At Credit Europe Bank, car loans are provided for new or used cars, commercial vehicles and special equipment. Funds are issued under various programs, including on preferential terms with government support.

There are the following types of car loans:

1. For a new foreign car.
2. To the new domestic one.
3. For a used car.
4. For commercial and special vehicles.
5. As part of the government subsidy program.
6. As part of partnership agreements with car dealers.

You can purchase a used car either at a car dealership or from any private person.. In the latter case, the bank carries out an additional check of documents on the car and the seller. Applying for a car loan is possible under the “Classic” and “Express” programs.

Lending terms

A car loan under the “Classic” program is issued under the following conditions:

• 250 thousand – 6 million rubles;
• from 2 to 7 years;
• down payment from 15%;
• rate 9-20% per year;
• obligatory pledge of a vehicle, registration of CASCO insurance and a bank account agreement;
• Additional voluntary insurance of the borrower himself (health and against loss of employment), GAP and DAGO is possible.

“Classic Car Loan” program

Amount of credit

from 250 thousand rubles to
6 million rubles

loan terms

from 2 to 7 years

loan rate

from 9.9%
per annum

* - down payment of 15% of the cost of the purchased car

According to the “Express” program, the loan period is the same, the other conditions are as follows:

• from 100 thousand to 2.5 million rubles;
• 6-28,5%;
• It is possible to provide without a down payment.

Additional services and insurance conditions also do not differ from the “Classic” program.

For both types of programs, it is possible to waive compulsory insurance, and the terms of the loan will also change:

• maximum amount up to 2 million rubles for a “Classic” and 1 million rubles for an “Express” loan;
• 2-5 years;
• flat rate 29%;
• mandatory down payment of 20%.

Autoexpress loan program

Amount of credit

from 100 thousand rubles to
2.5 million rubles

loan terms

from 12 to 84
months

loan rate

from 6%
per annum

* - minimum package of documents

At Credit Europe Bank you can get a preferential car loan with state support, under the terms of which the buyer receives a 6.7% discount on the current rate under the program. Benefits are provided to drivers who purchase a car for the first time, as well as families with two or more minor children. There is also a 10% discount for the “Family” and “First Car” state programs.

Family Car Program

Amount of credit

from 100 thousand rubles to
1,350,000 rubles

loan terms

from 12 to 36
months

loan rate

from 6.7%
per annum

* - the amount of the down payment is 10% of the cost of the car

In order to qualify for government subsidies, the following conditions must be met:

• The car should be released in 2016-2017.
• The maximum cost of a vehicle is 1,450,000 rubles.
• The maximum weight of the vehicle must be less than 3.5 tons.
• The loan term is no more than 3 years.

Requirements for the borrower

Credit Europe Bank imposes the following requirements on potential borrowers:

• be a citizen of the Russian Federation;
• be registered in the region where the bank operates for at least six months, and also actually reside in one of such regions;
• work in the current place for at least 4 months, requirements for total length of service – from six months (from a year if CASCO is waived);
• for borrowers-entrepreneurs it is necessary to maintain the current type of activity for at least a year;
• availability of 3-4 phones (mobile and work phones are required, plus additional ones for communication).

Required documents

"Express" loan is provided only with a passport and driver's license.

To obtain a “Classic” loan, the client will need to provide a full set of documents, including:

• Borrower's identity card.
• Driver license.
• Confirmation of income: according to the bank form, 2-NDFL, account statement or copy of the tax return (for individual entrepreneurs).
• Documents confirming the presence of additional income: pension certificate, papers confirming rental income, alimony, part-time work, etc.
• A copy of the work book or registration documents for individual entrepreneurs.

After receiving the loan, you must confirm its intended use: provide a copy of the title, purchase and sale agreement and confirmation of payment of the down payment.

You can apply for a car loan at Credit Europe Bank either through the bank itself (in a branch or via the Internet), or in the showroom of partner car dealers. In the latter case, the car dealership employees themselves will send the necessary documents to the bank and inform you of its decision.

You can also apply for a loan or preliminary consultation at any bank branch. To save time, you can send an online application from the website, indicating your personal and contact information, the cost of the car and its type (passenger, commercial, new or used). After this, a bank consultant will contact you and clarify information on further actions and necessary documents.

You can learn more about the loan terms and the list of required documents on the bank’s official website, at the lender’s branch or by calling the hotline.

Becoming the owner of a car today is not something unrealistic. And even if you don’t have enough finances to go to a car dealership and buy a car, you can use the services of banks, get a loan and make your dream come true.

Today, it is not even necessary to visit a branch of a banking institution to fill out an application, since most of them provide the opportunity to do this via the Internet. Although it is worth noting that the loan is issued only to borrowers who meet all the requirements of the banking institution.

Car loan terms

The conditions for granting a loan at Credit Europe Bank today are so different that the borrower can choose the option that suits him. This can be a car loan with or without a down payment, for the purchase of a Russian car, a foreign car or a specific model, with a reduced interest rate or not, according to general conditions or on a promotion. However, you must always remember that, regardless of the terms of a car loan, the first thing the bank looks at when assessing a borrower is his ability to repay the debt, that is, his solvency, history of previous loans and the presence of any property.

Many people think that among the number of banks that exist today, you can easily choose one that does not require the presentation of certificates confirming income, guarantors, and only one passport is enough. However, in this case, you will probably have to pay larger amounts for a shorter period, that is, the conditions will be less favorable.

The goal of many is to deceive the bank by taking out the most expensive car on credit and subsequently not repaying the loan. It is these clients who often leave negative reviews regarding the bank’s work, which other potential borrowers then rely on.

Credit calculator

Therefore, it is worth choosing an offer that will not only allow you to realize your plans for buying a car, but will also be able to repay the loan on it, based on your real financial situation. In this case, the car loan calculator offered by Credit Europe Bank will help the borrower realistically assess his capabilities in relation to a particular program and present all its advantages and disadvantages.

This tool can be used on the official website of the banking institution. After entering the necessary information, the program will allow you to see the real picture of the relative loan offer chosen by the client, what amount can be received and how much will have to be repaid monthly.

You need to keep in mind that most car loans are not issued without car insurance, and therefore you will also need to have a certain amount to pay for the CASCO policy. In addition, until the loan is fully repaid, the insurance will need to be renewed periodically, therefore, this is additional money.

10 most popular programs at Credit Europe Bank

Credit Europe Bank offers its clients a choice of 40 car loan programs. Everyone will be able to choose an option in accordance with the terms of the loan offer. It all depends on the car you are purchasing, its brand, and the purpose of its use. The optimal lending program is selected for each client. And yet, before making a final decision about a car loan, that is, a competitive program, you need to try to collect as much information as possible regarding the offer, it is advisable to find out feedback from clients of a banking institution.

1. Autoexpress loan for Hyundai cars. By applying for this car loan, the client has the opportunity to purchase a new foreign car of a specific brand. It is worth knowing that for late payments the borrower will have to pay a rather large fine - at least 300 rubles after a five-day delay (15%) and 300 rubles if the PTS, CASCO insurance are not submitted to the banking institution within the agreed period. If you have any doubts about whether to take out a given car loan or not, you can look for reviews of those who have already paid off this type of loan or those who are still repaying it. Terms of provision:
   1. loan term 12-60 months;
   2. the minimum loan size is 200 thousand rubles, the maximum is 1 million rubles;
   3. no advance payment;
   4. interest rate of 16-17.5%;
   5. there are no commissions, the opportunity to repay the loan early without penalty is provided;
   6. mandatory registration of insurance for both the client and the purchased car (CASCO).
2. Classic car loan for Hyundai cars. The client gets the opportunity to buy a vehicle of the specified brand without making an advance payment. If you deviate from contractual terms, the client is subject to requirements similar to previous credit offers. Loan terms:
   1. the loan agreement is provided for a period of 12 - 60 months;
   2. loan 200 thousand rubles. — 4.5 million rubles;
   3. loan rate of 13.25-16%;
   4. no fees, no ban on early loan repayment without penalties;
   5. insurance - this condition is mandatory.
3. Autoexpress loan for KIA cars. For fans of a specific car (KIA), the banking institution Credit Europe Bank offers a loan product that allows you to become the owner of a new foreign-made vehicle. Penalties for non-fulfillment of the agreement and requirements for customers repaying the loan are similar to previous loan offers. Feedback from clients who have already repaid the loan will help you make the right decision about whether to apply for or refuse this program. Terms of provision:
   1. provision period 12-60 months;
   2. minimum and maximum amount 200 thousand rubles. and 1 million rubles. respectively;
   3. advance payment of at least 10%;
   4. rate of 16-17%;
   5. no commissions, with the ability to repay the loan early without penalties;
   6. Borrower insurance and CASCO policy are mandatory.
4. Classic car loan for KIA cars. The loan offer is designed for those who need a large sum of money to purchase a car of a specific brand (KIA). The fines and other requirements in case of violation of loan terms are the same as in previous cases. The loan is provided on the following terms:
   1. obtaining a loan for a period of 1 to 5 years;
   2. the minimum loan amount is 200 thousand rubles, the maximum is 4.5 million rubles;
   3. advance payment of at least 10%;
   4. rate of 13.25-15.5%;
   5. no commissions or penalties for repayment before the end of the loan;
   6. confirmation of solvency is required;
   7. issuance of a CASCO policy is mandatory, as well as a personal one for the borrower.
5. Autoexpress loan program "Car Market". Unlike previous offers, where it was possible to buy a car only at a car dealership, this program allows you to purchase any car (new, used, ours, a foreign car) from a private owner. Like any loan program offered by a bank, it suits some clients, while others give extremely negative reviews. You should not rely on the opinions of others, it is better to familiarize yourself with the conditions, compare all the pros and cons and make your own decision whether a car loan is suitable or consider another option. In this case, the car loan conditions are as follows:
   1. car loan term 2 - 4 years;
   2. loan amount is at least 75 thousand rubles. and no more than 1 million rubles;
   3. minimum advance payment 20%;
   4. interest rate for 1 month of lending is 41-43%, then 29-31%;
   5. no fees or penalties for repaying the loan early;
   6. no official proof of income is required;
   7. Borrower's life and car insurance (CASCO) is mandatory.
6. Autoexpress loan bank program "Car Market Plus". This loan product is practically no different from the previous offer, but you can only buy a foreign-made vehicle. Loan terms:
   1. The minimum loan term is 1 year, the maximum is 5 years;
   2. the opportunity to take an amount from 200 thousand rubles. up to 1 million rubles;
   3. minimum down payment of 15% of the cost of the car;
   4. interest on the loan in the first month is 32-35%, then - 22-27%;
   5. no fines or fees, with the possibility of early loan repayment;
   6. official confirmation of solvency;
   7. Car and borrower insurance is also required here.
7. Autoexpress bank loan program “LUX”. By taking advantage of this offer, the client can borrow the amount he needs from Credit Europe Bank without confirming his income. Conditions for issuing borrowed funds:
   1. loan term 12 – 60 months;
   2. the minimum loan size is 200 thousand rubles, the maximum is 1 million rubles;
   3. advance payment of at least 10%;
   4. the interest rate in the first month is 26-29%, in subsequent months - 16-18.5%;
   5. there are no fees or penalties for repaying the loan early;
   6. A CASCO policy is required, as is a personal one for the client applying for a loan.
8. Autoexpress loan program “Optimal Easy”. A loan is the best option for those who want to receive the required amount of money, with an advance payment of a minimum amount (from 10%) for 2-5 years. In this case, there is a list of countries whose cars cannot be purchased under this loan offer, these are Ukraine, Iran, Uzbekistan, China, which causes not entirely positive reviews from borrowers. All other credit conditions regarding car loans are the same as the above proposals. In addition, this offer includes:
   1. the minimum loan amount is from 300 thousand rubles, the maximum is 1 million rubles;
   2. interest rate from 17.5 to 18.5%;
   3. there is no prohibition on repaying the loan early, as well as commissions and penalties;
   4. income is not required to be officially confirmed;
   5. A CASCO policy is mandatory, as is borrower insurance.
9. Autoexpress bank loan program “Universal Turbo”. The bank's offer is suitable for those wishing to become owners of both a car (Russian or foreign) and motor vehicles. Conditions for issuing a car loan:
   1. the term of the car loan agreement is 24-60 months;
   2. loan amount from 130 thousand rubles. up to 1 million rubles;
   3. advance payment 10%;
   4. the rate on a car loan is 17.5-23%, in the first month of a car loan - 29-32%;
   5. possibility of repayment before the end of the loan agreement without penalty, plus no commissions;
   6. there is no need to officially confirm income;
   7. mandatory registration of personal insurance policy CASCO.
10. Program "Classic car loan for the purchase of used cars." The offer is intended for the purchase of a used vehicle under the following mandatory conditions:
    1. car loan agreement for a period of 2-5 years;
    2. a loan of 300 thousand rubles. — 2.5 million rubles;
    3. advance payment of at least 15%;
    4. there are no commissions, as well as a ban on early repayment of the loan;
    5. mandatory registration of a CASCO policy, plus personal insurance.

This is just a part of the loan programs from the Credit Europe Bank institution.

On this page, the portal user can get acquainted with car loans that can be obtained from Credit Europe Bank. In the list of offers, the site visitor has access to brief information on each product: maximum term and amount, interest rate, minimum down payment. Inside the card of each program you can see detailed current conditions for obtaining a loan. Including the financial institution’s requirements for a potential borrower: age, work experience, place of permanent registration, as well as a list of documents to be provided. In order to understand whether you have the opportunity to take out a car loan at this rate, you need to carefully read the above parameters. If there is a “Leave a request” button next to the program description, the user can save his time by using this service. When a client submits an application online, the bank communicates a preliminary decision by telephone.

Credit Europe Bank is a commercial financial organization with foreign investment. The company was founded in 1997 and currently operates in 12 countries around the world.

In Russia, the bank covers several large cities with its activities, including Moscow, St. Petersburg, Samara, Nizhny Novgorod, Kazan, Yekaterinburg, Novosibirsk, Chelyabinsk, Volgograd, Rostov-on-Don and others. Only residents of those cities where the bank has offices can use the services of the structure. This condition also applies when applying for car loans for individuals and entrepreneurs.

Conditions

Individuals can obtain a car loan from Europe Bank under three programs:

• "Autoexpress loan"
• "Classic Auto Loan"
• Auto loan “Your people”

Let's take a closer look at these lending projects.

"Autoexpress loan" - consumer loan for a new vehicle of domestic or foreign production, as well as for a used passenger car. Its conditions:

• loan amount – from 100,000 to 2,500,000 rubles;
• full loan repayment period - from 12 to 84 months;
• interest rate - from 10.9% to 25% per year;
• down payment – ​​from 10%;
• security – secured by the purchased car.

"Classic Auto Loan"— a consumer loan for the purchase of a new or used car, manufactured in Russia or abroad. Issued under standard conditions:

• loan size – from 300,000 to 6,000,000 rubles;
• provision period – from 2 to 7 years;
• annual percentage of overpayment – ​​from 9.9% to 17.5%;
• initial payment from the client’s funds – from 10% to 99%;
• security – secured by the purchased vehicle.

"Our people"— a loan is issued to purchase a car from an individual. In this case, the price of the car is determined by the seller and the buyer; intermediaries are not involved in the transaction. All program conditions are established at the bank branch on an individual basis.

This year, adult citizens of the Russian Federation who are officially employed and have a stable income can apply for a loan to purchase a car.

Interest rate

The interest rate on a car loan depends on several factors:

• the selected loan program;
• the amount of the down payment;
• the condition of the car (whether it is new or used);
• loan term and amount;
• Whether or not the car has insurance.

So, when buying a new car at a car dealership with a down payment of more than 10% and with a CASCO policy purchased, the overpayment percentage will be about 10%. For a used car without insurance, the rate can increase to 25% per year.

Is it possible to get a car loan with government support?

At the moment, there are no car loan programs with state support at the financial institution Europe Bank.

Refinancing rate

To the question of many clients whether there is refinancing of a car loan at Europe Bank, the answer is negative. The organization does not currently provide such a service. However, if the borrower loses his job or solvency, debt restructuring is possible, which is carried out on individual terms. To do this, you need to contact the bank with your passport and write an application for car loan restructuring. The application must be accompanied by documents confirming the existence of grounds that led to the deterioration of the financial situation.

Remember that acceptable grounds are those facts that do not depend on the borrower (illness, bankruptcy of the organization where he worked, etc.). Dismissal at one's own request is not grounds for debt restructuring at the bank.

How to apply?

Applying for a car loan at Europe Bank follows the following scheme:

1. Select the desired car (in the showroom or from an individual).
2. Apply for a car loan on the financial company’s website and wait for it to be approved.
3. Collect the necessary documents and go to the bank office to formalize the agreement.
4. After transferring funds to the seller's account, pick up your vehicle.

The period for consideration of a preliminary online application is no more than three working days. The deadline for submitting documents after approval of the borrower’s online application is not limited, but it is in the client’s interests to issue a loan as soon as possible (within 30 calendar days).

Required documents

In order to apply for a car loan at Europe Bank, you need to prepare and bring a number of documents to the organization. Their list includes:

1. Passport of a citizen of the Russian Federation with registration in the region where the bank operates.
2. An official act confirming the client’s employment and solvency (this can be a notarized copy of the work book, a certificate of income in form 2-NDFL, a tax return for the last period and other documents).
3. The borrower’s second main document is a driver’s license, international passport, military ID, etc.
4. Documents for the purchased car - purchase and sale agreement, technical passport of the car (PTS), certificate-invoice from the car dealership.
5. Issued CASCO insurance policy.

It must be remembered that in addition to the above list, the lender has the right to request additional documentation from the client.

Early repayment of a car loan

Is it possible to repay a car loan early at a banking company in Europe, and under what conditions? Yes, all users have this opportunity. You can return the loan money at any time after concluding the loan agreement. There are no fees or fines charged. It is enough to go to the bank, write an application for early repayment of the loan and pay the entire amount with interest.

The MAS Motors car dealership cooperates with many banks, which allows our clients to receive a loan from them without a long wait, and an application for approval for a loan can be submitted directly at the salon. One of our partners is Credit Europe Bank. It offers a variety of loan products and the opportunity to leave the showroom in your car on the same day you apply for a loan.

Credit Europe Bank offers various car loan programs to private clients.

Preferential loan under the state subsidy program

• Interest rate from 8.53%.
• For the purchase of new cars of domestic and foreign production not older than the current and previous year of production.
• The cost of the car should not exceed RUB 1,150,000.
• Car tonnage - up to 3.5 tons.
• Loan amount from RUB 300,000. up to 1,100,000 rubles, but not more than 80% of the cost of the car.
• Initial adulthood - from 20%.
• Loan terms - from 1 to 3 years.
• The loan is issued only in rubles.

Car loan express

• Intended for purchasing a used car from the owner, who must be an individual (not a car dealership or a reseller).
• If the specialist is free, then the application can be considered within half an hour after its submission.
• The bank checks the car before issuing a loan.
• The car will be pledged to the lender.
• Required documents: Russian passport, driver's license.
• Specific loan terms are determined for each borrower individually.

Autoexpress loan for the purchase of commercial vehicles

• You can borrow from the bank an amount from three hundred rubles to one and a half million, but not more than 75% of the cost of the car.
• You can only buy a new car.
• The interest rate depends on the amount of the down payment. Contribution from 25 to 30 percent - annual rate of 21.4%; contribution from 30 to 40 percent - rate 20.5%; contribution from 40 to 99.99 percent - rate 19.0%.
• Loan terms range from 2 to 5 years.
• A mandatory condition is car insurance for a year with subsequent annual renewal.

Classic car loan

• You can apply for a loan online or in our MAS Motors showroom.
• Documents: Russian passport, driver's license, information about income in bank format, a copy of the work book with the employer's stamp on each page.
• The loan is issued only for passenger cars, both new and used.

Classic car loan for the purchase of commercial vehicles

• It is possible to obtain a loan on favorable terms for the purchase of trucks and passenger vehicles of certain brands only from specific official dealer partners of the bank. Until the end of 2017, at a reduced interest rate, you can take out a loan for the purchase of category B, C and D vehicles of the brands ISUZU, Volkswagen, Mercedes, Ford, Peugeot, Fiat, Toyota, and Russian freight transport. The list of partner showrooms and car brands may change; you need to check the latest information by calling bank employees.

Commercial vehicle loan

• The loan is issued for the purchase of a car category B, C weighing up to 20 tons (freight transport) or a car category D (passenger), designed to accommodate up to 50 people and weighing up to 20 tons.
• Loan terms are from 2 to 4 years.
• There is no initial origination fee.
• You can pay the entire amount urgently without any fear.
• You can add the cost of additional equipment and car insurance to the loan.
• The loan is repaid in equal payments, but the first and last installments may differ significantly from them.
• Passport and driver's license.
• Latest non-zero tax return.
• Certificates of state registration and tax registration.

Documents for individual entrepreneurs