OTP Bank is among the ten most active issuers credit cards and ranks third in the number of loans issued in stores selling expensive goods. Naturally, bank clients often have a question: how to pay for an OTP bank loan without commission or with a minimum? We'll talk about this later.

Payment methods for OTP Bank loan

Taking care of the convenience of customers, the lender has provided many channels for making payments. You can repay the loan at bank branches, through a huge affiliate network, and also make payments remotely.

Most common repayment methods OTP loan jar:

• Through online channels. You can use the following services:
  • OTPdirect;
  • online banking of any other financial institution by completing a transfer to the lender’s details (read about how to pay for a loan from another bank through Sberbank Online);
  • translation from debit card by filling out the payment form directly on the OTP website;
  • websites of payment operators Unistream and Zolotaya Korona;
  • electronic wallets: Yandex, Elexnet.
• You can deposit cash to repay the loan:
  • To the cash desk of any banking institution, including OTP.
  • Through ATMs with a cash-in function and self-service terminals in branches of OTP and Sberbank of Russia.
  • Through payment system"Rapida": in the Svyaznoy chain stores, M-Video, Eldorado, Domo stores.
  • Through network members " Gold Crown».
  • To the cash desk of partner organizations: Megafon stores, Russian Post branches, Rostelecom branches.
  • Through payment acceptance terminals: “Qiwi” and “Eleksnet”.

You can also agree with the accounting department of the enterprise where the borrower works, so that the accountant, on the appointed day, makes a deduction from the employee’s salary in favor of the bank, and carries out cashless payment to the specified details.

Via the Internet, personal account

For holders of OTP Bank payment cards, the easiest and cheapest way to deposit monthly payment- through the Internet. You need to log in to OTPdirect online banking and make a payment through your personal account.

For transfers between cards and client accounts opened at OTP Bank, including from a current account to a loan account, there is no commission. Connecting and using Internet banking is also free.

If the client does not have access to his personal account, he must visit OTP department and activate this service. If the service has already been activated, you can call the multi-channel phone of the call center and the operator will provide the login, and one-time password to log in will be sent to the client’s mobile phone.

To simplify subsequent loan payments, personal account You can create a template or connect a payment on a schedule. In the future, it will be possible to make a payment using the template via SMS, but this service is paid and its cost is equivalent to the cost of an outgoing message.

For mobile phone you can use the application " Mobile bank» from OTP, which also includes the ability to make monthly loan payments.

From an OTP card

There is another way to pay for an OTP loan - through Internet banking OTP card, but without authorization in Internet banking.

This feature is also implemented on the bank’s official website, but it is paid. Instructions:

1. On home page website, you should select the “Repayment” or “Repay Loan” section,
2. Next, go to the “Pay online” subsection,
3. In the list of methods that opens, give preference to the “Pay with card” operation,
4. A payment form will open in which you must indicate the card number and full name of the holder.

The operator for making such payments is outside organization“Payment Center”, the operator will charge a commission of 2% of the amount for transferring money.

From a Sberbank card

Clients largest bank countries can pay a loan to OTP Bank via the Internet by bank card Sberbank. To do this you need:

1. Log in to the Sberbank Online system,
2. Select the item “Repay a loan from another bank” in the “Payments and transfers” section,
3. Enter payment OTP details and make payment.
4. There you can activate the “Autopayment” service and money in favor of OTP will be debited automatically on the appointed date.

For loan payments in favor of another bank through Sberbank Online commission will be 1%.

By contract number

The client may need the agreement number both to make cash loan payments and to make online payments. In particular, it is necessary if the client plans to make a monthly payment through:

• OTP bank self-service terminals,
• ATM,
• Interbank transfer. The contract number will need to be indicated in the purpose of payment column,
• Postal transfer.

To make payments through the Golden Crown service, the Rapida system, and payment terminals, you need to know the credit account number. This number is indicated in the loan agreement and consists of 20 digits.

Where to pay for an OTP Bank loan without commission?

You can repay the loan for free. At no additional cost, you can make your current loan payment through:

1. OTPdirect system;
2. Bank cash desk, ATMs with cash in function and OTP self-service terminals;
3. Translation service "Unistream";
4. Divisions of Russian Post.

The decision to take consumer loan is hard for most people. Having received credit funds at the right time, they will have to be returned with interest. OTP Bank meets customers halfway and gives them the opportunity to repay the loan early, saving money on interest payments.

Types of early repayment: conditions

If the loan is repaid early, the bank recalculates the interest. The loan agreement specifies the terms early repayment, according to which there are two options for DP:

1. Partial early repayment, in which the client transfers an amount exceeding the amount of the monthly payment. This type of DP is also reflected in the payment schedule: the amount decreases regular contribution, wherein credit period remains the same; further regular contribution amounts remain the same, but the credit period is shortened.
2. Full early repayment, in which the client pays the entire balance of the loan, taking into account interest rate and commissions. If an amount that is higher than required is credited to the credit balance, the bank may return the overpayment upon application.

By calling the 24-hour OTP customer support service, borrowers can find out detailed information about the available options for early loan repayment:

The early repayment agreement is beneficial for both parties: the bank is guaranteed to return the funds, while in any case earning on interest and commission fees. And the client frees himself from debt obligations and saves on interest payments.

When deciding to make partial early repayment of a loan, clients should be aware of the following rules:

1. OTP Bank does not set a fixed amount for early repayment. Even in the case of a minimal overpayment, clients can contact a bank employee with a request to make changes to the payment schedule.
2. If there is an active loan, the early repayment service is available to clients from the next day after receipt Money. This opportunity is especially relevant for borrowers who have made a spontaneous decision and want to repay the debt as soon as possible with minimal financial costs.
3. To carry out the procedure for early repayment, you must contact the bank branch with a written statement of your intention, and the application should be submitted two days before the date of depositing the funds.
4. In case of early repayment, funds are written off against the debt only during business hours.
5. To repay a loan early, you must transfer funds to your credit account. The credited amount must cover not only the loan, but interest and commissions.

OTP Bank is quite loyal to borrowers. Therefore, the early repayment service is absolutely free: no penalties are charged.

How to find out the amount of debt and write an application?

Whichever of the two types of early repayment clients choose, it is necessary to adhere to certain recommendations. If the algorithm of actions is not followed, the bank will not be able to recognize the fact of DP, and clients will have to wait for the next date, according to the payment schedule.

Partial early repayment

1. Credit to the credit account an amount that is at least one hundred rubles higher than the monthly payment.
2. Request a sample document called “Application-Commitment” from the bank branch.
3. Fill out the application form, similar to the sample. The form must notify the bank of the intention to make a partial DP, and also indicate the amount of payment. For example, the initial loan payment was 8,000 rubles per month. In case of a contribution of 10,000 rubles on the next payment date, the difference between the two figures should be indicated in the “Amount of early payment” field: 2,000 rubles.
4. Indicate in the application best option recalculation of the schedule. It is recommended to choose the option with a reduced credit period.
5. Certify the application and receive a copy with a bank seal.

After completing all these steps, you need to wait for an SMS notification about the successful completion of the procedure. A new payment schedule can be issued at a bank branch or printed from the online account on the official OTP website.

Full early repayment

To carry out the procedure, you must adhere to the following procedure:

1. Contact the nearest OTP office with your passport to find out the exact amount of the debt balance including interest. This information can also be clarified by contacting hotline or through Internet banking.
2. Credit the loan account with an amount that fully covers the loan balance.
3. Fill out a commitment application at a bank branch. In the form you must indicate your desire to completely close the loan, and also indicate full amount debt (including kopecks).
4. Have the application certified by the employee and receive a stamped copy of it.
5. Wait for the operator to call and tell you the total amount including interest. If the payment schedule indicates the repayment date, for example, the 30th, and the loan closure procedure occurs on the 54th, OTP Bank will recalculate interest for less than a full month.
6. Make sure there is a sufficient amount in the account to close the loan. If there is a shortage of funds, top up your credit account.
7. Wait for confirmation of the operation.

In case of early repayment in full, clients do not have to wait until the next date according to the payment schedule. The loan closure procedure takes place on business days subject to a written application from the borrower.

How to find out if a loan is repaid?

When the loan status changes, OTP Bank sends the client a corresponding notification if the SMS alert service has been previously activated. You can also clarify this information through Internet banking or by contacting a bank branch. Having closed the loan, the client must contact the OTP branch to obtain an official certificate confirming the fact of the return credit loan in full. This document confirms that the borrower no longer has debt obligations to the financial institution.

Nuances of early repayment of a loan for goods

Clients of OTP Bank can not only receive a commodity loan, but also make early repayment of this type of loan. To promptly remove debt obligations, you must contact the OTP branch or call the hotline to clarify the full amount to close the loan.

In case of early closure commodity credit, funds must be transferred to the account no later than 10 days before the nearest date specified in the payment schedule.

The account must be credited with the full amount, which will be debited on the next payment date. This procedure can be carried out remotely, without visiting the retail outlet where the purchase was made. Within 30 calendar days from the date of opening the loan, the borrower can close it in full without notifying OTP Bank by writing an application.

If it is possible to close the loan prematurely, it is necessary to contact the OTP branch as quickly as possible with a statement of such intention and deposit the required amount into the account. Full or partial early repayment of debt allows you to save personal funds on interest payments.

OTP Bank is a well-known and large credit organization that cooperates with a large number of companies and individuals. Its most popular products are loans issued on favorable terms, and also provided only to persons who meet certain requirements and conditions. Each person who has taken out a loan from this organization must carefully understand how to pay for an OTP Bank loan. This process is easy to do different ways, and each option has its own characteristics.

Most often, people use special online channels for repayment. This method allows you to deposit funds quickly. Plus, you don't even need to leave the house. Certain methods require a fee, while others are free. The main online methods include:

Using a variety of online methods to pay a loan is the optimal solution for many payers. True, it is important to understand how to pay for an OTP bank loan in cash.

Cash loan payment methods

These methods include:

The use of cash deposit methods is considered an interesting solution for many loan payers.

Features of using bank transfers

Another option to pay for a loan issued at OTP is to use bank transfers. You can also transfer money from other banking institutions, using their online banking. A simple solution is to involve the accounting department of the organization in which the borrower works. In this case, a certain amount of funds will be automatically sent to pay for the loan to OTP.

If it is impossible to use all of the above methods, you have the opportunity to come to any branch Russian bank to send funds to an OTP bank account, however, a significant commission will certainly be paid for this procedure.

We can say that lending in OTP is considered a popular process, allowing each borrower to receive money on favorable terms. This is allowed by different methods. Some are produced using a computer, and online methods allow you not even to leave your home for these purposes. Others involve visiting the bank itself or using its terminals. In addition, it is possible to use bank transfers. Therefore, each borrower chooses the most convenient and optimal method for himself.

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Early repayment of a loan at OTP Bank allows you to save on paying interest and loan insurance. In order to financial institution recalculated the balance of the debt and the amount of the monthly payment, you need to carefully consider compliance with all conditions, terms and payment procedures. Let's look at how to do this.

There are two ways to repay a loan early:

1. Full payment. This means that the client pays the remaining loan amount in full and closes his obligations to OTP Bank.
2. Partial payment. This option is used when the client pays more than the payment schedule. For example, if the minimum monthly payment is 1,000 rubles, then when you deposit funds in the amount of 2,000 rubles, partial early repayment will occur.

Thanks to partial early repayment, changes in the schedule may affect both a reduction in the amount of the monthly payment and a reduction in the loan term.

Recalculation conditions

The recalculation of interest depends on the type of loan issued to the person:

1. At consumer lending no recalculation occurs. Upon early repayment, the client pays both the body of the loan and the full interest that was originally calculated in accordance with the agreement.
2. For non-targeted lending, OTP recalculates the rates and, depending on the amount contributed by the borrower, recalculates the interest on the loan. Credit consultant must provide a new schedule after payment in excess of the monthly payment. You can also see it in your personal account.

The client can repay his obligations ahead of schedule the very next day after receiving them; there are no restrictions. The same applies to the amount for partial cancellation. The bank is obliged to revise the schedule in any case.

Full repayment procedure

Many borrowers, having taken out a small consumer loan, try to pay it off as quickly as possible. This is beneficial because you do not have to overpay interest for using borrowed funds. This option is also convenient for the lender - the turnover of the bank’s own finances is accelerated. That's why many credit organizations provide their clients with the opportunity to both complete and partial repayment loans ahead of schedule. True, the nuances of this process may differ depending on the specific organization. Let's look at how to repay a loan early at OTP Bank.

Basic provisions

OTP Bank allows its clients to repay their loans ahead of schedule, starting from the first day of the loan agreement. The bank does not impose any penalties and does not charge any fees for early settlement. There are two payment options available to clients:

• full repayment of the loan taken;
• partial early repayment of the loan.

Moreover, in the latter case, there are no restrictions on the amount. You can make even 100 rubles in addition to the mandatory payment - this contribution will be accepted, and the terms of the loan will be recalculated taking it into account.

Partial loan repayment

Before making an additional loan payment not provided for in the payment schedule, the borrower must notify the bank about this. Otherwise, the funds deposited into the credit account will remain there. In automatic mode, the bank has the right to write off from the account only the amount indicated in loan agreement as a monthly fee. To perform other actions, a written application from the client is required.

Advice: in order for the payment procedure to go smoothly, we recommend that you first deposit the amount of the additional payment into your credit account in any way convenient for you, make sure it has been credited, and only then contact the bank with an application. Otherwise, if for some reason the payment is delayed in transit, it will be considered overdue and a penalty will begin to accrue.

You can write an application at any bank branch or with its specialist who works in retail outlets on commodity loans. The form will need to indicate:

• personal data;
• information about the loan (agreement or account number);
• the amount of the additional payment;
• desired date of enrollment.

Important! There is absolutely no need to wait for the next payment date. You can make partial early repayment of the loan at any time.

The day after the date specified in the application for early repayment of the OTP Bank loan, you should contact the customer support center and clarify the status of the account. If early payment has been accepted, you can contact the bank office for a new payment schedule.

OTP Bank agreement on early repayment

Full repayment

Before closing a loan at OTP Bank early, you should contact its contact center or office and find out the total amount of debt. It is more convenient to do this by phone - number 8-800-200-70-05 works around the clock. No statements are required in this case. You simply deposit the full amount of the debt into your account and wait until the next payment is written off. Along with it, the debt will be written off, and the loan, accordingly, will be repaid.

Important! At OTP Bank, you cannot fully repay a loan ahead of schedule on any day - only on the date of the next scheduled payment.

When depositing funds, we advise you to take into account the speed at which they are credited to your account. Depending on the chosen method, it can range from 1 hour to 10 days. If possible, it is better to pay the debt through terminals or ATMs of OTP Bank itself in order to avoid delays with delayed payment.

The day after the payment date indicated in the schedule, be sure to call the bank and find out if your loan has been closed. This information can also be seen in your personal account in the OTP-Direct system.