After applying for a loan, all bank clients want to be informed about the repayment process. Therefore, they regularly check the debt balance to be aware of how much still needs to be repaid. In terms of how to find out your loan debt, OTP Bank is one of the most convenient. The institution offers clients several ways to obtain information, from which each borrower can choose the most optimal option.

How to find out the loan balance?

There are several ways to find out the balance of your loan debt at OTP Bank: visit the office, call the support hotline or through online banking.

To find out the size of the loan balance through the office, you must visit any bank branch, providing the loan agreement number and an identity document. This option is not the most convenient, as it requires personal presence and wasting time in line and going to the office itself.

An easier way is to call the bank's hotline 8-800-200-70-05. The operator will need the same information to verify your identity, so it is worth preparing your passport details in advance. This option is faster and more convenient, but you still have to spend a little time waiting for the manager to check the data, and the line may also load.

The best option is to view your debt balance online through Internet banking. This is done very quickly, just enter your login and password, and then go to the desired section of your account, where you will see all the necessary information on the loan.

Find out your debt balance online

There are 2 ways to find out your loan balance through OTP Internet Bank. The first is to write to the manager-consultant in an online chat. The employee will ask you to provide some information, for example, the number of a credit agreement or card, possibly passport information. After this, he will inform you of the exact amount to repay the debt.

The second way is to go to your personal OTP-Direct account at https://direkt.otpbank.ru/ and enter your username and password. After completing authorization, go to the “Loans” tab and select the “Detailed information on loan” item. The following information will be displayed here:

1. loan agreement number,
2. date of conclusion of the contract,
3. name of the banking product,
4. account number for debt repayment,
5. total loan amount,
6. interest rate,
7. amount of outstanding balance,
8. the amount of overdue debt, if any,
9. the amount of the late fee,
10. the amount of the next payment required to be made,
11. next payment date.

But in order to gain access to this information, you must be a registered user of OTP-Direct. What is needed for this and how to get a login and password, we will consider below.

Registration in online banking

To authorize in OTP-Direct online banking, you will need a login and password. You can activate the service at any bank branch by providing your passport details. Then a login will be sent to your financial number. You will need to enter it in the registration field. You also need to enter a password, which will be sent via SMS, and indicate your bank card number to complete authorization and activate the service.

Often, when signing an agreement with a bank, the service is activated automatically, but the client skips this point. In this case, you need to call the hotline 8-800-200-70-05 and find out your login. Your password will be sent to your phone to complete authorization; in the future you will need to change it.

OTP-Direct is an absolutely free service and allows clients to repay a loan, increase the limit on a bank card, monitor the size of the debt balance, pay for other services: communications, utility bills and much more. Here you can receive information support from the bank manager.

Debt repayment methods

After you decide to borrow money from OTP Bank, you will be provided with an agreement and an information certificate, usually attached to the main papers. The certificate will indicate ways to repay the loan debt. There are a few of them:

1. You can pay in cash either at a bank branch or through payment terminals. To do this, it is not necessary to choose OTP Bank machines; you can find out the nearest points for payments from OTP and the company’s partners on the official website in the corresponding section https://www.otpbank.ru/retail/branches/. It is also possible to deposit funds using the Cyberplat or Rapid payment systems, in one of the Megafon stores, using the Unistream funds transfer system, or at a Russian Post office.
2. Online translation is also possible in several ways. The most common options are debt repayment through online banking. This can be like OTP-Direct: money is transferred from a bank card to a loan agreement account, or through the Internet account of another banking system. You can also use the following options: Zolotaya Korona, Svyaznoy, Qiwi Wallet, Elexnet, from a mobile phone account, Comepay and Yandex.Money. The commission in each system will be different. The most profitable option is to pay off debt within the banking system. Online transfers are usually the fastest. They take just a few minutes.
3. Bank transfer. There are options here too. You can make a transfer from your debit account to your credit account. This service is free. You can also make a bank payment in any Russian bank by indicating a current account. In this case, the transfer will take from 3 to 5 days, depending on the selected bank. The commission is charged in accordance with the current tariffs of the sending company. One of the rarest, but quite convenient ways is to transfer funds through the accounting department at your place of work. So, you can submit an application to the accounting department so that every month on the required date a certain amount of money is transferred from your salary according to the details of the loan agreement. Then you will receive a clear payment in your hands and will not waste time repaying the debt.

Each of these methods has its own advantages and disadvantages. Therefore, the client will be able to choose the most optimal option for himself.

OTP Bank recently managed to gain the trust of his clients, so the number of people who received credit card exactly this bank, is increasing every day. These statistics can be explained by the good conditions provided by bank.

In every person’s life, sometimes there comes a difficult period that is impossible to overcome on your own, because you need to find financial resources to solve it. It is impossible to earn a significant amount of money in a short period of time. In such situations, they are looking for an organization that will quickly provide the required amount.

Credit often becomes a person’s support. Banking institutions help you get money after completing an application and receiving a positive response from employees. However, the question often arises: is a loan a solution or just another problem?

It is impossible to answer unequivocally, because everything depends on the amount of debt, the repayment period, the interest rate and the salary of the person who is paying the loan debt. Therefore, each person speaks differently about the period when they paid off their loan debt.

It is safe to say that paying for a loan is difficult, because you need to monitor the balance and constantly leave a certain amount of money. This life arrangement quickly gets boring, but the company allows you to pay or buy what you or your loved ones needed. Taking out a loan or saving on your own is a choice for every person, but knowing all the intricacies of payment and receipt never hurts. Maybe in a difficult situation this option will be a salvation.

Why find out your loan debt?

Paying off a loan is the main goal of a person who has such a debt. Therefore, it is necessary to approach the repayment process extremely carefully and responsibly. Any loan debt must be repaid within a certain period, which is established bank.

In any case, the term will not be long, especially since it is very important to pay monthly until the expiration of the term. This will allow you to repay debt obligations in a timely manner and reduce your balance. map. However, some people forget to keep track of the balance and start making mistakes.

If you are a rational person who bears full responsibility for the actions taken, then you must be able to use credit correctly and know about all the income that ends up in your account. To do this, you need to familiarize yourself with the possibilities in advance. jar.

Each banking organization has its own characteristics that distinguish them from each other. You need to be able to choose the department that is most attractive in your individual situation. Below you can find out about the ways that the organization opens OTP to your clients.

Knowing the balance, you can calculate the payment, which will save time and money and pay off the loan ahead of schedule. Many people dream about this, but you need to start working on this issue in order to see results.

How can I find out about the status of my loan?

Employees and management OTP Bank constantly improves the service system so that every client feels comfortable. Advantages jar in verification methods debt By loan consist of a varied selection:

1. Internet banking is the most modern method that is used by the majority of clients of a banking organization. You will receive a login and password during registration. line of credit V bank. To access it, you just need to have Internet access and a regular smartphone. However, the possibilities of this service are almost limitless. You can constantly monitor the status credit card. This way you won't encounter debt By loan, which leads to the formation of penalties. This is not advisable when paying off a debt.
2. Special applications from OTP Bank. They were created by programmers who tried to make a program that allows people to feel the convenience of using services jar. The application can be downloaded exclusively from telephone. However, you can use it every day from anywhere on the planet. The application allows you not only to get acquainted with debt By credit card, but also make payments. This is very practical for those people who do not have a lot of free time.
3. SMS to a special number jar 5927. Clients use this method quite rarely, but it is the one that comes to the rescue in a difficult situation. When there is no access to the above methods, OTP Bank allows you to view your loan balance by sending a message.
4. Contacting the department jar. The rarest method that people use only in extreme cases. To do this, you need to take your passport and go to the department jar, which is most conveniently located in relation to you. Employees OTP Bank will be able to check your history.
5. Help Desk OTP Bank 0707. Get acquainted with debt possible by phone, which is available to all clients. An operator will answer you and is always happy to help resolve any problem.

Attention! All information on this site is presented for informational purposes only. The site does not collect or process personal data. Federal Law No. 152-FZ of July 27, 2006 “On Personal Data” is not violated.

Clients will be able to find out the decision on a loan from OTP Bank within 15 minutes after submitting an online loan application. The bank reports the final answer within 24 hours after receiving the questionnaire. For trade loans, the average processing time takes 30-60 minutes, no more. The deadline for reviewing a consumer loan application is 3 business days from the date of application. If OTP Bank did not inform about the decision after the specified period, we can conclude that a negative decision was made on the application. Before contacting another credit institution, the client must make sure that OTP Bank has reviewed the application and decided to refuse to issue money.

How long does it take for OTP to respond to a loan?

Don’t know how long to wait for loan approval at OTP Bank? Typically, the organization reviews the questionnaire within the first 24 hours after receiving it. A preliminary loan application is processed within 15 minutes after its receipt.

The bank accepts the final response within a maximum of 3 days. If the creditor does not make a decision within 3 business days after receiving it, it will significantly violate its own standards.
For trade loans, the bank is ready to announce a decision as quickly as possible. Here the client will receive a final answer within 5-30 minutes after submitting the application at the office of the partner store.

How can I find out the loan decision?

OTP Bank notifies borrowers of the preliminary decision in 2 ways: during a telephone conversation, via SMS message. The first option is usually used in case of a positive verdict from the bank. If the answer is negative, OTP always sends an SMS with a refusal.

The client usually receives the final response on the OTP Bank loan in the form of an SMS notification or a call. If you don’t know how to find out OTP Bank’s decision on a loan, you can use one of the methods below:

• Call the toll-free contact center number: 8800-100-55-55 or 0707 and ask the operator a corresponding question. In the autoinformer menu, the client needs to select the number “0” to connect with an employee. During the telephone conversation, the borrower must introduce himself and provide his passport details. After identification, the operator will indicate the status of consideration of the application.
• Come to the office of a credit institution and ask any bank employee to check the status of the application. You need to have your passport with you.
• You can find out the decision on your loan application at OTP Bank via Skype. The client needs to add “otpbank_russia” to his contacts and make a call. After identification, the operator will report the review status.
• The client can send a corresponding request to the bank’s email: [email protected], or through the feedback form on the website.

The fastest and most convenient option to find out the decision on a loan at OTP Bank is to call the hotline or via Skype. This procedure will not take the client more than 5 minutes.
According to the terms of lending, OTP Bank has every right to refuse a loan to a borrower without giving reasons. The same right for the creditor is secured by law.

Banks are simply afraid for their “safety”. In their opinion, borrowers who were denied a loan and told the reason for this can carefully analyze the reasons for the refusal and next time circumvent certain requirements of the lender by “embellishing” information about themselves. OTP Bank and other organizations are afraid of an increase in fraud in consumer loans.

Does OTP Bank really notify clients about the decision or does it forget about them?

The credit institution always informs about the decision made by phone or via SMS notification. Most often, this does not happen after “15 minutes,” as indicated on the lender’s official website, but after 12-24 hours, but the lender still notifies the borrower.

What to do if OTP refuses a loan?

If the lender makes a negative decision, the borrower can take the opportunity and contact another organization. Despite the fact that OTP Bank can be classified as a loyal lender, it is not ready to provide loans to borrowers with a low credit rating, high debt load, with a criminal record, etc.

The most common reason why OTP Bank refuses to provide a loan is too much debt. When assessing solvency, the bank calculates the client’s monthly income and expenses. If the borrower’s expenses for repaying all loans exceed 30-40% of his income, then he will definitely be denied a new loan.

The financial situation of the borrower is not the only factor when issuing a loan. Marital status, credit history, whether the client is on the bank’s blacklist, and length of service in the current position also influence. All these factors are analyzed together and a scoring score is determined. If it is low, then the loan application will be rejected. You can determine the scoring yourself using a special tool - a scoring calculator
See also: Online credit scoring. Scoring calculation.
The right decision in this case would be to repay at least one of the loans in full, or apply for a loan under the refinancing program. In this case, the borrower will be able to reduce the financial burden and receive additional money. Such loans are provided by many credit organizations: Tinkoff, VTB-24, VTB Bank of Moscow, Alfa-Bank, MKB, Vostochny Bank and others.

Application for a loan at Sovcombank

Cash loan from Tinkoff Bank

Application for a loan at Rosbank

Application for a cash loan at RenCredit

After what period can I re-apply?

The client will be able to contact OTP Bank to re-apply for a loan after 1 month from the date of announcement of the verdict on the previous application. The bank states that if a client wants to apply for another loan product, or significantly change the amount/term of the current one, then a new application can be submitted the very next day after a negative decision is made, without waiting for the expiration of the month.

The bank will refuse again if no significant changes have occurred in the borrower’s financial life - salary or debt load has not changed.

The bank can make a positive decision if the client has been promoted up the career ladder, or simply increased his salary, if the borrower has purchased real estate or a car, significantly improved his credit history by repaying another loan, reduced the financial burden, etc.

We're glad we helped you make your purchase! We remind you that the loan for the goods was provided by the bank, and not by the retail outlet, so for all questions you will need to contact OTP Bank directly.

For your convenience, we have collected answers to the main questions that arise when using a consumer loan. For repayment methods, see the section “Repayment of OTP Bank loans”

How to return or change a credit item?

If you want to exchange or return goods purchased using credit funds:

• Contact the store where you purchased the goods with your passport and documents issued to you when applying for a loan.
• Inform the store staff that you want to return or exchange the item.
• Then contact an OTP Bank representative in the store and he will advise you on all issues

There is no bank office in my city. Where to go if you have questions?

If there is no credit and cash office in your city, for any questions you may have, you can contact a representative of OTP Bank in the store where you purchased the goods, or by calling the bank’s contact center: short number: 0707 (free from mobile numbers Beeline, Megafon, MTS, Tele2). You can view financial information (date and amount of payment, account status, date of last payment, etc.) in the OTPdirect online bank.

How to repay a consumer loan in full ahead of schedule?

• Check the amount for full repayment by calling the bank's help desk by calling 8-800-200-70-05.
• Deposit the entire prepayment amount into your account in full.
• On the next payment date, your loan will be repaid. You do not need to come to a store or cash office of the Bank or write an application.
• In order to be sure that the loan is ultimately fully repaid, be sure to call the Bank’s contact center again to clarify information about the complete closure of your loan, or view OTPdirect online banking, which is provided to all clients free of charge.
• Be careful, deposit the full amount for early repayment in advance so that the funds arrive in your account on time (for example, if you pay the loan through Russian Post, you must deposit the funds 10 days before the date of the next loan repayment indicated in the payment schedule).

Repayment of consumer and non-targeted loans of OTP Bank

Where can I see the amount of debt and the repayment date?

The amount of debt, the date and amount of payment can be found out in several ways:

	REQ: find out your details

How to avoid being late?

Repay your loan on time in accordance with the payment schedule to avoid falling behind and avoid penalties. It is better to make payments in advance so that they have time to reach your bank account.

Your reliable assistant in repaying your loan will be the free mobile application “OTPcredit”, which you can download to your smartphone or tablet. The application will remind you of the date and amount of the loan payment.

What happens if you miss a loan payment?

If you miss a loan payment, the Bank charges a fine. In addition, late payments will negatively affect your credit history. To avoid such situations, deposit funds in advance. If you have problems repaying your loan, be sure to notify the Bank. OTP Bank makes every effort to accommodate its borrowers who find themselves in difficult life situations. If your financial situation worsens, you can restructure your debt. Restructuring implies a reduction in the monthly payment or suspension of loan repayment for a certain period with an increase in the period of final loan repayment.

What should I do if I can't pay on time?

For those who have taken out a loan at the branch, a service is available to postpone the payment date. If it becomes inconvenient for you to make payments in accordance with the established schedule, you can write an application to the Bank to establish a new payment schedule, and if the answer is positive, repay the loan on those days when it is convenient for you.

If you have problems repaying your loan, be sure to notify the Bank yourself. Bank employees will discuss all possible options with you.

What should I do if I have lost my details?

Find out your details using our services.

	Internet bank "OTPdirect" When signing the loan agreement, you received a login and password. Log in to Internet Banking by entering them in the appropriate fields.
	Mobile bank "OTPdirect" When signing the loan agreement, you received a login and password. Log in to Internet Banking by entering them in the appropriate fields. Install the free application on your smartphone or tablet (login and password, as in Internet Banking). Available on the App Store and Google Play.
	Application for borrowers "OTPcredit" Free application for clients who have taken out a loan. Authorization - by mobile phone number. Available on the App Store and Google Play.
	SMS bank Send an SMS with the command text to the short number 5927: REQ: find out your details LOAN: find out the amount and date of payment, balance of debt HELP: Get a list of additional commands (SMS information service must be activated in advance)
	Bank help desk Toll-free 24-hour numbers: 8-800-100-55-55 (cash loans); 8-800-200-70-05 (loans issued in stores)
	OTP Bank branch To obtain information, you will need your passport.

Made the payment, but the money did not arrive at the Bank?

There was an error in the recipient's details.

If you find an error in your details, you need to contact the nearest OTP Bank office with your passport and all documents confirming the fact of payment. At the bank, you need to write a free-form application with a request to transfer money to the correct current account.