To date, obtain express - loan or credit without reference to income could virtually all banks. This type of loan is most convenient for those consumers who have no possibility to postpone the purchase. Express - the credit can be issued immediately in the store. To do this you need to choose between our product and to approach the credit expert, representing one or another bank. The expert will ask you to fill out a standard questionnaire to obtain a loan. After this form is sent to the bank for consideration, but meanwhile you are waiting for the result to the possibility of obtaining credit. If the bank takes a positive decision, then the money is transferred to the account of the store, and you boldly go with the purchase of home. If you just need the money, you get express - loan or credit without reference to income can apply directly to the bank. Express - loans are for up to three years. The advantage of such a loan that the borrower is required, basically, only a passport, sometimes they ask the second document proving your identity. Also for Express - credit is not required statement of earnings. The decision on granting a loan the bank takes, usually within hours. These were the advantages of quick credit, but now the shortcomings. In - First Express - the credit is more expensive for the borrower, because the bank by issuing such a loan is very much at risk. Typically, the amount of such credit is limited and does not exceed 30000 rubles. Annual rates for this type of loan ranges from 20 to 30% plus a fee for the additional costs, such as for maintaining the account. Accordingly, interest rates increased even more and eventually get nekhilyy amount. So whether to take express - loan? This type of loan is aimed at consumers who need money or goods urgently, without delay, without any reference to income. This credit is convenient, but not economically beneficial to the borrower. Determined to get a loan, you must clear idea about what would be your cost to repay the loan .... Owe no one and nothing ... Bible ...