Consumer loans in Russia 2026: licensed banks ranked
A ranking of Russian banks by their standard unsecured cash loan in roubles, using only facts from the banks' official sites. Each licence and registration date is checked in the Bank of Russia's directory of credit institutions. Rates are compared by the full cost of credit (PSK, polnaya stoimost kredita): banks publish it as a range, we use the lower bound of that range and show the whole range on the bank's card. The lower bound is shown as a percentage of the reference PSK of 23.225% a year (the median at launch). It is the best case, not the rate everyone gets: the lower bound often requires a salary account, insurance or a paid rate-reduction service. Banks that do not publish a readable PSK or block automated access to their site get no points for the missing facts. Only banks are included, and microfinance is excluded. A loan is a financial obligation: it must be repaid with interest, and the rate depends on the applicant and the bank's decision. This ranking is not a recommendation and promises neither approval nor a rate. Compare Scores only within Russia. Score is not for sale; paid placements, if any appear, will be a separate labelled block.
| # | Company | Who it serves | ||||
|---|---|---|---|---|---|---|
| 1 | Газпромбанк (loans) | 82 | 1990 | Yes | 114% | Licensed Free early repayment Fees published Online application |
| 2 | ВТБ (loans) | 82 | 1990 | Yes | 86% | Licensed Fees published Online application |
| 3 | Россельхозбанк (loans) | 81 | 2000 | Yes | 100% | Licensed No arrangement fee Fees published Online application |
| 4 | Банк «Санкт-Петербург» (loans) | 77 | 1990 | Yes | 105% | Licensed Fees published Online application |
| 5 | Банк Русский Стандарт (loans) | 76 | 1993 | Yes | 107% | Licensed Fees published Online application |
| 6 | ПСБ (loans) | 69 | 1995 | Yes | 73% | Licensed Online application |
| 7 | Банк ДОМ.РФ (loans) | 68 | 1993 | Yes | 87% | Licensed Online application |
| 8 | Т-Банк (loans) | 61 | 1994 | Yes | Not verified | Licensed Free early repayment Online application |
-
- Licensed since
- 1990
- Licensed by the regulator
- Yes
- Published rate, % of country reference
- 114%
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Details Visit site ↗ 92% backed by facts
-
- Licensed since
- 1990
- Licensed by the regulator
- Yes
- Published rate, % of country reference
- 86%
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Details Visit site ↗ 88% backed by facts
-
- Licensed since
- 2000
- Licensed by the regulator
- Yes
- Published rate, % of country reference
- 100%
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Details Visit site ↗ 92% backed by facts
-
- Licensed since
- 1990
- Licensed by the regulator
- Yes
- Published rate, % of country reference
- 105%
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Details Visit site ↗ 86% backed by facts
-
- Licensed since
- 1993
- Licensed by the regulator
- Yes
- Published rate, % of country reference
- 107%
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Details Visit site ↗ 86% backed by facts
-
- Licensed since
- 1995
- Licensed by the regulator
- Yes
- Published rate, % of country reference
- 73%
Pros
- Long licence history
- Published rate below the country reference
- Licence confirmed by the official list or a stated licence number
- Publishes how to complain
Details Visit site ↗ 74% backed by facts
-
- Licensed since
- 1993
- Licensed by the regulator
- Yes
- Published rate, % of country reference
- 87%
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Publishes how to complain
- New customers can apply online
Details Visit site ↗ 74% backed by facts
-
- Licensed since
- 1994
- Licensed by the regulator
- Yes
- Published rate, % of country reference
- Not verified
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Publishes how to complain
- Terms state that early repayment is free
Details Visit site ↗ 63% backed by facts
Not ranked yet: not enough verified data
These services are known to us, but we haven't verified enough facts to rank them fairly.
- АК Барс (loans) (0% backed by facts)
- Абсолют Банк (loans) (site closed to automated checks, )
- Альфа-Банк (loans) (site closed to automated checks, )
- Банк Уралсиб (loans) (55% backed by facts)
- МКБ (loans) (site closed to automated checks, )
- ОТП Банк (loans) (site closed to automated checks, )
- Райффайзенбанк (loans) (49% backed by facts)
- Ренессанс Кредит (loans) (0% backed by facts)
- Сбербанк (loans) (site closed to automated checks, )
- Совкомбанк (loans) (site closed to automated checks, )
Sites marked as closed refuse automated reading (403 error, captcha or a robots.txt ban). We don't bypass such protection, so we can't verify their facts and they are not ranked. This says nothing about their quality. A company can send links to its official pages to [email protected].
How we calculate the Score
35%
Licence
Whether the lender appears in the regulator's official list, or states its licence number on its site, and how long it has held a licence or registration. Where the register shows no date we use the year stated on the official site, which can be the founding year. A licence means supervision; it does not make a loan cheap or safe for you.
30%
Transparency
Whether a fees document or the full loan terms can be read without logging in, whether the lender publishes how to complain, and whether its terms state that early repayment is free. A statutory early repayment charge counts as a charge.
25%
Cost
The published rate of the standard cash loan as a percentage of the country's reference rate, the median of the rates we collected at launch (100% equals the reference; the score falls from 50% to 200%). The original rate with its example amount and term is shown beside it. The basis differs by country, so compare only within one country. We also count whether the standard terms have no arrangement fee. This factor deliberately weighs less than licence and transparency.
10%
Service
Whether a new customer can apply online, weekly hours of general support, and the maximum amount and term compared within the country. A larger or longer loan is not better for you: more time usually means more interest paid. That is why these two facts carry little weight.
What to check in a loan offer
A loan is an obligation
You commit to fixed payments for the whole term, whatever happens to your income. Late or missed payments can bring extra charges and harm your credit history, and the lender can take legal steps to recover the debt.
Verify the licence
Look the lender up in the official list of the central bank or financial regulator by its exact legal name and compare the website address. Fraudsters copy the names of real lenders. A real lender does not ask for an upfront payment to release a loan.
Read the rate as an example
The published figure is an example or a lowest rate. Your rate depends on your income, credit history, amount and term, and the lender may refuse. Read the individual offer before signing.
Look at the total to repay
Compare the total amount repayable, not only the monthly payment. A longer term lowers the payment but usually raises the interest you pay overall.
Check fees and insurance
Look for arrangement fees, early repayment charges, late payment charges and whether insurance is required. Each of these changes the real cost. The figures must be in the pre-contract information.
Know how to complain
Complain to the lender in writing first and keep the reference. If the reply does not resolve it, contact the financial ombudsman, where one exists, or the regulator. If you have trouble repaying, contact the lender early and consider free independent debt advice where available.
Frequently asked questions
What is PSK?
The full cost of a consumer loan, expressed as a percentage a year. Its rules are set by Federal Law No. 353-FZ of 21 December 2013 on consumer credit (loans). The Bank of Russia calculates average market PSK values separately for each category of consumer loan.
Is there a cap on PSK in Russia?
Yes. When the contract is signed, the PSK may not exceed the lower of two values: 292% a year, or the average market PSK for that loan category applied in the quarter by more than one third. The Bank of Russia calculates and publishes the average market values every quarter on cbr.ru.
How do I check a bank's licence?
On cbr.ru, open «Information on credit institutions» and search by the bank's name or registration number. The card shows the institution's status, registration number, date of registration by the Bank of Russia and the licences it holds.
Why does the ranking use the lower bound of PSK rather than the interest rate?
PSK is also a percentage a year, but it makes offers easier to compare: at many banks the low interest rate applies only with a paid rate-reduction service, insurance or to salary clients. We take the lower bound of the published PSK range for the standard cash loan and show the full range on the bank's card.