire to buy their own housing;

— unscheduled repairs, etc.

For such purposes, you should find a conscientious bank that will honestly fulfill its half of the obligations in the contract and will meet halfway in case of unexpected difficulties.

Get a Renaissance loan

In order not to be mistaken in the decency of the organization, not to make problems with the lenders that issue the loan, you can take a loan from the Renaissance.

Renaissance Credit is a bank with 15 years of experience offering its potential customers cash loans at a relatively low percentage.

The bank's partners are the largest companies Russian Federation, which once again speaks of his good reputation and disposes to take a loan to the Renaissance.

Cash loan — Bank Renaissance Credit

To increase the likelihood of cash loan approval at Renaissance Bank, the following documents should be provided:

- passport confirming the client's age and citizenship of the Russian Federation;

- certificate of income from work;

- a document on the absence of a criminal record;

- a document on the ownership of movable or immovable property.

Be sure to provide reliable data when making an application, because the revealed lie will negate the receipt of a cash loan at Renaissance Credit Bank.

Renaissance loan online application

To obtain a loan, there is a lightweight and convenient scheme - an online application.

It consists of the following: the client enters the official website of the bank, and fill out the proposed forms, where you should enter your original data. Further, the bank reviews the application and reports the decision made regarding the online application. You can receive money on the same day.

As can be seen, for modern man the possibility of receiving money at interest is quite simplified and accelerated. However, there are rules, violation of which rejects the borrower's candidacy, sometimes even forever.

Taking a credit limit, taking out a car loan or getting a mortgage are standard types of loans that are in great demand among Russian citizens. But, it often happens that a person urgently needs money and then a cash loan comes to the rescue. This service is provided by all financial institutions, Renaissance Credit Bank is included in this category. We will tell you further about how to get a cash loan at a Renaissance bank, on what conditions it is presented, and what papers you need to present.

Conditions for a cash loan

A cash loan at Renaissance Credit Bank is provided only to adult Russian citizens. The borrower must also meet the following requirements:

have a permanent residence permit or a permanent place of work;
receive at work a salary of 12,000 rubles (for Moscow residents) and 8,000 rubles (for residents of other cities);
have at least 3 months of work experience.

The borrower has the right to pay with credit money from 1 to 5 years. A person receives a loan from 30,000 rubles to 700,000 rubles. Moreover, the client does not need to tell the purpose of the loan to a banking institution.

Below we will understand what programs are presented to the borrower by a financial institution, and consider the rates for them:

Program "For bank clients". This program is used by citizens who have issued bank cards, on which they receive salaries, scholarships, and social benefits. The maximum loan rate for it is 25.7%, and the minimum is 11.9%.
Program for pensioners. Money under this program is provided to citizens of retirement age and the disabled. The maximum loan rate for it is 25.7%, and the minimum is 11.9%.
Program "More documents - lower rate". This program is used by citizens who, in addition to a civil passport, present to a financial institution another personal document, as well as papers that confirm their solvency. The maximum rate on such a loan is 25.1%, and the minimum is 11.9%.
Program "For urgent purposes". This program is used by citizens who urgently need money. Such a loan is issued through online applications. The maximum rate on such a loan is 25.7%, and the minimum is 19.9%.

In addition to the main loan programs, banking institutions provide online loans. With their help, the borrower pays for goods or services in the online store. Such a loan is provided to Russian adult citizens. Basically, the terms of the loan depend on the store where the borrower purchases the goods. Renaissance Credit Bank has many partners. For each of them, a financial institution has developed its own lending program. The rate on such a loan is 1.4% per month and 16.8% per year.

The financial institution also provides a special loan for the purchase mobile phone. Additionally, a financial institution provides several programs for such a loan, and their choice depends on the value of the product.

For example, if the goods cost 30,000 rubles, then the borrower prefers the "Actual" tariff plan.

If the product costs more than 30,000 rubles, then preference should be given to the tariff plan called "Affordable 30-100 / 6-12".

What paperwork is needed to apply for a loan?

The main paper for a loan is a general passport.

The list of additional securities is the securities presented by the borrower at his choice. This list includes:

Vehicle rights.
Card with the name of the owner.
Diploma of education.
Photocopy of work book, employment contract.
Income certificate from a financial institution.
Extract from the FIU. Taken by pensioners and the disabled.
Account statement for the last 3 months. It is issued at the request of the borrower in any financial institution.
Valid Visa.
Extract from the USRN for property.
Car registration papers.
CASCO policy.

How to apply for a loan online

Remember that an online application for a cash loan issued by Renaissance Credit Bank is preliminary. After its approval, the borrower applies to a financial institution and receives finance. Only in the branch, the borrower presents the required papers to the bank employee, signs the loan agreement.

To apply, the borrower goes to the official website.

An online application for a cash loan Renaissance Bank includes 2 blocks:

In the first block, the borrower enters the following information:

loan amount;
crediting period;
the address and number of the financial branch where the borrower would like to receive finance;
contact number;
certificate of official employment;
citizenship.

In the second block, the borrower enters the following information:

address of residence by registration;
actual address of residence;

Having correctly filled in all the information, the borrower clicks on the “Submit Application” button. Bank employees make a decision in 15-20 minutes. After that, the borrower can visit a financial institution and take a loan from the Renaissance Bank, issued according to online application for a cash loan on the site.

Loan calculation

A loan calculator, which is available on the official website of Renaissance Credit Bank, helps to calculate a loan in real time for a borrower. In order to select a loan program, the borrower must complete an online calculation in this program. Typically, the borrower needs to pay off the loan for several months, therefore, it is required to select a program with great care. Also, the total amount of overpayments and the amount of the monthly payment depend on which program the borrower chooses.

By using loan calculator borrower can:

Choose the best loan program for you, study the real interest rates on it.
Analyze your income and choose the best monthly payment for yourself.
To study all the components of the loan: what part of the income goes to repay the loan, and what part will go to repay the interest rate.
After analyzing all the information on the loan, calculate the amount that will be needed for early or partially early repayment of the loan.

Thus, the borrower chooses only a loan program, and the system independently calculates the required indicators. To select the optimal program, the borrower only needs to change the total amount of the loan and its repayment period. By changing these data, the system will independently calculate the amount of the monthly payment that the borrower needs to pay.

Why is the Renaissance cash loan calculator the best and in demand among borrowers?

The program can be used by any borrower free of charge. At the same time, it is not required to register on the website of a financial institution.
The formula by which the amount of monthly payments is calculated was developed by Renaissance Credit Bank.
All information on current programs and interest rates are updated daily by bank employees themselves, so the borrower can be sure that the calculations made on the site are correct.
The application calculates both annuity and differentiated payments in case of early repayment of the loan.
The application can be accessed from a home computer and the time of its use is not limited. Thus, a person can not waste time traveling to a financial institution and make payments in a calm, homely environment.
Using the program is so simple that anyone, even without experience, can handle this process.

The loan calculator can be used:

individual entrepreneurs;
pensioners;
military personnel;
Individuals and legal entities;
corporate clients;
cardholders of this financial institution.

Here is an example of a calculation:

We borrow 29,450 rubles for six months at a rate of 46% per year. According to these data, the amount of the monthly payment will be 5,587 rubles, the amount of the overpayment will be 4,075 rubles, i.e. 13.84% of the total loan amount. Thus, the total borrowed amount will be 33,525 rubles.
We also borrow 250,000 rubles for six months at a rate of 39%. The amount of the monthly payment in this case will be 45,532 rubles, the borrower will overpay 29,195 rubles, i.e. 11.68% of the total loan amount. As a result, the loan amount will be 279,195 rubles.
We take 200,000 rubles for 2 years at 15.9% per year. Thus, the amount of the monthly payment will be 9,783 rubles. The amount of overpayments will be 34,794 rubles, i.е. 17.4% of the total loan amount. Thus, taking into account all overpayments, a person will borrow about 234,794 rubles.

Calculator

Every self-respecting financial institution has a loan calculator. It is also available at Renaissance Credit Bank. The borrower has the right to use it on the official website of the financial institution.

For convenience, borrowers can use the form below.

The borrower only needs to fill in the empty lines, and the system will calculate the final result on its own.

To summarize: Renaissance Credit Bank provides borrowers with cash loans for favorable conditions. Therefore, most citizens, when they urgently need finances, apply for a loan in this financial institution. The main thing is to pay your bills on time and not spoil your relationship with the creditor.

Alexandra |

I took a loan from Renaissance Bank at 10.9%, they quickly issued it. I paid every month, but I would like to receive some kind of reminder or SMS notification that it is necessary to deposit the amount for repayment. I am a very busy person, I just forgot my business. I overdue the payment by 1 day, and everything is displayed in the history. Called GL, got no clear answer. Make notifications, then there will be less debts

Elena |

I took out a loan from Renaissance Bank. I looked at the rating of banks and settled on it. Since my "white" salary is small, I could not count on a normal interest rate. But it turned out that they take into account the entire total income. And I got an adequate overpayment on the loan. Also, online registration was a plus, since I don’t like to take a loan at a bank office, I feel like I’m asking for alms. And so in personal account I track everything, the payment schedule, the amount of overpayment, early repayment. Comfortable.

Svetlana |

I took a loan at 10.9%. I was pleasantly surprised by the efficiency of the bank, within 20-30 minutes my application was reviewed and approved. There are no hidden fees or additional fees at the bank. And monthly payments of the nominal amount specified in the contract, which is not unimportant. There was an experience of overpaying a loan and now I am scrupulous in this matter. I took out insurance with my partner. For registration, I did not have to stand in line at banks and waste my nerves. All you need is a desire, a passport, a phone number, and you can use the loan on the same day. Efficiency and service - that's what I noted. I think that I will continue to use the services of this bank.

Anastasia |

I recently learned about the services of this bank and took a loan “For Bank Clients” at 10.9%. I was very pleased with the efficiency of the bank, after 20 minutes I received a positive response. It should be noted that there is the possibility of early repayment, which is very beneficial as you get good savings on interest. Technologies in our time have advanced so much that you can get a loan on favorable terms without leaving your home, it is enough to have a passport and a phone with you and you can already manage the amount taken on the same day. I think that in the future I will use the services of "Renaissance". Efficiency and quality of service - that's what pleasantly surprised me.

Yuri Alexandrovich |

Karen:
I took a loan for 25 thousand from the Renaissance Bank, for a complete package of documents there is a chance to get a reduced interest rate, this is a nice bonus. I didn’t really like the manager who served me, I constantly had to pull everything out of him and ask, instead of telling everything myself. If this is not taken into account, everything went well, the loan was repaid on time.

Anna |

A long and pleasant cooperation with the bank was overshadowed by an unpleasant incident. I regularly repay the loan, and then in June I receive an SMS that the “Cl Deposit Retail” service and the “Fraud insurance GRC” commission have been repaid from the repaid loan amount, and, of course, there was an underpayment for the body of the loan. What kind of service, and who connected it to me in the bank can not explain. I wrote a letter, I've been waiting for a month. It's unfortunate that customers are being scammed like this.

Kseniya |

This is rather an isolated case, it all depends on the manager who serves you. I have been a client of this bank for 5 years. I have a debit card, and they have very good deals, I always use it. My personal manager is a great person, he always tells everything truthfully.

Kirill |

This is my payroll bank, so everything (loans, insurance) services are there. A distinctive plus for payroll employees in a significantly reduced rate on consumer loans. This is despite the fact that for a third-party borrower, even with a positive IC, the rate can be higher by 7-8%. They issue a loan to their people quickly, but it is not always possible to quickly get an answer to a question of interest. In particular, technical support is sometimes dumb, they don’t listen to you, they speak from scripts. You have to ask a question in a different form several times to get an answer. In general, low rates are great, but it won’t be superfluous to work on the service.

Denis |

I want to say that about "tupit" this is not only about technical support. I am also a client of the bank, and for a long time, I have a debit account here and I had a deposit. I decided to apply for a loan (Orel), the manager fooled me for 2 days. As a result, I had to change the department, where the process went faster and the rates were preliminary approved by 5% less than they said in the first department.

Vladislav |

To be honest, I don't understand what kind of low rates are we talking about here? The minimum they offer is 11%, but there are many difficult conditions for this, and it’s not a fact that they will be given, even if everything fits. But as for the competence of the employees here, I just like everything. But when I, a regular customer, was offered 23% per annum on a loan, I decided to say goodbye to them)

Vladimir |

I am very pleased that in Renaissance Bank you can really take a good amount of money on credit without any problems, if you fulfill the simple requirements for potential customers.
In general, I noticed that the online lending procedure in our country has made significant progress. Now you can get a loan via the Internet as easy as shelling pears, for this you don’t even need to leave your own room.
I won’t say that Renaissance Bank is something special among other banks, but I managed to get a loan here twice, and in both cases it did not cause problems and did not take much time.

Marina |

I can’t say that the rates are very low, but I took a loan “For Bank Clients”, it turned out to be very profitable - 10.9%. There was no need for a pledge and a guarantor, the only thing was that they nevertheless forced me to conclude insurance with my partner.

Alexei |

And they didn’t give me the lowest rate, although I have been serving at the bank for a long time. Perhaps due to the fact that the official income is not particularly high, but I think that 15% per annum is also a good option, and they gave it without insurance.

Ivan |

I have already taken an online loan from Renaissance Bank twice and both times successfully. Everything here is fast, simple and clear. I submitted an application for consideration, and within 20 minutes I already received a positive response. The first time I took it for a year, I paid it right on time. The second time I borrowed money here, I provided a full package of documents and received money at a reduced interest rate. There are no hidden fees or additional fees here. monthly payment the same as specified in the contract. There is also the possibility of early repayment, which is very beneficial as you get good savings on interest.

Alina |

That's just they just have a whole set of hidden fees and charges. Somehow I fell for them. I was seduced by a low percentage of household appliances in one of the shopping centers, with joy I did not read the contract. And there it is also written in small letters that, in addition to interest, I also have to pay a monthly fee for servicing the loan.

Natalia |

Thanks for the tip, otherwise I was going to take a loan from them, I’ll probably wait a bit, I’ll look at better offers.

Natalia |

I agree with you, in order to take a loan, this bank is not the best option, especially those who take a loan in electronics supermarkets should think about, here they will definitely rip off 3 skins.

Cash loan from Renaissance Bank The loan is easy to issue and repay comfortably if you are a pensioner. Yes, you can quickly realize your plans and help your family with our credit offer for distinguished clients.

Annual rate on the loan from 10.5%
Loan amount from 30,000 to 200,000 rubles
Credit term 24 to 60 months

General conditions and tariffs

Approval in 1 minute
Choosing the method of obtaining a loan (in cash or on a card with free annual service and the ability to withdraw cash from any ATMs in the Russian Federation)
"SMS notification" service
Registration is possible on the website or by phone 8 800 200 95 50
You can get acquainted with the bank's tariffs by the link
The offer is not a public offer. The decision on the loan is made at the discretion of the bank.

Required Documents

For pensioners by age (women from 55 to 70 years old (as of the date of application for a loan), men from 60 to 70 years of age (as of the date of application for a loan)) :

— Passport of the Russian Federation and an identity document (optional):

pension certificate (of the Pension Fund or the Ministry of Defense);
a certificate from the Pension Fund of the Russian Federation or a certificate from the military registration and enlistment office (for military pensioners);
international passport;
driver's license;
SSPGS;
certificate of assignment of TIN.

For senior citizens (women under 55, men under 60):

Passport of the Russian Federation and a pension certificate (of the Pension Fund, or the Ministry of Defense) or a certificate from the PFR or a certificate from the military enlistment office (for military pensioners).

How to lower the loan rate?

When visiting the bank, do not forget to take more documents with you - this will give you the opportunity to reduce the rate: passport; identity document; a document confirming employment; a document confirming your ability to pay. The more convincing your solvency in the eyes of the bank, the more advantageous offer you can get.
The final decision to issue a loan is made at the discretion of the Bank.

Late payment penalties

For late payment is charged: a penalty in the amount of 20% per annum on the amount of overdue debt on the principal debt and overdue interest.

An example of calculating the overpayment on a loan

Calculation example: loan amount 100,000 rubles. for 2 years with an interest rate of 11.3% per annum. The overpayment on the loan will be 12,193 rubles. For the entire period of using the loan, the amount of payment will be 112,193 rubles.
The calculation of the amount of the overpayment and the total amount of payments on the loan is approximate. The exact amount of the overpayment and the total amount of payments on the loan depend on the specific date of issue of the loan.

How to Apply

Friends, if you have any questions or clarifications, you can ask them below in the comment form.

Any citizen of the Russian Federation aged 24 to 70 can receive. Bank customers are granted credit from the age of 20. The minimum income of the borrower after payment of all taxes must be at least 12,000 rubles per month for residents of Moscow and at least 8,000 rubles for residents of other regions. Of the documents, an additional document is also needed at the choice of the borrower: a passport, a driver's license, a certificate of assignment of a TIN, an insurance certificate of a pension fund, a pension certificate. Must have a permanent job. The length of service at the last place of work must be at least 3 months. Loan processing is possible in the region of permanent registration or the region where the permanent place of work is located.

Tariffs and service

Credit can be obtained for a period of 2 to 5 years. The loan amount is considered individually and can be from up to 700,000 rubles. The interest rate ranges from 9.5% to 23.9% per annum. There is no commission for issuing a loan. For the delay in the monthly payment, a fine of 0.9% of the amount of delay per day is provided.

Loan repayment methods

Repayment procedure	Annuity payments
Early repayment	Full / Partial
Delay in obligatory payment	0.1% of the amount of overdue debt for each day
Payment Methods	ATMs and branches Renaissance
	Internet banking
	Cards of any bank
	Eliksnet terminals
	gold Crown
	Salons Svyaznoy and Euroset
	Sberbank Online
	contact
	Post office
	Terminals of MKB and SDM-Bank
	Accounting at work

Benefits of a loan at Renaissance Credit Bank

There is no need to confirm income, you can get a loan with just 2 documents. For reliable customers, the bank offers special conditions in the form of a larger loan amount, flexible interest rates. You can get a loan on the day of application. The percentage of loan approval in the bank is quite high.