In fact, this is not difficult to do at all.

Our article provides instructions on how to pay using various services and banking products.

How to pay

After applying for a loan, everyone must approach the issue of paying the monthly payment responsibly. This can be done in various ways:

1. Payment at ATMs or terminals.
2. Payment in your personal bank account.
3. Payment by card.
4. Payment through payment systems on the Internet.
5. Payment by bank card.

Of course, the easiest way is to pay at an ATM, since the payment is immediately credited to the account, there are no commissions, but very often such an ATM is not at hand, and there is neither time nor desire to go to the other end of the city. Today we will look at remote loan payment via the Internet using an electronic wallet and a bank card.

Payment by bank card

It is very easy to pay a loan with a bank card; you do not need to visit the office of a credit institution, waste time on the road, and especially gasoline.

For the convenience of their clients, banks provide the opportunity to pay the next payment using a bank card, although it can be issued by a completely different bank.

Payment options by bank card:

1. One of the most convenient ways to pay in this way is to call the hotline. You inform the operator of your intention to pay your payment using a card, and the employee, having specified the payment amount, will switch you to an automated system that will prompt you to enter the card number, card expiration date and CVC code. After this, the money will be debited from the account. This method is most preferable for pensioners who are not particularly internet savvy.
2. The second option is to pay by credit card in your personal account. To do this, you will need to log in to the online banking system, select the payment amount and arrange payment by card. The system will ask for the card number, expiration date, first and last name of the owner, as well as the code indicated on the back of the card. After this, you will receive a verification code, which you will need to enter in the required field, after which your loan will be paid.

Unlike payment in the terminal, this method may take a little longer to be credited than usual. This happens differently in different banks. In some places the payment is credited instantly, in others a day later.

Good to know: if the credit account has a bank account number, you can make an interbank transfer from your card, and no commission is charged for such transfers, but the payment may take up to 3 days.

With this payment method, an additional commission may be charged, but it all depends on the bank where the loan was issued.

Payment via the Internet

It often happens that the card is not at hand, but the monthly payment is about to be paid.

The ATM is located only in the neighboring village, and the machine has broken down. Such circumstances can overtake anyone. You should not miss a payment, as fines and penalties will be assessed and the information will be entered into your credit history.

In these situations, it is very convenient to use payments through various payment systems, which are abundant on the Internet. Many people often use them to pay for purchases on the Internet, mobile communications or provider services.

You can also pay for loans using these e-wallets. It's quite simple to do this:

1. We register an account and replenish it.
2. We find the right bank.
3. We fill in all the fields: account number, contract number, payer’s name, amount.
4. Click pay.

As you can see, the procedure is quite simple. Often payments are credited to the account instantly, since banks actively cooperate with intermediary companies, but you will have to pay a commission, which will be 1-2% (usually at least 50 rubles).

Of course, you will overpay the commission to the payment system, but this is better than later paying a fine or penalty, which will be many times higher. Yes, and do the math: go to the nearest ATM, spend money on travel or gasoline, waste your time, or pay 50 rubles? We assure you that you will spend more money on the road!

To summarize, I would like to note that paying via the Internet with a bank card or electronic wallet simplifies our lives, since free time is not required to visit the office, payment also occurs very quickly, and the commissions that are removed justify the time saved.

How to pay a loan online, see the instructions in the following video:

• Through a united network of communication shops Svyaznoy and Euroset: no commission. Funds are credited instantly. The limit on a one-time transfer is 250,000 rubles.
• To pay on your first visit, tell the salon employee your BystroBank card number; you must have your passport with you (it is important to clarify that you need to repay the loan using the card number). For subsequent payments, you can only provide the cashier with the card number; your passport must be presented only for payments over 15,000 rubles.
• If you refuse to accept a payment or demand to pay a commission, call the BystroBank hotline 8-800-333-22-65.

• In salons MTS, Beeline, Megaphone: commission 1%, but not less than 50 rubles.
  
• At the box officebanks participating in the “Golden Crown - Loan Repayment” service: no commission.

Find out the address of the nearest point on the website or by calling 8-495-211-07-00 (24 hours a day).

• To complete the transaction, you must present your passport, provide the number of the plastic card issued to repay the loan, the Borrower’s full name and the Payer’s mobile phone number. Enrollment period is instant.
• Important! When making a payment, be sure to specify to the employee the point of payment acceptance: the name of the recipient's bank - PJSC "BystroBank", repayment of the loan through the RNKO "Payment Center" (money transfer system "Zolotaya Korona").
• If you refuse to accept a payment or are required to pay a commission (if payment is made at a partner bank), call the Zolotaya Korona Information Center at 8-495-211-07-00. If you were charged a commission when making a payment at a partner bank, save the receipt (check) and call the BystroBank hotline 8-800-333-22-65, or send a scanned copy of the check to.

• Payment of BystroBank loans through Izhkombank terminals is carried out no commission.
• Enrollment period is instant.
• A BystroBank card is required to complete the transaction.
• Payment procedure: in the main menu of the terminal, select the “Operations with cards and accounts” section, then click the “Replenishment of cards of PJSC “BystroBank”” button and follow the instructions on the screen.

• At payment acceptance points: cash desks of partner banks, Eldorado and M.Video retail chains, Rostelecom service centers, etc.
• To complete the transaction, when making the first payment, you must provide: bank details, account number, full name, phone number. For subsequent payments, it is enough to provide your mobile phone number.
• The cost of the service is 1% of the payment amount, but not less than 50 rubles.

Top up your account by transferring from card to card using the number of the plastic card issued to pay the loan.

Check the cost of the transfer at the ATM of the sending bank.

Enrollment period is in real time.

Enrollment period is from 1 to 3 working days.

The transfer is carried out according to the account details specified in the loan agreement:

TIN 1831002591

Gearbox 183101001

BIC 049401814

Beneficiary account: Account number opened for loan repayment

Recipient's name: Borrower's full name

Additional payment method - to the Bank account:

Recipient bank: PJSC "BystroBank" Izhevsk

TIN 1831002591

Gearbox 183101001

case number 30101810200000000814 in the Branch - National Library of the Udmurt Republic

BIC 049401814

Recipient's account: 47422810500000000138

Recipient's name: PJSC "BystroBank"

Purpose of payment: Number and date of the loan agreement

• Please check with your chosen organization for possible commission fees.
• Make payments in advance; when repaying a loan through third-party organizations, take into account the duration of the transfer and crediting of funds, and possible technical problems. The payment must be credited to the Bank no later than 23:00 Moscow time on the date specified in the payment schedule or the terms of your loan agreement.
• Before the payment date, make sure that the funds have arrived in your account.
• Before replenishing your account using a plastic card number, make sure that the card is not blocked and its validity period has not expired.
• You can get information about existing loans and upcoming payments at any time via Viber or.

But here’s the problem... Ivan Petrovich forgot to ask about possible ways to pay off the debt. And when the time came to make the monthly loan payment, he was at a loss. I started looking for possible solutions.

Payment at the bank branch where the loan was taken out

You can deposit money on the day specified in the loan agreement, without worrying about possible delays and penalties. The payment is credited to your account immediately or with a slight delay.

The disadvantages of this payment method include:

• the ability to deposit money only during working hours;
• charging a commission;
• the need to get to the department and stand in line.

This option is especially convenient for older people, who are often not familiar with electronic services and do not know how to enter data. The operator will take care of this.

Depositing funds through cash desks of other banks

You can make a payment at any branch closest to your home. To pay, you need full account details and credit agreement details (number, date).

The commission will be:

• 2-3% in a third-party financial institution;
• 1-1.5% of the payment amount at the partner bank.

It should be taken into account that an interbank transaction usually takes several days; only partner banks can make faster transfers.

Repaying debt through mobile banking

The advantage of this method is the ability to deposit funds while sitting at home. All you need:

• Internet access;
• card with enough amount to pay the loan.

To deposit funds, you need to log into your personal account on the bank’s official website. In the “Payments” section, a template is created into which you should enter invoice data. All that remains is to transfer the agreed amount to your credit account.

If your card is issued at the same bank as the loan, you do not need to pay a commission, and the funds will “drip” into your account in a couple of minutes.

In the case when the transfer is made from a card of someone else’s bank, you need to wait at least 2-3 business days for the receipt of money. The commission will range from 0.5 to 1-2% of the repayment amount.

Payment via ATM

Both non-cash and cash are possible. You can find ATMs in bank branches, as well as in supermarkets and shopping centers.

If you choose to deposit funds at a lender's ATM, there will be no fee. Payment is processed instantly.

Overpayment at other ATMs is on average 1-2%. Within 1-3 days the money will be credited to your account. There may be delays in crediting funds over the weekend.

Loan repayment by mail

There are two options: fast and normal. By choosing the latter, you will be able to deposit money at the cash desk on a loan from UralSib, Rosselkhozbank, VTB24, etc.

To replenish your credit account, you will need its details and your passport.

The funds will arrive in the bank within 2-5 business days. Each bank sets the commission independently.

With the fast replenishment method, money to repay the loan comes instantly. For this service, Russian Post will have to pay an additional fee of 1.9% of the payment amount (minimum 50 rubles).

Payment via QIWI terminals in cash

If you live in a small provincial town or village where there are no bank branches, this method can be called the best.

QIWI terminals are installed at public transport stops and train stations, in grocery stores, and at post offices.

To make a loan, you need to select “Payment for services” and click on “Bank services”. Next, click “Loan payment” and find the institution where the loan was taken out. Enter the requested data (details: account number, branch BIC, etc.).

Operation was successfully completed? Pick up a receipt to confirm payment. The money will appear in your account within three days.

Loan repayment through accounting

You can write an application at work for a monthly transfer of a certain amount from your salary to a credit account.

The size of the commission when making transfers between legal entities is a penny. This is also convenient because it saves time: the operation will be performed automatically every month.

Payment through mobile phone shops

These are Beeline, MTS, Svyaznoy and others. They are found in any city.

To make a payment, you need to provide your credit account information and passport.

This method of repaying a debt cannot be called profitable if the payment is less than five hundred rubles. Commission fee - 1% of the deposited amount (minimum 50 rubles).

Making a payment via Yandex.Money

If you have a Yandex.Money wallet, you can set up automatic loan write-off. You must indicate the amount of the payment, as well as your data, agreement number and credit account number.

More than thirty banks accept payments through this electronic system, including UniCredit, Sberbank, VTB24.

A commission (3%) is charged for transferring money to a credit account. Additionally, you need to pay 15 rubles for each transaction.

Summarizing

Having studied all possible ways to repay the loan, Ivan Petrovich found out the following:

• when paying through Qiwi terminals, you need to wait for crediting for several days;
• You can pay for a loan in salons like Svyaznoy if the payment is more than five hundred rubles;
• It is profitable to make a payment through the cash desk of the creditor bank, but you will have to spend time in line;
• You can pay for the loan at the cash desk of any third-party bank, although the commissions are “biting”;
• payment through a Russian Post office will take even longer, because the queues there are longer than at banks.

For himself, Ivan Petrovich decided that he would make monthly payments using Internet banking or through an ATM. Commissions are minimal and funds are credited quickly. Although I decided not to give advice to friends who also have loans. Let everyone choose the most convenient and profitable method for themselves.

How does auto payment for a loan work?

Automatic payment for a loan works as follows:
1. You enable automatic payment for a loan for the required amount.
2. The bank automatically debits the amount from your card every month.
3. The invoice was paid on time.

How to activate automatic payment for a loan in Sberbank Online?

“Payments” tab → Auto payments → Connect auto payment → in the search, specify “Pay loan” → select the desired bank from the list. If the bank you need is not in the list, select “Loans / Transfers to another bank using BIC”.

Personal menu (right) → My auto payments → Connect auto payment → Select the section “Repaying a loan in another bank” → select the desired bank from the list. If the bank you need is not in the list, select “Loans / Transfers to another bank using BIC”.

How can I disable auto payment for a loan?

1. In the Sberbank Online mobile application
“Payments” tab → Automatic payments → find the required autopayment and click “Disable”.
2. In your personal account Sberbank Online
Personal menu (right) → My auto payments → find the desired auto payment and click “Delete”.

Where can I see if my auto payment went through?

All completed auto payments for a loan can be found:

1. In the mobile application
Payments → Auto payments → Auto payment for a loan

2. In your personal account Sberbank Online
Personal menu (right) → My auto payments → Auto payment for a loan

How to print an auto payment receipt for a loan?

In your Sberbank Online personal account:
Personal menu (right) → My Autopayments → Select the payment you are interested in and click “Print receipt”

Can I change the amount or date of auto payment for a loan?

Go to “Edit auto payment for a loan” and change the amount or date of payment. The next day you will receive an SMS message about the change in auto payment, to which you need to send a confirmation in response

Why was my monthly payment amount re-written off even though I had already closed the loan?

When paying the last payment on the loan, you need to close the auto payment for the loan yourself in the mobile application or personal account of Sberbank Online.

Why was the wrong amount written off when I repaid a loan from another bank?

When paying the last payment on a loan, you need to contact the bank where the loan was opened and clarify the amount of the last payment. After that, edit the auto payment for the loan in accordance with the amount, taking into account the kopecks.

The amount you specify when creating an autopayment for the loan is debited. If the monthly payment amount for a loan from another bank has changed, you need to manually edit the auto payment amount for the loan.

Which banks are money transferred to in minutes?

Cetelem, Alfa-Bank, Russian Standard, MTS-Bank, OTP Bank, Sovcombank and Renaissance Credit. It takes up to 3 business days for the money to arrive in your account at all other banks.