Car loan in "Rusfinance Bank": reviews, registration procedure, conditions and interest rate

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

A car in our time has long ceased to be a luxury. At the moment it is a means of transportation. Buying a car today is not difficult. This can be done both for cash and on credit. Buying a car on credit always raises a lot of questions. In this article, we will consider car loans at Rusfinance Bank LLC, customer reviews on car loans and highlight some of the pitfalls that borrowers may face.

Who can get a car loan?

Today, getting a car loan through Rusfinance Bank is quite simple. But, despite all the simplicity, there are a number of certain requirements for the borrower. So who can apply for a car loan at Rusfinance Bank?

If you wish to receive a loan, the following conditions must be met:

1. The borrower must be a citizen of the Russian Federation and have permanent registration in the area where he is going to apply for a loan.
2. Applicant must be between 23 and 65years.
3. The period of official employment must be at least 4 months if buying a new car, and 6 months when buying a used vehicle.

Which car can I buy a loan?

You can get a car loan from Rusfinance Bank for almost any car. To do this, there are several lending programs with different conditions:

1. "Fast and the Furious" - a program for the purchase of a new foreign car.
2. "Engine" - a loan for the purchase of a used foreign car.
3. "Great Opportunity" - applies to new domestic vehicles.
4. "Used car" - also intended for the purchase of a used domestic car.

Now let's take a closer look at these programs.

Fast & Furious Loan Program

The "Fast and the Furious" program was specially designed for the purchase of a new foreign-made car. A loan agreement can be concluded for 24, 36, 48 or 60 months. The loan amount varies from 50 thousand rubles. up to 6.5 million. In addition, early repayment of a car loan from Rusfinance Bank without pen alties is provided. The interest rate under the "Forsage" program ranges from 15.5% to 17%. It will depend on the amount of the down payment. However, you can get a loan at a lower interest rate by providing documents that confirm the level of the client's monthly income.

When applying for the "Forsage" credit program, it is obligatory to draw up a CASCO insurance contract.

Engine Loan Program

The "Engine" program is designed to buy a used car of foreign production. The loan is issued for a period of 24, 36, 48 and 60 months. The interest rate of a car loan from Rusfinance Bank under the Engine program varies from 16% to 21.5%. It depends on many factors: the age of the car, the amount of the down payment, the cost of the car, whether the borrower has a life insurance contract, etc.

A definite advantage of this program is that it makes it possible to purchase a car from a private person.

Great Opportunity Loan Program

This loan applies to car brands: Izh, GAZ, IS, UAZ, VAZ, RAF, SeAZ, GURAN, BOGDAN, AZLK. Also, as in the previous proposals, the loan is issued for 24, 36, 48, 60 months. Interest rate - from 9.9% (GAP special offer) to 18%. When making this offer, a CASCO agreement is mandatory.

Based on the reviews, the Rusfinance Bank car loan under the Excellent Opportunity program is one of the most popular products.

Used Car Loan Program

This car loan from Rusfinance Bank is issued for the purchase of used domestic cars not older than 10 years. Interest ratewill range from 16% to 21%. Particular attention should be paid to the fact that the maximum loan amount will depend on the down payment. With a contribution of 30%, the maximum loan amount will be 350 thousand rubles. for private cars and 450 thousand rubles. for commercial vehicles.

Special lending conditions for all programs can be additionally found in car dealerships and bank offices. It is noteworthy that absolutely all loans are issued in Russian rubles.

List of documents for applying for a car loan

In order to apply for a car loan, you will need the following documents:

1. Passport (required original document).
2. One of the following documents to choose from:

• military ID;
• tax identification number;
• driver's license;
• certificate of the pension fund.

In addition, the bank has the right to request additional documents: confirmation of employment, income statement, etc. Also, loan programs provide preferential interest rates on a car loan if the client brings documents confirming his monthly income. This may be a salary certificate from the place of work and other documentation confirming the salary level.

Loan processing

You can take a car loan from Rusfinance Bank in two ways: directly at a bank branch and at a car dealership.

To apply for a car loan at a bank, you need to contact the office,write an application and provide all the necessary documents. After the loan is approved, the money is transferred to Thu. The account must first be opened with Rusfinance Bank LLC. After crediting the required amount, at the request of the account holder, the money is transferred to the name of the seller.

The second option is to apply for a car loan directly at a car dealership where a bank loan officer works. After the client has chosen a car, an application and several questionnaires are filled out. Document verification takes about 30 minutes. If the bank makes a positive decision on the application, then the client needs to draw up a sales contract and an insurance policy for the car, make a down payment and pick up the purchase.

Car loan repayment

Now let's talk about the repayment of the loan "Rusfinance Bank". You can repay the loan in the following ways:

1. With a bank card.
2. Through the payment terminals of Rusfinance Bank LLC.
3. Through the QIWI service.
4. Through the "CYBERPLAT" payment system.
5. Also, payment can be made in the network of stores MTS, Beeline, Svyaznoy, Euroset.
6. With the help of the "Golden Crown" service (section "Repayment of loans").
7. Through "Rosbank" payments on this loan are made without commission.

In addition, it is possible to make payments on the loan and through the post office. But the payer should pay attention to the fact that a commission will be charged from the payment amount.

Bif the payment was not made on time, the bank charges pen alties in the amount of 0.1% for each day of delay. Therefore, we advise you to make payments a little in advance. Please note that it can sometimes take several days for a payment to be processed.

We will also devote a few lines to the early repayment of a Rusfinance Bank car loan, customer reviews and repayment conditions. The bank gives its customers the opportunity to repay the loan ahead of schedule. To do this, you need to deposit the amount of the loan with interest into the account. The exact amount of the payment can be found in the bank or in the help desk.

Remember that the amount to repay the loan is written off strictly in accordance with the payment schedule. Therefore, having decided to repay the loan ahead of schedule, specify how much funds should be written off according to the schedule.

Who can make monthly loan payments?

Oddly enough, this question is very popular among bank customers. Monthly payments can be made by both the person who received the loan, and his relatives, friends and other persons. In order to repay the loan, you must have a passport, a loan agreement (or a note on paying a loan) and money with you. The whole process takes a few minutes. After the payment is made, the payer is issued a receipt with the following details:

1. Surname, name, patronymic of the borrower.
2. Loan agreement number.
3. The borrower's bank account number opened with Rusfinance Bank LLC.
4. Bank details.
5. Payment amount.

Proof of income

Some car loan programs offer a reduced interest rate if the client confirms their official monthly income. This can be done both by providing a certificate of income from work, and through the portal of public services. Confirmation through the portal does not provide for the collection of unnecessary certificates and documents. In order to receive such confirmation, it is enough to provide the bank with the original insurance certificate of the Social Security Fund, after which a bank employee can make a request.

State car loan program

In addition to the standard lending program, Rusfinance Bank provides its customers with the opportunity to participate in the state car loan program. To date, two options are provided: "First Car" and "Family Car". Participation in these programs gives you the opportunity to purchase your favorite car with a 25% discount on the cost.

This program applies to cars manufactured in 2017 and 2018 worth up to 1,450,000 rubles.

Requirements for a borrower under the First Car program:

1. Having a driver's license.
2. No vehicle previously owned by customer.

A loan can be issued for up to 5 years.

To qualify for a Family Car loan, the following requirements must be met:

1. There must be two or more minor children in the family.
2. Shouldn'tbe issued other loan agreements for the purchase of a car.
3. The borrower must have a driver's license.

Customer feedback on Rusfinance Bank loans

Today you can hear a lot of reviews on the car loan "Rusfinance Bank". Unfortunately, not all of them are positive. Most disputes arise when the client wants to repay the loan in full or in part ahead of schedule. Today we will not find out who is to blame - a bank employee who poorly explained the terms of the contract, or a client who did not read this contract first. We will analyze only the most delicate moments.

Payment for a car loan "Rusfinance Bank" is made from a special account, which the client opens when applying for a loan. That is, every month the client replenishes this account, and on a certain date, funds are debited from it. The account must contain the amount of the monthly installment. If the amount on the account exceeds it, then everything that lies in excess of the amount of the monthly payment will go to repay the principal debt. What to do if you need to pay a premium for several months in advance or repay the loan ahead of schedule? To do this, you need to notify the bank in advance that the amount that is deposited into the account is intended to repay the loan for the following months. In this case, you will have to visit the bank office and draw up a payment order for the account or issue it in the online account on the bank's website.

When repaying a loan early, remember that the amount of debt must be calculated on the date the funds are debited from the account. For example, in a contractIt is written that the repayment of the loan occurs on the 25th day of each month. You have decided to pay off the loan ahead of schedule on the 23rd. For early repayment of the loan, you need to find out the amount of debt on the 25th and pay it. If the amount of the debt is calculated on the 23rd, the loan will not be paid in full, and after some time the bank will begin to accrue interest on the debt.

Very often, bank customers who want to take a car loan are offered to conclude a life and he alth insurance contract. This procedure is optional. This is just a service that the bank provides to its customers. However, when concluding an insurance contract, the interest rate can be reduced by several points. To issue this service or not - the client decides on his own.

Compulsory when applying for a car loan is a CASCO policy.

After analyzing the reviews, car loans "Rusfinance Bank", we can draw the following conclusions: the terms of the car loan "Rusfinance Bank" are really favorable. Anyone can buy a car of that class and at the price that suits him. In addition, the client has the opportunity not only to make monthly payments under the loan agreement without problems, but also to repay it ahead of schedule without pen alties and restrictions.

But in order to avoid various unpleasant situations, before concluding a loan agreement, the client must carefully read its terms. On the official website of "Rusfinance Bank" in the public domain are presentedloan terms and documents. In addition, additional information can be obtained directly from the bank office, from the loan department employees and by phone.

Today, a brand new car is no longer a pipe dream. But in order for the purchase not to overshadow anything, you need to treat it with all responsibility and attention.