How to get the best (profitable) loan for pensioners - 5 stages of obtaining + TOP-7 banks with a low interest rate on a pension loan

Hello dear readers of the online magazine "Rich Pro"! Today we will talk about how and where it is profitable to take a loan for pensioners and which banks give the best loans to non-working pensioners with low interest rates.

Having studied the article from beginning to end, you will learn:

  • Can pensioners get a loan at a small percentage;
  • How to get a loan to a working or non-working pensioner without guarantors;
  • Where can I get an online loan for pensioners without refusal.

Also in the article you will find tips that will help increase the chances of a positive decision. At the end of the publication, we traditionally answer the most popular questions within the framework of the topic under study.

Read how to get a loan to a pensioner and where they give the best (profitable) loans for pensioners.

1. Is it possible to take a loan to a pensioner

Not everyone understands whether a pensioner can get a loan from a bank. Meanwhile, in elderly people, the need for funds arises not less often, and sometimes even more often.

Before you begin to study the features of lending to retirees, you should understand what categories of older people usually distinguish. This parameter can have a significant impact on the conditions of loans issued.

So, citizens can become pensioners for the following reasons:

  • when reaching a certain age - for women 55 years old for men 60 years;
  • for a certain length of service, that is, for length of service;
  • with the loss of the breadwinner;
  • when prescribing disability.

However, the inclusion of a citizen in one of these categories does not prohibit him from finding a job. Therefore, in addition to payments from the budget, most pensioners receive wages. Naturally, the presence of constant income leads to the fact that there are banks that agree to give them a loan.

It is also of great importance that some citizens become preferential pensioners. Such persons are much younger; they are far from the maximum age of lending established by banks.

Moreover, recently borrower age limit repeatedly raised. First of all, banks do this in order to attract the maximum number of customers in the face of fierce competition.

For example, consider the age limit in some popular banks:

  • Sberbank requires that the borrower at the end of the loan agreement was no more 75 years;
  • AT Sovcombank the maximum age at the time of making the last payment is set at 85 years;
  • In terms of credit Bank Post the maximum age of borrowers varies for men (75 years) and women (80 years).

Many credit organizations regard retirees as fairly reliable borrowers who have a small but stable income.

However, not every credit institution wants to cooperate with pensioners. Even in banks where lending to older people is provided, such programs are usually not available to all borrowers, but only certain types.

Thus, getting a loan to pensioners is quite realistic. But it’s worth understanding that it's not always easy. If you have any difficulties, you can turn to help credit brokers.

2. What loans are available for senior citizens - an overview of 3 popular types

Senior citizens are usually interested in what type of loan can they get. In general, there are no restrictions on the type of loan, anyone can draw up an agreement of the selected type.

Keep in mind that pensioners may be subject to additional restrictions, as well as requirements for obtaining any loans in comparison with other categories of clients.

We will deal with the most popular types of loans that citizens of this category can apply for.

Type 1. Consumer loan for senior citizens

Consumer loan - a loan that is issued by citizens to meet personal needs, for example, the acquisition of various goods and services of a consumer nature.

Almost all financial institutions offer loans of this type. In most cases, not only pensioners who continue to work, but also those whose pension is the only source of income can get a loan.

The conditions for issuing consumer loans can be different:

  • alone draw up with a mandatory proof of income;
  • other - if there is security in the form of guarantors or collateral;
  • third - in the absence of both.

In any case, for registration you will need to provide pensioner's ID or help. Other documents depend on which category of pensioners a potential borrower belongs to.

Type 2. Mortgage

Mortgage - This is a loan, the security for which is real estate.

Most often, a pledge is made out on an object acquired at the expense of credit funds. In some cases, collateral may be property owned.

In principle, no one forbids retirees to issue mortgages. However, it should be borne in mind that for them the conditions will be slightly different.

The main parameters of mortgage lending for pensioners:

  1. loan term significantly smaller;
  2. maximum loan amount below;
  3. interest rates are more flexible.

Type 3. Car loan

Retirement age is not a reason to refuse to drive a car. At the same time, like other citizens, there may be a desire to change the available car for a new more comfortable one.

Naturally, not everyone has cash for this. In this situation, you have to resort to the help of the bank.

Car loan - This is a loan to purchase a car, which will act as a pledge until full repayment. In other words, the purchased vehicle will be collateral for the loan received.

To receive a car loan to a pensioner, it is enough to present passport and pensioner's ID (or corresponding help).

Some banks offer this category of borrowers. special programs. Especially popular among pensioners are preferential car loanswhich provide for state support.

Step-by-step procedure for obtaining a loan for pensioners

3. How to get a loan to a pensioner: in cash, on a card or bank account - 5 main stages of obtaining a loan

Before proceeding with a loan for senior citizens, it is important to carefully familiarize yourself with the main steps that you will have to go through.

In general, the procedure is practically no different from the traditional loan. Therefore, in most cases it does not cause difficulties. In any case, it is best to familiarize yourself with the upcoming steps in advance.

Stage 1. Choosing a credit organization

Today, the task of finding banks lending to retirees, as well as their subsequent comparison, has been greatly simplified due to the ability to use the Internet.

There are various internet servicesallowingin online mode study offers of the maximum number of suitable banks.

However, not all pensioners know how to use a computer. In this case, it is more advisable to contact relatives and friends for help than to use other ways of finding information.

In the process of studying the proposals of banks should choose some of the most suitable. After that, an analysis and comparison of loan conditions, as well as requirements for the borrower, is carried out.

Stage 2. Registration of the application

Today, to submit an application, it is not necessary to go to the office of a credit organization (although this, of course, is not forbidden) It is much easier and more convenient to get a loan using the website of a credit institution.

Filing an online application for a loan to pensioners has the following advantages:

  • the decision is made as soon as possible;
  • There is no need to spend time waiting in lines and a long journey.

Stage 3. Preparation and provision of a package of documents

When applying at the bank office, the client goes there immediately with the necessary documents. If the questionnaire is sent via the Internet, you can wait for a response from the bank. But it is worth keeping in mind that in this case the approval will be preliminary.

The composition of the package of documents is largely determined by the type of loan selected. In most cases, pensioners are required to provide a minimum of information.

If a citizen continues to work, usually the package of documents is the same as for other borrowers. But there is one addition - it will be required pensioner's ID or certificate from the FIU.

Stage 4. The conclusion of the contract

After a positive decision on the submitted application, the bank does not immediately issue money. First of all, you have to conclude loan agreement.

Important! Putting his own signature on this document, the borrower confirms that he agrees with all conditions. therefore the agreement should be examined as closely as possible FROM the beginning to the end.

If questions arise during the reading process, it is best to ask specialists to answer them immediately, until the contract is concluded.

First of all, attention should be paid to the following clauses of the agreement:

  • interest rate;
  • loan term;
  • the possibility and conditions of early repayment;
  • the reason for accrual and the amount of fines and penalties.

For self-calculation of a loan for a pensioner, we recommend using a loan calculator:


The effective rate takes into account various parameters, if it differs from the main one, the loan implies the presence of hidden fees.

Stage 5. Receiving money

The method of obtaining borrowed funds is primarily determined by the type of loan being issued.

For consumer loans, the following options for obtaining money are usually used:

  • cash withdrawal at the bank cash desk;
  • crediting funds to a bank card;
  • transferring money to the borrower's account.

When car loans and mortgages can be used the above methods of issuing a loan, as well as transfer to the seller’s account.


If the future borrower accurately complies with the steps described above for obtaining a loan, problems in obtaining a loan usually do not arise.

4. Where to get a profitable loan (loan) for pensioners with a low interest rate online - TOP-5 of the best creditor companies

At the end of the third quarter, more than500 credit organizations. Almost half of them provide loans to pensioners, including online. In such conditions, study all the programs on the market impossible.

Creditors ratings drawn up by specialists come to the rescue. Below is one of the listings that includes5 best financial companies with low interest rates on loans.

1) Sovcombank

Sovcombank is one of the few banks in the credit line of which there is a special program for seniors.

The loan offered to this category of citizens is called Pension Plus. It can be issued by both non-working pensioners and those who continue to work. The only restriction is that on the day of full repayment of the loan, the age of the pensioner must be not more 85 years.

The feature of the program is a discount with an interest rate of 5%. Pensioners who receive payments to Sovcombank’s card, as well as borrowers who have connected automatic debit from bank cards of other credit organizations to pay for a loan that can be issued, can count on it.

Pensioners may be interested not only in a loan specially designed for them. Another unique product offered by Sovcombank - Halva installment card.

With its help, you can pay at points of sale opened by partners of the bank. Today their number exceeds 60 thousand and they are located throughout the country.

Halva card benefits include:

  • installment periodduring which interest is not charged. Depends on the partner and can reach 12 months;
  • registration and service are absolutely free;
  • cashback up to 1,5% of the amount of payment. Read about cashback on a bank card in a separate article.

2) Tinkoff Bank

Tinkoff BankIt is the only bank in Russia that works completely remotely.

Here, they are ready to apply for a loan without confirming the income received for the majority of Russians who have reached the age of majority. The service in question is also available for senior citizens. The only restriction is that on the date of full repayment of the loan it should be not more 70 years.

The main loan conditions at Tinkoff Bank are as follows:

  • loan amount up to 3 million rubles;
  • maximum loan term - 3 of the year;
  • rate in the range from14% before 25% per annum;
  • client age no more 70 years;
  • the presence of a grace period that reaches 55 days.

To apply for a loan, it is enough to present passport with a stamp on permanent registration (or attach a certificate confirming temporary registration).

Tinkoff offers to get a loan to get a credit card online. Moreover, the number of available programs is quite large. Any senior citizen will choose the right option for himself.

3) Alfa Bank

Over the years of its existence Alfa Bank earned a reputation as a serious credit organization. Popularity is primarily due to the following factors: convenience, product benefits, innovative approach.

Alfa-Bank issues loans to pensioners who continue to work. At the same time, the most popular is a credit card, which has one of the longest grace periods in Russia. This product is called "One hundred days without interest".

Advantage named card is the ability to withdraw cash without interest, while other banks provide a grace period only for the amounts spent in cashless payments.

The only limitation is that you can withdraw per month without interest. no more 50 000 rubles. In other words, such a card can become a full replacement of a loan for a small amount.

4) Moneyman

Not always pensioners manage to get money on loan from the bank. In this case, help may come microfinance organizations.

One of the most popular is the company Moneyman. Here you can get up to 70 000 rubles for up to 18 weeks.

To apply for a loan, it is enough to fill out a small application on the official website of the MFI. In a minute a decision will be made.

If the application is approved, the client is invited to choose a convenient way for him to receive funds:

  1. at the office in cash;
  2. transfer to a bank account or card.

In the second case, the borrower does not even have to leave the house. For the convenience of customers, the bank’s website has been posted calculator, which allows you to calculate all the loan parameters — payment, overpayment, and other important indicators — even before applying.

5) Kredito24

Kredito24 - Another popular microfinance organization. Here, a loan can be obtained completely without visiting the office, exclusively through the lender's website.

To apply for a loan, it is enough to complete the following steps:

  1. fill out a short form on the site;
  2. send a request;
  3. wait for a decision that is made in a few minutes;
  4. receive funds.

Usually money is transferred to the card of any bank. To better understand the conditions of service, it is worthwhile to calculate in advance the main parameters of the loan on a special calculator.


To facilitate the comparison of credit organizations, the main conditions for the loans they offer are summarized in a table.

Table "TOP-5 credit organizations with the best conditions for lending to pensioners":

Credit organizationBasic loan conditions
1) SovcombankMaximum age - 85 years

Bet Discount 5% receiving a pension on a bank card or applying for automatic debit from another card

Possibility to issue Halva installment card
2) Tinkoff BankLoan size up to 3 million rubles

Bid from 14,9% APR

Grace period until 55 days
3) Alfa BankMap 100 days without%

The interest-free period also applies to cash withdrawals

4) MoneymanBefore 70 000 rubles

Deadline 18 weeks

Cash or card receipt at the office
5) Kredito24Before 15 000 rubles

Deadline 30 days

Clearance online during 15 minutes

* The relevance of interest rates on loans and borrowings check on the official websites of credit organizations.

5. Which banks give loans to non-working pensioners - a list of popular banks

Non-working (unemployed) pensioners are not granted loans everywhere. Nevertheless, there are banks that lend to older people who decide to go on a well-deserved rest.

Most often, those whose income is made up only of pensions apply to the following credit organizations:

  • Renaissance Credit;
  • Citibank;
  • Raiffeisen
  • VTB Bank of Moscow;
  • Post Bank;
  • Tinkoff;
  • ICD.

Rates for pensioners are different and depend on the bank where it is decided to lend. It is best to contact the bank on whose card a pension is paid. In this case, the bid may bebelow⇓.

Take note!In general, the minimum market rate is at 14%-15% per annum

So, in which bank can I get a pensioner loan at a small percentage?

Those who are looking for a loan for pensioners with the lowest rate can recommend the programs presented in the table below.

Table "Banks offering loan programs with a minimum rate for pensioners":

Credit organizationThe name of the programRate
VTB Bank of MoscowUnearmarked without bailFrom 14 percent per annum
Moscow credit bankCash loanFrom 14.9 percent per annum
InterprombankRetirementFrom 15 percent per annum

The banks considered above work not only in the capital, but also in other Russian cities. Non-working pensioners here will be able to get a loan not more 1 500 000 rubles.

Important to understand that the possibility of obtaining a loan depends not only on the pensioner's employment, but also on age.

So, the list of banks issuing loans to citizens up to 70 yearssignificantly wider. Apply for a loan of up to 3 million rubles at a rate of 15% per annum it is possible in the following organizations:

  • Sberbank
  • VTB 24;
  • Sovcombank;
  • Summer;
  • Rosbank;
  • Ak Bars et al.

If a retiree more than 70 years, the list of those willing to lend to its banks is narrowing significantly. Experts advise contacting Sberbank, Russian Agricultural Bank or Sovcombank.

It is important to clarify what the maximum age threshold is. The application in each case is considered individually, so everyone has a chance for approval.


Thus, it is quite possible to get a loan to a non-working pensioner. However, some efforts will have to be made to find a suitable bank.

It’s worth considering that the rate in most cases for this category of borrowers begins from 15% APR. To obtain a large amount, additional security will be required in the form of a pledge or guarantee of a working citizen.

Ways to get a loan for non-working pensioners without refusal and guarantee

6. Where can I get a loan to non-working pensioners without refusal and guarantors - 2 possible options

The fact that taking a loan to a non-working pensioner is quite realistic, we have already said above. It’s important to know about 2The most likely ways to get a loan without information and guarantors.

Before using one of them, it’s worth evaluating advantages and limitations each and choose the best option for the specific situation.

Option 1. Bank loans secured by property

Sometimes it is not easy to get a loan from a bank. This is explained by rather harsh conditions for pensioners, as well as the presentation of additional requirements for this category of citizens. for example, some banks give loans to pensioners only on the security of real estate or vehicles.

But despite the difficulties encountered in obtaining bank loans, this opportunity should be taken first.

The fact is that it is banks that offer the most favorable credit conditions. Here it’s realistic to get a sufficiently large sum of money for long-term pensioners (long-term loan) - from six months to 5 years. At the same time, the rates are relatively low.

We advise you to read our article on how to get a loan secured by real estate without proof of income.

Option 2. Express loans for non-working pensioners in MFIs

If for any reason you can’t get a loan from a bank, you can contact a microfinance organization (MFI).

Such lenders are less demanding on potential customers. For a loan in a microfinance organization, in most cases, it is enough passports. You can get money here in less than an hour.

However, lending to MFIs has many disadvantages:

  • a small credit limit - in most cases, no more 50 000 rubles;
  • minimum loan term - no more than a year;
  • high interest rate - up to several percent per day.

However, you should be aware that there are situations when microloans are the best option. It’s worth using them, when urgently need a small amount of money. It is important to be sure that you will be able to return it within a few days. Only if these conditions are met, the overpayment will be minimal.

More information about quick express loans in our special material.


Thus, having analyzed the features of each of the above methods of obtaining a loan, everyone will be able to choose the option that will be more convenient and profitable for him.

7. How to increase the likelihood of approval of a loan application for working and non-working pensioners - 3 useful tips

Today, many potential borrowers are refused at the stage of consideration of the application. Many banks, wishing to reduce the risk level, take a negative decision at the slightest suspicion that the applicant is an unreliable borrower.

As a rule, the hardest thing is to obtain approval of the application to socially vulnerable categories of citizens, which are seniors both working and unemployed.

To get a better chance of getting a loan, you should use the recommendations of specialists. Below are presented 3 most effective tips.

Tip 1. Attract co-borrowers

To increase the likelihood of approval of a loan application, a pensioner can attract a co-borrower.

Co-borrower - this is a citizen who is jointly liable under the loan agreement with the main borrower. In other words, he acts as an additional debtor for a loan being issued.

However, do not confuse co-borrowers with guarantors. To do this, we will understand what their differences are.

For loans issued with the assistance of guarantors, the following features are characteristic:

  • the responsibility for the loan rests with the guarantor only in cases where the borrower stops paying the loan;
  • the guarantee's income is not taken into account when calculating the maximum possible loan amount;
  • such a participant in credit relations does not have the right to borrowed funds, as well as property acquired for them.

If you decide to arrange a loan with the assistance of the co-borrower, the following factors should be considered:

  • Responsibility for the timely repayment of the loan to the co-borrower is imposed immediately upon receipt of the loan;
  • the amount of his income is taken into account when calculating the amount of the loan. In most cases, they are attracted precisely to obtain the maximum amount;
  • the co-borrower has the same rights as the main debtor. Therefore, their choice should be taken as responsibly as possible.

In most cases, family members of the applicant and his other close relatives become co-borrowers. However, there are no restrictions on who can become a co-borrower. This can be any citizen who agreed to be included in the loan agreement.

But it’s worth keeping in mind that banks are suspicious of those applications for which strangers act as co-borrowers. Therefore, it is better to attract close people for this purpose.

Tip 2. First of all, contact the bank on whose card the pension is transferred.

Many consider this advice the best. The need to contact a bank whose pensioner receives payments is explained 2-My circumstances:

  1. The bank on its cards sees receipts for the entire validity period. therefore you can assess solvency without requesting supporting documents. For the borrower, this means high speed of execution and the absence of the need to prepare a large list of documents.
  2. Banks often offer pensioners receiving payments on their cards interest rate discounts on loans.

Tip 3. Insure life

Most often, the reason for the wary attitude to senior borrowers is their age. Elderly people get sick more often, the probability of their death is much higher.

If the bank grants a loan without collateral without requiring a deposit or guarantors, it risks that the repayment will not be in full if the borrower dies. Therefore, persons of age are often denied.

Improving the probability of approval for a loan application helps insurance policy. By providing insurance in case of illness or death, the borrower reduces the risks of the bank. This is due to the fact that upon the occurrence of an insured event, the debt under the loan agreement will be covered insurance payments.

However, this advice should be treated with caution and attention. It is important to remember that the insurance policy is worth not cheap. In most cases, its value is included in the loan amount. As a result, it grows⇑ monthly payment, as well as overpayment.

Therefore, it is worthwhile to carefully study the conditions and evaluate the additional costs before resorting to insurance.


Following the advice of specialists, you can significantly increase the likelihood of approval of loan applications. However, pensioners should try on every advice for themselves to understand how suitable it is in a particular case.

8. FAQ - answers to frequently asked questions

When studying the topic of lending to pensioners, a large number of questions often arise. It will take a lot of time to find the answers to them. Therefore, at the end of the publication, we answer the most popular questions.

Question 1. How many years do they give loans to pensioners?

A clear answer to the question of how many years you can count on getting a loan to pensioners does not exist. In one bank age limit can be set at 70-75 years, in another - at the level 85 years, in third - The maximum age does not exist at all.

Limitations should be sought in terms of lending to a particular bank. To do this, it is not necessary to visit the branch of a credit organization. Just visit her site.

Question 2. Where can I get a loan (loan) to pensioners up to 70-75-80 years?

Despite the fact that recently the number of loans issued to pensioners has increased, banks are wary of this category of borrowers.

Loans for pensioners 75-80 years old

The reluctance of credit organizations to issue loans to pensioners is explained by their shortcomings as borrowers:

  • low monthly income;
  • great age.

Despite this, there are a number of advantages of such citizens for lenders:

  • in most cases, pensioners are quite responsible and disciplined.
  • the presence of a constant, albeit small, income allows you to guarantee the bank the return of borrowed funds.

A pensioner can get a larger loan if he draws it up for a longer period. Otherwise, his income will not be enough to make monthly payments.

Important to keep in mind that for banks the determining factor is Not only income level, but also the age of the potential borrower.

When lending to retirees, financial institutions pay close attention to the proximity of his age to life expectancy in Russia. For men, today it is equal to 65 years, for women - 73.

It turns out that the closer the borrower is to the upper limit of middle age, the higher the probability of his death. In this case, the bank increases the risk that the issued funds will not be returned.

That is why banks that issue loans to citizens older 65 years are not so many, but they are. The maximum lending age at the most popular banks is presented in the table below.

Table "Limit age of lending in various banks":

Credit organizationAge limit
Eurokommertsbank80 years
Post BankFor men - 75 years

For women - 80 years old

Orient Express Bank76 years
Russian Agricultural Bank75 years
Sberbank75 years

Get a loan to pensioners who are more 80 years, almost impossible. It is important to keep in mind that the term limit implies age at the time of termination of the loan agreement. Therefore, an eighty-year-old citizen is unlikely to give out funds.

However, even those over this age may need additional cash. At the same time, not everyone wants to resort to the services of MFIs.

It’s good for pensioners to know that in Russia there is a bank that agrees to issue a loan to citizens before 85 years. The only such credit institution is Sovcombank. Conditions for pensioners are quite attractive.

Sovcombank has the following requirements for borrowers:

  1. citizenship of the Russian Federation;
  2. the presence of permanent registration lasting more than 4 months;
  3. stay in radius 70 km from the office of the credit institution;
  4. the presence of a landline home or work phone.

To apply for a loan, only passport and pensioner's ID either appropriate reference.

Employed retirees will also have to provide additional salary certificate. Wherein unemployed pensioners can get up 200 000 rubles, and working - before 300 000 rubles.

Question 3. Where can I quickly get an urgent loan to a pensioner on my card online without guarantors with bad credit history?

Most MFIs offer an urgent loan for pensioners on a card without references and guarantors, even with a bad credit history. In this case, only passport.

You don’t need to leave home - the procedure for obtaining funds in many microfinance organizations is completely carried out in online mode (through the Internet).

We wrote about how to get an instant loan online on a card without checking urgently in a previous issue. Also on our website there is an article about loans with bad credit history - we recommend reading it.

MFIs are happy to lend to retirees. As a rule, this category of citizens draws up a microloan only as a last resort when an unexpected financial need arises. Pensioners are much more serious about fulfilling their obligations.

9. Conclusion + video on the topic

Pensioners often have a need for cash. The need for loans is manifested no less than other citizens. And today, many banks and MFIs provide an opportunity to borrow money to older people.

However, pensioners must take into account the specifics of lending to this category of citizens.Getting a loan for non-working people, whose entire income consists only of budgetary payments, can be difficult. However, achieve positive decision is quite real.

In conclusion, we recommend watching a video on where a pensioner can get a loan:

That’s all with us.

We wish readers of the financial magazine RichPro.ru financial stability and easy resolution of temporary difficulties!

If you still have questions about the topic of publication, then ask them in the comments below. Put your grades and share the article on social networks. See you soon!

Watch the video: Unfunded Pensions & Retirement Crisis w Brian Reynolds. Real Vision (March 2024).

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