Car cost:

An initial fee:

Credit term:

months years

Interest rate:

% per year % per month

Repayment scheme

Annuity Classic

One-time commission

Monthly commission

Annual commission

Monthly loan payment:

Monthly commission:

Overpayment in monetary terms:

Requirements for the borrower:

• Age criterion from 21 years to 65 years (the extreme age criterion on the date of repayment of the loan under this VTB 24 car loan program should be higher);

"AutoLight"

Car loan at VTB 24 program conditions:

• Available amount for this program VTB 24 car loan centers- up to 2,800,000 rubles;
• The rate will be set at 15.5%;

Requirements for the borrower:

• Mandatory citizen of the Russian Federation;
• Only positive credit history;
• Permanent registration in the region whose bank branch you are applying for a car loan;
• Work experience of at least one year, and at least 3 months in the last employment;
• VTB 24 car loans will be available if the income level is above 10,000 rubles, and at least 8,000 rubles per family member;
• If the borrower is a woman, then her minor children must be less than 6 months old.

"AutoExpress"

Conditions for a car loan at VTB 24:

• The available amount for this loan program is from 30,000 rubles;
• The term for using the funds received under this car loan is up to 5 years;
• The interest rate on a car loan at VTB 24 is from 17%;
• It is necessary to make your own funds as a down payment - from 10%;
• Your application will be reviewed by bank employees within 1 hour;
• The purchased car acts as collateral;
• You can buy domestic and foreign cars through this program (in this case, used and new);
• It is possible to obtain a car loan without CASCO under this program.

Requirements for the borrower:

• Mandatory citizen of the Russian Federation;
• Age criterion from 21 years to 65 years (the extreme age criterion on the loan repayment date should not be higher);
• Only positive credit history;
• Permanent registration in the region whose bank branch you are applying for a car loan;
• Work experience of at least one year, and at least 3 months in the last employment;
• The income level must be above 10,000 rubles, and at least 8,000 rubles per family member;
• If the borrower is a woman, then her minor children must be less than 6 months old.

"Commercial transport"

VTB 24 car loan terms:

• The available amount for this loan program is up to 2,800,000 rubles;
• The term for using the funds received under this car loan is up to 5 years;
• The rate will be set at 17%;
• It is necessary to make your own funds as a down payment - from 20%;
• Your application will be reviewed by bank employees within 2 days;
• It is possible to register a vehicle in the name of your spouse;
• The purchased car acts as collateral;
• You can buy domestic and foreign cars through this program (in this case, used and new).

Requirements for the borrower:

• Mandatory citizen of the Russian Federation;
• Age criterion from 21 years to 65 years (the extreme age criterion on the loan repayment date should not be higher);
• Only positive credit history;
• Permanent registration in the region whose bank branch you are applying for a car loan;
• Work experience of at least one year, and at least 3 months in the last employment;
• The income level must be above 10,000 rubles, and at least 8,000 rubles per family member;
• If the borrower is a woman, then her minor children must be less than 6 months old.

VTB24 Car Loan Center: special programs

Special car loan programs include those that exist in partnership with manufacturers (dealers) of certain brands of vehicles.

Chevrolet Finance

There are no various types of commissions for issuing and processing a car loan;

A convenient system for repaying the loan provided using the international payment method Visa.

Hyundai Finance

The required down payment varies from 10%;

To obtain a car loan, you can confirm your income in official and indirect ways;

"Jaguar Finance and Land Rover Finance"

Rates for this program start at 10%;

The required down payment varies from 15%;

A credit line for the purchase of various brands of cars is available in the range from 140,000 rubles to 6,000,000 rubles (in three currencies: euros, rubles and dollars);

To obtain a car loan, you can confirm your income in official and indirect ways;

It is possible to receive funds just by providing two documents.

"KIA Finance"

Rates for this program start at 12%;

VTB 24 car loan without down payment;

A credit line for the purchase of various brands of cars is available in the range from 30,000 rubles to 5,000,000 rubles;

"LADA Finance"

The required down payment varies from 15%;

A credit line for the purchase of various brands of cars is available in the range from 30,000 rubles to 5,000,000 rubles;

To obtain a car loan, you can confirm your income in official and indirect ways;

It is possible to receive funds just by providing two documents.

Mitsubishi Motors Finance

Rates for this program start at 13%;

The required down payment varies from 15%;

A credit line for the purchase of various brands of cars is available in the range from 90,000 rubles to 5,000,000 rubles;

To obtain a car loan, you can confirm your income in official and indirect ways;

Purchasing CASCO insurance is mandatory;

It is possible to receive funds just by providing two documents.

"Sollers-Credit"

Rates for this program start at 15%;

The required down payment varies from 15%;

A credit line for the purchase of various brands of cars is available in the range from 100,000 rubles to 5,000,000 rubles;

To obtain a car loan, you can confirm your income in official and indirect ways;

Purchasing CASCO insurance is mandatory;

It is possible to receive funds just by providing two documents.

Suzuki Finance

Rates under this program begin at 13.5%;

The required down payment varies from 15%;

A credit line for the purchase of various brands of cars is available in the range from 14,000 rubles to 5,000,000 rubles;

To obtain a car loan, you can confirm your income in official and indirect ways;

Purchasing CASCO insurance is mandatory.

"Auto GAZ on credit"

Rates for this program start at 14%;

The required down payment varies from 15%;

A credit line for the purchase of various brands of cars is available in the range from 1,000,000 rubles to 2,800,000 rubles;

To obtain a car loan, you can confirm your income in official and indirect ways.

"UAZ"

Rates under this program begin at 12.5%;

The required down payment varies from 15%;

A credit line for the purchase of various brands of cars is available in the range from 90,000 rubles to 5,000,000 rubles;

To obtain a car loan, you can confirm your income in official and indirect ways.

General requirements for a borrower under special programs:

Mandatory citizen of the Russian Federation;

Age criterion from 21 years to 65 years (the extreme age criterion on the loan repayment date should not be higher);

Only positive credit history;

Permanent registration in the region whose bank branch you are applying for a car loan;

Work experience of at least one year, and at least 3 months in the last employment;

The income level must be above 10,000 rubles, and at least 8,000 rubles per family member;

If the borrower is a woman, then her minor children must be less than 6 months old.

VTB 24 online application for a car loan

If for some reason you do not want to visit a banking institution in person to find out whether you can become an applicant for a car loan, or if you do not have the temporary opportunity for this, then you should use the “VTB 24 online car loan application” service. The article: Online loan application will tell you how it functions and all the features of filling out such a document.

If you have already familiarized yourself with the VTB 24 car loan offers: conditions, interest and bank programs, then before signing the loan agreement directly, you must calculate the car loan at VTB 24 using the car loan calculator for each program. And then subject all the results obtained to a comparative analysis.

Found a mistake? Select it and press Ctrl + Enter

Car loans from VTB 24 (VTB24) are very popular among the population. The bank is one of the leaders among Russian financial organizations in terms of the portfolio of issued car loans. The reasons that make it attractive to obtain a car loan from VTB 24 are reasonable interest rates, transparent lending conditions and a simple loan processing procedure.

Each borrower can choose the most preferable lending option depending on their needs. If his priority is to obtain a loan at the lowest possible interest rate, then the Autostandard program would be the best choice. But the conditions for issuing such loans are the most stringent.

If the borrower values ​​the simplicity of obtaining a loan, then Autolight will be his preferred option. When you want to buy a car on credit in an extremely short time, Autoexpress is suitable.

Finally, VTB 24 has reduced interest rates on a wide range of auto brands.

Review of conditions for credit programs from VTB 24

Standard lending programs include Autostandard, Autolight and Autoexpress. Like all banks, VTB 24 has a rule - the simpler and faster the loan is issued, the higher the overpayment on the loan will be.

Thus, according to the classic “Autostandard” program, the interest rate is set at 18.5%, for “Autolight” without proof of income - from 20.5%, for “Autoexpress” for two documents - from 21.9%.

Increased interest rates are set for used cars - +2 percentage points. to the base rate - and domestic cars - +1 p.p. (within the framework of "Autoexpress").

A car loan from VTB24 Bank can be issued for an amount starting from 30 thousand rubles. up to 5 million rubles If you wish, you can take the equivalent in currency (dollars or euros). The more documents the borrower provides to confirm his solvency, the larger the loan he can count on. Thus, within the framework of the Autoexpress program, the loan amount cannot exceed 1 million rubles. according to Autolight - 2.8 million rubles.

The processing time for a loan application is 2 business days. The only exception is “AutoExpress”, the decision on which is made as quickly as possible - within one hour.

The down payment for all lending programs should not be less than 20% of the cost of the car. For used cars, the down payment cannot be less than 30%. The more equity the borrower contributes, the more favorable the loan offer will be for him.

The bank's car loan is provided for terms from one to 7 years. Loans for a period of more than 5 years are possible only under the Autostandard program.

Loans are provided without commissions. Penalties are charged only for late loan payments in the amount of 0.6% per day.

Borrowers are issued a free Visa card to repay the loan.

Early repayment is possible from the first month; its minimum amount is not regulated. However, it is worth considering that in the first month of lending, the entire amount of the monthly payment goes to pay off interest. Then the loan is repaid monthly in equal amounts.

CASCO insurance is mandatory in all cases, except for the AutoExpress program. Without insurance, the base interest rate on the loan increases by 4 percentage points. The cost of insurance can be included in the loan amount, but only if you make a down payment of 30%.

VTB 24 also allows you to buy a commercial vehicle on credit. The bank has developed a special program “Commercial Transport”. It allows you to purchase vehicles at a rate of 20.5% for an amount of up to 2.8 million rubles.

A preferential car loan at VTB 24 Bank can be issued for cars of the following brands: Chevrolet, Hyundai, Jaguar - Land Rover, KIA, Lada, Lifan, Mitsubishi, SsangYong, Suzuki, Uz-Daewoo, Auto GAZ and UAZ. Lending conditions under special programs are more favorable for borrowers in terms of the amount of overpayment, as they are provided with favorable interest rates.

In order to pre-calculate a car loan and estimate your costs for purchasing a car, you can use a car calculator. It is offered by VTB 24. The calculator allows you to see detailed loan parameters in advance, such as the required income to apply for a loan, the minimum amount of equity depending on the down payment and the cost of the car.

The calculator allows you to estimate how much the cost of servicing a loan will increase if you include the cost of the first year of CASCO insurance in the loan amount.

After analyzing the feedback from bank clients in the field of car loans, we can draw the following conclusions:

1. It is necessary to carefully study the contract before signing. Employees often include the cost of life insurance in it, which increases the overpayment on the loan. Insurance is voluntary and not a mandatory condition for obtaining a loan.
2. To avoid sanctions, you need to discuss the deadline for transferring the PTS to the bank and the conditions that allow it to be extended.
3. It is worth requesting information from the BKI upon expiration of the loan agreement. Often, bank employees mistakenly transmit incorrect information to the bank.

Requirements for a borrower for a car loan

To qualify, the borrower must be between 26 and 65 years of age. A prerequisite for issuing loans is the absence of a negative credit history.

Another condition for obtaining a car loan is the presence of permanent registration and actual residence in any region where VTB 24 offices are present. An exception is made only for military personnel, who are allowed to receive a loan if they have temporary registration.

The bank regulates the length of service and the amount of minimum income. A total work experience of more than 1 year is required, and at the last place of work - more than 3 months. The amount of income required to approve a loan is from 30 thousand rubles. for Moscow and the region and from 20 thousand rubles. for other regions.

Documents for obtaining a car loan at VTB 24

In order for VTB 24 to submit the requested package of documents. It depends on the type of car loan program, as well as the category of the borrower.

Thus, salary clients of the bank when applying for a loan in the amount of less than 1 million rubles. They can only show a passport.

Whereas the Autostandard program requires a full package of documents. It includes:

• loan application;
• passport, borrower rights;
• a copy of the work book;
• documents confirming income (2-NDFL certificate, bank account statement, etc.).

To apply for a loan under the Autolight and Autoexpress programs, the borrower will need two documents. This is a passport and a second one of your choice (licence, international passport, military ID). You can also provide copies of educational documents and evidence of expensive property.

A VTB 24 loan allows you to buy a car for an individual entrepreneur. To do this, they must provide a copy of the state registration certificate, a copy of the tax return with a mark from the Federal Tax Service.

If a spouse participates in repaying the loan, a similar package of documents is provided. VTB 24 allows you to register a car in the name of a third party. In this case, the owner of the car must become the mortgagor and guarantor under the agreement.

The car loan offered in 2018 at VTB compares favorably with its competitors in terms of interest rates and conditions. This is a program for buying a car, and not a regular consumer loan as in other credit organizations. Let's take a closer look at all the nuances together.

VTB offers its clients both preferential car loan programs for certain models and under improved conditions, as well as standard ones with tariffs common to all. Under preferential programs, you can purchase a car at a reduced interest rate. But there are certain limitations, which we will discuss in more detail below.

Car loan with state subsidies VTB 2018

The state program for stimulating car loans with subsidies at VTB allows car owners to save significantly. Its essence is that the government of the Russian Federation compensates for part of the interest rate set by a commercial bank. But there are certain restrictions, the main one of which is the car must be manufactured in the Russian Federation. This can be either a domestic brand or a foreign one. A more detailed list of cars can be found in a separate article.

The main conditions of a car loan are:

• The interest rate is from 5.5% per annum. This value already takes into account a reduction of 6.7% from the standard VTB percentage due to government subsidies.
• The maximum loan term cannot exceed 36 months, and the minimum 12.
• An initial fee from 0%.
• The maximum cost of a car cannot exceed RUB 1,450,000.

There are restrictions directly to the selected car. The car must be new and manufactured in 2016 or 2018, and its weight should not exceed 3.5 tons. The car loan is secured by the purchased car itself. Collateral insurance is mandatory (CASCO or alternatives). The benefits of participating in the program together with VTB can be calculated using the loan calculator below.

VTB is also currently running a special promotion called “Super 1”. According to it, for a car loan with government subsidies, an interest rate is set at 1% per annum for the first year of lending. Further it is set at 5.5%. Mandatory conditions for participation in the promotion are the conclusion of a personal insurance agreement for the borrower and the issuance of a “Car Enthusiast” card.

Lada Special program

The car loan is designed specifically for those who want to purchase a new Lada car. Moreover, the owner is given the opportunity to choose whether to take out insurance or not, as well as what documents he is ready to provide to VTB to complete the transaction. But depending on the choice and size of the down payment, the interest rate changes. The entire tariff schedule can be found in the table below.

There are restrictions on the amount of the car loan, which cannot exceed 1,000,000 rubles, and the loan term, which does not exceed 3 years. The purchased car serves as security and its insurance is mandatory. Registration at VTB can take from 30 minutes, depending on the number of documents provided. You can receive funds only using 2 main documents.

Standard lending programs

VTB has developed several car loans that allow you to purchase both new and used cars of any make and model. What they have in common is that they provide the purchased car as collateral and must insure it under a CASCO agreement or alternative insurance. The differences in conditions can be found out in more detail below.

"AutoStandard" for new and used cars

Basic VTB car loan, allowing you to buy a new or used car. The loan amount depends on the car, but cannot exceed RUB 7,000,000. The contract period is from 1 to 7 years, and the amount of the down payment cannot be less than 20% of the cost of the purchased car. The interest rate depends on many parameters and starts from 10% per annum, and the maximum can be 16.7%.

"AutoPrivilege" for cars from 1.5 million ₽

A prerequisite for this VTB car loan is the cost of a new car, which should start from 1.5 million rubles. In this case, the loan amount must be in the range from 1 to 7 million rubles, and the down payment cannot be less than 20% of the cost of the purchased car. The period for issuing funds is from 1 to 7 years. The interest rate depends on different conditions and can be:

• 11.1% when concluding a borrower insurance policy and issuing a VTB “Avtolyubitel” card;
• 11.9% for voluntary life and health insurance of an individual;
• 14.1% for clients who have issued an “Avtolyubitel” bank card;
• 14.9% for all other cases.

Review of your car loan application takes up to 2 business days. The agreement can be drawn up in the name of a third party guarantor. For clients receiving wages at VTB, additional benefits and discounts are provided.

"AutoLight" without proof of income

With an AutoLight car loan, proof of income is not required. You can buy any car under any VTB program, including government subsidies. The downside of applying for a minimum set of documents is an increased interest rate. On average, its size increases by 3-4% per annum, but cannot be higher than 16.7% for new and 17.9% for used used cars. Review of the application may take up to 2 business days.

“Freedom of choice” to purchase from an individual

With the “Freedom of Choice” program, you can buy a used car from an individual. A big advantage is the free check of VTB 24 to ensure that the machine meets the declared technical characteristics and is legally clear. The manager will competently draw up a purchase and sale agreement, and the signing of the documents itself takes place in one of the bank branches. The main terms and conditions of a car loan can be found below:

There are certain VTB requirements for cars. So the car must be foreign-made (except for Chinese), no more than 10 years old and with a maximum of 3 former owners, or domestic Lada and UAZ (except commercial) no more than 4 years old and with a maximum of 2 former owners. To apply for a car loan, you must provide a full package of documents, including a certificate of income.

Calculation using the VTB car loan calculator

Before submitting an application, it is advisable to have an approximate idea of ​​how much you need to pay monthly and whether this amount of transfers will suit you. Enter the interest rate, term and loan amount in the appropriate fields to calculate the monthly payment for a VTB car loan on the calculator. Next, click the “Calculate” button and review the results. The calculations on the calculator are for informational purposes only. Only a bank specialist can tell you the final conditions and amount of the regular payment.

Thanks to the calcus website for the calculation on the loan calculator

VTB offers its clients many specialized car loan programs for every taste and color. Everyone will be able to choose the minimum interest rate and the required loan amount. But before submitting your application, be sure to do the calculations on the calculator and determine whether you can pay off the debt on time.

VTB 24 is among the TOP 3 banks in the country. A reliable, time-tested bank attracts the attention of a large number of borrowers. Lending for used cars is not particularly popular in the banking services market, but despite this, VTB 24 offers several such programs at once. Let's look at what a car loan at VTB 24 is: conditions, requirements for clients and the procedure for obtaining it.

Car loan terms

The bank offers four loan products that allow you to purchase a vehicle on the secondary car market. They differ in interest rates, set of documents and amount limit. The most profitable is a car loan for a used car VTB 24 "Freedom of choice". This is a special program under which you cannot buy a new vehicle.

The bank has two schemes for setting the annual rate:

• rate for clients who have taken out personal or collateral insurance in one of VTB 24 partner companies;
• clients, those who have not used insurance services.

It is also necessary to take a closer look at the terms of the loan. They look like this:

1. The minimum rate is 13.9%, subject to personal insurance and collateral insurance. If the client does not take out CASCO insurance and does not insure himself, the rate increases to 26.9% per year.
2. The maximum loan size reaches 3 million rubles. for foreign-made cars and 700 thousand rubles. for domestic LADA and UAZ cars.
3. A down payment is not required for this product, but making it significantly increases the chances of a positive decision from the bank.
4. You can draw up an agreement on even more favorable terms only when purchasing a new car, taking advantage of the VTB 24 state program car loan offer, or the so-called loan subsidization. In this case, the rate is reduced by 6.5%.
5. The maximum period for which an agreement can be drawn up for the “Freedom of Choice” product is 5 years; a standard car loan is possible for up to 7 years.

Bank requirements

To get a car loan, you must meet the bank's requirements for a potential client and for a vehicle. A VTB 24 borrower can be a citizen of the Russian Federation over the age of 21, but not older than 65, living and registered in a locality where there is a bank branch. When submitting an application, you must have at least 2 phone numbers, one of which must be a landline.

Another important point is the length of service, which must be at least 3 months at the current place of employment and at least 12 months for the entire period of work. In addition, the client must have a net monthly income of 20 thousand rubles. (30 thousand rubles for the Moscow region).

The purchased vehicle must meet the following requirements:

• to be a passenger car;
• be in the possession of the previous owner for at least six months;
• owned by no more than two persons (for domestic cars) and three persons (for foreign cars);
• have a cost of 200 thousand rubles. (domestic production) and from 300 (foreign production).

Applying for a loan

You can apply for a VTB 24 car loan without a down payment on the website, at a bank partner’s salon, at a bank branch, or by calling the hotline. After filling out the application form, you need to provide a package of documents to the bank. VTB 24 has two lending options: with proof of income or only two documents.

1. In the first case, you will need a passport, a certificate with the amount of monthly cash receipts and a copy of the work record book, which is provided if the contract is drawn up for an amount of more than 1.5 million rubles. or the down payment is less than 50%. As a document confirming the availability of income, a 2-NDFL certificate, a bank form or an extract from the client’s personal account (salary, pension, payment) are acceptable. The bank also accepts for review: driver’s, pensioner’s, military licenses; educational documents; documents registering the borrower's ownership of expensive property.
2. If a client applies for a loan using two documents, the interest rate will be higher (from 16.9 to 21.9%), and the amount will be significantly less - up to 1.5 million rubles. for foreign and up to 600 thousand rubles. for domestic cars. To apply, you will need a passport and a copy of a second document: international passport, driver’s license, military ID or service ID.

After receiving the required documents, the bank analyzes the data and makes a decision within 30 minutes to 48 hours.

If the decision is positive, the borrower signs an insurance contract at the car dealership and receives documents: title, vehicle purchase and sale agreement, invoice for its payment. Copies of documents are provided to the bank, which, on their basis, transfers funds to the seller.

Car loan repayment

The procedure for repaying debt is similar to any loan - equal monthly payments. The only exception is the payment for the first month of using the money - the borrower pays only interest. Early repayment of the loan is permitted provided that an application for such an operation is submitted by telephone or via Internet banking. You can make payments according to the contract schedule using:

• free VTB 24 payment card;
• VTB 24 offices;
• Internet banking;
• transfer from other banks;
• translation using the Zolotaya Korona system.

In case of delay, the client will have to pay a penalty of 0.1% per day of the amount of the outstanding payment.