Sravni.ru review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Sravni.ru is a Russian loan marketplace for borrowers with a thin credit file, offering personal, payday, consolidation, credit line, secured and car loans at fixed rates. Amounts run RUB 3,000 to RUB 100,000 and the APR band is 0% to 292%, so the cost depends on which partner takes your application.

Key facts

Best for
Comparing several Russian lenders in one application, with a soft prequal credit check.
APR
0% to 292% (Source, checked September 26, 2026)
Loan amount
RUB 3,000 to RUB 100,000 (Source, checked September 26, 2026)
Term
up to 12 months (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Decision in 5-15 minutes, money to card the same day (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Eligibility
18+ with a Russian passport and mobile number; up to 75 years depending on the MFO (Source, checked September 26, 2026)
Loan types
Personal, Payday, Debt-consolidation, Credit-line, Secured, Car (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
ООО «Сравни.ру» (ИНН 7710718303, ОГРН 1087746642774) (Source, checked September 26, 2026)
Headquarters
Russia (Source, checked September 26, 2026)
Founded
2009 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
sravni.ru

Mortgages

Initial rate
5.89% (Source, checked September 26, 2026)
APRC
16.122% to 33.061% (Source, checked September 26, 2026)
Maximum loan to value
85% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Legal entity
ООО «Сравни.ру» (ИНН 7710718303, ОГРН 1087746642774) (Source, checked September 26, 2026)
Headquarters
Russia (Source, checked September 26, 2026)
Founded
2009 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataX

Pros and cons

Pros

  • Credit check is a soft prequal process, so viewing offers needs no full search.
  • Funding speed: Decision in 5-15 minutes, money to card the same day.
  • Support on email, chat and phone, so help is easy to reach.
  • Ranges across personal, payday and debt consolidation loans, all on a fixed rate.

Cons

  • APR runs 0% to 292%, so a payday offer costs far more than a personal one.
  • Term stops at up to 12, so large balances cannot be spread over years.
  • It is a marketplace, so the partner sets the final terms.
Sravni.ru

Ready to try Sravni.ru?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Borrowers in RU with a poor credit record wanting several offers at once.
  • Anyone in a hurry, since Decision in 5-15 minutes, money to card the same day.
  • Homebuyers as well, with an initial rate of 5.89%.

Who should look elsewhere

  • Borrowers wanting longer terms, since the term stops at up to 12; Monzo Flex suits that better.
  • Anyone wanting one lender rather than a comparison, as Monzo Flex does at 10% to 23%.
  • The cheapest headline rate: Cashspace lists 0%, worth checking first.

Who runs it

Sravni.ru is run by ООО «Сравни.ру» (ИНН 7710718303, ОГРН 1087746642774), registered in Russia and trading since 2009. That company is the legal face behind the site, and its name carries its tax and state registration numbers. Support runs on email, chat and phone, so borrowers can reach a person by phone, chat or email.

How Sravni.ru compares

Where Sravni.ru is available

Available
Russia
Licence in Russia
Bank of Russia (financial platform operator register), checked September 26, 2026
Licence in Russia
Roskomnadzor (register of personal data operators), checked September 26, 2026

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

How much can I borrow, and over what term?+

Loan amounts run RUB 3,000 to RUB 100,000, covering everything from a small short-term loan to a larger personal one. The term reaches up to 12, so repayment is quick rather than drawn out. Spreading a big balance over years is not what this site is built for.

What rate will I actually pay?+

The APR shown runs 0% to 292%. Your own quote depends on the partner lender that accepts your application, and because Sravni.ru is a marketplace the rate is set after you submit details. Judge offers on the total repaid rather than the headline figure.

Is my application and my data handled safely?+

Sravni.ru appears in Russia on the Bank of Russia register of financial platform operators, and also on the Roskomnadzor register of personal data operators. Both entries cover the platform rather than the partner who lends to you. Since Sravni.ru is a marketplace, the lender's own terms decide what protection you get.

Does looking at offers hurt my credit file?+

The check is a soft prequal process, so a full credit search is not run simply to view offers. Each partner lender may still run its own check once you accept a deal, and lenders here work with applicants whose credit record is poor.

How fast is the money?+

Speed is the reason people come here: Decision in 5-15 minutes, money to card the same day. That timing suits an emergency repair or a bill that lands early in the month, and it is the clearest difference between this site and a lender that takes days to answer.

Who can apply?+

You need to be an adult with a Russian passport and a mobile number, and the site serves RU. The upper age limit is set by each lender rather than by the site, so read the offer that fits your age before applying.

What kinds of loan are available?+

The marketplace covers personal, payday and debt consolidation loans, so you can move from a short-term loan to a credit line, a consolidated debt plan, a secured loan or car finance on the same site. home improvement borrowing is listed too, for work on the home.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Representative example.

Sravni.ru

Sravni.ru

Comparing several Russian lenders in one application, with a soft prequal credit check.

9.1/10See alternatives

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