Owning a car is the dream of many people in Moscow. With its help, you can get to work in comfort, go grocery shopping, and pick up your children. To purchase it quickly and profitably, you can take out a car loan without official employment and documents confirming your income level. Such a service was made possible with the help of unique offers from the best banks in Russia. In them, almost all categories of clients will be able to get a loan without a certificate or guarantors. Such loans are issued to all residents of the country who have reached 21 years of age. In most cases, official employment, security deposit, military ID and other documents are not required. Such loans have long been not uncommon in Moscow and are issued with only 2 documents. This allows you to rent a car of the desired class even if you are unemployed.
Why you should take out a car loan
In Moscow, the cost of a new car is very high. Not every person, even with employment and a good income, can immediately purchase it. Favorable car loan allows you to make a purchase immediately without long-term accumulation of funds. Such targeted loans are issued according to a simplified scheme. They do not require a guarantor, a military ID, and do not need to obtain a 2nd personal income tax certificate. A wide variety of offers from reliable financial institutions in the country makes it possible to get a loan even without a down payment. Men under 76 years of age will be able to take out a loan for a car without a military ID in the amount of 100 thousand to 50 million rubles. Also, such profitable loans are available to women without proof of income and employment.
Assistance in obtaining a car loan without official employment
Our free service provides a complete list of financial institutions in Russia, where even the officially unemployed can get such a loan. It is worth using our services for a number of reasons:
- All information is current and verified by the administration.
- The represented banks do not conduct employment verification; they do not require the provision of collateral, a guarantor or personal income tax.
- Qualified specialists will provide the necessary consultations.
To get a loan for a car without 2 personal income taxes and collateral, you need to select suitable working conditions and proceed to applying for a loan. On the official website of the organization you will need to fill out a form, without indicating the type of employment. If you were unable to confirm your income and were refused by a regular bank, then you should definitely call us. In just a couple of minutes, we will select the optimal loan even for an unemployed person in order to purchase a car of the required class.
Is it possible to get a car loan without an income certificate and guarantors? How to get a car loan using two documents? How to increase your chances of getting a car loan without proof of income?
A car loan without certificates means without documents confirming income. Just a few years ago, getting a loan to buy a car on such terms was unrealistic.
Now banking institutions have become more loyal to potential clients, since the demand for lending among citizens is no longer the same as before the crisis. Financial companies need to survive somehow - hence the reduction in mortgage rates and the issuance of targeted loans on the most “humane” terms.
If you cannot officially confirm your income, but you still want to drive a car, then welcome to banks that do not need your certificates - they will trust you without them. How to get a car loan without certificates, I, Denis Kuderin, an expert on financial issues, will tell you right now.
Sit back comfortably and read to the end - in the end you will find an overview of banks that provide loans on favorable terms, plus tips on how to increase the chances of issuing a loan without certificates and guarantors.
1. Is it possible to get a car loan without certificates and guarantors?
Banks are serious organizations. They don’t like to risk their money without guarantees of its return, so when issuing loans they ask clients to provide extensive list of documents, confirming their identity and financial status.
However, time makes its own adjustments. The decline in demand forces financial institutions to work even with those clients who cannot provide them with the full package of required documentation.
Banks began to treat customers "softer", and look at lending issues "broader".
They are introducing programs under which those wishing to receive a car loan with only two documents - by passport and driver's license. If you don’t have a driver’s license, a military ID, tax identification number, international passport or insurance card will do.
This option is suitable for those who have no official income, but there is a desire to get your own transport.
By issuing loans without certificates and guarantors, banks take a big risk.
To reduce risks, financial companies do the following::
- They raise the interest rate– the difference between car loans with and without certificates ranges from 2 to 5%.
- Increase the down payment amount– in some banks this figure reaches 50%.
- Reduce loan amount– different banks have their own limits.
- Reduce the loan term– they won’t give a loan for 7 years. You will have to limit yourself to 3 years, or even 1-2.
- Register property as collateral– in our case, the purchased car becomes collateral.
- Requires compulsory CASCO insurance– in case of loss of the car, compensation will be used to pay off the debt.
Lending programs without certificates are sometimes called “ express loans" Such offers are available to customers with impeccable credit history and a positive reputation. In this case, the car will have to be purchased in partner dealer center at the price set by the seller.
Standard requirements for borrowers:
- age from 21 to 65 years;
- Russian citizenship;
- residence in the region where the bank operates;
- absence of outstanding loans in other financial institutions.
The main disadvantages of loans without certificates are you pay more, loan terms are shorter, the load on the personal budget increases to the maximum.
Example
For comparison, VTB has an auto loan for a car “ Suzuki» cost in 1.5 million rubles without certificates it will cost 19,9% per annum, with confirmation of income - in 16% . In the first case, the loan term will be 3 years, in the second – 5 years. First installment – 40% And 20% respectively.
The advantage is that the loan is processed faster. The bank makes a decision to issue a loan literally in a few hours, and the offer remains valid for 3 months. If you find a more profitable one during this time, use it.
There is another option - apply for a car loan through a car dealership. It happens that dealerships offer preferential programs from manufacturers of specific brands of cars. At the same time, a car dealership usually has several partner banks - if it doesn’t work out in one, it will definitely work out in another.
2. What do banks pay attention to when issuing a car loan - 3 main points
Car loans are not easy to obtain for young people and pensioners. It is relatively easy for all other categories of borrowers to do this.
Eat 3 main points, to which banks pay special attention.
Point 1. Production and age of the car
As a rule, car loans without income certificates are issued to new cars. Buying a used car with such a loan is much more difficult. Even if you manage to find a bank that will issue money for a used car, it will present special requirements to transport.
In particular, there should not be a car over 8 years old and have more than 3 owners in the past. In addition, it must be purchased officially - through a dealership.
Car loans without certificates are issued for new cars
State support - sale of cars on credit on preferential terms - applies only to domestically assembled cars costing no more than 1.5 million rubles . If anyone doesn’t know, in the Russian Federation they assemble not only VAZs, but also cars of foreign brands from “ Audi" before " Toyotas", so this condition does not particularly limit the choice.
Point 2. Age, citizenship and work experience of the borrower
A loan based on 2 documents without a 2-NDFL certificate and guarantors is issued to citizens over 21 years old and under 65 years old (in some banks the upper limit is 55 years old). If the borrower is a man under 27 years of age, he will be required to provide a certificate that he not subject to military conscription(it’s difficult to pay off a loan while serving in the army).
Registration in the same region or city where you are applying for a loan is required. They also require at least a year of work experience (for some banks, six months is enough). And it is advisable that in your last place of work you worked no less than 4-6 months.
If you are an individual entrepreneur, the period of your business activity must also exceed 12 months.
Point 3. Credit history
The bank verifies the client through credit bureau and through our own channels. The presence of unclosed loans in other banks almost always means a refusal to issue new ones. A complete lack of credit history is not the same as a good one.
To earn a reputation as an accurate payer, you need to have several closed loans without delays or complaints from the bank. The easiest way to do this is to apply for a credit card for a small amount and repay the loan on time. Or take it from a company that transmits information to the BKI.
3. How to get a car loan using two documents - 6 simple steps
I have already said that there are 2 options to borrow money for a car - through a dealership or directly from a bank. The best option is to apply for a loan at an institution where you already have an account.
For example, I have a salary card Alfa-Bank, which remained from the previous employer. I contacted the bank about a car loan, and they told me the following: 2 documents will be enough for you, but if in doubt, the bank has the right to request additional information.
The rate for me will be 12,49% against 15,99% on standard terms. What I mean is that it is useful to have a salary card.
If you choose lending through a bank, you will need a step-by-step guide.
Step 1. Select a bank
If you do not have an account with a specific bank or you are not satisfied with the lending conditions in " his» institution, look for more profitable and comfortable options. It happens that small regional banks offer more attractive programs than institutions with an extensive network of branches throughout the country.
But small banks have their drawbacks. If they go bankrupt or will lose their license, you still have to pay. At the same time, you will need to follow the news and find out about new conditions for repaying the debt yourself. You may not be notified of all the circumstances, and then... you will be summoned to court to collect your bail.
When choosing a bank, focus on:
- independent ratings;
- reviews from clients, acquaintances, relatives, information from Internet sources;
- length of service of the company;
- availability of branches in the region and city area you need;
- interest rates and credit conditions.
There is a good rule: The fewer documents the bank requires, the more the client overpays. Remember this when applying for a loan using 2 documents.
Use special comparison services on the Internet (for example - compare.ru). The variation in rates and conditions is quite noticeable. And a few “extra” percent in your favor is tens of thousands saved rubles.
Follow promotions and preferential offers. They are carried out by both banks and car dealerships.
Step 2. Prepare documents
Since our option is registration without income certificates and guarantors, everything is simple with the documents.
You will need:
- passport;
- driver's license (international passport, SNILS, INN, military ID).
If you have a work record, this is an additional plus. Make a copy and attach it to your application if necessary.
Step 3. Submit an application
If you don’t want to go to the bank and talk to managers in person, fill out the . This saves time. The application will be reviewed within a few hours or days, depending on the bank. To increase your chances, submit several applications to different banks and compare their offers.
Pre-approval of application– there is not yet a 100% guarantee of issuing a loan. The documents will definitely be checked again when you come to the bank in person to sign the agreement.
When submitting an application, please indicate the most detailed and only reliable information. Trying to hide important information (such as a criminal record) will work against you. The bank will definitely get to the bottom of the truth, and then they will definitely refuse the loan. It will also be blacklisted.
Step 4. Conclude a purchase and sale agreement with the seller
The bank gave the go-ahead! Let's go to the seller and register contract of sale. If the dealership and the bank act in conjunction (and most likely they will), the procedure is simplified. Having concluded a deal with a car dealership, you will immediately sign an agreement with a bank representative.
Signing a car purchase and sale agreement
If you have any questions or need help, feel free to contact the center managers. They know much more about car loans than you do and will be happy to help - this is their bread.
Step 5. We conclude an agreement with the bank and make a down payment
All that remains is to conclude agreement with the bank. Once you receive the contract form, read it from the first to the last letter. In decent institutions, no one will rush you - go somewhere aside, sit in a chair and study the document.
Pay special attention to these points:
- Real interest rate– banks that respect themselves and the client print the final rate on contract main page, and not hidden somewhere in the notes printed by petite.
- Commissions for financial transactions and account keeping– sometimes called “hidden fees”. The smaller they are, the better.
- Loan repayment methods– it’s great when there are a lot of them, and at the same time there is the option of transferring through a personal Internet account.
- Conditions for early repayment of the loan– some banks have a moratorium on such events.
- Your rights as an owner– Do you have the right to register it as a taxi or rent it out?
In the vast majority of situations, banks will require registration in addition to compulsory motor liability insurance, at least for a year. The best way to do this is in . It is convenient, relatively inexpensive and done online.
Step 6. Register the car and pay off the debt
We park the vehicle registered with the traffic police. 10 days are allotted for this from the date of conclusion of the sales agreement. Contact any traffic police department, regardless of registration. You need documents for the car, a receipt for payment of the state duty, .
Now you are a happy car owner. Follow traffic rules and make loan payments on time.
4. Where to get a loan to buy a car - review of the TOP 3 banks with favorable terms of cooperation
Don’t forget that a targeted car loan is not the only way borrow money from the bank. If you don’t have enough money to buy a car, apply consumer loan or take credit card.
These banks are the easiest to get a loan from.
invites users, in addition to regular consumer loans, to apply for a “Platinum” credit card with a limit of up to 300,000 rubles. Apply online – filling out the form will take more than 5 minutes, and the answer will be given in 2-3 minutes. For 55 days interest on purchases and withdrawals cannot be removed. You have every right to spend this money on buying a car. The card will be sent to your home within 2 days.
Tinkoff is the first bank in Russia, completely abandoned traditional offices. All operations are performed remotely – via the Internet, computer or mobile device.
issues cash loans in amounts up to 1 million at the rate 17% . There is a special car loan program - a new car secured by an old one. Requirements for collateral transport – age not older than 19 years, technical condition.
Persons over 20 years of age with official employment, permanent registration and residence in the city where the bank branch is located are eligible to participate in the program. You must also have a home or work landline telephone.
– cash loan up to 3 million rubles at the rate 14,9% per annum. To apply for a loan, you do not need to visit the office - submit an application online and receive a response within 15 minutes. Corporate clients and government employees receive preferential conditions.
If you are a salary client of the bank, to apply for a loan you will only need a passport and a second document (SNILS). Each client has the right to take during the debt repayment period credit holidays for 1-2 months. No interest will accrue during this period.
Comparison table of banking programs:
№ Bank Rate, % per year Amount, rub. Advantages 1 19.9 per year on a credit card, no interest charged for the first 55 days Up to 300,000 The card will be delivered to your home or office 2 (long-term use with the right to purchase after the end of the contract). Compared to a car loan, leasing has a more flexible payment schedule and a simpler application procedure. Collaterals and guarantors are not needed, and the rates are lower. If you decide to use leasing, contact us, here are the most favorable terms of the deal and additional privileges, in particular, free maintenance. The company has been operating on the market for more than 17 years and has already concluded more than 230,000 leasing transactions.
5. How to increase your chances of getting a car loan without proof of income - 3 practical tips
To increase your chances of getting a loan without proof of income, follow expert recommendations.
There you are 3 tips, which together and separately will increase the likelihood of a positive response from the bank.
The purchase of a CASCO (voluntary insurance) policy is required by 9 out of 10 financial companies. According to the law, the bank does not have the right to force the client to apply for CASCO insurance, but if he does not do this, he will simply be denied a loan.
However, if you follow this “recommendation” of the bank, your chances of getting a loan without certificates will increase significantly. Although you have to pay about 10% more per year. But in case of theft or serious damage to the car, you will have something to pay the bank with. Otherwise, you will be left without a car and without money.
I already talked about this - car dealerships conclude deals quickly and act as your personal credit broker. Sometimes they are not even particularly interested in their credit history; they have their own channels of interaction with banks.
True, interest rates on such loans will be higher. And you most likely won’t have a choice of insurance company - the car dealership will appoint you insurer.
The larger the down payment, the more confidence the bank has in the client. If you pay half the cost up front, you won't need to prove your income. Another thing is that not all clients have that kind of money. Expect at least 20% advance payment.
Watch a video about how to get a loan without an income certificate.
6. Conclusion
So, we figured out that a car loan without certificates is a real program that almost everyone has the right to take advantage of. Another thing is that you will have to pay more on such a loan and in a shorter period of time.
Question for readers
What do you think about car loans without certificates and guarantors? Write in the comments.
Our magazine wishes you a successful solution to your transport issue! We will be grateful for comments, feedback and comments on the article. Give ratings and likes on social networks. See you again!
Not all working citizens can document their income. One part works unofficially, the other does not have enough time to issue certificates.
Despite the lack of documentary evidence, this category of borrowers is solvent for banks; they are developing programs for providing loans based on 2 documents, including car loans without income certificates.
Loans for the purchase of a vehicle are targeted loans. This type of lending involves the execution of a transaction secured by the purchased car.
Need to know: An additional option to buy a vehicle is to obtain a non-targeted consumer loan. Loans are also provided against a passport (and a second document); the availability of collateral and other parameters of the transaction are determined depending on the lender.
Who issues a loan without additional information?
Without confirmation of the borrower's solvency and employment, loans are provided by state and private banks, credit cooperatives, and microfinance companies. Targeted loans for the purchase of vehicles are issued by credit institutions.
State banks
State structures and banks with state participation are characterized by a high percentage of loans; a multi-level system of customer verification leads to an increase in the processing time for applications.
Credit organizations provide loans according to 2 documents to salary clients who have a deposit, former borrowers of this company. A prerequisite is to have a positive credit history. The transaction can be completed by citizens of the Russian Federation with permanent or temporary registration.
A car loan program without proof of income is available at the bank with state passive participation VTB 24. Its name is “Autolight”.
A loan for the purchase of transport is provided to citizens of the Russian Federation with permanent registration, age from 21 to 65 years and experience of 3 months. The minimum income for Moscow residents is 30 thousand rubles, for other regions 20 thousand rubles.
Lending parameters:
- apply for a loan for the purchase of new and used vehicles;
- there are programs with and without mandatory CASCO registration;
- amount up to 5 million rubles. depending on the borrower’s solvency, which is calculated based on personal data;
- down payment from 20%;
- interest rate 14.7-16.5%;
- period up to 5 years.
Individual conditions are offered for corporate clients.
Conditions in other banks
There are no special targeted programs for purchasing a vehicle from banks. Consumer loans are provided for urgent needs, including for the purchase of vehicles.
| Name of the bank | Maximum amount, thousand rubles | Bid, % | Conditions |
| Rosselkhozbank– loan for any purpose | 10-1500 | 13,5-16,5 | Preferential conditions are offered to employees of budgetary organizations and clients with the “Reliable” status. The borrower's income is confirmed by a card account statement. |
| VTB | Up to 3000 | From 12.9 | Special lending conditions for salary and corporate clients, category of borrowers “People of Business”. |
| Sberbank | Up to 3000 | From 12.5 | The application is reviewed based on your passport; proof of income is required to make a decision. |
| Russian capital | 30–300 | From 13.9 | Income is confirmed by an account statement from the individual to which the salary is transferred. |
The table shows the initial interest rate. It increases or decreases if the borrower does not meet the standard requirements.
Rosselkhozbank increases by 3.5 percentage points if the borrower refuses life insurance:
Sberbank reduces the rate when applying for a loan online:
The amount of interest depends on the amount and term of the loan, the borrower’s status with the bank, and the availability of collateral under the agreement.
Private banks
Private banks offer less stringent lending conditions. There are targeted programs and the ability to choose conditions.
Targeted car loan programs based on two documents:
| Bank | Program | Bid | Duration, years | Perv. contribution | Conditions |
| SOVCOMBANK | "AutoSpets" Technique Alternative" |
From 12.9 | Up to 5 | From 20% | Permanent registration in the area served by the company for at least 4 months. |
| Bank Avangard | "Car loan" | From 19.0 | Up to 5 | From 30% | It is possible to execute a transaction in foreign currency. |
| Rusfinancebank | "Fast and Furious" | From 16 | Up to 5 | From 20% | Mandatory CASCO insurance. |
| Credit Bank of Moscow | "Car loan" | From 16% | Up to 7 | From 15% | For citizens of Moscow and the Moscow region. |
The loan amount is determined by the chosen car model, the amount of the down payment and the buyer’s income level. Car loans without certificates may be limited to a maximum period of provision - up to 3 years with high solvency.
You can apply for a loan through specialized banks, for example, Toyota Bank.
The bank provides loans for new and used cars. The range of vehicles is wide, providing a choice.
Requirements for the borrower:
The bank offers several programs: “Loan for the first car”, “Family”, “Standard”, “Legend” for the purchase of Toyota and Lexus cars.
Making a deal
Registration of a transaction includes several stages:
- Selecting a lender. This can be done using vehicle sales showroom websites. On the car dealership website you can select a car, equipment and fill out an application:
The buyer indicates the selected model, the amount of the down payment, and contact information. The system will select the appropriate and most favorable lending conditions. Next, the banks’ offers will be sent to the client’s email or the company manager will contact him.
- Filling out a loan application form. The buyer fills out a loan application form, where he indicates his monthly income and work experience.
- Payment of the down payment. After receiving approval of the application, the buyer pays the agreed amount of the purchase price with his own funds.
- Signing an agreement and issuing a loan. On the appointed day, the client comes to the bank or salon to conclude agreements: credit, collateral, car insurance, life and health of the debtor. After signing the documents, the funds are transferred to the seller.
- The borrower picks up the car from the dealership.
The transaction takes 2–3 days or more. When considering an application, the bank may impose additional conditions: provision of a guarantee, pledge of additional property, life and health insurance of the borrower, etc.
How to get a car loan for an unemployed person
Fact: Unemployed citizens who cannot confirm their income will not be able to apply for a car loan. Regardless of whether the client provides income certificates or not, he transmits information about monthly income through an application form. The data is checked by the security service and analytical departments of the bank. If inaccurate data is found, the transaction will be refused.
An unemployed person who has passive income can apply for a loan from microfinance companies, where the conditions for lending money are strict. Interest rate from 0.8 to 2% daily, term up to 30–180 days. Therefore, you first need to calculate your own financial capabilities for repayment and decide how necessary the transaction is.
Minimum requirements for the borrower
Loans are provided to citizens of the Russian Federation who have permanent or temporary registration in the territory where the bank operates.
Requirements:
- age from 21–23 to 65–70 years;
- minimum experience of 3 months;
- total experience of at least 1 year;
- having a constant sufficient income.
This is what the requirements for borrowers at Sberbank look like:
A mandatory requirement that is present in all bank loan programs is the absence of a negative credit history. To do this, when considering the application, consent to the request to the BKI is signed.
For targeted programs, CASCO insurance, life and health insurance of the borrower is mandatory.
Advantages and disadvantages
Any transactions carried out through a loan have their advantages and disadvantages. Before deciding to get a loan, you need to carefully weigh the pros and cons and determine the optimal purchase amount for your own budget.
pros
- the opportunity to purchase the car you want without your own savings;
- applying for a car loan to Russian citizens online;
- the buyer does not waste time collecting documents;
- the loan is processed quickly;
- at the same time, “financial protection” of the borrower from the occurrence of force majeure is issued;
- when purchasing a domestic car, it is possible to participate in government programs with subsidized interest rates;
- The borrower himself determines the optimal loan term.
Minuses
- with targeted lending, transport is collateral for the loan, it cannot be sold or transferred for use;
- the cost of the car increases significantly;
- additional payments;
- A down payment is required to apply for a car loan.
The choice of the lending program remains with the borrower. Which banking service is most beneficial depends on individual requirements. Often, taking out a consumer loan to further purchase a car is the best option.
Features of obtaining a car loan without income certificates
Along with strict requirements for the borrower, transactions have the following features:
- The loan will be provided to borrowers with a positive credit history.
- The initial contribution amount using your own funds should be from 15-30%.
- If a vehicle is borrowed through car loan programs, the vehicle will be left as collateral; when applying for a consumer loan, a guarantee or collateral of property may be required (depending on the size of the loan).
Car loan with employment certificate
If the client provides a certificate of sufficient solvency, the lending requirements will be softer:
- the interest rate is reduced by 2-3 points;
- the loan can be issued without compulsory CASCO insurance;
- the loan term is determined as maximum acceptable for the borrower;
- There are programs for obtaining a loan without a down payment.
Answers on questions
What document can be submitted instead of personal income tax certificate 2?
Banks offer to fill out an income certificate using the bank form.
Form from Rosselkhozbank:
Some financial companies accept card account statements as proof of income, for example, Rusfinancebank.
Who can be denied a car loan?
Banks do not disclose reasons for refusal; the most common are:
- insufficient solvency;
- negative credit history;
- inaccurate personal information.
If a loan is rejected, when can I reapply?
If the bank makes a negative decision, you can re-apply for a loan in 2-3 months if the borrower’s parameters change positively: income increases, the required minimum length of service appears, and funds are accumulated for the down payment.
The client can always apply for a loan through another company that sets loyal requirements.
Conclusion
Loans for the purchase of a vehicle under two documents do not have lenient conditions. The borrower must be prepared for a large overpayment, additional payments and commissions, and a high down payment.
However, the fact that these programs are available indicates their demand and the possibility of choice for the buyer.
Car loans are one of the most popular banking products in the Russian financial services market. The opportunity to immediately drive a car by purchasing it on credit attracts many consumers. After all, not everyone can save the required amount for such an expensive purchase. This page presents offers from all Russian banks, after studying which you can choose a product with the most favorable conditions.
Under what conditions can you take out a car on credit in Moscow?
Banks provide loans for the purchase of cars from domestic manufacturers and foreign cars on the following conditions:
- term – up to 5 years;
- average maximum amount – 3-4 million rubles;
- down payment – from 20%;
- the average interest rate is 10-14% per annum.
The loan is provided for new vehicles and used cars. Banks impose stricter requirements on those who want to purchase a used car on credit. The purchased property automatically becomes the bank's collateral. If the borrower fails to fulfill financial obligations, the car becomes the property of the lender. And a used car, as a rule, does not have high liquidity - it will be difficult to sell it for a refund. That is why it is quite difficult to get on favorable terms. One of the banks’ requirements concerns the age of a used car: the car should not be older than 5 years.
You can buy a car if you take out CASCO insurance, and this will significantly increase the size of the loan. Those who want to buy a car without a down payment should not count on low rates and flexible terms. The rate in this case can reach 25%. In this case, the bank may require the execution of an agreement with the guarantor to obtain additional guarantees.
The standard list of documents for obtaining a loan includes:
- passport;
- application in the form of a questionnaire;
- driver license;
- work book and salary certificate.
Some banks offer to buy a car on credit in Moscow without proof of income using two documents. This option is not suitable for clients with a bad credit history - in order to receive a positive decision, they need to provide the bank with as many documents as possible confirming their solvency and the presence of a stable source of income.
How to find a profitable car loan?
To find out what rates and conditions are offered as part of the lending program, use the search service on our website. Enter the loan amount and term into the search parameters. A loan calculator based on this data will show:
- a complete list of banks in the capital that are ready to provide a loan for the purchase of a car;
- interest rate;
- monthly payment;
- approximate amount of overpayment.
Comparing the performance of all credit institutions will help you make a choice in favor of one program or another. From our website you can apply for a loan and get a quick decision.
When choosing a banking product, SMS service, as a rule, is not one of the priority factors influencing the decision. However, in-depth knowledge about this service will be useful. In this article we present the results of a study of the cost and functionality of SMS information offered by Russian banks.
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13 Sep 2019New Product
VTB offers to refinance car loans
A new addition to VTB Bank’s line of financial products is a service for refinancing previously issued loans for the purchase of vehicles. The loan rate starts at 3% per annum. The borrower has the opportunity to replace the loan car. The maximum loan amount within the framework of the refinancing service with car replacement is
05 July 2019Rate changes
Energotransbank clients can now apply for a loan to purchase a car at a rate of 10.5% per annum. To obtain this rate, you must: have a positive credit history; have an ETB bank card; provide a certificate of income in form 2-NDFL; apply for a loan for the purchase of a new car category "B" imported
July 01, 2019Rate changes
Energotransbank reduced rates on car loans
The minimum rate for car loan programs at Energotransbank has been reduced to 11.5% per annum. The rate is relevant in case of purchasing a new car and signing up for a motor hull insurance agreement. If you refuse to conclude an insurance contract, the loan rate increases by 1.5% per annum. Borrowed funds are provided for a period of up to 5 years. Maximum
14 Nov 2018Rate changes
Car loans have become cheaper at VTB Bank
A loan for the purchase of a used luxury car from VTB Bank can now be obtained at a rate of 8.9% per annum. Purchasing a motor hull insurance policy is not a prerequisite for issuing a loan. The minimum cost of the purchased car is 1 million rubles. The motorist must pay from his own funds
25 Sep 2018VTB continues to issue preferential car loans
VTB Bank recalls the existence of a state program to support the automotive industry. Program participants can receive a car loan at a reduced rate. In addition, large families and citizens buying a car for the first time are given a 10% discount on the price of the purchased car as part of the services
10 Jan 2018
