A credit card with a grace period for lending from Axon Bank can be issued without proof of income by presenting a passport and SNILS. In addition to the fact that the credit card allows you to use borrowed funds from the bank for 50 days without accruing interest, you can receive a return on purchases in the form of cashback.

Requirements for borrowers and program conditions

The card can be obtained by borrowers with a good credit history between the ages of 18 and 75. Proof of income is not required; it is enough to present your passport and SNILS. The client must have mandatory registration in the region where the bank operates, and the work experience at the last place of work must be at least 4 months.

MasterCard Platinum credit card is issued for a period of up to 3 years. Credit card amount from 30,000 to 100,000 rubles. If the conditions of preferential lending are met, the use of funds is free, but if you go beyond the interest-free period, a rate is applied, which depends on the category of the client:

• For those who do not have a history with the bank, the maximum rate is set at 29.9%.
• A minimum rate of 14.9% is available to Axon Bank borrowers, provided they have at least 3 closed loans in the amount of 1,000,000 rubles or more.
• The rate of 24.9% is intended for clients with previously issued loans of 100,000 rubles or more.

Credit card from Axon Bank

Credit card amount

from 30 thousand rubles to
100 thousand rubles

Grace period

up to 50 days

loan rate

from 14.9%
per annum

* - receive up to 7% cashback on purchases

In both cases, there should be no delays recorded - a maximum of 7 days for the entire service period.

The grace period applies only to non-cash transactions. You can use borrowed funds without paying interest for 50 days. The start of the grace period is fixed at the time of the first purchase and lasts until the 20th day of the month following the month in which the first purchase was made. If the conditions of preferential lending are not met, payment in installments is possible. The minimum payment is 5%, but not less than 320 rubles plus interest for use, must be paid no later than the 20th day of the month following the month of the debit transaction.

There is no commission for issuing a card, and the cost of service depends on the client’s activity and is 49 rubles per month if the debt is repaid, and 249 if there is an open debt on the settlement date. For storing your own funds on the card, income accrual is provided:

• For amounts up to 10,000 rubles – 1% per annum;
• From 10,000 to 50,000 – 2%;
• From 50,000 to 150,000 – 3%;
• From 150,000 to 300,000 – 4%;
• From 300,000 to 500,000 – 5%;
• From 500,000 – 1%.

Cash withdrawal by credit card is possible with a commission of 5.9% of the withdrawal amount, but not less than 500 rubles. It is not possible to withdraw cash from an ATM in excess of 50% of the established credit limit. There is no commission for withdrawing your own funds.

At the client's request, it is possible to connect SMS notifications for 49 rubles per month.

Conditions for receiving Cashback

The credit card is issued with additional features and allows you to receive income from purchases in the form of cashback upon active use. Bonus size:

• For purchases up to 10,000 rubles per month, the cashback will be 0.1%.
• From 10,000 to 30,000 – 1%;
• From 30,000 to 75,000 – 1.2%;
• From 75,000 – 1.5%.
• A maximum return of 7% is accrued if the total amount of purchases on the card is from 150,000 rubles per month and there is a balance of own funds of at least 500,000 rubles.

Cashback cannot exceed 5,000 rubles per month and 60,000 rubles per year.

Installment card "Axon Active"

A special banking product was developed for active buyers and clients of the AKSON shopping center. The client receives up to 100 days of installment plans for purchases in this hypermarket (including on the website akson.ru) using the card.

Installment card "Axon Active"

Card limit

up to 100,000 rubles

Grace period

up to 90 days

loan rate

installed individually

* - cardholders receive installments at 0% for 3 months for purchases on the Akson.ru website or in the AKSON shopping center

The maximum amount under a credit line is 100,000 rubles, the loan term is no more than 36 months. MasterCard Unembossed credit card without annual maintenance is issued for 5 years. For registration you only need a passport and SNILS.

During the grace period, it is necessary to make mandatory payments in the amount of 8% of the amount spent, but not less than 500 rubles, by the 15th day of each month following the month of purchase. The card is intended only for paying for goods, without the possibility of withdrawing cash.

You can repay a credit card without commission:

• At Axon Bank self-service terminals by depositing cash onto the card.
• At the cash desk when depositing more than 50,000 rubles into the account.
• When depositing an amount up to 50,000 into the cash register, you will have to pay 150 rubles.

You can pay off the debt in any other convenient way: through Russian Post, mobile phone stores,

The necessary information about the credit card parameters, the amount of debt, and the balance is easily tracked in your personal account. You can also order a call back or contact a hotline specialist yourself at 8 800 100 1500.

You can submit an application either at the bank’s office or on the website by filling out a form. When submitting an online application, you must fill out the blocks with personal data, registration address, brief information about employment (industry area of ​​the position and type of position).

It will take a few minutes to make a decision, after which the bank manager will call you to determine the nearest office and a convenient time to receive a credit card.

Offices for obtaining the card are located in the cities: Vladimir, Vologda, Kostroma, Ivanovo, Kirov, Rybinsk, Tambov, Cherepovets, Yaroslavl.

Borrowers from other cities can take advantage of offers for and.

Hello! Due to a number of questions, answers will be provided in stages. Firstly, a claim or complaint to the Central Bank of the Russian Federation is drawn up in free form. Its formation is carried out through the official website of the regulator. In particular, the “Internet reception” function located on the main page. After the transition, you will only have to select “Submit a complaint.” Then select the appropriate section. On the issue under consideration, they will be – Banking activities – Revocation of license – Other.

At the same time, most likely, you will not receive any exclusive answer. Explanations on debt repayment issues from the Central Bank of the Russian Federation are presented on its official website. In particular, according to this link (extreme 7th link). Separately, we would like to add that to a complaint regarding the State Corporation “Deposit Insurance Agency” (DIA), the answer will be quite banal - the Central Bank does not regulate the activities of this structure, and, accordingly, complaints about the quality of work of individual divisions should be sent to the management of the State Corporation.

Secondly, when a bank’s license is revoked and it goes bankrupt, no new agreements or debt repayment schedules are concluded. Payment is made according to the terms of existing agreements. This procedure is not even an assignment of the right of claim, in which the debtor is required to notify about the sale of the loan. Therefore, the debtor’s obligation to pay the loan in a timely manner, using current details, is not canceled.

That is, the borrower independently needs to clarify the current payment information. For example, through the bank’s official website while there is a temporary administration in place, or the official website of a bankruptcy trustee appointed by the Arbitration Court. In this case, the official resource of the DIA. Difficulties in relationships with certain divisions of the bank itself, its temporary administration or liquidator are not grounds for refusal to pay the debt.

Based on this, if you want to send a complaint or claim, you can try to do this not only to the Central Bank of the Russian Federation, since you most likely will not receive a detailed answer, but also directly to the DIA. This can also be done through the profile Internet function, but on the official website of the State Corporation. It is available at this link. When creating a request, indicate not only the essence of the question in detail, but also identification information. For example, the name of the bank, contract number, date of its conclusion, contact details, etc. Separately, we note that both of the above-mentioned structures have the right to provide a response within 30 days.

At Axon Bank it is very convenient and easy to apply for a loan online via the Internet, it will not take much time and will simplify many application processes - it is convenient for both the bank and you. Whether it’s a small payday loan or a car loan, everything can be processed quickly and, most importantly, safely.

Today, a cash loan to an individual is the most widely demanded service of AKSON BANK.

It is impossible to predict all possible expenses; very often there is no savings for unplanned expenses. Our loans are suitable for almost all cases: you have decided to fulfill your dream, you don’t have enough for repairs, you really want to go on vacation, there are large, expensive purchases ahead or a joyful event - you always need money!

Various loan conditions allow you to find the optimal offer that is convenient for you! We offer our clients profitable loans in the amount of up to 100,000,000 rubles with the ability to choose a loan term from one to three years, prompt consideration of the application, as well as a convenient application service, and of course, flexibility of conditions and an individual approach to each client.

Apply for a cash loan online!

Having decided on the required amount of cash and the repayment period, you need to fill out an application for a loan and draw up documents. There is nothing easier than applying for a cash loan online without leaving your home! To do this, you need to fill out a simple, intuitive form to receive a cash loan online on the bank’s website Aksonbank.ru, and we will review your application as soon as possible.

You can calculate the amount of the monthly payment yourself by using a loan calculator: by indicating the desired loan amount and repayment period, you will see the approximate monthly payment. More accurate information will be available after submitting an online loan application.

Cash loan using passport and SNILS

To quickly apply for a cash loan, use your identification card - passport and SNILS and you will be able to receive money in a convenient way with a minimal overpayment on the loan. AKSON BANK is a reliable bank with an excellent reputation, earned over the years, which is why long-term relationships are our priority! We create mutually beneficial conditions so that you are satisfied with our cooperation.

Cash loan without certificates and guarantors

We can afford to trust our clients: you no longer need to collect a lot of certificates and present several documents confirming your identity. With AKSON BANK, obtaining a cash loan without certificates has become truly real. You don’t even have to look for guarantors to make your dreams come true or bring long-held plans to life.

A cash loan without certificates or guarantors is not only simple, fast and convenient, it is a sign of trust in our clients!

Loans

Microloan

Need money before payday? Instant loan from Aksonbank!

• Low rate – 0.1% per day.
• Loan term – 20 days
• Fixed amount 10,000 rub.

Axon Active

3 months installment plan without interest! Profitable purchases without overpayments!

• Up to 100,000 rubles
• Card validity period – 5 years
• For all products in the AKSON shopping center and on the website akson.ru

Additional terms:

• Card type MasterCard Unembossed
• The maximum loan amount is determined individually.
• Mandatory payment – ​​30% of the total debt on the date of payment
• If there are available funds in the Client’s personal bank account, the Bank will write off the amount of the obligatory payment without acceptance.
• Annual maintenance – free

Express loan

With an affordable loan, everything is possible! Online application!

• Review your application in 5 minutes!
• Loan amount from 30,000 to 300,000 rubles
• Long loan term – up to 3 years
• No certificates, only passport and SNILS!

Car loan

Fast and profitable loan secured by a car! Money for car owners!

• From 15% per annum
• Up to 2 years
• Up to 1,000,000 rubles
• For new and used cars

Additional services:

• The loan is provided against car collateral for car owners of category “B” vehicles.
• Repayment procedure: Calculation of interest on the balance of the debt. Equal monthly payments. Early repayment is possible.
• Loan security: Pledge of a car or a purchased car.
• Documents provided: passport, SNILS, documents for the car (purchased car). For applications over 500,001 rubles - certificate 2-NDFL.

Capital

Dreams are real!

• Low interest rate – from 10.5%
• Loan amount from 1,000,001 to 100,000,000 rubles
• Loan term of your choice – from 1 to 3 years

Bank cards

Bank cards are a modern, convenient and reliable way to store and use your funds. AKSON BANK offers its clients to issue both debit and credit bank cards. Unlike cash, a bank card will allow you to comfortably and safely make online purchases on various online trading platforms at any time.

Ease of use of bank cards

In the modern world, payments by bank card can be made almost everywhere: in stores, gas stations, restaurants. Now you don't need to carry cash with you to make payments. Payments by bank card are instant and safe, even if you lose your card, you will not lose money!

You can pay utility bills, telephone bills, Internet and much more with an AKSON BANK card without leaving your home, it’s convenient, fast and without commission. With the card you will clearly control your expenses.

A bank statement will show the entire history of card transactions, and instant SMS notification will inform you of the amount of the payment made and the balance of funds on the account.

Affordable service for bank cards in AKSON BANK

AKSON BANK offers its clients to issue bank cards with different service rates. With us you will find a card that fully meets all your needs. There are both budget, standard card options with minimal annual maintenance, as well as gold and even platinum cards of the Master Cart payment system.

Premium cards are distinguished by the presence of pleasant bonuses in the form of preferential use of safe deposit boxes, an increased limit on cash withdrawals and the ability to make payment transactions around the world. Regardless of the type of bank card you choose, you will always have access to guaranteed profitable, high-quality and reliable service.

Interest is accrued on the balance of funds depending on the type of card, which is why using our cards is not only convenient, but also profitable.

Sources:

1. https://www.aksonbank.ru/fizicheskim_litsam/kredity_nalichnymi/

Among the bank's financial services for individuals, two consumer lending programs are offered. Borrowers who meet the requirements can receive up to 10 million rubles. To take out a cash loan from Akson Bank, you just need to fill out an online application on the company’s official website.

Product terms

Through an online application at Axon Bank, you can apply for one of two consumer loans in cash.

Express loan program:

1. The rate is 15.9% for all clients and 13.9% for the preferential category of borrowers.
2. Amount from 30 thousand to 300 thousand rubles.
3. The contract term is from 1 to 3 years (in multiples of 12 months).

To conclude a loan agreement, you will need a Russian passport and SNILS. Without income documents, you can take up to 150 thousand rubles; otherwise, you must submit a certificate in the Axon Bank form, 2-NDFL, an extract from the Pension Fund or a pensioner’s certificate. Borrowers who have successfully closed a previous loan in the amount of more than 100 thousand rubles at Axon Bank do not need to provide a certificate.

If you need to borrow a large amount, you can use the Capital loan program. As part of the product, the bank issues up to 100 million rubles, the minimum threshold is 300 thousand. Borrowed funds can be repaid within 1–5 years, and the percentage of overpayment will depend on the duration of the contract. The cost of the loan is also affected by the availability of insurance.

Detailed conditions for the rates of the Capital program are indicated in the table.

Term, in years	Contract with insurance	Contract without insurance
1 year	9,50%	19,5%
2 years	16,5%	22,0%
3 years	17,5%	22,0%
4 and 5 years old	18,0%	22,0%

The contract for life and health insurance services is concluded on a voluntary basis, but such a decision will allow you to obtain the most favorable conditions. The cost of the policy depends on the loan amount and is 5%.

A package of documents to be submitted to CB Akson Bank LLC: passport, SNILS, certificate of monthly income (account statement from the Pension Fund of the Russian Federation on the accrued pension, 2-NDFL, pension certificate, certificate from the place of work in the form of the bank).

How to apply online

An application for a loan is completed on the bank's official website. Here you need to select a suitable offer and click on the “Complete” button, after which a form will open to fill out.

It is necessary to provide all the requested data:

• loan amount and term;
• FULL NAME. and date of birth;
• mobile phone and email address;
• passport data: number, series, department code, date of issue;
• permanent residence address;
• SNILS;
• job title.

The period for generating a response to an online loan application ranges from 5 minutes to 3 business days. Afterwards, the bank sends a notification about previously approved loan or refusal. Then the package of documents must be submitted to the bank for review, after which the credit manager will announce the exact terms of the loan - the amount and interest rate. In special cases, third party guarantees may be required to obtain funds.

Maxim Demchenko

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The Axon Credit system allows bank clients to quickly fill out an online loan application with the ability to specify the desired loan term and amount. The article describes in detail the stages of submitting an application without visiting a branch of a financial institution.

Axon Bank invites clients to submit applications online for the following types of loans:

On the bank's official website, the client can obtain information about the types of loans, as well as the methods and conditions for obtaining and repaying.

Application methods

To submit an application online, a client of Axon Bank can:

• visit the official website;
• use your personal account.

The borrower is not limited by the operating time of the site and can submit an application from anywhere and at any time. List of documents for obtaining a loan:

• passport of a citizen of the Russian Federation;
• SNILS.

The list of additional requirements:

• age from 18 to 70 years;
• The period of work in the last place is at least 4 months.

Registration takes place without guarantors, collateral or income certificate.

Official site

On the bank’s website, the borrower should click the “Get a loan” button and fill out the form that will become active below.

Submission of an application occurs after correctly filling out all fields of the application form, which includes:

• personal data;
• passport details;
• SNILS;
• registration data at the place of residence;
• information about the borrower’s employment and income level.

The time for making a decision on a loan application from the moment of submission ranges from 5 minutes to three working days.

Personal Area

Clients of Axon Bank can use the Internet banking service. The client can also submit a loan application here. The application form is identical to the online form on the official website.

Registration

On the official website you need to click the Internet Banking button.

After this, a menu for logging into the bank will open on the page. If the client is visiting the site for the first time, he should register.

Registration takes place using one of the following methods:

• by credit card number;
• by passport;
• by account number.

Authorization

In case of problems with logging into your personal account or to restore access to Internet banking, clients must use the Register link or contact the Akson Bank information center by calling 8-800-100-1500.

Stages of review

The application completed by the borrower goes through two stages of consideration:

• verification of the questionnaire by a credit expert;
• verification by the bank's automated system.

The financial institution will report a preliminary positive decision or refusal. Next, the entire package of documents must be taken to the bank for further processing.

In rare cases, the loan amount, term, interest rate may be revised and third party guarantees may be required. This happens when the bank tries to insure additional risks associated with the current type of lending.

How to increase your chances of approval

In order to increase your chances of receiving a loan, the borrower must remember that:

1. Having a positive credit history serves as an advantage for conscientious borrowers over those clients who have either a negative or no credit history.
2. When submitting an application, you should enter your data as truthfully and correctly as possible. Errors and inaccuracies may cause your application to be automatically rejected.
3. In addition to a positive credit history, it is important to have a regular source of income. The bank must be confident in the borrower's solvency.

The functionality and mobility of the online service from Axon Bank allows borrowers to complete an application for any type of loan at a convenient time and in any place where there is Internet access.