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Cash Loan




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Cash for personal needs!
All your dreams can become reality with a cash loan from the Bank of Moscow!


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Main conditions of the Cash Loan programme

  • a loan of up to 3 000 000 RUR or the equivalent in US dollars or EURO
  • interest rates from 15% in RUR and from 12.5% in US dollars or EURO
  • loan term up to 5 years
  • no loan commission charged
  • no confirmation or income or employment required for the loan
  • the loan application if considered within 3 working days of submission to the Bank of the full set of documents
  • the loan extension decision is valid for 1 month
  • the loan is paid off in equal (annuity) instalments
  • full or partial early repayment permitted without penalty
  • Applying for a loan you may use the Borower’s life and working capacity insurance programme*

Collateral:

  • At the Borrower’s wish a loan may be extended with a guarantee.
* Life and working capacity insurance is extended at the Borrower’s wish.

Conditions valid from 04 April 2012

Cash Loan
Loan sum from 50 000 to 150 0001 RUR3 from 151 0002 to 3 000 000 RUR3
Loan term, years (inclusive) up to 3 up to 5
Interest rates,%
— RUR from 18.0%4 from 15.0%5
— US dollars/EURO from 15.5%4 from 12.5%5
Loan commission N/A
Early repayment penalty N/A
Insurance At the Borrower’s wish At the Borrower’s wish
Collateral At the Borrower’s wish At the Borrower’s wish
Co-borrower involvement Not required At the Borrower’s wish
Time for considering loan application 1 working day6 to 3 working days6

The default interest for failure to repay the loan on time is 0.5% of the arrears for each day of delay, minimum 50 RUR (or the equivalent in US dollars/EURO, calculated at the Bank of Russia exchange rate on the day the default interest is paid) for each day of delay, calculated for the period from the date when the arrears arise top that when the Borrower pays it off, inclusively.

1 For Moscow/Moscow Region, St. Petersburg/Leningrad Region. For regional branches of the Bank – 100 000 RUR (inclusive).

2 For Moscow/Moscow Region, St. Petersburg/Leningrad Region. For regional branches of the Bank – 101 000 RUR.

3 Or the equivalent in US dollars/EURO.

4 Up to 49.9% annually in RUR and 47.4% annually in USD/Euro. The amount of interest rate is determined by the Bank individually for each Borrower on the basis of assessment of the repayment ability and subject to a guarantee.

5 Up to 39.0% annuakky in RUR and 36.5% anually in USD/Euro. The amount of interest rate is determined by the Bank individually for each Borrower on the basis of assessment of the repayment ability and subject to a guarantee.

6 From provision to the bank of the full set of documents.

The set of documents to be submitted by the Borrower/Co-Borrower/Surety to obtain the loan

Loan sum1: up to 150 000 RURabove 150 000 RUR
  1. Loan Application Form
  2. Passport of a citizen of the Russian Federation
  3. Second document (at the Borrower’s discretion):
    • driving licence and vehicle registration certificate2
    • foreign travel passport with stamp indicating crossing of the frontier of the Russian Federation during the last six months (CIS countries not included)
    • Borrower’s current account or card account statement, showing amounts credited over the last 6 months, certified by the relevant bank3
    • term deposits with the Bank of Moscow4
    • salary statement from place of work for the last 6 months5 either:

Documents confirming the activities and income of individual entrepreneurs, attorneys and notaries public

Documents to be provided by Pay Roll Clients:

  1. Passport of a citizen of the Russian Federation (original copy)
  2. Pay Roll plastic card of the Bank

1. For Moscow/Moscow Region, St. Petersburg/Leningrad Region. For regional branches of the Bank – 100 000 RUR.

2. Car/motorcycle owned by the Borrower (foreign make car (including cars assembled in Russia), with the age not exceeding 8 years as of the date of repayment, or home make car with the age not exceeding 5 years as of the date of repayment/foreign make motorcycles with the age not exceeding 3 years as of the date of submitting the documents).

3. Average proceeds according to the statement must at least equal the declared monthly income.

4. The cash balance when the Application is submitted must be at least 200 % of the sum of the requested loan and be valid for at least 6 months from the Application submission date.

5. If the Borrower has been employed for less than six months, a statement is submitted for the actual time worked for the organisation.

* Persons in military services and law inforcement officers may submit form 2-NDFL as a document confirming their income.

  1. Loan Application Form
  2. Passport of a citizen of the Russian Federation
  3. Second document (if available): driving licence or foreign travel passport
  4. Certified copy of work record book
  5. salary statement from place of work for the last 6 months2 either:

Documents confirming the activities and income of individual entrepreneurs, attorneys and notaries public

Documents to be provided by Pay Roll Clients:

  1. Passport of a citizen of the Russian Federation (original copy)
  2. Pay Roll plastic card of the Bank

1. For Moscow/Moscow Region, St. Petersburg/Leningrad Region. For regional branches of the Bank – 100 000 RUR.

2. If the Borrower has been employed for less than six months, a statement is submitted for the actual time worked for the organisation.

* Persons in military services and law inforcement officers may submit form 2-NDFL as a document confirming their income.

The Borrower/Co-Borrower/Surety must

  • hold Russian Federation citizenship
  • Place of residence:
    Payroll clients − in any office of the bank irrespective of the actual place of work/ permanent registration.
    Non-payroll clients − a loan can be applied for at the Bank’s office located both at the place of permanent registration and at the place of actual residence. When applying for a loan at the place of actual residence, the region of registration and the place of work must be the same as the region of the Bank’s presence.
  • When submitting the Application, the Borrower must be at least 21 years of age and, at the time of redemption:
    • no more than 55 years of age (inclusively) for women
    • no more than 60 years of age (inclusively) for men

      • The maximum age for the payroll clients as at the date of the loan repayment is65 (regardless of gender) for the loan amount of maximum 500 thousand rubles included (or an equivalent in the loan currency according to the rate of the Bank of Russia as at the date of the application filing).
  • be employed by the latest employer for at least 3 months¹

1. For individual entrepreneurs, lawyers, notaries the period of work shall be at least 1 (one) year as at the day of approaching the Bank for obtaining a credit.

Loan extension procedure

  1. You may complete the loan application form On-line, or by telephone (for Moscow and the Moscow Region) or visit one of the branches of the Bank with the full set of documents required for a loan decision to the made.
  2. Within one-three business days from the date of application for a loan the Bank will make a decision to grant a loan¹ and notify you accordingly by sending an SMS message to your mobile phone number specified in the application. When applying for a loan On-line or by telephone the time for making a preliminary decision on the loan application is no longer than 15 minutes. You may become aware of the taken decision at once by receiving an SMS message from the Bank. Then you will have to contact the Bank’s branch you have chosen with a full set of documents required for the final decision to be made.
  3. You then conclude a loan agreement and receive the required sum of money.

Paying off Bank of Moscow loan is easy

1. If the application is submitted to a branch of the Bank, the period for decision-making runs from the day the Bank receives the full set of documents.




Attention! Any documents submitted to the Bank must be completed in Russian.
The texts of documents/forms in Russian can be found on our Russian version website.