Where to get money for free right now

Hello, dear readers of the RichPro.ru business magazine! There are situations when you need money right now. Not everyone has deposits or stash, where you can urgently take the right amount of money, for example, for a wedding, apartment, house or to start your own business from scratch.

Many have no idea where to quickly get (find) these funds and frantically sort out all the friends in the mind, remembering which one you can borrow from. Well, if there are at least a few days to search for money. And if only a few hours? Even if money is needed urgently enough, it can be obtained by legal means.

From this article you will learn:

Where to get the money right now;
Who can borrow money from;
Where to get money for free and is it possible to get it for free;
Where to get money if all banks and microloans fail.

So, let's start in order!

What to do if you need money? Consider the main ways where you can get money, even if all banks and microloans fail

1. Where can I get money right now - 8 useful tips

Some people mistakenly believe - to find money, you need to work as much as possible, and the only destiny of the unemployed is to beg. But this is completely wrong.

The opportunity to receive money from a non-working person exists always. You can, for example, get an inheritance or win the lottery. We talked about how to win a large sum of money in the lottery in one of our articles.

In the first case you need to have rich relatives who are ready to die in case of urgent financial difficulties of the heirs. BUT in the second - you need to be a big luck. And one and the other happens very rarely, therefore, as a way to quickly make a profit is not suitable.

So how to quickly take money to a person without working? Below you will find simple tips that will suit most people.

Tip number 1. Get rid of unnecessary

In the cartoon "Prostokvashino," the cat Matroskin convinced: "in order to sell something unnecessary, you must first buy something unnecessary". You just need to think carefully about what things have not been used for a long time, but are in good, working condition and can be useful to others. For example, for some reason you do not use your own car, you can sell it. How to sell a car quickly and expensively we already wrote in our last issue.

On the Internet, there are many free bulletin boards where ads are placed without leaving your home.

The main thing in this method is to make more high-quality photos of the things you plan to sell. After all, nobody needs a cat in a bag.

Note!
Of the two ads, the buyer will always choose the one with the photo, even if its price is slightly more expensive.

You can sell used equipment, clothes, shoes, crafts and anything else.

Selling over the Internet is not the only way to get rid of unnecessary things for a fee. They can also be attributed to the flea market, arrange a garage sale, or use the services of thrift stores.

Tip number 2. Pawnshop

If you don’t want to part with things forever, you can always lay them in a pawnshop and get a loan.

The attractiveness of this method is the speed of its implementation. They will not check the income statement, find out for what purpose the money was needed.

But the disadvantage is that everyone does not take pawnshops in a row. Most preferred jewelry, household or office equipment.

Note!
It is practically impossible to hand over clothes or shoes to a pawnshop; they are considered slow-moving goods and are not in demand.

Estimation of the value of a thing is also not pleasing, the real price for a thing in a pawnshop will not be offered. They carefully calculate the wear and tear and even lower the price for jewelry with a tag.

For the redemption of goods from the pawnshop, a certain period is set, after which the thing is put up for sale.

If the pledged item is needed and you want to return it over time, but you can’t do it in time, you can only pay interest on the loan and extend the term of the pledge.

It is important to be able to evaluate your chances, regular trips to extend collateral relations in a pawnshop will lead to the fact that a person will not earn, but, on the contrary, will only be spent.

Tip number 3. Create what you can sell

It’s worth approaching the issue of sales creatively and do something really unusual.

You can, for example, create a notebook of ten desires, beautifully design each page and think out unusual texts on each.

Such a useful and creative hand-made will be delighted by any representative of the weaker sex. And, therefore, buyers for this kind of product are definitely there.

This method is especially good on the eve of International Women's Day or Valentine's Day.

Tip number 4. Borrow from friends

A good way for those who have financially secure friends. But you need to be prepared to be refused and not be offended by them.

Modern people rarely keep money at home, they understand that it is safe and profitable to deposit funds and receive a stable income. Accordingly, few people will want to withdraw the deposit ahead of schedule and lose interest only in order to help out a friend.

Take note!
If friends do not differ in wealth and lend the last money, then it is highly likely that the lender will demand a refund before negotiated string.

In order to use this method, you need to prepare a convincing story (or legend) why you urgently needed money.

Nobody wants to take on unimportant goals.

In addition, nothing spoils the relationship so much as untimely repaid debts. The borrower risks irrevocably losing friends, and they are known to be more expensive than money.

Tip number 5. Property for rent

It all depends on the place of residence and the availability of an alternative place of residence.

Here are some suggestions:

1) If there is a cottage in the country, in the warmer months you can move there.

Of course, this will create some inconvenience, but financially, this decision will be immediately justified. After all, housing is rented only on a prepayment basis and often for several months at once.

Do not forget that you can rent out the cottage directly. If it is located in an ecologically clean place, near a reservoir or forest, there will be many people who want to spend summer there.

If there is no cottage, the option to rent the property still remains.

2) You can rent one of the rooms of the apartment.

This of course will bring some inconvenience to a measured life, but you can monitor the condition of your property on a daily basis and not think about how carefully the tenants treat it.

3) If the apartment is located in a prestigious area, then you can rent a house on the outskirts, and rent your own.

The difference between the cost of renting apartments in different parts of the city can differ by two to three times, the main thing is to monitor the prices well in advance.

Tip number 6. Recycling Materials

The first thing that comes to mind is homeless people collecting bottles. This, of course, is also an option, but far from the only one. A couple more tips:

1) You can collect waste paper.

Each apartment has deposits of old newspapers, magazines, books and other paper products that will never come in handy. As a favor, you can help your neighbors get rid of such trash.

People will gladly get rid of trash and give it to strangers, just not to wear it themselves.

You can also take free newspapers and advertising flyers and turn them in for waste paper for money.

2) You can collect plastic, glass, scrap metal, wood, etc.

But you need to store it somewhere, at the pick-up point every day to take a little bit is simply inconvenient.

How to quickly find a job, to urgently complete it and get paid right away - 5 great opportunities

Tip number 7. To find a job

It is a mistake to assume that work is limited to the payment of wages once a month. There are many ways to get paid. right away after completing the assignment.

Opportunity 1. We distribute flyers or advertising booklets

Payment for such work is not high, but this activity does not imply the availability of skills and experience.

Salaries are issued every day upon completion.

You just need to stand in a crowded place and give out advertising to people.

Good oratorical skills will become a plus if a person knows how to interest passers-by and beautifully talk about the advertised product - such an occupation will take a matter of hours.

But the absence of a well-delivered speech will not become an obstacle; flyers can be handed out silently. This will take a little longer, but will not affect the payment.

Opportunity 2. Cleaning

Organizations providing cleaning services charge a high price for their services.

Full cleaning of the apartment is paid well. Therefore, having worked qualitatively a day, you can earn from several hundred to several thousand rubles. It all depends on the amount of work.

And if the owners really like the quality, it is possible that they will invite a person on an ongoing basis or recommend using his services to friends, which will ensure a stable income.

Opportunity 3. Assembling furniture

The case is complicated at first glance, without experience it is impossible to fulfill it yourself. But furniture collectors often need helpers.

Such work, in addition to daily income, is also good with useful skills.

After working for some time as a helper, a person will learn the intricacies of assembling furniture and over time will be able to provide this kind of service himself.

You can also get a job as a construction worker. Work is hard, but in demand.

Opportunity 4. Care

It is a mistake to think that you can only care for the elderly.

Leaving for vacation, many need to find someone who will take care of domestic plants, pets, aquarium fish.

Performing such work is simple and profitable.

Opportunity 5. Speculation

In simple words - a purchase with the aim of selling more expensive. You can resell everything that is in demand.

For those who are able to wake up at dawn and own a vehicle, the ideal option would be to buy products in the village and resell them in the city.

Residents of megacities are very fond of buying homemade milk, eggs and other products, but they are too lazy to travel to buy them.

Such work will take hours 5-6 in a day. If you work hard every day soon, all the products will be bought only by regular customers.

You can resell household appliances, office equipment or cars. truth you can’t do without investments, for the first purchases of goods money will definitely be needed.

You can read about how and where to look for work in the article here.

Tip number 8. Make Money Online

Today, anyone can find real money on the Internet without investments and deception. Here there is where fantasies can roam.

We will analyze working and profitable options:

Option 1. Create your own website

A laborious and lengthy process. Requires special knowledge. It is long-term, as a way to make money fast is not suitable. But it promises subsequently to bring a stable income constantly.

We advise you to read step-by-step instructions on how to create your own site for free from scratch and promote it on the network.

Option 2. Remote work as a manager

Jobs are on a variety of message boards and online stores. You can try to open your online store. It does not require large investments, while the profit can be very substantial.

Working remotely as a manager, you need to accept and place orders, advise clients, etc.

To do the work, it is enough to have several free hours per day, as well as a laptop or computer with Internet access.

Option 3. Self-organization of purchases

These may be now popular joint purchases. Their essence is to buy goods from the manufacturer at a wholesale price. To do this, you need to collect those who want to, take orders from them, form them into one and buy the goods at the wholesale price.

For services, the organizers of joint purchases take from 10% to 30% of the value of the thing.

Thus, customers receive goods at a price lower than the retail price, and the organizer, without investing their own funds, makes a profit for the work.

Option 4. Shopping on foreign sites

Discounts on overseas sales reach 90%, the main thing is to know where to look for them.

Option 5. Freelance

One option for remote work on the Internet is freelance. This is a rather interesting option of working at home without investments and deception, which is suitable not only for mothers on maternity leave, but also for students, teenage schoolchildren, beginning businessmen, etc.

For instance, copywriting and rewriting (writing texts). For those who are fluent in Russian, this method is suitable ideally. It takes a few hours for a syllable master to write an article.

It is not necessary to own the subject, it is enough to have access to the Internet and be able to correctly read what you read in your own words.

The advantages of such work in the free schedule. You can work at least during the day, even at night. The main thing is to submit articles on time. Payment is almost always made immediately after checking the work by the corrector.

This type of activity can be called as remote work without investments.

But even if God deprived the writer of talent, you can earn money by completing simple tasks: likes, reposts on social networks, polls able to perform any high school student. Such work cannot be called highly paid, but it is easy and fun to do it.

Option 6. Referrals

So called partnership programs. Website owners pay generously for each customer they attract.

The method is quite promising, but not fast. You need to constantly search for sites and place referral links on them, for clicks on which they will gradually drop money into the account.

Option 7. Forex

Perhaps the most profitable of the above ways to make money on the Internet. At first glance, nothing complicated: you invest money - you make a profit. We advise you to read our article: “Where to invest the money to make it work” - it contains a lot of useful information for beginners.

In reality, only those who have an analytical mindset, have passed preliminary training and are able to calculate the situation ahead can make money on Forex. There are many examples of Forex earnings, but there are even more examples of making big losses, and there simply can’t be any other way in the financial market, because money flows from some who lose to others who earn it.

Option 8. Teach others

The most common method is tutoring. You can learn not only foreign languages or school subjects, but everything that you own perfectly. It could be playing musical instruments, art of seduction or driving lessons.

Option 9. Settled by a nanny

A very popular job.

Young parents often face the fact that they need to leave the child for several hours, and not with whom. Shopping trips with the baby turn into torture, but you have to forget about the cinema and the beauty salon.

Such people have no need or opportunity to hire a highly paid full time nanny. They need a man who is ready a couple of times a week for a walk with a peanut.

This work does not require special skills, it is enough to be calm, balanced and at least a little bit to love children.

Microloans as a way out of a situation where money is urgently needed

2.Microloans - a quick way to get the necessary amount of money in debt urgently

If there is no opportunity or desire to borrow from friends, there is nothing to sell, and the next lottery ticket turned out to be non-winning, you can urgently receive cash using a microloan.

Advertising about affordable microloans is found on almost every corner. Seductive appeals guarantee quick money. Even unemployed people and people with a negative credit history can borrow money from such a loan. We talked more about loans with bad credit history in the last issue.

Title "micro" speaks for itself - the loan amount is small, mostly up to fifty thousand rubles, but in some cases, the size of the loan may be much larger.

Microfinance is becoming increasingly popular among the population. Previously, people were suspicious of microloans, feared high interest rates and insecurity. But the availability and security of this service gradually gained their trust. Now many short-term bank loans prefer mini loans in MFIs.

2.1. Advantages of Microloans

Let's look at the main advantages and nuances of the microfinance system:

The speed of clearance. No need to wait for several days for approval by different specialists. Funds are issued almost instantly, usually within an hour from the moment of circulation.
Enough passport. A microloan company does not require income statements or other documents. It is enough to provide a single document - a passport.
No hidden fees. All amounts that are refundable are indicated in the contract. Payments are divided in equal parts for the crediting period. At the time of registration, the borrower clearly understands how much he needs to pay monthly to fully repay the loan.
Availability. There are a lot of points of delivery in any city, there is no need to go from one end of the village to the other.
Confidentiality. The borrower does not ask for what purposes the money is required. It does not matter. In addition, a surety is not required, which means that none of the outsiders will be dedicated to the history of lending. The loan will be known only to those persons whom the borrower considers it necessary to personally inform.
Possibility of getting online. Some companies offer microcredit without the presence of a client in the office. An application is submitted online and is also considered, and funds are transferred to a bank card. It is also possible to repay the loan in this way, you can transfer funds from a bank card while sitting at home at the computer. Read about the features and stages of obtaining online loans on the card in a separate article in our magazine.

There are a lot of companies providing microloans. Your task is to choose an option with favorable conditions, spending a little time on analyzing the microloan market.

Moneyman - The company fully serves customers online. After registering on the site and filling out the application, the decision will be ready in 15-20 minutes. Loan terms: The amount of the first loan is up to 10 thousand rubles, and subsequently up to 70 thousand rubles. The percentage for the day is 1.85. Money is transferred at the request of the client to a card or account.

Kredito24 - the company provides microloans within 10-15 minutes. Simply fill out the application on the site. Early repayment or extension of the loan is allowed. Conditions: amount up to 30 thousand rubles. The term is up to 30 days. Credit history is not checked, confirmation of solvency is not required. The loan is provided by passport.

Lime-zaim - the company provides loans on the following conditions: amount up to 30 thousand rubles. (at the first appeal of 9 thousand rubles).

The rate is individual for each client. The average daily rate is 2.16%. Quick decision making, instant loan issuance.

2.2. Microloan Tips

When deciding to take a microloan, you must remember the following:

The interest for using such a loan will be abovethan for a regular bank loan.
Large penalties for late payments. Payments must be paid on time, or better yet, a few days before it ends. On the last day, payment may not take place for any technical reasons and payment of a penalty will be inevitable.
If there is no opportunity to pay the full monthly amount, interest must be paid. The debt body will not decrease, but no interest will be charged.
In the case of applying online, you must go through the registration procedure. And this means that you have to enter your personal data. Internet fraud is now gaining momentum every day, so there is always a risk that personal data can fall into dishonest hands. Before making a microloan, it is better to spend a few minutes checking the borrower's reliability: call the specified number, google the address and find out if this microfinance organization (MFI) is really located in the specified place.
If credit funds are transferred to a bank card and not issued at the cash desk, the bank has three banking days to process the payment. And if the transaction is delayed, then for using the loan, interest will begin to accrue earlier than the funds are actually received.
Do not borrow more than you need. "Extra" money will be quickly wasted, but you still have to give it away, besides with interest.

14 ways where to get (get) money quickly and legally

3. Where to get money for free and for free - 14 proven ways

Earn without effort and with certain abilities, of course it is possible:

Can buy tarot cards, open chakras and start to predict a bright future for others;
Can become surrogate mother and carry a child to strangers;
Winning a lottery or gambling will be able to replenish the budget immediately and possibly without tax deductions to the state.

But all these ways illegal, and their application can lead to places not so remote.

We consider only those that really help fast and legal get the money.

So, go to them!

Method number 1. Donation

The method is suitable for physically healthy people.

Gratuitous this method can only be called conditionally, because the donor always gives his material in return for money. But special efforts and time for its application are not necessary, with the exception of organ donation. But, Firstly, authorities are not allowed to sell in our country, and this article only discusses legitimate ways to make a profit. BUT Secondly, This is a very lengthy procedure, it may take several years from the first tests to the moment of selecting the right candidate.

And here it’s possible to pass blood or plasma in a couple of hours. But in search of a clinic where they buy expensive blood, you also have to spend time. Very often, such procedures are generally free or the cost is so low that it makes no sense to spend money on travel to the transfusion station.

Important!
We must not forget that more than once a month you can’t give blood, it is harmful to the body.

You can sell hair. But only those that grow on the head. Selling vegetation from the rest of the body is not in demand.

Long, strong, healthy and most importantly unpainted hair will be bought for a decent amount. Different salons offer different prices for hair. If there is time, it is better to monitor the cost in different places and choose the most expensive.

The disadvantage of this method is that you can use it once every few years and then wait until the hair grows back.

The most expensive method is sperm donation. IVF centers buy male seminal fluid expensively. Female eggs are also in demand, but for obvious reasons, donating them is not as easy as sperm.

Choosing this method, you need to understand that the biomaterial is taken not just like that, but for reproduction.

Method number 2. The experiments

For conducting scientific or medical testing on the human body, large, and sometimes even very large amounts are paid. But before starting this procedure, each person signs a document stating that he has no complaints about its consequences.

Note!
Often, the restoration of normal life is more expensive than the amount that you managed to earn in this way.

Method number 3. Become a model

With this idea, you need to go to an art salon and offer them your beautiful body. A good way for those whom nature has endowed with an ideal figure. But if it is not possible to maintain a uniform without a gym, then the money earned will be enough only to pay for sports classes.

Method number 4. Ask for money for free

Relatives, friends or just acquaintances can give a small amount of money not in debt, but simply gratis.

It is very important to be able to ask and tell correctly why the money was so urgently needed. It is clear that no one will give anything to buy another bag or pay for a game of tanks for nothing.

People around willingly share money for treatment and all sorts of romantic little things. But lying about health is not worth it, it is unethical and mean. But amorous affairs to weave is always appropriate. Many, not even as a favor, but with pleasure, will slightly sponsor the embodiment of unusual romantic ideas.

It is also worth mentioning the collection of funds through crowdfunding platforms. What is crowdfunding we wrote in one of our issues.

Method number 5. Strain your memory

There were not always financial difficulties. Perhaps in the past there were “forgetful” debtors and it was time for them to remind themselves.

Method number 6. Ask the state

And it's not a joke. The main value of the state is people. Many programs have been developed to help the poor. Consider the most important:

Federal service for labor and employment guarantees job search assistance. At the same time, the time of such searches is paid. You can’t “gamble” on unemployment benefits, but this is better than nothing at all. This option is not for the lazy. For registration, you will have to run for inquiries, and then regularly come to check in to the service. After all, their goal is not to provide the unemployed with money, but to help get settled in their specialty.
Subsidies. It would seem that what can they have to do with earnings? But if you calculate how much a month is spent on utility bills, perhaps the reason for the ongoing financial crisis will become clear. Subsidies will help reduce housing costs. This means that there will be a little more money in the wallet for other expenses.
Development of your own business. The state allocates seed capital for the development of small and medium-sized businesses. It is not enough just to have a business idea in your head; you need to be able to present it correctly. Write a business plan - a sample with calculations, calculate costs and planned revenues, the payback period of the project. To obtain a government loan for business development, you must lawfully pay taxes. If there is a tax debt - the business plan will not even be considered.

Method number 7. Credit card grace period

To obtain a bank loan for a short period, it is not necessary to go to the bank each time. It is enough to get a credit card with a grace period of repayment once. If you disciplinedly return the dogs in this period, there will be no additional overpayments.

Initially, the credit limit usually does not exceed 10 000 rubles. But stable timely repayment of debt leads to a gradual increase in this limit.

It’s useful to know one trick: you can have several credit cards.

The scheme is simple: we withdraw funds from the first credit card, use the grace period, and when it ends, we withdraw from the second, pay off the debt on the first and so on.

But you need to understand that an error in calculating the end of the grace period at least for one day will destroy the whole scheme. Interest will be charged for late payment and it will not be possible to avoid overpayment.

Best Credit Card Deals:

Alfa Bank offers several lending options: 1) Classic visa card with a limit of up to 300 thousand rubles. and a period of interest-free use of the card 100 days. 2) If necessary, a large cost of money draw up a card "Gemini". On it you can issue a limit of up to 600 thousand rubles. Basic conditions are standard.

An application for a card can be issued online. Loan amount up to 350 thousand rubles. Installment plan for free. Issuing, maintaining an account is also free.

Sovcombank offers a new Halva installment credit card. In the interaction of retail outlets and the bank, the client is provided with installment plans for the purchase 12 months without a rise in price of goods. Calculations are made by Halva card. With this card you can pay for all purchases without down payment, the main thing is that the store is a partner of the bank.

Tinkoff Bank - issuing a credit card online. Enough registration on the site and writing a statement. To consider the application requires a passport and another document. The decision to open a credit limit is made within 15 minutes. The card can be obtained at the bank office or delivered at the place of demand (the service is free).

VTB Bank of Moscow offers to get a credit card with a funny Russian name "Matryoshka". You can order a card on the site online.

A cash back of 3% of all card payments is offered. The limit on the card is 350 thousand rubles.

The first year of service is free, in the next two years free service for card transactions in the amount of min. 120 thousand rubles in year. An interest-free period of 50 days.

Method number 8. Ask for help online

Do not confuse this method with fraudulent schemes that are replete with a worldwide network! It's about the request, so we immediately discard any untrue compassionate stories about a dying relative.

Optimally ask for women's forums, the contingent there is compassionate. The main thing is to think through your request to the smallest detail, to be able to interest the interlocutors, to stand out among the rest.

There are quite a lot of people on promoted forums, and even if every third person sends 10 rubles each - the amount will be impressive.

This method also works well if you urgently need money to buy a certain thing. for example, the only sneakers tore, the baby will be born soon, but there is no crib, nothing to wear, etc.

If you correctly voice your problem on the forum, then a lot of visitors will gather to help solve it. Surely someone will have extra sneakers of the right size, an unnecessary crib that no one has taken out for a long time, etc.

Method number 9. Find a treasure

And it's not a joke. Will help in this metal detector. It’s clear that every person doesn’t have it in the pantry, but finding this device is not problematic, there are many offers for sale and for rent in RuNet. And even if there is no money to rent, you can always agree on a temporary exchange for one of your own things.

This is one of the most pleasant ways to earn money: he took a metal detector and went through the fields and meadows to breathe fresh air. He cleaned the device - the goal was achieved, it remains to dig up the treasure and, according to the legislation of the Russian Federation, give half to the owner of the land in which he was located. But the second half remained, isn’t it a freebie?

Method number 10. Begging

Begging was a criminal offense during the Soviet era, but now the law does not prohibit us from asking our neighbors for help, which means that this is one of the legal ways to earn money. He also needs to be approached creatively.

Of course, you can just stand with an outstretched hand in the transition, but it will not be as effective as taking a guitar and show your talent or make up in a live statue and amuse others.

Method number 11. Talk show

This method of earning is gaining more and more popularity. A person simply participates in the filming of the program, the cost depends on the role to be played.

For participation in the filming of a TV show as a mass viewer they pay from 150 to 500 rubles.

There are practically no special requirements for extras; it’s enough to look decent and listen to the director.

It is much more profitable to play the role of the main character, for this work fees from a thousand to several tens of thousands of rubles are paid. But it’s not easy to get into such a role;

Method number 12. Marry by calculation

The easiest way to get rich. Suitable for both women and men. How to get rich and get rich from scratch, we already told in one of our issues.

Along with decent money, you can get a bunch of additional bonuses: status in society, the ability to eat well, relax in expensive resorts.

But to call this method the most profitable method of earning does not work, because it has one significant minus. Announcements about the search for a poor partner in life can not be found either in newspapers or on the Internet.

Method number 13. Become a YouTube star

Successfully shot and uploaded to the web, the video will turn from an ordinary person into a popular and recognizable one.

Even teens know that for clicks on ads when watching videos this resource pays money.

CPC depends on the age of the channel, the number of videos posted on it, as well as interested subscribers.

For more information on how to make money on YouTube and how much YouTube pays for watching video clips, read one of our articles. It has a lot of useful information for those who want to start from scratch.

Method number 14. Take a bank loan

Most of the money is stored in financial institutions, namely in banks.

Banks are specifically designed to lend money at interest.

Another bank destination - storage of savings at interest, but in the context of this article, it makes no sense to consider it.

Banks give loans for cars, apartments, furniture, leisure, repairs and even for treatment. By the way, in more detail about how to buy an apartment on a mortgage - where to start, we told in one of our articles.

The benefits Bank lending in comparison with a microfinance organization (MFI) is a low interest rate and a long loan term. The bank does not give out money to everyone.

The main criteria for issuing a loan in Russian banks

The borrower must meet the following criteria:

Have an official stable income. It is confirmed by a certificate of income for the last six months from the place of work. Without this document, a loan will not be issued unambiguously.
Having a positive credit history. Moreover, not every individual bank keeps a credit history. All these institutions are combined into one register, data on each loan are entered into it. It indicates whether the debt was repaid on time, whether there were delays, all negative nuances are displayed.
Guarantor. This is a person who warrants to fulfill obligations instead of the borrower if the latter does not pay on time. In the case of obtaining a loan for a large amount, the bank may require to find several guarantors. And this is quite problematic, even native people do not want to take the responsibility to fulfill other people's obligations.
Pledge. It is indicated not in all, but only in loan agreements for large amounts. As a pledge, you can issue both real estate and vehicles. You need to understand that in case of non-payment of the loan, the bank will take the collateral property for itself.
Insurance. It is important for the bank that the borrower be safe and sound until the fulfillment of obligations. Therefore, often the issuance of a loan is possible only after issuing an insurance policy. And this is an additional cost.

Today, the following banks offer the most advantageous loan offers:

AT Sovcombank You can get a loan for various purposes: the purchase of a car and an apartment, for large expenses and urgent needs. Loans are issued with a minimum package of documents to employees and retirees up to 85 years old.

Alfa Bank - One of the most reliable and sustainable credit organizations in the country. Has been working in the financial market for over 25 years. Provides cash loans for any purpose up to 3 million rubles for a period of 1 to 5 years.

VTB Bank of Moscow - strong and reliable bank. Provides a wide range of different loans. Consumer loans to individuals are provided in the amount of up to 3 million rubles. with an interest rate of 14.9% per annum.

We also wrote about which banks give loans with bad credit history and delays in a separate article - we recommend reading it.

How to get a loan at the bank - 2 simple tips for the borrower

How to apply for a loan:

Read the contract carefully. Even if a bank employee says that the contract is standard, everyone signs it and no one has problems. You need to read every line, especially what is written in small print. The borrower must understand the terms of early repayment, are there any additional services and how they are charged, late fees, etc.
Choose the best loan program. Each bank has several lending programs. You just need to take a calculator and carefully calculate which one to use the most profitable.

Remember the simple rule: the simpler and faster to get a bank loan, the worse its conditions and the greater the interest overpayment.

Good advice: It is better to spend several days on paperwork, but get money on more favorable terms.

Details on where and how to get a consumer loan at a minimum interest are described in our separate article.

Where to borrow money urgently with a bad credit history, if they refuse everywhere - more on this later

4. Where to get money if all banks and microloans refuse - 3 ways out of a situation where money is urgently needed

If your friends refused to borrow, your credit history let us down and we didn’t give a loan, but it didn’t work on the Internet, you should not despair. There is always a way out and, as a rule, not one. It is only necessary to search it thoroughly. What to do in case of refusal of lending by financial institutions?

Way out 1. Ask for a loan from a private investor

Private investor - This is also a lender. Why not turn to him? He also does not need income certificates, a passport is enough. But you have to tell why money is needed and from what incomes it is planned to return it. Without a convincing story, one should not even turn to private traders; there will definitely be a refusal.

Features of obtaining a loan from a private investor:

If there is a deposit - the chances of getting such a loan are high. But there are risks too. We talked about how to get a loan secured by real estate without proof of income in a previous publication.
Investor honesty is very difficult to verify. Fraud in this area is booming. It is worth looking for reviews of real people who already had a positive experience of partnership with this person and characterize him on the positive side.
Receipt. Without this document it will not be possible. The first enemy in signing this document is inattention. Every word, especially what is written in small handwriting, needs to be studied and understood all the nuances.
Mortgaged property. A private investor does not do charity work. He makes money and will not risk it. Secured by funds, he will need property. If the debt is not repaid on time, the ownership of the collateral will be transferred to the investor.

Borrowing money from a private person against a receipt is worth it only when there is no other way out. Because the terms of lending to private investors are the most disadvantageous and risky. Read more about loans from individuals in one of the articles of our magazine.

Exit 2. Ask for a loan on the Internet

At first glance unbelievable, but you can borrow money even through the Internet. Will help in this P2P lending - This is a specialized site where investors and borrowers find each other. The site itself acts as an arbitrator and mediator.

The site has a rating of participants, often the first lending is made by the site itself and only in case of a positive assessment of the loan return to the borrower provide the investor.

Rating system - This is a kind of "credit history" of the participant. Fulfilling good faith obligations, it is quite possible to constantly use P2P lending.

Exit 3. Use tips from the Internet

The tips below are dubious.

1) Win poker

Cards are able to make rich instantly. It will take a little time for the game, some few hours. According to the proverb, newcomers to this game are always lucky. But luck is not the only thing you need to win a big jackpot.

You need to be able to think logically and navigate the rules of the game.

In an emancipated society of the 21st century, it is possible to play gambling online while sitting on a sofa at a computer.

2) Make a bet on sports in the bookmaker

Bookmakers currently offer players just a huge number of sports and leagues for forecasting. Experts say that it’s realistic to earn money at any rates. In detail about what sports betting strategies exist and how to place bets in bookmakers via the Internet, we previously spoke in our article.

5. Conclusion + video on the topic

There is no universal answer to the question: where to urgently take money and not return it. It’s best to have a well-paid, beloved job. The social package and stable salary allow you not to think about the problem of lending.

But if the income is still unstable, there are no savings, and funds are urgently needed, there are always a lot of ways to find the required amount in a short time. You should remember simple rules that will help to implement each of them as efficiently as possible:

You need to have a flawless appearance. Appearance is a business card of a person. It is much more pleasant to help nice and friendly people.
Correctly ask for help. This must be done so that the opponent has the opportunity to refuse. Tune in advance that the answer to the request may be negative, do not throw a tantrum if it turned out to be such. This will help keep friends. Who knows, maybe next time they will help.
It’s good to report mutual assistance, this encourages the interlocutor to make a positive decision.
Constantly use a freebie does not work. Friends and relatives can free of charge help out of a difficult financial situation once or even twice. But they will not do this on an ongoing basis. And if you ask for help for nothing, you can get a refusal in a situation where it is really very necessary.

At the end of the topic, we suggest you familiarize yourself with the video material "12 ways where you can get money":

The desire to quickly find money on any conditions never arises out of the blue, he always has a reason. It is important to be able to correctly prioritize and figure out whether this reason is really so important that in the pursuit of a quick ruble, you should agree to any of the above methods.

The team of Rich Pro magazine wishes its readers good luck and success in resolving monetary issues. We will also be glad if you rate our article and leave your comments and comments on the topic of publication.