Top 30 best ways to get money for free

Bank loan

One of the most common ways to get money quickly. Banks are actively engaged in lending to the population and are ready to issue the required amounts with virtually no conditions. However, there is one significant drawback: unlike MFOs (microfinance organizations), the bank’s consideration of the application takes from several days to several weeks. On the other hand, the interest rate, amount and loan term are much more favorable than in an MFO, so if you are pressed for time, it is better to contact a bank. Below is a list of the most interesting offers from such financial organizations.

Eastern Bank

The loan is issued for a period of up to 3 years in the amount of up to 500 thousand rubles at 11.5% per annum. In this case, no collateral is required, and the client receives funds immediately on the day of application. There is no need to confirm income.

ICD

The loan is issued for a period of up to 15 years in the amount of up to 5 million rubles. Rate per year: from 9.5%. As in the previous case, the bank reviews the application in just 1 day and, if the amount is relatively small, does not require confirmation of income and security.

VTB

This bank is ready to issue up to 400 thousand rubles for a period of up to 7 years. Rate: from 10.9 to 19.2% per annum. The application is reviewed within 3 days. No collateral is required for the loan, but proof of income is required.

Opening

After two days of consideration of the application, the client can receive an amount of 3 million rubles or less for a period of up to 5 years. The rate starts from 9.9% per annum. As in the previous case, no collateral is needed, but proof of income is required.

SKB Bank

This financial institution can issue up to 1.3 million rubles for 5 years at 10.9% per annum. The application is considered within 2 days. No collateral is required, but proof of income is required.

How to borrow money and repay debts correctly - useful tips

Before you borrow money or start paying it back, I recommend reading my tips. They work, tested in my own experience!

Basic rules for borrowing and repaying money:

It is better to borrow and repay in the first half of the day, because in the evening people become tired, which negatively affects all financial transactions.
Study the terms of loan repayment and debt repayment in advance.
Assess all the risks of a financial transaction before signing the contract, and not after.
Money has a time value: if your friends are dear to you, pay off your debts on time.
Don't forget to thank those from whom you borrow.

By the way, according to Feng Shui, it is better to give money on a waning moon, and to take money on a waxing one.

Even using the “magic of money”, it’s unlikely to be possible to get it for free. It is better to rely on your intelligence and common sense.

How to repay a loan correctly

If you take out a loan, then take it for as long as possible!

Many are afraid of this, because the amount of overpayment in this case will be greater. However, most loans can be repaid early, meaning you can pay the loan back as soon as you have the money.

But if you, for example, took 100,000 rubles for 1 year, then on average you will pay 10,000 rubles per month, but if you took the same amount for 5 years, then your payment will be about 2,500 rubles.

What amount do you think is easier to pay per month: 2,500 rubles or 10,000 rubles? - the answer is obvious.

This recommendation is based on the laws of such a concept as “financial literacy”.

Robert Kiyosaki, a world-famous investor, businessman and teacher in the field of financial literacy, author of the game “Cash Flow,” recommends paying off loans in the minimum possible amounts.

Loans from microfinance organizations

Microfinance organizations are the second place where finding money urgently will not be difficult. Yes, loans here are issued at less favorable interest rates, in small amounts and for a relatively short period (rarely it exceeds 1-2 months). On the other hand, MFOs issue loans very quickly. On average, it takes from several minutes to several days to review an application.

DobroZaym

The loan is issued for a period of up to 30 days in the amount of 30,000.00 rubles. Rate: 1% per day. Loan repayment: at the end of the term.

Web Loan

For a period of up to 30 days, you can receive up to 30 thousand rubles at 0.83% per day. As in the previous case, the loan is repaid at the end of the term. The latter is a common practice among MFIs.

Pay ps

This company can issue up to 10 thousand rubles at 1% per day for a period of 25 days. The loan is repaid at the end of the term.

Microclad

This organization has a relatively standard product:

Rate: 1% per day.
Possible loan amount: 30 thousand rubles.
Loan term: 30 days.
Repayment: at the end of the term.

MigCredit

Product Features:

Rate: 0.06% per day.
Possible loan amount: 300 thousand rubles.
Loan term: 720 days.
Repayment: monthly payments.

Grace period for credit cards

Another option to quickly get the amount you need is to take advantage of the credit card’s grace period. This scheme works like this: the client receives money and returns it before interest begins to accrue on the debt amount. The main disadvantage is that cash withdrawal in almost all cases, firstly, does not involve the activation of a grace period, and secondly, it is subject to a commission. Therefore, it is better to use this feature of credit cards in order to pay for a specific product or service. This will make it much more profitable and convenient. Some examples of such products:

VTB

Product: Multicard.
Loan rate: 16% per annum.
Maximum credit limit: 1 million rubles.
Grace period: 101 days.
Maintenance per year: from 0 rubles.
Cashback: yes.
Grace period when withdrawing cash: yes.

Eastern Bank

Product: Just 30.
Loan rate: 20% per annum.
Maximum credit limit: 120 thousand rubles.
Grace period: 1850 days.
Maintenance per year: from 0 rubles.
Cashback: yes.
Grace period when withdrawing cash: yes.

Alfa Bank

Product: 100 days.
Loan rate: 11.99% per annum.
Maximum credit limit: 500 thousand rubles.
Grace period: 100 days.
Maintenance per year: from 590 rubles.
Cashback: no.
Grace period when withdrawing cash: yes.

Rosbank

Product: Anything is possible
Loan rate: 25.9% per annum.
Maximum credit limit: 1 million rubles.
Grace period: 62 days.
Maintenance per year: from 0 rubles.
Cashback: yes.
Grace period when withdrawing cash: yes.

City Bank

Product: Just a credit card
Loan rate: 13.9% per annum.
Maximum credit limit: 300 thousand rubles.
Grace period: 120 days.
Maintenance per year: free
Cashback: no.
Grace period when withdrawing cash: yes.

How to steal money?

All fraud and theft schemes have a well-developed algorithm. Let's take a closer look at how and where you can steal money, as well as what is needed for this.

At an ATM

With some technical skills, you can steal cash directly from an ATM. One method requires access to the top of the device using a special splint.

This breaks the connection between the ATM software and the device itself that dispenses money (dispenser). After that, fake software is connected to the latter and the required command is given to issue cash.

For the second method, you will need a skimmer (reading device) and a hidden camera. The skimmer is attached to the hole for bank cards on the ATM, and the camera is installed in any place from which you can see the typed PIN code (for these purposes, you can also use an overhead keyboard that remembers keystrokes).

Video: Ways to steal money from plastic cards.

After the card owner inserts it into the device, all information on it remains on the skimmer. Then, using the received data and provided you know the PIN code, you can make a duplicate card and cash out the funds.

Hacking

Data on bank cards can be obtained without the use of special equipment, if the attacker is a hacker. It is enough to hack the server of a large bank and steal confidential information about the plastic cards of its clients.

Using this scheme, many criminals have already stolen more than one million rubles.

Bank or store robbery

Such an operation can only be carried out if there are accomplices. First, you need to carefully inspect the premises in which you plan to commit the theft, track all entrances and exits, and study the security system.

In order to have time to escape from law enforcement agencies, you also need to make sure that a car is waiting at the exit.

Black accounting

Working as an accountant and having access to company funds, an experienced financier will be able to regularly steal small amounts of money through fictitious transactions. For example, artificially inflate the company’s expenses (falsify checks or estimate documentation).

Pickpocketing

This type of theft occurs in crowded places, including public transport. During a stampede, it is easy to pull money and other valuables out of your pocket or bag. In addition, you can steal money from sleeping passengers on a train or bus. Yes, you can’t steal a million in one go this way, but if you work for a long time, you can save up.

Theft of funds through online services

To use this method, you first need to download the database of phone numbers. Such information is now publicly available on the Internet. Next, you can use several methods:

Send messages with the text: “Your card is blocked, call back at +7ХХ...ХХ. Your bank (be sure to indicate the name of a popular banking institution).”
Call clients yourself, pretending to be a security officer.

Under any pretext, you need to ask the owner for the card number and password to access online banking. After logging in, transfer funds to your account.

Robbery of houses and apartments

With this type of theft, criminals usually target a wealthy “client.” Then they track his daily routine (and that of his household) and, making sure that there is no one in the room, they break the lock and sneak into the house or apartment.

Theft from cars

Car owners often leave purses, bags, and wallets in the car, which can be seen through the car window. If an attacker knows how to hack a car alarm, then stealing money this way is as easy as shelling pears.

Pawnshops

Pawnshops are another answer to the question of where to get money from. If the client has quite expensive equipment or jewelry, they can be pawned at a pawnshop and get a good amount. It should be borne in mind that this amount will be significantly lower than the cost of the pledged items. On the other hand, no one bothers you to return after a few days for your property and repay the entire debt.

Mosgorlombard

Issues money secured by various property, and buys jewelry made of gold and silver. Specific prices and features depend on what the client wants and what he brought to the pawn shop. As the name suggests, this company operates primarily in Moscow.

585GOLD

This chain of jewelry stores has a fairly large number of pawnshops in many localities of the Russian Federation, and not just in Moscow. Please note that only precious materials are accepted here. The price depends on the current exchange rate and many other features.

Perspective

This pawnshop differs from the rest in that it focuses on watches, no matter what they are. They also accept jewelry, but only those containing diamonds. Specific amounts, rates and other figures depend on the client and his property.

Aurora

A classic pawnshop that accepts both equipment and various items or jewelry. Payments up to 80% of the market value of the property. It is possible to evaluate items online before visiting the pawnshop.

Good

It differs from the rest in that it is focused exclusively on electronics and technology. As a result, the conditions here, due to narrow specialization, will be slightly better than those of competitors.

How to get money for free

Is it possible to get money just like that, without giving away your property in return and without wasting precious time? Let's look at profitable, but sometimes dubious options.

Bets at bookmakers

You can place bets around the clock and without leaving your home.

Sports betting is a legal, but unreliable way to make money that can only bring profit to a few.

If you have a sufficient amount to place a bet and know how to correctly analyze forecasts of sporting events, then you can try your luck and take up to 2,000,000 rubles.

Online casino

Online casinos, like sports betting, are classified as gambling. Winning depends largely on chance, and not on the skill or knowledge of the players.

If you are counting on taking money for free, be prepared to first experience significant financial losses on bets, and at the same time neurosis and misunderstanding of loved ones.

Crowdfunding

Participating in crowdfunding projects is a reliable way to get money online for free. Before you receive the required amount, be prepared to put together a competent project or presentation for your request for financial assistance.

Please note that such platforms are created for original startups, inventions and creative ideas. You should look for sponsors on Kiwi Fundle, Planeta.ru or Boomstarter.

Video: What projects can be launched on crowdfunding platforms to raise a large amount of money.

Ask wealthy people

If you seriously work through your circle of acquaintances, you will definitely be able to remember people with serious income. You can borrow money from rich friends for a long time or ask for a small amount as a gift without specifying a return date.

If you explain what needs the funds will be spent on, and also promise to repay debts as far as possible, a person will be more willing to part with his savings.

Loans through intermediaries

There are numerous not particularly legal companies that offer to take out loans through intermediaries. This service is usually relevant only for those individuals who cannot independently borrow money from a bank or microfinance organization due to bad credit history. You need to understand that such intermediaries are most often scammers and they all conduct illegal activities. As a result, with a high degree of probability the client will not only receive nothing, but will also remain in debt. There are exceptions, but they only confirm the rule. If you still manage to find someone who is not a scammer, then you need to prepare for extremely unfavorable conditions: a small amount, a very short period of time and an incredibly high percentage.

Where to borrow money urgently

Almost anyone can find an amount of about 20-50 thousand rubles Let's look at the main options.

Banks

The easiest option is to get a certain amount urgently. Do you need a consumer loan or credit card? In the first case, you will have to wait for the application to be reviewed, but many financial institutions have begun to issue non-targeted loans during business hours .

A credit card is a more convenient and cheaper option due to the presence of a grace period; it is especially good if it has already been issued and the limit is open. You can borrow urgently from a credit card in cash or by bank transfer, but when withdrawing money from ATMs, a commission of about 4-5% of the total amount is usually charged.

Banks lend from 5 to 500 thousand rubles, more only for the purchase of housing or on collateral.

MFO

Leaders in the rating of credit institutions that provide urgent loans. Here they will not require a large package of documents from you, and they will not make you wait long for an answer. On average, the amount needed by the client is issued within an hour on a working day. Payment methods: bank card and cash. The first limits are not very high; with repeated applications, an MFO client can request amounts from 20 thousand rubles. There are many microcredit organizations that allow you to borrow urgently 10,000 rubles and a large amount, the conditions are different.

Compare offers to choose the one that is best for you. Some offices give test loans to new clients at 0% (read how to get money for free on the website of a specific microfinance organization).

Pawnshops

If you urgently need a loan and have something to pawn, go to a pawnshop. Not everyone will be accepted here, but you can ask. They usually pawn household goods, digital equipment, jewelry, and some other material assets. They give no more than half the cost in hand; after the loan period expires or earlier, the item can be returned by paying the amount of the debt with interest .

Where can I get 500,000 rubles urgently and will they give me that much at a pawnshop? Only if you pawn a good car - for rings and other jewelry, phones and household appliances, the price is much less (from 1000 rubles).

Private lender

Private individuals issue loans to everyone at interest . There are no special pitfalls here, but a lot will depend on the honesty of the lender. Plus, if you urgently need a large amount of money, you will need to provide collateral. Money is borrowed for a certain period of time, repayment schemes can be different, prolongation is usually not provided.

Amounts are usually issued from 30 thousand rubles.

Brokers

These are intermediaries who help you quickly borrow 500,000 rubles or another amount from a bank, microfinance organization, or private individual. Their services cost money, but you will receive a loan very quickly and virtually guaranteed. When you urgently need money and all the main options have already been tried, you can turn to a broker for help. This, of course, is not an option to get an amount of about 10,000 rubles , since brokers take on large loans (from 50,000) and require 10% of the loan amount for intermediation.

P2P

A separate online lending format. P2P portals are specialized resources for finding borrowers and investors. The site acts as a mediator and arbitrator; a percentage . On the portal you can see the rating of participants. The first lending is done by the site itself; only if there is a positive return on the loan, the client will be provided with an investor. The amounts are the same as in microfinance organizations ( from 10-20 thousand rubles ).

Contact friends and acquaintances

You can only find money among your friends if they have it, and you don’t owe it to everyone around you. But you can try - after all, in friendship, interest is usually not provided. The amount depends on the generosity of your social circle.

Apply for a loan at work

Try contacting your current employer.

Many company owners are willing to accommodate their employees by lending money to pay their salaries.

Another option is to ask for a bonus or advance ahead of time. Employers rarely give more than a couple of salaries, so if you urgently need a very large amount of money, look for other options.

Electronic money

The WebMoney system has its own lending service for certified users. If your certificate is higher than the initial one, submit an application in the internal lending service “debt.vembani” , get answers from lenders, evaluate the conditions, if everything suits you, then sign an online agreement. The loan is transferred to an electronic wallet.

Loan amount from 1 to 100 dollars ; to take out more, you need to have an established credit rating within the system.

Credit communities

This is also a working option on how to get money. Here they won’t give you a lot quickly, or just like that, but why not try. Credit communities are groups of private investors who provide loans at interest. Most likely, you will be asked for collateral, collateral, as a guarantee of return of funds.

Loan amount – from 25 thousand rubles.

Private loans

Another far from the most legitimate option is a private loan. Some people offer to lend money to other people. This is usually formalized as an ordinary promissory note, with a receipt. The main problem is with the ever-increasing demands of the lender. He can change the terms almost every day and the borrower has no other option but to pay more and more. And if you refuse, then there is a possibility of physical pressure (debt collection). At the moment, this method of getting quick money is considered very dangerous and extremely unprofitable. If such a need arises, it is better to borrow money from friends or relatives.

What happens if the owner is found?

The loss of a large sum is always reported to the police. Therefore, you should not hope that you will become fabulously rich thanks to the find - the one who lost the money will take it back if he can provide evidence that it is his.

Proof

present the application that was filled out at the police station after the loss;
indicate how much, when and where were lost;
account statement if the lost cash was withdrawn from an ATM or received at a bank;
receipt if money is borrowed.

If the owner of the money does not have a statement from the police about its loss, then he will not be able to return it.

Loans secured by property

This type of loan is not particularly urgent and is hardly suitable as an answer to the question of what to do if you urgently need money. On the other hand, this loan option requires a fairly large amount. As a result, if time is not the most important indicator, but you need to get as much money as possible, then it makes sense to focus on this type of lending. Let's take a closer look at each of the property options that can be issued as collateral.

Borrow money from 1000 rubles

Consent to the processing of personal data

I, freely, of my own free will and in my own interest, give my consent to the limited liability company “ARSfin”, OGRN 118774634655 (hereinafter referred to as the “Company”), to the processing of my personal data on the following conditions.

Terms and Definitions

1.1. “Financial services operator” is a legal entity that provides banking, insurance, microfinance services, securities market services, leasing agreement services, and payment system services. Operators of financial services are published in registers on the website www.cbr.ru, and their name and registration number are considered included in this Consent or in the consent formed as an appendix to the Consent, at the specified link.

1.2. “Mobile radio operator” is a legal entity that provides mobile radio services. Mobile radio operators are published in registers on the website www.rkn.gov.ru, and their name and registration number are considered included in this Consent or in the consent formed under the annex to the Consent, at the specified link.

1.3. “Credit bureau” is a legal entity that provides services for the formation, processing and storage of credit histories, as well as the provision of credit reports and related services. Credit bureaus are published in registers on the website www.cbr.ru, and their name and registration number are considered included in this Consent or in the consent formed as an appendix to the Consent, at the specified link.

1.4. “Consent” – real consent to the processing of personal data.

1.5. The Financial Services Operator, Mobile Operator, Credit Bureau are collectively referred to as the “Operators”.

1.6. “Personal data processing” – any action (operation) or set of actions (operations) with personal data performed using automation tools or without their use. Processing of personal data includes, but is not limited to: collection; record; systematization; accumulation; storage; clarification (update, change); extraction; usage; transmission (distribution, provision, access); depersonalization; blocking; deletion; destruction.

1.7. “Automated processing of personal data” – processing of personal data using computer technology;

1.8. “Providing personal data” – actions aimed at disclosing personal data to a certain person or a certain circle of persons;

1.9. “Depersonalization of personal data” – actions as a result of which it becomes impossible, without the use of additional information, to determine the ownership of personal data to a specific subject of personal data;

List of processed personal data

The personal data processed by the Company includes the data directly provided by me from the list below, as well as data opened by me, published on the Internet and available there in the public domain. My provision of personal data to the Company can be done both at the time I give Consent and at any time later, during the validity of the Consent. Personal data provided by me during the validity of the Consent is processed on the terms of the Consent, unless I give other consent to the processing of personal data.

Identification data, that is, data by which my identity can be identified: last name, first name, patronymic, gender, date and place of birth, name and details of the identity document (series and number, date of issue and name of the authority that issued the document), identification taxpayer number, SNILS, policy number in the compulsory health insurance system.

Contact information (that is, data by which you can interact with me): residential address, address of location (stay), mobile phone numbers, landline phone numbers, email addresses, public social network profiles, my identifiers in Internet messengers; contact details of my representatives.

Payment data: payment card number, electronic means of payment number, bank account details.

Data about my equipment (devices), which I use to perform actions on the Internet, to receive services from Operators: data about equipment identifiers, SIM card identifiers, equipment location, cookies, software used in the equipment, technological data provided by the equipment when transferring data (protocols used, IP addresses, etc.). I am aware that the settings of my equipment may be such that some data is transmitted by my equipment regardless of this consent and/or revocation of this consent and the actions of the Company. I understand that my equipment settings are under my control and if I wish to stop my equipment transmitting data to the Company, I must change my equipment settings myself.

Financial and property data: the amount of my income, the amount of my expenses, data on the amount of my debt under financial service agreements, the amount of payments due to me under financial service agreements, the property owned by me; data about my scoring scores in the Credit Bureaus.

Data on my financial transactions: data on the number, date of my agreement with the Company, cash flow under the agreement with the Company, the fact of debt, amount of debt, including data on the principal debt, accrued interest, sanctions, data on previously concluded credit agreements, loan agreements, other agreements and my fulfillment of obligations under them.

Data about my employment and entrepreneurship: data about my sources of income, places of work, addresses of work, number of employees in the organization, position, length of experience; about my holding positions in the management bodies of legal entities.

Data about my relatives: data about my marital status, number of children, members of my family, my relatives, other persons living with me, my neighbors.

Information about my legal status: information about my bankruptcy, information about my disqualification from holding certain positions, information about my corporate participation in organizations, beneficial ownership of organizations, information about my citizenship.

Actions performed with personal data

Consent is given to any action or set of actions performed with personal data, including collection, recording, systematization, accumulation, storage, clarification (updating, changing), extraction, use, transfer (distribution, provision, access), depersonalization, blocking, deletion , destruction of personal data, transfer of personal data to the Company’s archive.

Consent is given, among other things, to the transfer of personal data by the Company to Operators. In this case, it is considered that the Operator receives my consent to process personal data in the form set out in Appendix 1 to the Consent. The Company can use automation to fill out my consent to the processing of personal data in the specified form, in connection with which the final consent to the Operator can be automatically filled in with my personal data previously transferred to the Company and the data of a specific Operator. At the same time, the Company does not have the right to sign any consent for me regarding the processing of personal data and can only confirm my consent to the Operators by providing information from the information system.

Consent is given, among other things, to send me information messages, including advertising, over radio networks using mobile operators.

Consent is given, among other things, to the assessment of my creditworthiness, calculation and/or receipt of my scoring score by the Credit Bureau and/or from the Credit Bureau.

Consent is given, among other things, to familiarize yourself with my open data on the Internet, including data from social networks, as well as, but not limited to, to build mathematical models based on such open data.

Consent is given, among other things, to the Company conducting research, including statistical research, using my personal data, as well as transferring my anonymized personal data for research, including statistical research, to third parties.

Consent is given, among other things, to receive advertising from the Operators and its partners on telecommunication networks, including through the use of telephone, fax, mobile radiotelephone communications, by e-mail, using the telephone numbers specified in this Application (for sending SMS messages, calls by phone) and email address (for sending messages by email), as well as by sending Push notifications.

Consent is given, among other things, to the Operator sending me a free notification about the fulfillment of obligations under the loan agreement/violation of the terms of the loan agreement/the presence of overdue debt, the current debt repayment schedule in case of partial early repayment of the loan, about changes in the interest rate, etc. by sending SMS/e- mail messages.

Purposes of processing and method of processing

The purpose of processing personal data is:

my receipt of various financial services during the period of validity of the Consent from the Operators, for which the Company will store and transfer my personal data to the Operators;

contacts with me as a potential consumer of the Operators’ services to promote the Operators’ services;

my receipt of advertising mailings via communication networks;

assessment of my creditworthiness;

building mathematical models based on my open data on the Internet;

interaction with third parties aimed at returning my overdue debt;

contacts with me as a potential consumer of the Company’s services to promote the Company’s services;

I receive information from the Company about the list of operators who process my data using the Company’s information system;

increasing the quality of offers provided to me from Operators, for which the Company can organize a study of my personal data, including statistical data, as well as a study of the actions and reports of my equipment.

The method of processing personal data by the Company is automated processing.

Duration of consent and its revocation

The validity period of the Consent is 10 years. Consent can be revoked by making a written withdrawal on paper, signed by hand. This withdrawal of consent must be sent by me to the Company's address by postal service. I understand that revocation of Consent does not mean that my personal data will not be used by operators other than the Company, to which my personal data was transferred at the time of such revocation.

My giving of Consent does not prevent me from giving the Company other consents to the processing of my personal data. If in relation to the same personal data I have given the Company several consents, the one given later is valid, and only to the extent that it differs from the Consent. Giving other consents to the processing of my personal data does not cancel the Consent and changes it only to the extent that it is directly indicated (or clearly follows from the texts of the consents).

Method of providing Consent and personal data. Formation of Consent on the media

I can provide my data and change the provided volume via the Internet, including, but not limited to, through questionnaires, mobile applications, authorization on social networks, by phone, by codes in SMS messages, through a unified identification and authentication system (USIA) . I can provide my data and change the provided volume by contacting the Company on paper, with my signature certified by a representative of the Company and/or a notary.

The formation of Consent in an objective form (on paper or electronically) is carried out by combining in an automated way the personal data provided by me and the form of this Consent.

Appendix No. 1

to consent to the processing of personal data

Consent form for the processing of personal data

service operator

Me, filled in automatically from the data I provide

, freely, of my own free will and in my own interest, I give my consent,
filled out automatically from the list of Operators
(hereinafter referred to as the “Company”), to the processing of my personal data on the following conditions.

The information provided by me to the Operator is complete, accurate and reliable and can be documented by me.

List of processed personal data

Payment data: payment card number, electronic means of payment number, bank account details.

Data about my equipment (devices), which I use to perform actions on the Internet, to receive Company services: data about equipment identifiers, SIM card identifiers, equipment location, cookies, software used in the equipment, technological data provided by the equipment when transferring data (protocols used, IP addresses, etc.). I am aware that my equipment may be configured such that some data is transmitted by my equipment regardless of this consent and/or withdrawal of this consent and the actions of the Company. I understand that my equipment settings are under my control and if I wish to stop my equipment transmitting data to the Company, I must change my equipment settings myself.

Data about my employment and entrepreneurship: data about my sources of income, places of work, addresses of work, number of employees in the organization, position; about the length of my experience and about my holding of positions in the management bodies of legal entities.

Data about my relatives: data about my marital status, number of children, members of my family, my relatives, other persons living with me, my neighbors.

Data about my legal status: data about my bankruptcy, data about my disqualification from holding certain positions, about my corporate participation in organizations, beneficial ownership of organizations, about citizenship.

The list of personal data also includes all other data specified (changed) by me in the application for financial services, as well as in the documents (information) provided by me to the Company when considering my application for financial services; all other data specified (changed) by me in the questionnaire in the Company’s information system, provided that they are related to or are identification data.

Actions performed with personal data

Including, but not limited to, the following actions: transfer of my anonymized personal data to third parties for the Company to enter into an agreement providing for the assignment of the right of claim under my agreement with the Company, transfer of the right of claim as collateral, taking actions aimed at returning overdue debt, or granting appropriate powers by issuing a power of attorney; the Company's negotiations on the conclusion of an agreement providing for the assignment of the right of claim under my agreement with the Company, the transfer of the right of claim as collateral, the implementation of actions aimed at the return of overdue debt, or the vesting of corresponding powers by issuing a power of attorney; transfer of my personal data when the Company takes actions aimed at returning overdue debt, transfer (communication) of information about me, overdue debt and its collection and any other personal data of mine to third parties, including credit institutions, as well as persons engaged in recovery of overdue debts as the main type of activity included in the state register; transfer of my personal data to the credit history bureau for the Company to provide information to the credit history bureau about my application for a financial service, and for the Company to receive a report on my credit history.

Purposes of processing and method of processing

The purpose of processing personal data is:

my receipt of services provided by the Company and my fulfillment of obligations to the Company, including, but not limited to the following: registration in the Company’s information system; reviewing my application for a service, assessing my solvency, making a decision on my application for a service, concluding and executing a credit/loan agreement; providing me with information about my debt, methods of fulfilling my obligations to the Company;

providing me with information as a client of the Company about the services provided by the Company;

contacts with me as a potential consumer of the Company’s services to promote the Company’s services;

confirmation of the authority to own and use my email address, mobile phone number, payment card, electronic means of payment, and my other payment details; my receipt of notices and documents related to financial services agreements; receipt of funds from the Company and transfer of funds by me to the Company (loan repayment, interest payment, etc.);

interaction with third parties aimed at returning my overdue debt.

Consent is given, among other things, to send me informational messages, including advertising, via radio networks using mobile operators, which can be filled out automatically

Consent is given, among other things, to the assessment of my creditworthiness, calculation and/or receipt of my scoring score by the Credit Bureau, which can be filled out automatically and/or from the Credit Bureau.

The method of processing personal data by the Company is automated processing.

Duration of consent and its revocation

The validity period of the Consent is 10 years. Consent can be revoked by making a written withdrawal on paper, signed by hand. This withdrawal of consent must be sent by me to the Company's address by postal service. I understand that after such a revocation, representatives of the Company can continue to communicate with me regarding my debt and other unfulfilled obligations to the Company, and also that the Company has the right to continue processing my personal data without my consent if there are grounds specified in paragraphs 2 - 11 of part 1 Article 6, Part 2 Article 10 and Part 2 Article 11 of the Federal Law of July 27, 2006 No. 152-FZ “On Personal Data”.

My giving of Consent does not prevent me from giving the Company other consents to the processing of my personal data. If in relation to the same personal data of mine I have given the Company several consents, the one given later is valid, and only to the extent that it differs from the Consent. Giving other consents to the processing of my personal data does not cancel the Consent and changes it only to the extent that it is directly indicated (or clearly follows from the texts of the consents).

Other conditions

I am hereby informed:

• that if within one year the total amount of payments for all obligations under credit agreements that I have on the date of applying to the Operator for a consumer loan, including payments on the consumer loan provided, exceed fifty percent of my annual income, there is a possibility for me the risk of failure to fulfill obligations under a consumer loan agreement and the application of penalties to me.

I hereby confirm:

I agree that the Operator is not responsible for damage, losses, expenses, as well as other negative consequences that may arise if the information in the SMS/PUSH/e-mail message sent to me by the Operator using the details specified by me in the Application (mobile phone number/email address), will become known to third parties, and also does not guarantee confidentiality in relation to the information sent by me or received from the Bank (data transfer) through unsecured channels. I understand that using electronic communication channels (email and mobile phone) to obtain information is not secure and increases the risk of unauthorized access to this information by third parties. I am also notified and agree that the Operator is not responsible for possible misuse of users’ personal information that occurs due to technical problems in software, servers, computer networks beyond the control of the Operator, or as a result of illegal actions of third parties.

Secured by PTS

PTS is a vehicle passport. Typically, such a pledge involves the pledge of the document itself, but not the car (it remains with the owner). Banks also practice issuing loans without withdrawing the title, only upon concluding a vehicle pledge agreement. The amount of a possible loan is determined based on the market value of the car, taking into account adjustments (application of reduction factors) for depreciation. On average, an amount is issued in the amount of 50 to 80% of the cost of the car based on its make, model, age and other features. Popular offers:

Gazprombank

Loan parameters:

Name of loan product: Light.
Loan rate: from 9.5% per annum.
Minimum loan amount: 50 thousand rubles.
Maximum loan amount: 3 million rubles.
Loan term: up to 7 years.

ICD

Loan parameters:

Name of loan product: Non-targeted.
Loan rate: from 10.9% per annum.
Minimum loan amount: 50 thousand rubles.
Maximum loan amount: 5 million rubles.
Loan term: up to 15 years.

Loko Bank

Loan parameters:

Name of loan product: Secured by car.
Loan rate: from 10.4% per annum.
Minimum loan amount: 1 million rubles.
Maximum loan amount: 5 million rubles.
Loan term: up to 7 years.

Eastern Bank

Loan parameters:

Name of loan product: Comfort.
Loan rate: from 11.5% per annum.
Minimum loan amount: 25 thousand rubles.
Maximum loan amount: 500 thousand rubles.
Loan term: up to 3 years.

Sovcombank

Loan parameters:

Name of loan product: Superplus.
Loan rate: from 14.9% per annum.
Minimum loan amount: 200 thousand rubles.
Maximum loan amount: 1 million rubles.
Loan term: up to 5 years.

Secured by passport

No one has the right to give out money on the security of a passport. A passport is the personal document of any citizen of the Russian Federation and confirms his identity. As a result, no one will confiscate it. Such loans are usually issued in circumvention of current legislation, and they are never distinguished by favorable conditions for borrowers. It is strictly not recommended to give your passport to third-party people or organizations, regardless of what exactly they promise. It should be noted that in most microfinance organizations the only document required for registration is a passport of a citizen of the Russian Federation with registration. But no one takes it - they just make copies.

Secured by real estate

Another popular type of lending is secured by real estate. Of all the options, it has the most favorable conditions, a large amount, a low rate, and so on. On the other hand, registration takes longer, property insurance is required, regular checks by the bank are possible, and so on. For the purposes of this article, this type of lending can only be used if the client is willing to sacrifice time in exchange for loyal conditions and a large amount. At the same time, one should also take into account the option that in case of non-repayment of the loan, the property will be seized and sold at auction. All proceeds will go towards paying off the debt. Popular loan products:

TKB

Loan parameters:

Product Name: Convenient.
Loan rate per year: From 16.5%.
Loan term: Up to 10 years.

Zapsibcombank

Loan parameters:

Product name: Secured by other real estate.
Loan rate per year: From 10.8%.
Loan term: Up to 10 years.

Uralsib

Loan parameters:

Product name: Secured apartments for any purpose.
Loan rate per year: From 11.25%.
Loan term: Up to 10 years.

VTB

Loan parameters:

Product name: Secured by real estate.
Loan rate per year: From 11.8%.
Loan term: Up to 10 years.

Raiffeisen Bank

Loan parameters:

Product name: Non-target secured by existing housing.
Loan rate per year: From 11.99%.
Loan term: Up to 10 years.

Sell personal valuables

If the question arises about where to get money for free, then you can consider the option of selling valuable personal items. This could be equipment, appliances, clothing, jewelry, antiques, and so on. Almost everything from the above list can be taken to a pawnshop. If the conditions at the pawnshop are not satisfactory, then you can use various services, such as Avito and others. Having put things up for sale, you will have to wait until a buyer appears. As practice proves, if you set the price below the market price by about 10-20% (compared to other similar offers), you can find a potential buyer very quickly.

Freebies on the Internet

As promised, I will show you where it is and how much money you can get for free. But before that, you need to register an electronic wallet Webmoney, you will receive free money on it, and then you can withdraw it to a bank card or wherever it is convenient for you.

Collection of Webmoney bonuses

Let's start with the most famous way to get freebies, this is collecting bonuses to your wallet. Bonuses are awarded in the form of money. There are certain sites that give out bonuses to everyone who visits such a site, you just need to enter your wallet number in a special field and you will receive a bonus.

changetime – the site gives a bonus from 0.01 to 0.07 kopecks, depending on the day of the week, if today is Monday, then the bonus is 0.01, if it is Tuesday, then it is 0.02, and so on. It is possible to increase the bonus; this is written in detail on the website.

superlend – the bonus is issued once every 24 hours; after visiting the site, you need to log in using your wallet and receive the bonus.

Free wm bonus – on this site, you can receive 1 bonus every 3 hours.

wmcasher – in the bottom right column, you need to enter your wallet and captcha, after which you will receive a bonus.

bonuswm – the service provides a list of sites that give out bonuses. If you register on this service, you will receive +0.005 kopecks for each bonus.

This is not a complete list of bonuses, there are a lot of such sites, if you need more such sites, you can look at other sites that give out bonuses.

Referral programs

When looking for an answer to the question of where to get money for free right now, many people remember all kinds of referral programs. Most often, such programs involve the issuance of some goods, services, bonuses or discounts on purchases, but not a direct transfer of money. However, if you search hard, you can always find at least 1-2 similar offers. It should be borne in mind that the main difficulty here is finding those to bring. The referral program provides payment only if the client refers another new client. The problem is that convincing people to buy something or invest money can be extremely difficult. Actually, it is for the latter reason that this method of earning money is considered far from the most profitable.

Forex market

If you need to understand where to get money urgently, without a loan, then you can pay attention to stock trading. In particular, to the Forex market. This system involves trading various assets on an exchange and then receiving income from the sale at a cost different from the purchase price. The system is very simple and similar to the market one: buy cheaper - sell more expensive. The main problem: in order to start trading, you must first deposit the amount for which the assets will initially be purchased. In addition, stock trading is not for beginners. A person must understand what he is doing, how it all works, what features there are, what tools to use at what point in time, and so on. Experienced traders simultaneously work with several assets, compensating for possible expenses in one place with potential profits in another.

Where can I get 1,000,000 rubles without a loan and urgently?

Surely, many people are wondering where to get a million for free, without a loan. Risks always exist, but there are fairly stable investment areas. It is worth paying attention to the securities of companies showing growth at the end of 2020.

These are such giants as Amazon, for which profits are predicted to be over 150% next year, VISA, Google and its YouTube service. The latter is actively buying up promising startups. An increase of more than 30% is promised for the cloud company Salesforce. Tesla's business also improved significantly after the end of the scandals surrounding Elon Musk.

In the field of big data, CyrusOne is now the leader. Speaking about Russian companies, we should mention IRKUT, DEK and Tatneft. They entered the top 3 most profitable - 293, 109 and 61%, respectively. Shareholders of NOVATEK, Rosneft and Bank Vozrozhdenie (preferred) received slightly less. Lukoil is doing well, having reduced costs this year, which has allowed it to increase dividends.

You can buy shares now in literally 5 minutes by filling out a form and installing the Tinkoff Investments application.

Start investing

Let's not forget about cryptocurrencies. Now the rates have collapsed, thanks to which you can buy coins and tokens of startups at a minimal price. There is a high probability that the bearish trend (decrease in value) will end and a new rise will begin. In addition, now the ruble is not feeling very stable, so for the purpose of diversification, one can consider cryptocurrency as an analogue of dollars and euros, as a way to prepare for a possible devaluation in the coming year. We have already observed this situation before – from $1000 the price of the crypt rose to $20,000. But remember, this is a high-risk asset and there are no guarantees.

Become a donor

Another answer to the question of where to get money free of charge and urgently is to become a donor. But you need to understand that they pay very little for “classic” blood donation (if they pay at all). Most often, “payment” is made by providing an additional day off at the place of work. Additional bonuses and, especially, direct payments are practically not practiced. Another thing is organ donation. You can make very good money here, but there is a huge problem - a person loses his organs forever. For example, a kidney. Yes, there are two of them, yes, you can live with one, but it’s much worse and more difficult than with two. Specific proposals should be sought from specialized organizations. It is strictly not recommended to agree to offers from dubious persons or companies. In the latter case, there is a serious possibility of not only losing organs, but also not receiving money.