Loan at Post Bank: feedback from recipients

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Unfortunately, we do not always have enough money at our disposal to buy what we need. How do people usually act in such cases? They try to get a loan from a bank they trust. But it doesn't always end well. In some cases, it is difficult to get approved for a loan. Some banks do not allow those persons who have not yet reached the age of twenty-one to receive them. There may be many obstacles, but the main one is still extremely unfavorable lending conditions that drive borrowers into new debts. Where can you get a loan without running into problems? Many who want to get a loan apply to Post Bank and continue their cooperation with it even after the loan is repaid. What attracts customers so much in getting a loan, a card at Post Bank? Reviews will help answer all these questions. So, what is the bank in question? How is the early repayment of the loan in "Post Bank"? Are customer reviews mostly positive or negative? What do borrowers not like in cooperation with the bank in question? How difficult is it to get a cash loan in "PostBank"? Customer feedback on this matter will be discussed later in this article. Be careful.

About the bank

"Post Bank" is a fairly young financial and credit institution, which was founded only in January 2016. The founders of the bank are the VTB Group and Federal State Unitary Enterprise Russian Post. The services provided by the bank in question are reduced to the following list:

• Opening and maintaining a savings account.
• Creating term deposits.
• Make payments and transfers.
• Internet banking.
• Mobile bank.
• Opening a retirement account.
• Debit cards.
• Various service products.
• Credit cards.
• Boxed insurance products.
• Wide variety of loan products.

The possibility of obtaining a loan at Post Bank (reviews often remind of this) attracts many customers. The bank in question considers its goal to increase the level of accessibility of various financial services for citizens of the Russian Federation. After all, today only about half of the adult citizens of the state actively use banking services. For example, in China, in this context, we are talking about 70% of the population, and in the countries of the Scandinavian region it exceeds 97%.

The bank builds quite large-scale development plans for itself. So, in the near future it is planned to open about fifteen thousand separate client centers, which will be located in the branchespostal service.

All this will provide the considered financial institution with the opportunity to obtain the status of one of the largest banks in the Russian Federation.

Purchases on credit

Taking the opportunity to take a loan at Post Bank (reviews repeatedly confirm this fact), you can make purchases on credit. Thanks to this, in just thirty minutes, the things you need, for which you cannot currently pay in cash, will be yours.

The terms of the service in question are as follows:

• The loan amount that can be provided to you is three hundred thousand rubles.
• The down payment can vary from zero to 90%.
• According to reviews, consumer loans from Post Bank of Russia can be repaid in a period of three to thirty-six months.
• Only thirty minutes pass from the moment when you decide on the choice of the desired item, until the moment of purchase.

To do this, you just need to fill out an application on the official website of the bank.

Now shopping has never been easier. To begin with, you should select a product in a store (a list of stores that participate in the program can be found on the official website of the institution in question), and then contact the Post Bank representative directly with a passport or a store employee in order to get a loan from Bank Post. They will be happy to advise you and select the most suitable loan program, calculate what monthly payment you will be comfortable paying. You will then need to fill out a loan application. In half an hour, the desired item will be yours.

How convenient is it to use a loan at Post Bank? Reviews say that it is quite comfortable. This is largely facilitated by the presence of the following additional services:

• Auto redeem. Your loan will be automatically repaid at a convenient time for you from any bank card you choose.
• Change the due date. You can independently change the payment date to the one that is most comfortable for you.
• Payment reduction. Once, you can reduce the amount of monthly payments that you have left to pay. Accordingly, the loan term will increase.

How to apply for a loan

The institution in question offers three different loan products:

• Purchases on credit.
• Consumer credit.
• Shopping online.

So, how to get a loan at Post Bank (St. Petersburg)? Expert reviews highlight several steps:

• Finish an application on the official website of the company, do it by phone or visit the customer center in person. You can also invite a bank employee directly to the office of your organization in order to discuss and weigh all the details. He not onlywill advise you on the available offers, but will also provide assistance in filling out the loan application correctly. To apply, you must have your passport and mobile phone with you, as well as SNILS and TIN of the employer.

  • "First Postal". A loan for citizens of the Russian Federation who have reached the age of majority and are registered in the territory of the Russian Federation.
  • "Preferential". Designed for pensioners who are citizens of the Russian Federation and have permanent registration on the territory of the Russian Federation.
  • "Preferential Special". Provided for pensioners who receive their pensions at Post Bank.
• Get a decision from the bank on your request and draw up a loan agreement at the client center that is most convenient for you in terms of location. A decision will be made the next business day at the latest. An SMS message will be sent to your mobile phone stating that the loan has been approved. After that, within a week, at any convenient time, you can contact the customer center where your application was made. If you did this through the official website of the company, then the provisional ruling in question remains in effect for a month.
• Get your cash loan and make the purchases you want. At the same time, a savings account with a bank card will be issued for you. With it, you can shop around the world and withdraw cash from any ATM. Once you have signedloan agreement, all your obligations come into force. You can withdraw money either immediately or in installments. It is important to follow all necessary security measures when using the card.

How to pay off a loan

Reviews of "Post Bank" (St. Petersburg) say that there are several ways to pay the loan received. Among them are:

• Pay online. The money will be credited from your card bank account. The deposit will be made on the next business day.

• Loan repayment without commission:

  • Using Post Bank ATMs.
  • ATMs "VTB 24".
  • Using Internet banking or mobile banking using cards from other banks.
• Auto redeem. The next payment will be credited automatically from any card you choose.
• Early repayment. Can be done without application and additional fees.

Thus, as the reviews say, a loan at Post Bank (Omsk) can be repaid incredibly easily. The variety of ways available will allow you to choose yours.

Refinancing

It often happens that it has become almost impossible to repay a loan taken from a bank. What to do in this case? The output is provided by the financial and credit institution in question. So, you can transfer your consumer loans to the Russian Post Bank. Reviews talk about this as an amazing opportunity to improve yourfinancial position. Monthly payments can be significantly reduced. What conditions does this bank offer? Among them are:

• Interest rate - 14.9% per annum.
• Several disparate loans can be combined into one.
• Special conditions are provided for serving pensioners.

Refinancing will give you the opportunity to significantly improve the terms of the loan. Now it will be much easier to pay it.

By refinancing a loan at Post Bank (Moscow) (reviews focus on this opportunity), you get the opportunity:

• reduce the rate on loans that you have to pay today;
• choose which monthly payment you could afford under the new terms;
• get some more cash;
• combine several different loans into one and repay them simultaneously on more favorable terms.

You can plan ahead for these conditions. The loan calculator, which is available on the official website of the bank in question, will help you with this.

Which bank sets the requirement for new borrowers?

• If we are talking about a pensioner, he must certainly reach retirement age.
• The borrower must be a citizen of the Russian Federation who has permanent registration on its territory.

How can refinancing be arranged? You must follow the following algorithm:

• Apply forloans. Tell the bank representative about your wishes regarding the loan, and they will be taken into account. The next business day you will receive an SMS notification with the result of your request.
• Conclude a loan agreement. Take with you all the documents for loans that you would like to refinance and contact the bank branch. Post Bank will independently pay off your debts in other banks.
• Submit to the banks where you took refinanced loans, applications to repay the loan in full ahead of schedule. After that, all your previous debts are considered paid off.

The following services will be provided to you free of charge:

• The ability to reduce the monthly payment.
• Ability to change billing dates.
• Loan disbursement and maintenance.
• Loan repayment at specially designed branded ATMs.
• Withdrawing cash from branded ATMs.

Insurance

Protection in unforeseen situations implies the payment of certain funds to the insured upon the occurrence of an insured event. This service is also available for those who have taken a loan from Post Bank (Moscow). Reviews, however, share that such insurance is often forced on customers.

What types of insurance and under what conditions are available to bank customers?

• He alth insurance.

  • Children's doctor (two programs that differ in their cost and conditions). The cost of the policy: two or three thousand rubles. Insurance term: one year. A person aged from one to seventeen years old can be insured. The total sum insured is one hundred thousand rubles.
  • Take care of your he alth. The cost of the policy is three thousand rubles. You can insure a person aged from eighteen to fifty years, for a period of six months to one year. The total sum insured is 125 thousand rubles.
  • Personal doctor (two programs that differ only in cost and some terms of the contract). Cost: two or three thousand rubles. The sum insured is 100 thousand rubles. You can insure a person from eighteen to eighty-five years for a year.
• Home insurance.

Hello neighbor! (two programs). Cost: two or three thousand rubles. The term of insurance is one year. The sum insured is 300 or 350 thousand rubles

• Card insurance.

Defender of your cards (two programs). The cost is two or three thousand rubles. The term of insurance is only one year. The sum insured is 80 or 90 thousand rubles

How can I purchase an insurance policy for myself or my family members? To do this, you need to visit the customer center and follow these steps:

• Find the right insurance program for you.
• Create a policy (a bank employee will help you with this) and deposit the required amount to pay for it.
• Keep the policy for the entire period for which it was issued.

Positive consumer feedback

Many have already managed to get a loan from Post Bank. Customer reviews are grateful for such a service from the financial institution in question. How comfortable do consumers of the loan product feel? What do those who applied for a loan at Post Bank say? Reviews highlight the following positive points:

• A large number of branches (you can always find a branch with a suitable location).
• Free registration.
• Incredibly fast application processing.
• Friendly and welcoming loan experts.
• Beautiful and comfortable office.
• The minimum possible set of required documents.
• Good service.
• The age limit is eighteen.
• Acceptable and pleasant credit conditions.

Does what you learned encourage you to try to get a loan at Post Bank? Positive reviews, however, are not the only thing that customers say about the bank in question. So, negative feedback is left no less. Let's talk about this in more detail later.

Negative consumer reviews

Reviews about the loan in "Post Bank" of a negative nature highlight a number of unpleasant moments that relate both to the loan product itself and directly to service by bank employees. What exactly upsets customers so much? So, the following negative points are highlighted:

• Not the best service.
• High loan rates.
• Incorrect information about the proposed financial product.
• Unfair selling of insurance.
• In order to become a truly worthy brand, you still need to develop.
• Spam SMS.
• Incorrect paperwork by bank employees.
• Ignoring customer requests.
• Forcing unnecessary services.
• Illegal threatening calls.
• Regular causeless calls.
• Obvious discrepancy between the conditions of the loan application and the actual conditions on which the loan was issued.
• Huge late fees.

Reviews about a cash loan at Post Bank (Novosibirsk) of this nature allow us to conclude that you should be careful with what you are offered in the institution in question. Be careful! And if you are significantly concerned about what was listed above in this paragraph, it may be worth abandoning the idea of using the services of the bank in question.

Contacts

The easiest way to contact bank representatives is to make a phone call to the hotline. Calls to it can be made both from the territory of the Russian Federation and from abroad. So, using this phone number you will be taken to an automated menu with which you can block your card (both debit and credit); find out the amount missing in order to fully repay the loan; to knowthe required payment amount; find out the address of the nearest branch of the bank; apply for a consumer loan; find out the current balance of the card; receive full information about all available services and products; ask to connect with the operator.

If for some reason you are unable to call the hotline, it is quite possible to order a call back from the bank to your mobile phone. For many, this turns out to be a great solution, and they manage to solve all their questions.

If your problem cannot be solved with a phone call, it might be wise to visit the bank branch in person. The addresses of the nearest branches can be found on the official website of the company, and the head office is located in Moscow on Preobrazhenskaya Square, building 8. The head office, as well as a number of individual bank departments (press service, as well as the recruitment service) can be contacted separately at dedicated phone line.

Conclusion

Do you need money to buy household appliances or a loan for education? Reviews about Post Bank report that by contacting this financial and credit institution, you can get everything you need in the shortest possible time. In relations with the bank, most of all I want that the interest on the loan was not burdensome. According to reviews of the loan in Post Bank, the conditions for obtaining a loan in it are more than attractive. For many, this was a pleasant opportunity to resolve their financial difficulties without driving themselves into years of litigation.

As they say, reviews of the bankRussian Post, loans for pensioners are provided on preferential terms. The same applies to the terms of refinancing. This service is worth talking about in detail. So, perhaps you took out a loan from a certain bank, but now you have no way to repay the loan in cash on the existing terms. Reviews of Post Bank (Lipetsk) report that for many, the refinancing service has become an excellent way out. Thus, your loan goes to the bank in question, which completely changes the terms of its payment. You also get rid of burdensome obligations and pay off the loan in a way that is comfortable for you.

Choose your bank wisely, be careful. Later, you will be incredibly grateful to yourself for the effort you put in earlier.