Bank "Orange": customer and employee reviews, addresses, loan conditions and interest rates

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

Finding out objective and real reviews about Orange Bank is important for everyone who is going to contact this credit institution. Today, the bank provides a fairly wide range of services that are attractive at first sight. In this article, we will tell you about the impressions about the work of its employees in this financial institution, feedback from customers who applied for a loan here, as well as about the conditions for issuing loans.

About the bank

In reviews of the Orange bank, most potential customers note that the financial institution has entered the market today with a variety of loan offers.

The bank itself was registered in Russia at the end of 1991. Its head office is located in St. Petersburg at Ruzovskaya street, 16, letter A.

The bank management regularly notes that the most important people for them and everything that theysurrounds. The bank emphasizes that they see their mission in learning to better understand people, create the best solutions for them, and regularly open up new opportunities.

Among the Bank's values are empathy, improvement and creativity. Interestingly, the financial institution even has its own code of corporate ethics.

Currently the bank is run by a board of directors. Its chairman is Stanislav Viktorovich Patenko. Among the members of the Council Andrey Valeryevich Golyshkin, Eduard Musienko, Andrey Aleksandrovich Borisov.

The chairman of the board of the bank is Valentina Valerianovna Galitskaya. It has two chairmen - Alena Olegovna Borisovets and Marina Yaremovna Golovatoya.

The risk management department is headed by Olga Fyodorovna Ryskina, the department of banking technologies and methodologies - Irina Aleksandrovna Moshkova, the product line - Nikita Olegovich Vinokurov.

Addresses

Bank "Orange" operates on the territory of St. Petersburg and Moscow. In addition to the head office located near the Pushkinskaya metro station, on Ruzovskaya Street, it has two additional offices in the Northern capital and one in Moscow.

In the city on the Neva, additional offices are located at:

• Moskovsky prospect, 198, letter A (Park Pobedy metro station);
• Komendantsky prospect, building 21, building 1, letter A (metro station "Komendantsky prospect").

The only branch in Moscow can be found atMyasnitskaya street, 48, Krasnye Vorota metro station.

Secured loan

According to customer reviews of the bank "Orange" is one of the most popular products that a financial institution offers today, a loan secured by a car. It is issued in cash at a fixed interest rate. Thus, the client can receive up to one million rubles.

The advantages of this offer are that both the car and all the documents for it remain in the hands of the owner, who receives up to one million rubles. He can use them for absolutely any needs. The car is honestly valued at its true market value.

Fixed interest rate when purchasing a CASCO policy for the entire loan term, as well as when providing a certificate of income of an individual in the form of 2NDFL in the amount of one hundred thousand rubles a month, will be 13 percent per annum. Standard program rate - 18%.

To get such a loan, just leave an application on the company's website, and then send the necessary documents and photos of your vehicle. After that, the bank's specialists will provide a decision on the amount of the loan. After the loan is approved, you will only have to come to the bank and sign the necessary documents.

The minimum loan amount under these conditions is 100 thousand rubles. Loan term - up to 3 years.

Special offers for customers and employees

The bank has special offers that can be used by regular customers and employees of this organization. In particular,this is a "Partnership" loan.

You can use it if you meet one or more of these conditions:

• have a good credit history;
• have a salary card in the Orange Bank;
• are employees of a company that is on cash management services in this financial institution;
• work in a company that is in the top 400 according to the Expert RA rating agency;
• have a deposit in the "Orange" bank opened more than a month ago;
• hold a bank card of this financial institution.

Under the terms of the loan "Partner" you can count on the amount of 50 thousand to two million rubles. Loan term - from 13 months to five years, the rate is 18 percent per annum.

You can reduce the rate by 1 point if you have a good credit history, insure yourself, get a loan in the form of a cashless transfer to an account opened with a bank, transfer your salary to a bank card, hold the position of a middle or senior manager. As a result, the rate can be reduced to 13 percent if all these points are met.

To apply for this and other loans, it is necessary that the borrower be a citizen of the Russian Federation with permanent registration in the region of the bank's presence, that is, in St. Petersburg or Moscow. At the time of the loan, the minimum age must be 23 years, and at the time of the loan repayment - 65 years. Work experience at the current place of work - at least threemonths, and the total - at least one year.

The bank is ready to provide its clients and employees with the fastest possible financial assistance under the "Standard" overdraft program. Such additional financing of the card account is another option for the salary card. It can be provided in case of insufficient funds on your card. In this case, the bank adds the missing amount. Overdraft repayment occurs automatically as soon as you put money back on the card.

The size of the card account credit limit is set individually, it is no more than two net monthly income minus payments on current loans. Moreover, it cannot be less than 15 thousand and more than 300 thousand rubles. The maximum term of the credit limit is one year from the date of its provision. Prolongation is carried out automatically, without providing additional documents on current terms. The interest rate on a loan in rubles will be 26%, in foreign currency - 20%.

Overdraft "Salary" is provided for holders of salary cards of the bank "Orange". In this case, the credit limit will be no more than 85% of net income per month, the rate is 25%.

Car loan

You can find quite a lot of customer reviews about car loans at Orange Bank. A financial institution has developed several proposals for the purchase of a car or motorcycle. For the purchase of used and new cars, you can use the "BuyBack" car loan. His secret isdeferred principal, so that the monthly payment can be half the usual.

During the entire term of the loan, you will have to pay only part of the cost of the car and interest on the loan, which will be about a third of the principal debt. The balance is paid at the end of the loan term, when you decide to keep the car. Otherwise, you can return the car to the showroom at the residual price and drive away with a new one. Either take advantage of this offer again, or extend the loan for a new term, or sell the car yourself, pay the balance, while also earning.

A loan is issued without a down payment in the amount of one hundred thousand to 2.8 million rubles. Term - from 2 to 6 years. The rate is 12.9% per annum when purchasing a new car, 16.9% - when buying a used car.

Car loan "Real car enthusiast" is issued in cash for the purchase of a used car. At the same time, it is possible to make a deal with an individual without intermediaries in the form of a car dealership. Money is paid in cash, so the seller does not have to open a bank account. At the same time, the specialists of the financial organization will check the legal purity of the car you are purchasing, help prepare the necessary documents, and provide a comfortable platform for negotiations.

The loan is provided without a down payment. The loan amount and term are the same as in the previous version, the rate is 16.9%.

Finally, the "Real Rider" loan is a special loan program for those who want to buy an ATV, motorcycle, snowmobileor water technology. The loan amount is from one hundred thousand to two million rubles, the loan term is five years, upon agreement it can be extended by another year. With a deposit, the rate is 19%, without a deposit 20.5%.

Consumer credit

Consumer loans, according to reviews of the bank "Orange", prefer to draw up many customers. There are two types of such loans in a financial institution - "Targeted" and "Installment".

The "Target" credit is provided for a specific purchase, so that the client can realize his old dream. At the same time, he has the opportunity to independently design the terms of the loan, choose the most convenient options.

The loan is granted in the amount of one hundred thousand to two million rubles, for a period of up to five years. The rate from the moment the money is issued to the first payment will be 30%, then reduced to 19%, and in the presence of the borrower's financial protection - up to 17%.

It is important that the rate can be reduced:

• 5% if you own real estate that remains as a pledge;
• by 2% with an initial payment of more than half of the cost of the purchased goods;
• by 1% - when insuring the borrower;
• by 1% - when making a deposit on a purchased vehicle or a car owned.

The installment loan exists through cooperation between the bank and your merchant. Its essence is that you will have to pay in installments only the cost of the goods without expensesfor the use of loans. In fact, this is an interest-free loan that can be obtained as quickly and easily as possible.

Its amount is from 30 to 700 thousand rubles. Loan term - up to 2 years.

Credit card

There is an opportunity to issue in this financial institution one of the most popular banking products in the country today - a credit card. Bank "Orange" offers a grace period of 65 days.

65 days is the period during which the client can use credit funds without paying any interest. This is the most convenient financial product that allows you to quickly borrow money from the bank on favorable terms. The only thing is to be absolutely financially disciplined person.

When applying for this card, you get a credit limit of up to one million rubles, which you can use for free for 65 days. Its validity period is two years. In case of non-payment of debt after the expiration of the grace period, the loan rate will be 28%.

Employee experiences

According to the reviews of an employee of the Orange Bank, you can get an impression of what the atmosphere is like in this organization, whether it is worth getting a job here.

It's worth recognizing that most of these opinions are negative. They pay the lowest possible salary, when hiring they do not pay any attention to education, since recently there has been a serious shortageframes.

One of the main complaints expressed by employees in reviews of the Orange bank is that only 80% of the salary is paid net, and the rest can only be received depending on the financial performance of the company. That is, you can easily be left without a fifth of your income one of the months.

Customer opinions

In the reviews about the Orange Bank in Moscow, customers note that they are satisfied with the developed credit card with a grace period. The 65 days interest-free period is a very good offer, as most other financial institutions are limited to 50 days. But two months is enough for most clients to solve their financial difficulties. This is noted in the reviews of the Orange bank by most users.

As a rule, positive feedback about the service is associated with the service of legal entities. Employees treat them as carefully and politely as possible, promptly answer all questions and provide any assistance.

Negative

It is worth recognizing that there are many negative reviews about the Orange Bank in St. Petersburg. Most often, they are encountered when using credit products. The most popular reviews are about car loans at Orange Bank. In particular, a financial institution is often accused of colluding with a car dealer.

When contacting a car dealership, the client is initially promised a rate inaround 9%, but then it turns out that only this bank can approve the loan, and at almost 16%. At the same time, additional services are imposed. Such an attitude towards customers leads to a large number of negative reviews about loans at Orange Bank.

In other cases, the rate rises from 12.5 to almost 24 percent. At the same time, the dealership begins to threaten that in case of refusal to sign a loan agreement, the client will lose his down payment made for the car. At the same time, the amount of additional services constantly varies, in some cases it reaches tens of thousands of rubles, which are sent to the account of certain individual entrepreneurs. It is worth noting that this is a regular situation that one has to deal with in reviews of car loans at Orange Bank.

Recently, the number of users associated with this organization has increased significantly. This is due to the fact that after Aimanibank's license was revoked, Orange Bank bought out their portfolio of car loans in the amount of about a quarter of a billion rubles. All these clients were automatically transferred to this financial institution.

These people should be especially careful and cautious. Customer reviews of loans at Orange Bank should alert many. Users emphasize that they have to overpay for a car by an average of one and a half times. Almost everyone who applies for car loans associated with this financial institution is faced with fraud when buying a car.

In LLC reviews"Bank Orange" many are also faced with imposed insurance on the road map, which has nothing to do with the bank itself, but at the same time, the amount for its payment is happily included in the full cost of the loan. At the same time, customers are always promised that they will be able to refuse this service without any problems, in practice this turns out to be almost impossible.

Summarizing the feedback on loans from Orange Bank, one has to come to the conclusion that this financial institution is not at all focused on offering favorable conditions for its customers. All actions of managers and developed loan products are aimed only at raising loan rates as much as possible, imposing all kinds of additional services.