What obstacles did Russians face when obtaining loans

The average credit rating in 2025 was 571-793 points, assigned to 30% of borrowers. A high rating of 794-874 points was also assigned to 30%. A very high rating of 875-999 points was assigned to 10% of borrowers. Another third (30%) fell into the low range of 1-570 points. Thus, 70% of borrowers are considered reliable or very reliable.

The most significant factor lowering the score was prolonged loan delinquency (-355 points). The number of existing loans also plays a role (each contributing up to -10 points). The United Credit Bureau explained that the total amount of repaid debt and the presence of closed loans also contribute to a positive rating. A credit rating directly affects lending terms—the likelihood of approval, loan amount, term, and total cost of ownership (TCO).

For example, those with a low rating could obtain a mortgage of no more than 2 million rubles; those with an average rating could receive 3.5 million; those with a high rating could receive 4.6 million; and those with the highest rating (above 950 points) could get 5.2 million rubles.

A low rating allowed for an average loan of 690,000 rubles for a new car and 380,000 rubles for a used vehicle, with the TCO averaging 28%. A high credit rating increased the car loan amount to 1.4 million rubles across all car types, with a TCO of 17%.

Author: Elina Akhmetova