How to pay a loan in cash through a Sberbank terminal?

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

Such a financial service as a loan is used by many citizens of Russia, as well as people outside of it. Having received a cash loan at a bank branch, a person assumes credit obligations. They must be completed monthly. You can make the loan repayment procedure in different ways, choosing one of the most convenient. Today we'll talk about how to pay a loan in cash through the terminal.

How to make payments

For simplicity and convenience of borrowers, most credit organizations draw up a payment schedule. It indicates the amount to be repaid and the date of the month. It is issued together with the loan agreement.

Before you start to figure out how to pay a loan in cash through the terminal, you need to find out the type of payment schedule. It can be drawn up according to the classical or annuity scheme. That is, payments are madedifferent or equal amounts.

It should be noted that the monthly loan debt must be repaid in advance. In some cases, the transfer of payment may be delayed by two or three days. This is extremely rare, but it is better to protect yourself. So any borrower will be sure that the payment is not overdue and pen alties are not charged.

Loan payment via terminal

In order to make a payment on a loan through a terminal installed in a bank branch or a supermarket, you must have some documents with you. It is obligatory to have the details of the loan agreement, the account number of the payee. All necessary data are specified in the loan agreement.

In the terminal menu, you must select an item with the approximate name "Banking operations", sometimes it may have the name "Bank payments and transfers". In it you need to find your bank. Next, select the payment section by details. At this point, you enter all the necessary details and the amount of payment. Then the "Pay" button is pressed. Be sure to take and keep the receipt. It will be necessary in case of disputes with the bank.

That's the whole step-by-step instruction on how to pay a loan in cash through the terminal.

However, it is worth considering that the procedure for making a payment may vary in different bank terminals. Thus, in VTB24 terminals, repayment of accounts payable is carried out using cards that are issued at the bank branch itself. It must be inserted intoterminal, select the menu item "Services and deposits". Here we select the "account replenishment" section and the currency in which the payment will be made. The following is the number of the credit account specified in the agreement. It remains only to confirm the operation and collect the check.

Now about how to pay a loan in cash through the Alfa-Bank terminal. In general, it is absolutely standard. To make a payment, you will need to indicate the number of the loan agreement, the beneficiary's account and the amount.

It is worth considering that the bank charges a commission when paying through the terminal. On average, it does not exceed two percent of the payment amount.

Such a simple instruction on how to pay a loan in cash through a terminal is understandable and accessible to every borrower.

Sberbank terminals

The most popular and widespread payment system throughout the vast territory of Russia is Sberbank terminals. Their number is approaching the mark of one hundred thousand pieces. According to the data provided by the bank itself, about five hundred million financial transactions are carried out through the terminals annually. They also include the procedure for repaying loans.

Let's figure out how to pay a loan in cash through Sberbank terminals. This operation is performed in just four steps, so anyone can easily handle it.

In order to make a payment, you will need bank details that are specified in the loan agreement. They are the account number of the receipt of payment and the date of conclusioncontracts.

For convenience, it is recommended to rewrite and save this data. So there will be no need to take with you all the documents, the contract every time. If you have the necessary data, you can proceed directly to the payment. To do this, select the item "Repayment of the loan" in the menu. Here it will be necessary to enter the data requested by the terminal. Once this is done, the amount to be paid will appear on the screen. Of course, you can deposit more money. They will be credited against future loan payments. But the amount less than the specified amount will not work. The Bank does not provide for a procedure for dividing the monthly payment into several parts. It is recommended to carefully check the accuracy of the entered data, this will avoid errors when crediting funds.

Now you can start depositing money into the bill acceptor. It is worth remembering that the terminals do not give change. Therefore, you should take care of the availability of the required amount in advance.

Be sure to take and keep the receipt. It is recommended to save them until the full repayment of the loan and longer.

Payment of the loan through "Qiwi"-terminal

Kiwi terminals are no less popular among the population. Previously, the payment system was called "Mobile Wallet". Almost half of all terminals belong to the Qiwi system. They can be found in almost every shopping center and even in small shops. They can be used to pay for many services, including loan repayment.

It is desirable to bethe owner of a Qiwi wallet, but if the borrower makes a payment using this method for the first time, the system will create it automatically. For this reason, when carrying out this procedure, you must have a mobile phone with you. An SMS with the necessary data will be sent to the number.

Then it remains to select the item "Payment for services", then go to the section "Banking services" and "Repayment of the loan". Here the desired bank is selected, and the rest of the data is entered. After that, you can deposit money into the recipient's account.

That's the whole instruction on how to pay a loan through the Qiwi terminal in cash.

What is the fee for Qiwi terminals

However, before making a monthly loan payment, it is important to consider some points:

• Terminals do not give change, for this reason it is worth preparing a change in advance.
• The Qiwi payment system withholds a commission for the operation. It is 1.5 percent of the deposit amount. But at the same time, it cannot be less than fifty rubles.
• You cannot make a payment of more than fifteen thousand rubles at a time.

That's all the basic nuances of payment.

Payment through other terminals

How to pay a loan through the Sberbank terminal, of course, but how to carry out this procedure in other banks? In general, it is standard everywhere. The names of the menu items may differ only slightly. But the process itself remains the same.

The menu item "Payments and transfers" is selected,required data is provided. Then the money is deposited and a check is issued confirming the payment. It must be kept until the loan is fully repaid.

The procedure for paying a cash loan through the terminal has no difficulties.

How fast the money will be credited

In the vast majority of cases, the deposited funds are credited instantly or within fifteen to thirty minutes. Sometimes, when the payment system is very busy, the payment can arrive within one day. In rare cases, the money is credited to the account longer. But in general, this takes three days.

What to do if the payment is not received

When making a payment through any terminal, you must take and save receipts. They may be required in situations where the money has not been credited to the account of the credit institution.

In this case, you must come with a check to the bank branch. You can also find out about the status of the payment by calling the phone number indicated on the receipt. The payment system will receive data about him by check number.

However, there are also cases when the money was not credited to the account due to an error made when entering the data. In this case, the lost amount will not be returned. For this reason, you should be as careful as possible when entering data.