Very often potential borrowers are lured by the fact that promise to provide consumer loans or cash loans within 15 minutes at the time of treatment, and from the potential borrower in obtaining such loans will not need to provide any documents other than passports. Additionally, if the dawn of the Russian lending financial institution demanded payment of the potential borrower even when obtaining commercial loans initial contributions, to date, this nuance will be relevant only when taking out a mortgage and car loan, and even then not in all cases. According to financial analysts one of the most popular tricks of financial institutions advertising their own loan products are so-called interest-free loans that are issued to potential borrowers in times of celebrations such as new year or Christmas to buy expensive gifts to their relatives or loved ones. As practice shows, in anticipation of the holiday euphoria people try to do everything faster than usual, which is why few of us can detect in interest-free loans huge fees or existence insurance policies. Financial institutions, in turn, try not to spoil its clients with mood like little things and hold back fees. According to most psychologists about obtaining loans most often think people with low incomes. Of course, it all seems quite logical – they don’t have enough money, so they try to get loans. However, it is not strange looks, but this specific category of people in our country are very inclined to commit rash and spontaneous actions, which ultimately lead to the financial collapse or destitute. In other words, people with low incomes, why not try to live logically, and only based on their own emotions.