Rating of the best 7 stocks for loans without interest

Take a loan without interest? Is it possible? Yes, perhaps, if we are talking about microloans, which can be obtained very quickly, but under certain conditions:

  • you are applying for a loan for the first time at a financial institution or have a corresponding action announced in it;
  • a passport with registration is required;
  • the size of the loan does not exceed the amount fixed by the financial institution;
  • term does not exceed 30 days.

To find out where to borrow money at 0 percent, you can find on the site frombanks.ru (all loans collected without interest). As a rule, these are microfinance organizations (MFIs) specializing in microloans for the population, there are many such organizations, but there are 18 of them on the site, all of which are listed in the State Register of Microfinance Organizations of the Central Bank of the Russian Federation. Read the terms of a loan without% from seven proven best financial institutions.


Conditions for obtaining a loan without%

Conditions for obtaining a loan without%

The main condition for obtaining such an interest-free loan is the first application to a financial institution for a loan. The first transaction without interest is the action of attracting new customers to the services of such organizations, with the hope of further cooperation with them.

The main advantage of shares held by MFIs is the simplicity and speed of processing for one client document (passport) and the possibility to apply for a loan online.

In the case of approval of the application, which is several minutes, the client receives the requested amount on the card or e-wallet of one of the electronic payment systems (Yandex Money, ), in points of issue of money transfer systems (Contact, Unistream or Golden Crown) or a bank account.

A considerable advantage of these shares is the possibility to issue and instantly get microloans around the clock (24/7), which is especially important for clients in critical financial situations when there is no opportunity to borrow from friends or acquaintances.

Virtually all MFIs issue microloans, disregarding the state of the borrower’s credit history, but the borrower must be of legal age.

The procedure for registration of a loan at zero



Loans online without% begin with the application on the site chosen by you, the MFI. The application shall include the last name, first name, patronymic name, passport details of the applicant, the amount and term. You also need to confirm the phone number to respond to the application submitted.

Consideration of the application takes from different MFIs from 1 minute to half an hour. If the application is approved, your contract with the terms of their return will come to your smartphone. The signing of the contract can be e-signed or a special code from the MFI sent to you by SMS.

To receive money without a commission, you must open a personal account and link a card. Linking a card is very simple; it is enough to provide the card number, its validity period, the name and surname of the card owner as it is recorded on the card. Similarly, you need to do when sending money to electronic wallets. To confirm card ownership, the MFI will block the amount (no more than 10 rubles) in your account, the exact amount of which you will learn from the SMS from the bank. This amount will serve as the card verification code for the MFI.

If the funds are transferred through the transfer system, the number of the money transfer in the system you choose will come to your phone as an SMS and an e-mail. You can receive money in one of the money points of this system.

MFIs with no interest loans


Below are the proposals of MFIs that provide money on the card for clients who immediately issue their 1 loan.


On the main page of this company posted advertising slogan: First loan – free 0% rate for new customers.

To get started go register on the site. Give the name, surname, e-mail and your phone number. Choose a password and go to fill out the form. The questionnaire reflects full passport data, indicated TIN and SNILS, social status, address of residence and methods of communication with the client.

The next step is the choice of how to receive money. offers four ways: to a card, Yandex Money, , Contact, or a bank account. After selection, an instant transfer of funds to the specified means of payment.

The amount on such conditions ranges from 2,000 to 15,000 rubles with a maximum maturity without overpayment of 15 to 30 days. Repayment of debt at the end of the term in cash or cashless form. The campaign of the company, “The first loan is free!” Is unlimited. The reviews for this company are mostly positive.


Advertising slogan on the site: Get every loan without interest! In accordance with the calculator on the main page of the site, an MFI at 0% issues a first loan to a client from 3,000 to 30,000 rubles for a maximum of 14 days.

Registration of the loan online with obligatory registration on the website of the organization according to the algorithm specified above. Consideration of the client’s application is carried out within a few minutes; an SMS message will be sent to the phone on the phone’s results. To get a loan you need to activate it via an SMS message GREEN 6000 to the number 8 983 320 10 40, where 6000 is the declared amount.

The money will go to one of the four selected forms to receive them. Money is transferred instantly, but for this commission will be charged:

  • to a bank card 3.5% of the transfer amount;
  • Yandex money from 2.0 to 3.5%; on wallet from 2.0 to 2.5%;
  • through the Contact system from 2.0 to 3.0%.

Only a transfer to a bank account is free, but it will not be a quick transfer, it can take 3-5 days. The maturity of the debt is calculated from the moment the funds are received in the bank account. MFO «Vivus» informs about commissions when crediting money to means of payment. Most companies are silent about this.


According to the company, the main criteria for its work are quality and efficiency. This Moscow microfinance organization in the microloan market since 2012. She, like many other MFIs, offers zero-interest loans to her new clients. The terms of the microloan “First without a commission” make it possible to get a loan in the amount of from 1,000 to 30,000 rubles for a period of 1 to 30 days.

The loan is issued according to the standard scheme:

  • registration on the site with an indication of their data;
  • receiving confirmation via SMS;
  • signing a contract;
  • opening a Personal Account on the site;
  • the choice of the method of obtaining money;
  • bank card binding;
  • activation of the loan and confirmation of the card being submitted to the applicant for the loan by SMS to number +7 913 913 5020 ZAEM 30000;
  • getting money on the card.

Getting money in other ways is similar to the previous transfer methods to MFIs.

The main difference of this company is the method of debt repayment annuity payments, and most other financial organizations repay at the end of the term by a one-time payment. This is due to the larger amount of microloans than other companies, issued by Sms Finance to its clients (up to 30,000 rubles) for a period of up to 30 days. The fee for express transfers is charged by all means, except for transfers to a bank account, as well as from the previous Vivus company.

Testimonials for this company contain information on loan denials due to bad credit history.


Another Moscow microfinance organization offers to everyone who draws up a loan for the first time from her the terms of an interest-free loan of no more than 10,000 rubles for a period of no more than 15 days. To do this, the client must be over 18 years old, have a passport. Designed by previous MFIs. The difference in how to get money, the company does not transfer money to e-wallets. On the other hand, cash can be received through three systems: Contact; Unistream; Gold Crown.

offers the smallest loans at 0%, up to 10,000 rubles.

Online loan service of MFC

This service has been serving clients since 2012 in Moscow and online in Russia. The first loan is free to everyone – the slogan of the first page of the company’s website.

The maximum amount and terms of a free loan are: 30,000 rubles for 21 days. Very good conditions for the first time.

Registration of the application online, its consideration, linking the card to the company’s website and methods of issuing the standard. From differences it should be noted the possibility of obtaining a loan to the card “MIR” and the absence of the Unistream company in the transfer system.

Customer reviews of financial services are more positive.



A microloan “New customers without%” is offered on the following conditions: the largest amount of 15,000 rubles for a maximum period of 30 days.

The application is processed online for Visa, MasterCard, MIR cards through the Personal Account opened on the website. You can also use the wallet, if you have an account with the borrower for which the registration form of the network is filled in on the website. Finally, you can get a loan to a bank account.

The application is processed in automatically, within a few minutes the applicant receives an answer and can update the loan on the chosen option to receive money. With all methods commission is not charged.


Russian market since 2012. The category of free loans includes his microloan “First free for 30 days”. An interest-free loan can range from 1,000 to 15,000 rubles at most with a maximum maturity of 10 days. This promotion is unlimited and is valid only for new customers. Citizens of the Russian Federation may be clients of the organization, “provided that at the time of filing an application for a microloan the specified person was 19 full years and not more than 100 full years” (explicit discrimination of long-livers who turned more than 100 years). 

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