I needed a loan to buy a new car. The loan was needed for 2-3 months, because... The car was needed now, but the entire amount was late.
When buying a car on credit, 2 banks were approved. I would rather choose the second one. I fell for the smaller one for about 300 rubles. monthly payment, in the end I overpaid 15 thousand.
Managers, including the loan applicant, convinced me that it was better to take the car now and repay the loan ahead of schedule as soon as the money arrived. Lies!
To be fair, I bought a Volkswagen from Meijer in N. Riga. The dealer is excellent, I bought a Toyota from them, through Toyota Bank - great, no complaints.

I know that Sber at one time “dabbled” in writing off partial early payments strictly on the date of the monthly payment, but it was always possible to close the loan completely on the day of application. It turned out that Rusfinance has outdated working methods and you are forced to forcibly use credit money, even after you don’t need it.
The mechanism is simple: a loan agreement is signed, which contains a brilliant link - the main terms of the agreement are posted on the website and the client confirms that he is familiar with them. Those. in fact, the client signs only a small part of the actual terms of the contract, and he should have read all the terms earlier, himself and at an unknown address, because These conditions cannot be found on the site without the help of operators. The loan agreement with the bank does not contain a direct link to these conditions, just to the main page of the bank’s website. I should have paid attention to this, but after a 5-hour trade-in transaction and a huge experience of interacting with loans with very different banks, I did not expect this. This is just some kind of 90s, not a bank.
In general, I will never contact this bank again in my life.
Toyota Bank 4 years ago closed the loan without any questions with “on the monthly payment date.” Mortgage loans in Raif and Sberbank were closed on the day of application, consumer loans in VTB are the same. Both in 2009 and 2019.... In general, the bank is backward, don’t look at the size of the monthly payment at all - it’s a temptation. Even I got caught, always reading everything I sign, having extensive lending experience, an excellent credit history.... It’s scary to think what this bank does to ordinary people.
PS. Agreement No. 1810791-F

Rusfinance Bank 12/16/2019 8:26

Dear lotiya!

Thank you for your feedback. The bank takes into account all your recommendations and comments.

We consider it necessary to clarify that when applying for the loan, all the terms of the loan were explained to you in detail, and you agreed to them, as evidenced by your personal signature on the documents.

According to clause 6.2 of the General Conditions of the Agreement: “The Borrower has the right, after 30 (Thirty) calendar days from the date of receipt of the loan, to return early to the Lender the entire amount of the Loan or part thereof without limiting the minimum part of the loan to be repaid ahead of schedule on the date of the next Monthly payment in accordance with the Payment Schedule, with payment of interest for using the loan accrued on the specified date, in this case, a written notification can be submitted in the appropriate interest period (Clause 5.3. General Conditions) at least 1 (one) business day before the date of early repayment of the consumer loan or part thereof . Write-off of funds towards the Early repayment of the Loan amount or part of the Loan is carried out on the date of the next Monthly payment in accordance with the Payment Schedule. The Borrower is obliged to ensure the availability of funds in the Account no later than the day preceding the day specified in the Payment Schedule. Funds are written off if there are sufficient funds on the Account in the amount specified in the notification and provided that there are no restrictions on the disposal of funds on the Account in accordance with the legislation of the Russian Federation.”
Please note that, in accordance with clause 14 of the Agreement, you confirmed that you were familiar with, understood and undertook to comply with the provisions of the General Conditions of the Agreement. The general conditions are posted on the Bank's website, in the client folder, which is freely available at the Bank's office; in addition, you can request that they be provided to you.

Sincerely,
Quality Department

Rusfinance Bank is a leading financial organization that specializes in issuing loans to the population. The lion's share of the bank's loan portfolio is occupied by car loans and consumer loans. The bank has a large number of payroll clients and issued deposits. In order to monitor the status of your account and make transactions with funds, there is a special Online Account. To get maximum opportunities for managing accounts manually, you just need to pass authorization to enter your Personal Account. Follow our recommendations and you will be able to successfully use the Internet banking service.

Features of the Rusfinance Bank Personal Account

Many financial institutions in the country offer clients to create their own account on their website. If you have access to the Internet, then it is now much easier to carry out various operations with your account and find out information about its status. There is no need to stand in line to see a specialist; just log into your profile with a password and start enjoying all the benefits of online banking.

The Personal Account of Rusfinance Bank allows you to:

Customers who have smartphones based on the Android and iOS operating systems do not have to log into their profile through a desktop computer. It is enough to download a specially developed application to your device and service the credit line at any point where mobile Internet or WiFi is available.

It is important to use your Personal Account when you are on a business trip or on vacation abroad. You don't have to pay the loan in advance or ask your friends to do it. While at a distance, you can make payments to repay the loan from a plastic card.

Register in the Personal Account of the INFO-Bank system

This is quite easy to do. Follow the following step-by-step instructions:

1. Go to the official website. Find the INFO-bank tab, select the “Registration” button. You can use the following link: https://infobank.rusfinance.ru/ICA/login.jsp.
2. In the new window that appears, fill in the fields of the card. First, enter your loan agreement number.
3. Next, enter your date of birth. It assumes the format DD.MM.YYYY.
4. Come up with a login - a name that will appear in your personal profile. It may be similar to your real name or be fictitious. Use the Latin alphabet and numbers. You can also select the contract number as your login.
5. Enter the captcha characters and click the “Next” button.

After completing the above manipulations and entering the data correctly, your mobile phone will receive an SMS message containing the password for your personal profile. If desired, it can be changed to something more memorable. If you accidentally forgot your password, then click on the link to reset it. Within a few minutes, an SMS with an updated access code will be sent to your phone number attached to the loan agreement.

Login to your personal account Rusfinance Bank

After you have already registered in the INFO-Bank system, you can log into your Rusfinance Bank personal account.

Instruction:

1. Open the page: https://infobank.rusfinance.ru/ICA/login.jsp
2. Enter the login and password that was given to you when registering your personal account;
3. Click the login button, you may need to complete an SMS confirmation.

Rusfinance Bank: mobile banking

In times of modern technology, it is much more convenient to use mobile phones that have access to the Internet to enter your Personal Account. This is especially true for those who are on the road.

Simply download the free Rusfinance application, which is available for smartphones based on the iOS and Android platforms. When you log into your account, provide the login and password for your Personal Account.

1. Go to the application store, if you have an Android phone, then in Google Play, if you have an iPhone, then in the App Store.
2. Enter the word “Rusfinance” in the search bar.
3. You will see only one utility with a similar name and bank logo.
4. Click on the “Install” button.
5. Wait until the download is complete.

This way we get a mobile personal account that will always be at hand. In addition, it is much more convenient to use than online banking from a computer.

Problems logging into your Personal Account

Sometimes users cannot access their profile on the Rusfinance Bank website. First, it is recommended to make sure that the entered data is correct. Check:

• whether all characters of the login and password are typed correctly;
• Is the Caps Look key activated?
• have you entered the capital letters correctly?

If everything is correct, but you cannot get into the system, then order a password recovery.

To obtain new data to enter your Account, perform the following manipulations:

1. Just below the button to log in to the system on the “INFO-Bank” tab there is the word “Help” highlighted in blue. Click on it and select the word “Password recovery” from the list that appears. You can simply immediately follow the link https://infobank.rusfinance.ru/ICA/restoreAccount.jsp.
2. In the dialog box that appears, you will need to enter simple information: your date of birth in a standard format and your login (if you remember it, of course!).
3. Forgot your login? To the right of the input field, check the box next to the phrase “Forgot your login.”
4. Next comes personal identification. Enter the following data: date of birth, your phone number to which the credit service agreement is attached, and the number of the credit agreement itself. Click "Next".
5. If you provide correct information, you will receive an SMS message on your phone containing the new credentials required to log in.

The official website of Rusfinance Bank provides an online service. Since many people find online service convenient, users often ask questions about how to register on the site and how to access their personal profile.

Infobank Rusfinance bank personal account

Registration in the Russian bank service is available to every user. Online service allows you to conduct financial transactions without visiting a branch. Therefore, the topic “Bank Rusfinance Bank personal account” is relevant for many. This service is absolutely free, which allows everyone to create their own account without any problems.

Is it possible to pay for services online?

Having opened the official Rusfinance Bank portal on your computer, you need to enter the client’s profile using registration data. Here you can pay any receipts or transfer funds from the control point of your personal account. Through the online service from PSA Finance Rus, you can pay for purchase and sale agreements, repay a car loan, make a payment for a traffic police fine, state duty for the traffic police, or make any other payments.

Free registration on the bank's website on the Internet

Since the service system was developed specifically for clients of this institution, you can use the Infobank portal for free. To see the capabilities of the portal and see your Rusfinance personal account, you need to start cooperation with registration.

A typical online registration form will require the following information:

• Contract number.
• Date of birth indicating day, month and year.
• Login (automatically determined after filling out the contract number).

Personal account Rusfinance Bank official website

In the future, login by phone number or contract will be available. The client can log into his account in any region. This is very convenient, because living in the cities of Ryazan, Yekaterinburg, Volgograd, Kaliningrad, Yaroslavl, Perm, Voronezh, Lipetsk, Omsk, Kursk, Orenburg or Petrozavodsk, you do not need to look for the nearest branch. It is also beneficial to take advantage of this opportunity in St. Petersburg, Sterlitamak, Tula, the cities of Saratov, Samara, Bryansk, Ulyanovsk and Rostov-on-Don.

How to find out the loan balance?

For many, the relevant question is “LLC Rusfinance Bank personal account, how to find out the loan balance.” The standard service provides information for all open accounts. The info section will tell you where to find the “my account” information, credit card and a template with all expenses. The client will be able to download and print loan information. For example, when buying a car in installments, you can see a standard example for paying off a loan. Here you can not only look at the balance of your car loan, but also pay for it.

How to log into your personal account, is registration required?

Each client can enter a personal account into Rusfinance Bank after registration. If a complaint “I can’t log into my account” or “I don’t have my password” is received via the bank’s hotline number, a special application is submitted to restore the account. What to do if you have forgotten your password? You can look it up on the Internet using photos and videos. It will be easy to leave a client’s application, even if no branch is open at this time, the online service will quickly process the request.

Rusfinance Bank personal account login by phone number

Login can also be entered by phone number. You will need to fill out a blank personal data form in your profile. Various payments can be made through the service, for example, you can make the final payment for a loan, pay for the sale of a car by proxy, transfer money to a recipient in another city or from a legal entity to an individual. If the client has a handwritten sample file with details or a receipt in the Word program, you can enter this data to transfer money to them.

Hotline services

The Rusfinance Bank support hotline service format is available in any region; it is not necessary to have access to your personal account. The client can apply in the cities of Chelyabinsk, Barnaul, Veliky and Nizhny Novgorod, Krasnodar, Vologda, Kirov, Murmansk, Ivanovo, Tyumen, Izhevsk, Smolensk, Syktyvkar, Kostroma, Novosibirsk and Naberezhnye Chelny. Service is also available in other cities, including Ulan Ude, Astrakhan, Chita, Irkutsk, Stavropol, Cheboksary, Krasnoyarsk, Kazan, Penza, Magnitogorsk, Tver, Cherepovets, Tolyatti, Belgorod, Kaluga, Tambov, Tomsk, Orel, Ufa, Ukhta, St. St. Petersburg and other regions of the Russian Federation.

How to log into your account to pay for services?

A subsidiary of Rosbank is Rusfinance Bank LLC. The main activity of this organization is issuing consumer loans. The bank's partners are more than 25,000 companies and car dealers. Representative offices of the credit institution are located in 68 regions of the country.

Rusfinance Bank is one of the 5 largest banks that issue consumer loans. The main services include: issuing loans in cash, for the purchase of cars, consumer loans, as well as issuing credit cards. To increase the comfort of using services, a remote access system was developed. Rusfinance Bank personal account opens up a lot of new opportunities for bank clients.

Personal account functions

You will need to log in to access all banking products. In his personal account, a bank client will be able to perform the following operations:

• obtaining the necessary information about the loan;
• linking a plastic card (Visa, MasterCard) of another bank, repaying debt through it;
• control of the receipt of funds into the account;
• requesting necessary documents;
• submitting an application for a cash loan, receiving preliminary information about the possibility of receiving it;
• obtaining interesting information about new products, advantageous offers;
• obtaining operator advice;
• building a route to the nearest terminal or branch of Rusfinance or Rosbank, calculating the distance to them.

The Internet banking system is available at any time. It allows you to monitor and manage your credit debt. This is a comfortable, secure system that improves the quality of service for bank clients.

Registration

Logging in and registering in the system does not cause difficulties for bank clients. For this purpose, a loan agreement is concluded. 5 days after signing all the papers, you can create a personal account.

To register in the system, you will need to go to the bank’s official website. Here you will need to follow the “Info-Bank” link. In the window that opens, click the “Registration” button.
Here you need to enter certain information. The user indicates the number of the loan agreement. Next, he indicates his date of birth. You need to come up with a login that you will need to enter to log into the system. It is best to choose the loan agreement number for this. A captcha is entered to confirm registration.

After entering all the necessary information, the user clicks the “Next” button. Information about successful registration in the system will be displayed on the screen. If an error message appears, some data was entered incorrectly. A message with a login password will be sent to the mobile phone number indicated in the loan agreement.

It is also worth considering that you can register in the system even if a loan agreement with the bank has not been signed. Every citizen who has reached the age of majority can register on the website and get acquainted with the bank’s offers. If desired, the user of the system can apply for a particular loan.

Login to your personal account

To log into the system, you will need to enter the login and password specified during registration on the company’s official website. Bank clients log in using their loan agreement number. If the user does not have a bank account, he can enter arbitrary data entered by him.

After logging in for the first time, you will need to familiarize yourself with the terms and conditions of online banking. You also need to change your password.

Access recovery

If the user has lost or forgotten the password to access the system, he can recover it himself. To do this, you will need to go to the main page of the bank's website. In the login menu to your personal account, you will need to click on the “Recover Info-Bank password” link. A notification with a temporary password will be sent to your phone number. When you log in, you will need to change it to a permanent password. For all questions, please call the hotline.

Official site: http://www.rusfinancebank.ru
Personal Area: http://www.rusfinancebank.ru/ru/info-bank.html
Hotline phone number: +7 495 926-70-07

Rusfinance Bank LLC is one of the leaders in consumer lending in the Russian Federation. The company provides its services through its own representative offices, car dealers and partner retail networks. Today, customer service can be carried out remotely using the INFO-Bank service, which does not require a personal visit to the office and allows you to control your account remotely.

Features of the “Personal Account” of Rusfinance Bank

INFO-Bank is a “Personal Account”, which is characterized by wide functionality, a simple interface and ease of use. The key goals of its creation are to improve customer service and optimize the workflow. INFO-Bank gives you the opportunity to:

• view information about an open loan;
• familiarize yourself with the debt repayment schedule;
• monitor the crediting of funds or their debiting from the account;
• repay debt on an open loan;
• transfer money to repay a loan from a bank card of other financial institutions;
• request copies of contracts, account statements, receive information about the amount of interest rates and the remaining unpaid amount;
• apply for a loan online;
• keep abreast of news and bonus programs of the bank;
• receive advice from a bank specialist at all stages of working with the system;
• send notifications about changes in email address or mobile number.

Important: when changing personal data (first name, last name, patronymic, registration address, etc.), you need to contact the representative office of Rusfinance Bank with documents confirming the changes.

Registration in the “Personal Account” of Rusfinance Bank

INFO-Bank makes it possible to cooperate with a banking institution remotely, without going to the office. To evaluate the capabilities of the INFO-Bank service, you need to go through a simple registration procedure. To do this, go to the main page of the resource and select the “INFO-Bank for Individuals” tab, then “Registration”.

In the new tab, fill in the following fields:

1. contract number (indicate only numbers without letters);
2. date of birth in the format DD.MM.YYYY;
3. login (come up with your own using numbers and letters).

After entering all the information, click “Next”. You must provide only correct information and carefully check all information before sending. If they are specified correctly, the system will transfer the user to a new window where there will be a notification about successful registration. A password will be sent to the specified mobile number, which will be used later for authorization in the INFO-Bank system.

Important: Only clients of Rusfinance Bank who have signed an agreement with this institution can register in the INFO-Bank system.

Login to the “Personal Account” of Rusfinance Bank

To log in to the system, you must either select “INFO-Bank” and “Login” on the main page of the bank’s website. In the window that opens, you need to enter the login that the user came up with at the time of registration, and the password sent to his phone. To change your password, click the corresponding link in the main menu, enter the old password in a new tab, then enter the new one and confirm it.

When logging in using the contract number for the first time, it is recommended that you read the terms of use of the service and sign the user agreement by clicking on the “Agree” option. To avoid any questions in the future, it is recommended that you carefully read the terms of cooperation through INFO-Bank.

Advice: If you have forgotten your login password, you can recover it by clicking the appropriate option in the menu item. Then you need to indicate your contract number, login and date of birth, and within a few minutes a new password will be sent to your cell phone.

Rusfinance Bank - how to find out the loan balance?

Borrowers of Rusfinance Bank in Moscow and other cities are often interested in the loan balance. Such information is required if you want to repay the loan early, if you have a debt, or simply to check the information. To find out the balance amount, you can use one of the following methods:

1. Call the call center from a landline or mobile phone. The specialist will have to provide the loan agreement number and personal data, after which he will announce the balance amount and advise if additional questions arise.
2. Visit your “Personal Account” on the official website, where you can see the debt repayment schedule, the presence of overdue payments, etc.
3. Online chat. To do this, you must select “Online consultant”. In the pop-up window you need to enter a message and press the Enter key. After some time, an employee will join the chat and answer your question.
4. ATM of Rusfinance Bank. To do this, it is recommended to insert your credit card into the ATM, select the “Account Statement” section in the menu and wait a few seconds - the loan balance will be indicated on the device screen.
5. Bank office. This method is suitable for those who do not use the Internet and live near a Rusfinance Bank branch. Be sure to have your passport and loan agreement with you.

Rusfinance Bank Post and other contacts