"Rusfinance Bank": customer reviews, service, loans, deposits, interest and payment terms

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

Reviews from Rusfinance Bank customers are important to hear for those who are just about to start cooperation with this financial institution. This company is considered to be a very large financial institution that provides all types of popular and in-demand services.

About the bank

Reviews from Rusfinance Bank clients who have already encountered the work of this company will help everyone else to make the right impression about it. This financial institution is a subsidiary of Rosbank PJSC.

It specializes in issuing consumer loans through an extensive network of about 25,000 partners throughout the country. In particular, these are car dealers and retail chains. Rusfinance Bank also has its own representative offices in 74 regions of the Russian Federation.

The company calls itself one of the leaders in this market, offering services in the field of consumer loans. In particular, this is the provision of loans at points of sale,auto lending, cash provision, bank card issuance.

According to experts, in the field of car loans, the company is one of the three leading banks in our country. It is worth noting that it is part of a large international financial group, which is used in the work of universal banking models. It is they that make it possible to effectively combine sustainable development and financial stability.

Car loan

Judging by the feedback from Rusfinance Bank customers, its activities are primarily focused on three areas. These are car loans, consumer loans and cash loans. Let's talk about each of them in as much detail as possible.

The company is a partner of a large number of car dealerships and car dealers throughout the country, it is actively developing a car loan program. Here you can get a loan to purchase a new car of any brand and any model, as well as a used one, even if you make a purchase from a private person.

In each of these cases, a loan can be provided for an amount equal to 90% of the value of the car. At the same time, it is required to submit a minimum set of documents, lending terms are flexible, a preliminary decision is made within half an hour. It is also worth noting that there are special loan products developed jointly with car manufacturers.

Additionally, you can get life and he alth insurance, CASCO insurance, a special program of comprehensive insurance "Protection", which is designed to protect you from anyfinancial risks. It immediately includes life and he alth insurance of the borrower, as well as CASCO. When included in the loan amount, the interest rate decreases.

Consumer loan

One of the most popular banking products is a consumer loan. It can be issued for the purchase of goods in more than 23 thousand stores throughout the Russian Federation. As a rule, it is used when purchasing furniture, household appliances, home goods, computers, fur and jewelry, and more.

In this case, the amount of consumer credit is from 2,250 to 500,000 rubles. Loan terms - from three months to two years. It is required to submit a minimum set of documents, joint advertising campaigns are carried out with retail chains, special tariff programs are provided for regular partners.

A consumer loan is a great opportunity to get the goods you need today and pay for them over the long term.

To get a loan for goods, it is not necessary to come to a bank branch. Everything can be done right in the store.

Cash Loan

In any bank branch you can get a cash loan for any purpose. The amount is from 5 to 50 thousand rubles. At the same time, for loyal customers, the loan amount can be increased up to 450 thousand rubles. It is worth noting that the monthly repayment amount is fixed immediately, and then does not change during the entire repayment period.

To receiveTo apply for a loan, you need to fill out an application at the bank's office and submit the necessary documents. Requirements vary by customer category.

New visitors can be approved for credit if they are citizens of the Russian Federation (men aged 23 to 63 and women aged 23 to 68). Permanent registration is required, as well as that the actual place of work and residence are in the same region.

After a positive decision is made, the bank transfers the funds to the borrower's account.

Cards

In this financial institution it is possible to issue a credit card. The credit limit for such a card is from 40 to 150 thousand rubles. It is worth paying attention to users that a fee is charged for servicing and providing a card. This amount can be up to 500 rubles.

The interest rate on overlimit debt is between 31% and 35%. At the same time, there is a renewable credit limit on the card up to 150 thousand rubles, as well as a grace period of 50 days. The card receives Cash-back in the amount of 1% of the amount of purchases, which will immediately be returned to your card. You can control the status of your account using free SMS notifications about all transactions.

Contributions

At the same time, clients are also offered to make deposits in Rusfinance Bank, several programs have been developed for this. True, in fact they are placed on the accounts of not the"Rusfinance Bank", and "Rosbank".

The base is the "150 Years of Reliability" contribution. Its amount should be from 15 thousand rubles, and the minimum period is three months. Interest rate from 5 to 5.7% (if you decide to withdraw money after three years). Interest is calculated at the end of the term, at the same time they are paid.

The ATM deposit can be opened with 3 thousand rubles in the account. The minimum period is three months. Its main feature is that it is opened directly at the ATM. Interest is calculated with capitalization on a monthly basis. There is a possibility of replenishment. The rate is 5% per annum.

The "Refillable" deposit will be opened for you with a minimum amount of 15 thousand rubles, for at least three months. Rate 4, 75% per annum. Interest is calculated with capitalization, monthly, auto-renewal is provided.

Finally, there is the Managed tab. The minimum amount is 50 thousand rubles, and the term is 12 months. Rate 4, 35% per annum. Interest is calculated monthly, there is the possibility of auto-prolongation, replenishment and partial withdrawal.

Cooperation experience

Positive feedback from Rusfinance Bank customers is mainly associated with the high quality of service and service that they are ready to offer in the branches of a financial institution.

For example, customers note that employees are willing to fulfill their requests, even if they come at the very end of the working day before closing. Many are imbued with the professionalism of bank employees who correctly and quickly perform all operations and provide all the necessary assistance.

In the customer reviews of LLC "Rusfinance Bank" you can find a large number of positive assessments when the institution issues car loans. Users admit that they use such services regularly after they successfully manage to arrange one of the loans. It is possible to pay off loans ahead of schedule, without delays and commissions. Separately, in reviews of Rusfinance Bank in Moscow and other cities, they emphasize the corporate ethics of employees who always greet each client with a smile, communicate politely, and are ready to give competent answers to any question. After all, it is by ordinary employees that the visitor gets the impression of a financial institution as a whole.

Negative

At the same time, it is worth recognizing that there are much more negative reviews about the work of Rusfinance Bank. Often you have to deal with frank unprofessionalism. For example, when bank employees begin to regularly call citizens, claiming that they owe a loan to their financial institution. Although in reality they were never even his clients. All this leads to a large number of negative customer reviews about Rusfinance Bank in Tula and other cities of our country. In addition, it becomes obvious that in the future these people will never use the services of this bank. Moreover, questions arise as to whereemployees of a credit institution received personal data and a telephone number of a citizen who had never even been their client.

There are dissatisfied customer reviews about loans in Rusfinance Bank, which were issued in stores when purchasing large household appliances. For example, many are outraged that it is impossible to make a monthly payment in installments, it can only be paid off in its entirety. Contacting the administrator and management does not help in any way, the result is still zero. In such situations, clients not only write a negative review about Rusfinance Bank, but also seek to close the entire loan at once, although it may be inconvenient for them. People do this so they don't run into similar problems every month. As a result, such an attitude towards its customers has a bad effect on the reputation of the bank, besides, it loses additional profit from interest that the user would have paid for several more months. Moreover, one gets the feeling that the financial institution is saving money on cashiers, since payments can only be made through a slow and inconvenient terminal. All this leads to the publication of a large number of bad customer reviews about Rusfinance Bank in Moscow and other cities.

Deception and incompetence

Such biting epithets often characterize the work of the bank by visitors who had the misfortune to use one or another of its products. For example, negative customer reviews about cash loans at Rusfinance Bank simply discourage othersusers to contact this financial institution.

Regular claims are related to the fact that if you want to repay the entire balance of the debt ahead of schedule, the client asks the employee to calculate the amount of the balance of the debt, and he gives him incorrect information. It must be emphasized that he himself cannot know it, the prerogative of its exposure belongs to the bank, which is stated in the loan agreement. If the operator makes a mistake by setting the wrong amount to the client, for example, less by thousands or several hundred rubles, then after some time the visitor begins to pester the visitor with demands to pay off the remaining debt.

Some visitors, after having encountered such a situation, left a bad review about a cash loan at Rusfinance Bank and even suspected a whole scheme of deceiving customers in this way.

Often, when you try to pay the next loan payment, it simply does not go through. Moreover, the user learns about this only after a few days, which immediately leads to a negative customer review of the loan at Rusfinance Bank. Moreover, when clarifying all the information, it turns out that the company does not even have a free hotline. By phone, none of the employees is unable to help, only to recommend writing about your problem to the post office or the website of a financial institution.

Judging by customer reviews of loans from LLC "Rusfinance Bank", problems arise even when obtaining loans for cars, although some praise the work of a financial institution in this area. It immediately raises doubts when the services of this particularbanks are actively imposed by managers in a car dealership, although they should be disinterested people who do not care where exactly you apply for a loan. When faced with this organization, certain clients are even advised to take out a loan at a higher interest rate than to contact this institution.

Problems begin at the time of paperwork, when the initially promised rate rises by almost 2%. In addition, the client is denied a loan without life and he alth insurance, although the person agreed to a higher percentage.

After completing all the necessary documents, the client's attempts to return the imposed insurance are unsuccessful. The bank itself does not issue an insurance contract, which is an obvious violation. Even the insurance company refuses to issue it, sending the client to study the general provisions on the site, emphasizing that he may not even count on returning his money. Borrowers have to file written complaints with the prosecutor's office and the regional branch of the Central Bank, which negatively affects the reputation of the financial institution.

Forced services

A large number of reviews about a cash loan at Rusfinance Bank can be found due to imposed services, some of which may simply not be reported to the client. For example, this concerns the debiting of a commission in the amount of 999 rubles when applying for a loan, which the client is not even informed about.

Moreover, they have the feature of connecting the SMS-informing service, which is also not notified to anyone. Information about this can be found in customer reviews.about credit cards in "Rusfinance Bank" and when registering other products. As it turns out later, this service is not cheap - its cost is 4,800 rubles.

You should be careful when bank employees promise to issue an installment plan when buying an expensive item, but in reality it turns out to be a full-fledged loan. For example, in some situations, an employee of a financial institution personally comes to the store to complete all the necessary documents, assures that it will be an installment plan for which the client does not have to pay any interest. At the same time, when agreeing on the payment schedule, it turns out that the monthly rate for servicing the loan is 24%.

Further often, bank employees begin to be frankly rude and speak unflatteringly about customers, accusing them of illiteracy and incompetence, while they themselves are frankly imposing services, trying to earn as much as possible on each visitor, without caring about respecting his rights.

All these cases clearly indicate that in most situations, bank employees do not care about customers and their immediate duties. They practice imposing unnecessary services on anyone, even debiting funds from borrowers' accounts without notifying them of an additional service that no one uses. An example is the connection of SMS informing unilaterally. It is worth recognizing that after complaints to the support service and corresponding requests, this service is canceled, and the debited money is returned to the client in full. All this proves once againhow important it is to carefully study the loan agreement for additional fees and services that you do not really need.