Classic and express delivery is carried out simply in car dealerships in Moscow and Russian cities. Cetelem Bank offers to get a new car with payment on credit in its locations in 74 regions.

Today they are provided at low interest rates subject to insurance from an accredited company. The rate from 7% per annum can increase to 14% without taking out a policy and depends on the offers and the brand of car.

If there is no CASCO policy during the lending period within a month after the expiration of the previous insurance period and failure to provide copies of documents to Cetelem Bank, a fine of 10,000 rubles will be imposed. These cases can arise even with a timely renewal, when you instruct the insurer to transfer the contract or send it to the specified email address, but do not attach a payment receipt, or submit a document, but the company representative forgot to sign and stamp. In this case, the bank does not accept an incomplete package and applies penalties.

What documents are required to apply for a car loan?

In accordance with the “Classic” and “Express” programs, to obtain a car loan from Cetelem Bank, you need a civil passport of the Russian Federation plus a driver’s license for confirmation, or an insurance certificate, TIN, and international passport. Young people under 27 years of age present a military ID.

Unlike an express car loan, the “Classic” program provides for the provision of proof of income.

• Forms 2-NDFL;
• Certificates from the place of work and copies of the work book certified by an authorized person.

Military personnel serving under contract are provided with an identification card.

What brands of cars does Cetelem Bank lend?

You can submit an online application for a purchase under the car loan program in a showroom and dealership company center for a new and used car of Russian and imported origin. The bank works with various representative offices of famous world brands from the automotive industry.

A car loan is issued regardless of the brand and equipment, economy or business class. The calculation is carried out in accordance with the buyer's solvency.

What tariffs are set for car loans from Cetelem Bank?

A huge selection of offers allows you to choose the best option and buy a new car in full accordance with the wishes of the owner. Credit support from Cetelem Bank helps you make your dream come true and order the maximum equipment and prestigious interior trim. Tariff packages for car purchases also include ongoing promotions with current rules.

• The rate is lower with GAP;
• Promotion with lower interest rates along with services;
• Introduction of the “Partnership new with multi-year CASCO” program;
• Car loans Ford Credit;
• "Affiliate" from 04/14/2017.

Starting from April 1, 2017, new tariffs were introduced for programs for the purchase of various types of vehicles.

• "Business";
• "Eurostandard";
• "Moto";
• "Reliable";
• "New European standard";
• "Special";
• "Standard".

The “Reliable: Eurostandard” tariffs remain in force with new offers from 2015.

The latest packages dated April 14, 2017 include a multi-year CASCO insurance, which allows you to prevent the lack of insurance for a credit car and the accrual of penalties of 10,000 rubles.

Why choose Cetelem Bank for a car loan?

Car loans from Cetelem Bank have received different reviews regarding early repayment of debt, CASCO insurance and prolongation, commissions for the next payment. However, a branchless financial structure also offers benefits.

• You can buy a car of a prestigious model without saving money for a long time;
• Car loans are issued for new and used cars;
• The bank works with 2,600 dealers;
• Concludes cooperation agreements with well-known global automakers;
• You can apply for a loan using your passport and driver’s license;
• The decision on registration is made within 15 minutes, excluding the submission time;
• Signing a loan agreement at a car showroom and dealership;
• The application period may be extended to a period determined by the bank.

What is the algorithm for obtaining a car loan?

When visiting a dealership or car showroom, close attention is paid to choosing a prestigious model. Having decided on a car of a more expensive brand compared to your financial capabilities, you can approach the experts and find out the loan rates. After selecting attractive conditions, you can submit documents and wait over a cup of coffee for the decision of the authorized bank.

The expert confirms a positive decision and recommends car financing programs.

• The owner selects the appropriate option, monthly payments are calculated with a repayment schedule;
• An agreement form is provided to familiarize yourself with the conditions, terms, interest rate, availability of CASCO, life and health insurance, penalties, which should be familiarized with in advance;
• After agreeing on all the points, you can make an initial payment for the car;
• The owner signs a purchase and sale agreement and a CASCO policy;
• A loan is issued between the bank and the borrower for a new car or used vehicle.

With an experienced expert, these operations do not require much time; the main thing is to accurately determine the program and correctly fulfill the clauses of the contract.

How to repay a car loan without delays?

Unlike conventional banks, this financial structure operates without branches. All operations for opening a car loan, purchasing a CASCO policy, and the SMS Informer package are carried out at the point of sale in a car showroom and dealership center. Cetelem Bank, in accordance with the agreement, opens a loan account and informs the client about the balance and monthly payments.

Repayment can be made in various ways, with or without commissions, at different payment deadlines, in terminals and via the Internet.

You can repay a car loan through Sberbank Online, Autopayment, Eleksnet, terminals and QIWI wallet, by transfer from a Visa, MasterCard to Cetelem Bank plastic card.

The service is provided by Best2pay and works only in the direction of Cetelem Bank. The maximum amount per day is 75,000 rubles. Cards of any banks of the Russian Federation are accepted for payment. The transfer is carried out with a commission of 1.4% of the payment, but not less than 75 rubles.

How to pay for a car loan through the Sberbank Online system?

The instructions for paying off monthly installments using this method contain the following algorithm:

• Login to the Sberbank Online account;
• Selecting the item “Repay a loan at another” financial institution;
• From the drop-down list we find “Cetelem Bank”;
• Enter the contract number, account number, borrower's full name, telephone number;
• Amount of payment;
• The entered details are verified;
• The system displays Sberbank data;
• We confirm the operation.

Connecting to Sberbank Online allows you to pay a loan with 1% for services, and free of charge when using Autopayment. The Eleksnet service operates without commissions and accepts up to 15,000 rubles. Enrollment times are usually 4 business days. This is long compared to bank payments and, taking into account weekends and holidays, can lead to delays and fines, so it is better to make transfers in advance and not put off until the last minute.

Today, BNP Paribas Personal Finance operates under the Cetelem brand, a group that ranks first in lending to individuals in France and Europe.

At the end of 2014, Frank Research Group noted the turnover of issued car loans. Cetelem Bank took 1st place in this segment and continues to develop in this direction. Being in close proximity to sales makes it easy to solve the problems of future owners of new foreign cars and products of the Russian automobile industry.

Reading time: 6 minutes

Many of our compatriots dream of becoming a car owner. Some of them can afford to buy a new car or at least a used one at a car dealership, but for most this is an unaffordable luxury. The way out of this situation is seen in purchasing a vehicle using funds borrowed from a bank. Moreover, competition forces financial organizations to develop new products with more attractive conditions. A car loan at Cetelem Bank is one of them.

Some information about the bank

Cetelem Bank is a joint venture of Sberbank PJSC and BNP Paribas Personal Finance. 80% of its shares belong to Sberbank. The main area of ​​activity of Cetelem Bank is providing loans to individuals for the purchase of vehicles (vehicles) within the framework of joint credit programs with automakers.

By transferring such products for use to a subsidiary, Sberbank, according to experts, strengthened its strategic position in the car lending segment of the domestic financial market. The division of specializations is dictated by the retail strategy adopted and implemented by this institution. In parallel, Cetelem Bank, using its accumulated sales potential, launched several partnership programs with automobile industry enterprises.

Cetelem Bank car loan programs and their conditions

In 2019, this financial institution operates 22 special programs. From a wide variety of offers, a potential borrower will certainly be able to choose the best option for himself. Credit support helps you order prestigious car interior trim and maximum equipment.

The main conditions of a car loan from Cetelem Bank are as follows:

• the amount of the loan provided ranges from 100 thousand - 16 million rubles. and depends on the tariff plan established for the selected program;
• To obtain a loan, an advance payment is required - at least 20% of the price of the purchased vehicle;
• loan term – from 1 year to 5 years. However, some programs have limitations;
• mandatory purchase of a CASCO insurance policy and extension of its validity.

For the purchase of which cars is a car loan issued?

You can remotely submit an application for purchase at a dealership or car showroom for a new car of domestic and foreign production. With regard to used cars, there is a significant restriction: the purchase of used cars can be credited only from foreign automakers.

Cetelem Bank cooperates with representatives of 22 world-famous brands - for example, Ford, Porsche, Bentley, Volkswagen, UAZ and GAZ. You will find a complete list in the table below.

"Classic"

Such a program is present in every line of vehicle brands available for purchase. Its main distinguishing feature is that the rate is not tied to the loan amount and term. This allows the client to choose loan parameters based on their own income, without the need to obtain special conditions. In addition, at the request of the car owner, it is possible to include in the loan amount the cost of a CASCO policy, health and life insurance, as well as additional equipment.

"Express"

Lending from Cetelem under this program is intended for the purchase of new foreign cars and cars from the domestic automobile industry. The main difference from “Classic” is that the loan is issued in a very short time. In this case, the maximum loan amount is no more than 2 million rubles. Car loan insurance is mandatory.

Special programs

For convenience, information on special programs from Cetelem Bank is presented in tabular format. Please note that the lending rate depends on the size of the down payment, the make of the car and the availability of CASCO insurance.

Program	Amount, rubles	Bid, %	An initial fee, %
Ford Credit	up to 4 million	from 11.1	20-90
Hyundai Finance	up to 8 million	from 11.3	20-90
KIA Finance	up to 8 million	from 10.3	20-90
Lada Finance	up to 9 million	from 12	from 10
Porsche Finance	up to 16 million	from 13.5	20-90
Subaru Finance	up to 8 million	from 5	20-90
Foton Finance	up to 3 million	from 16.8	25 - 90
Bentley Finance	up to 16 million	from 13.5	20 - 90
Geely Finance	up to 3 million	from 1.9	20 - 90
Harley-Davidson Finance (motorcycles)	up to 3 million	from 12.9	25 - 90
Lamborghini Finance	up to 16 million	from 13.5	20 - 90
Lifan Finance	up to 3 million	from 8.5	20 - 90
UAZ Finance	up to 3 million	from 12.6	20 - 90
GAZ credit	up to 3 million	from 16.5	20 - 90
Audi Credit	up to 8 million	from 16.5	20 - 90
Volkswagen Credit	up to 8 million	from 12.6	20 - 90
SKODA Credit	up to 8 million	from 12.6	20 - 90
Cadillac Finance	up to 8 million	from 14.9	20 - 90
Chevrolet Finance	up to 8 million	from 12.6	20 - 90
Ravon Finance	up to 3 million	from 12.4	20 - 90
Chevrolet Niva	up to 8 million	from 12.3	20 - 90
FAW Finance	up to 3 million	from 16.8	25 - 90

Tariff plans

Cetelem Bank has 10 tariff plans for car loans. In fact, they determine interest rates, as well as the size of the down payment for a particular program. You can familiarize yourself with the terms of tariff plans by studying the following table:

Rate	Annual rate, %	Down payment amount, %	Lending volume, rubles
"Standard"	14,9 – 16,8	20 - 90
"Affiliate"	13,8 – 18,4	20 - 90	Min. – 100 thousand; Max. - 8 million
"Moto"	16,8	25 - 90	Min. – 100 thousand; Max. - 3 million
"Ford Credit"	16 – 21	20 - 90	Min. – 100 thousand; Max. - 4 million
"Reliable"	17,9 – 29,9	20 - 90	Min. – 100 thousand; Max. - 4 million
Business	13,25 – 16,75	20 – 90	Min. – 800 thousand; Max. – 5 million

Are car loans with government support offered?

Yes, it is possible to take out a loan with government support to buy a car in Cetelem. This bank was one of the first to provide preferential car loans. Today, the official website of this financial institution offers “to take advantage of the attractive conditions of the Family Car and First Car programs, which provide for government subsidies.”

The borrower will receive a favorable loan rate - 11.2% per annum. The state will also compensate 10% of his expenses for paying the down payment.

However, there are some restrictions for participants in these programs.

Bank requirements for the borrower

Cetelem Bank puts forward a number of requirements to potential borrowers:

• Positive credit history.
• Russian citizenship.
• Availability of permanent registration in the region where the lending branch of the bank operates.
• Age:
  • at least 21 years of age at the time of concluding the loan agreement;
  • not older than 75 years – on the date of the last loan payment.

Required documents

Loans for the purchase of a vehicle at Cetelem Bank are issued according to two main programs - “Classic” and “Express lending”. The package of papers for each of them is different. Let's consider this issue in more detail.

According to the “Classics” program

In this case, the client must prepare:

• Russian civil passport (to be presented).
• A second identity document to choose from the following list:
  • certificate of assignment of SNILS;
  • TIN certificate;
  • driver's license;
  • international passport.
• Document confirming existing income (one of the list below):
  • original certificate of income from the place of employment. It is drawn up in free form. The certificate must be certified by the signature of an authorized person of the employing organization;
  • a copy of the work book. It must be certified in the same way;
  • original form 2-NDFL.

According to the Express program

To receive a loan to purchase a car under this program, you must provide:

• passport of a citizen of the Russian Federation;
• one of the following documents:
  • SNILS insurance certificate;
  • TIN certificate;
  • driver's license;
  • international passport.

Under both programs, male borrowers under 27 years of age must present military ID.

The procedure for applying for a car loan at Cetelem Bank involves the following sequence of actions:

1. Select a car.
2. Submit an application and documents for the selected vehicle to the bank. This initiates the procedure for applying for a car loan.
3. Wait for the preliminary decision of the financial institution.
4. If the lender is satisfied with the make, model and price of the car, a purchase and sale agreement must be concluded with the car dealership.
5. Make a down payment and receive the required documents.
6. Sign a car loan agreement with the bank.
7. Buy a CASCO policy for your car.

After transferring funds to the car dealership's account, the borrower becomes the owner of the vehicle.

Registration online

Before you apply for a car loan, you need to calculate your monthly payments. On the website of Cetelem Bank there is a service “Car Loan Calculator”, which, in fact, is intended for this.

Using the option is quite simple - hints are displayed on the page:

1. Select the make and then the model of the car you like by clicking on the corresponding picture.
2. Indicate the equipment and cost of the vehicle.
3. Enter the amount of the down payment and additional services (GAP insurance, SMS information, etc.). After this, the amount of regular payments will be displayed on the monitor. If they are within your budget, please indicate your full name in the form. borrower, date of birth, phone number and email address.
4. After checking the correctness of the entered data, agree to their processing and transfer to the BKI - check the appropriate boxes.
5. Click on the “Submit Application” button.

After reviewing the application, the bank will contact you no later than the next business day. If the decision is positive, you will need to personally visit a branch of the financial institution to draw up a loan agreement.

Procedure for repaying a loan to buy a car

Typically, the loan repayment procedure is carried out by monthly depositing equal amounts into the loan account. In addition to the principal debt, they include interest charges. Of course, this is convenient, since the client can plan expenses according to his budget for the foreseeable future. But sometimes it becomes possible to close a car loan agreement before the fixed date.

Is it possible to pay off debt early?

The loan includes several components:

• loan amount;
• interest charged for using bank funds;
• fines, commissions, insurance, payment for additional services, etc.

You cannot make adjustments only to the first point - you need to return to the creditor as much as was received. You can reduce the amount to be returned by reducing interest charges.

If you reduce the duration of the loan to a minimum, the amount of overpayment will be significantly reduced.

In order to fully repay the debt to Cetele Bank, you must first clarify its amount. You can get this information:

• by calling the operator on duty at the hotline. You will find its number on the bank’s website;
• on the financial institution’s website by going to the “My Bank” tab, and then clicking on the “Early repayment amount” button.

It is important to note that the last payment is not included in the balance, so it is added to the amount obtained as a result of the above actions. After depositing it into the credit account, you must order early repayment by calling or clicking the appropriate button in the Personal Account of the Cetelem Bank web resource. After the application is sent, a message will be sent to the client’s phone stating that on such and such a date such and such an amount will be debited. You can check this fact in your personal account the next day.

Approximately the same scheme applies to partial early repayment. The only thing to do is to determine the size of the monthly payment or the duration of the contract. The adjustments can also be seen on the bank’s website.

Let's sum it up

In conclusion, you should consider the pros and cons of loans for the purchase of a vehicle from Cetelem Bank. Let's start with the advantages:

• You can buy a used car. True, only foreign production;
• short terms for drawing up a loan agreement. The bank allows itself 15 minutes for this, but sometimes the procedure can take up to 24 hours;
• you can apply for a loan at a car dealership without visiting a branch of a financial institution;
• It is allowed to provide only two documents – a passport and a driver’s license;
• No guarantors are required. There is also no need to provide additional property other than the purchased car as collateral;
• an impressive number of car loan programs. Moreover, they were developed jointly with automakers and dealers;
• a wide variety of loan repayment methods, starting from Sberbank terminals, including electronic payment systems, and ending with transfers through other banks.

Among the shortcomings, clients highlight the following:

• There are queues at regional offices;
• in regional offices the competence of employees leaves much to be desired;
• often, to remind about the imminent debiting of funds, bank employees call at the borrower’s expense;
• unreasonably long period for crediting funds. To avoid delays, the client must make payment 3 days earlier than the date indicated in the schedule;
• The functionality of the bank’s website is rather poor - other than paying for the loan, no other actions are provided.

However, the extensive selection of loan products and, indeed, their favorable conditions make the car loan service at Cetelem Bank very popular.

Login to your Cetelem Bank personal account: video

Continuing the topic of car loans, we cannot fail to mention car loans from Cetelem Bank. This bank is not very well known to the average person (although it belongs to ), but he is actively involved in commodity lending at the counters of household appliance stores and distributing loans for the purchase of cars.

So, if you are looking for a car loan, take a closer look at it!

Among the main advantages of car loans from Cetelem Bank it is worth noting:

• accessible, simple and understandable conditions for car loans
• low interest rates
• availability of a program (as of 2017, you won’t find it anywhere)
• A car loan is issued according to a simple procedure
• high speed of processing applications submitted for a cash loan
• Individual approach to each client
• a wide range of programs developed with the help of automakers - the rates for them are really low (like the state support program)
• there is the possibility of early repayment of a car loan without additional penalties and taxes

By the way, there is still state support in Unicredit Bank , and for example in Sberbank she's been gone for a long time!

The demand for car loans from Cetelem Bank is not strong, but is constantly growing, compared to the generally stagnant car market. This is understandable - there are a lot of offers in this bank, and most importantly there is subsidization of the interest rate from the state, so let's take a closer look at this bank.

What does he offer?

Conditions

At the moment, Cetelem Bank is undoubtedly the leader in three main positions, including:

1. a huge number of automakers that are partners of the bank
2. numerous car dealer partners
3. a large number of already issued credit loans for the purchase of a vehicle

You can buy a new car using any of the offered programs (see the table below) without any restrictions.

Name	Subcategory	An initial fee	Maximum Amount	Bid
Ford		20%	4 million	from 11%
Hyundai		20%	8 million	from 6.7%
KIA		20%	8 million	from 6.7%
Lada		20%	0.9 million	from 7%
Porsche		20%	16 million	from 15.5%
Subaru		20%	4 million	from 7%
Foton		20%	3 million	from 19.5%
Chevrolet		20%	4 million	from 8.56%
Bentley		20%	16 million	from 15.5%
Gily		20%	3 million	from 19.5%
Harley Davidson		20%	3 million	from 12.8%
Lamborghini		20%	16 million	from 15.5%
Lifan		20%	3 million	from 19.5%
UAZ		20%	3 million	from 9.6%
GAS		20%	3 million	from 11.33%
Audi		20%	8 million	from 16.9%
Volkswagen		20%	8 million	from 7.56%
Skoda		20%	8 million	from 7.56%
Ravon		25%	3 million	from 19%
FAW		25%	3 million	from 18.5%

However, if a citizen wants to take advantage of the preferential lending program from the state, then the cost of the vehicle is limited to 1,150 million rubles.

Cars priced above this price are purchased at standard interest rates and discounts will not be taken into account.

And the bank issues ordinary consumer loans for .

In addition, Cetelem Bank provides loans for used cars under two conditions:

1. no older than 5 years, if it is a domestic auto industry
2. no older than 10, for foreign-made cars

In 2014, this bank was named the best in the field of customer service for issuing car loans, this was the conclusion made by the large analytical agency Frank Research Group.

The main difference and advantage is the use of a quasi-captive model, which is the basis of the automobile business of Cetelem Bank and distinguishes it from other organizations that issue loans for the purchase of cars.

The main goal of any bank is its own benefit and increasing its profits, while this bank strives to increase the number of sales of its partners. It is this aspect that attracts both dealers and manufacturers, which further contributes to increasing the bank’s income.

In most cases, banks issuing loans take up a lot of people’s time, since the borrower needs to collect a package of documents, repeatedly visit the bank for approvals and signing documents, and also have to wait a long time for a decision on issuing a loan.

This often repels partners interested in cooperation, since the borrower needs to leave the dealership in order to obtain a loan. All these processes strongly contradict the concept of the dealership business, since the client may change his mind during this time, turn to competitors who do this much faster, or simply refuse to purchase, which entails a loss of monetary capital on the part of dealers and manufacturers.

Cetelem Bank carefully considers and takes into account all these nuances in its work and adheres to the concept according to which a citizen can receive the entire package of services right on the spot, at the dealership.

How to pay

There are many ways to pay for a car loan from Cetelem Bank, but everyone, of course, is primarily interested in commission-free options - there are such.

The entire Sberbank infrastructure will be free for you:

• debt repayment with the help of Sberbank
• using ATMs and self-service terminals of the same bank
• by registering on the Sberbank website and connecting to their online service

You can repay debt on a credit loan with a fee, depending on the tariff of a particular organization, using:

• "Russian Post"
• any other bank, ATM
• Qiwi (terminal or wallet)
• terminals of the Rapida or Eleksent system
• autopayment - automatic deduction of a specified portion of funds from the salary, which is especially important for those who own a salary card in Sberbank of Russia.

Cetelem Bank first received a license to operate in Russia in 2007. Currently, the company has 77 official representative offices in various regions of the Russian Federation. The main specialization of the structure is consumer lending to the population, including the provision of car loans to individuals.

We will describe in detail what a car loan from Cetelem Bank is.

Conditions

The Cetelem company provides cars on credit to all individuals who meet the requirements of the organization.

The borrower must have Russian citizenship, be an adult (permissible age from 21 to 75 years), have a stable and sufficient monthly income and be registered in one of the regions where the bank has a representative office.

The target focus of the car loan is the purchase of a Russian or foreign-made passenger vehicle, economy or business class.

Important! All Sberbank car loan programs were redirected to Cetelem Bank this year, so this is where the greatest variety of available offers is.

This year, Cetelem Bank is offering users several loan programs for purchasing a car:

• Car loan "Partner"
• "Ford Credit"
• "Standard"
• "Business"
• "Reliable"
• "Moto"
• "Universal"
• “Partnership (multi-year CASCO) new”
• "Used car"
• "Auto online"

Let's consider the conditions of the most popular of them:

Auto loan "Standard"— issued to individuals for the purchase of personal passenger vehicles. Its conditions:

• down payment amount – from 20% of the cost of the car;
• minimum amount – 100,000 rubles;
• maximum loan amount – 4,000,000 (for new cars);
• repayment period – from 24 to 60 months;
• interest rate – 16.50% per year.

Car loan "Used car" provided for non-new cars not older than 8 years:

• initial payment – ​​from 0% to 90%;
• loan amount – from 100,000 to 2 million rubles;
• payment period – 12, 24, 36, 48, 60 months;
• annual rate – from 12.9% to 19.4%.

Car loan "Universal" issued according to an extended list of documents provided by the borrower. Tariff conditions:

• down payment – ​​20% – 90%;
• loan size – from 100,000 to 4,000,000 rubles;
• payment period – up to 36 months;
• interest rate – 16.5%.

Another condition is that cars issued on credit must be purchased from a company dealer. But this will not be difficult to do, since Cetelem cooperates with many large car dealerships in Russia.

Interest rate

The interest rate on a car loan at Cetelem Bank is fixed. Its size is determined primarily by the condition of the car if a new vehicle is purchased. So,

• the annual interest on a loan for a foreign car 8 years old will be about 19% ;
• the rate on a new car will be no more than 16% .

Is it possible to register with state support?

Many clients are interested in the question: is it possible to get a car loan with state support from Cetelem Bank today? Yes, there is such a possibility. In 2018, the organization offers two programs with government subsidies:

• "First car"- provided provided that the borrower did not previously own a personal car.
• "Family Car"- Issued to families with two or more children.

Basic conditions for the programs:

• down payment - from 20%;
• grant period - up to 5 years;
• the cost of the car is up to 1,450,000 rubles.

A prerequisite for participation in the “Car Loan with State Support” program is that the borrower has a driver’s license.

Filing an application

Applying for a loan for the purchase of a passenger vehicle is carried out according to the following instructions:

1. Select your favorite car from the dealer showroom.
2. Approach a loan officer and discuss basic issues.
3. Submit your documents.
4. Make a down payment.
5. Sign the purchase and sale agreement.
6. Sign a loan agreement with the bank.
7. Pick up your vehicle.

A distinctive feature of applying for a car loan in Cetelem is that the entire process takes place in the personal presence of the client, without the possibility of submitting a preliminary online application.

Required documents

To obtain a loan from Cetelem Bank, the user must prepare the following documentation:

1. civil identity card (Russian passport);
2. second document (optional) – driver’s license, international passport, TIN certificate, etc.;
3. act confirming income (certificate 2-NDFL);
4. SNILS insurance certificate;
5. military ID (for men under 27 years old).

Cetelem Bank: early repayment of car loan

Cetelem Bank always meets halfway requirements for its clients, and if the borrower decides to repay his loan ahead of schedule, then this is possible. Moreover, early repayment of the entire debt on a car loan is not subject to taxes and additional commissions.

How to get back insurance on a Cetelem Bank car loan if you repay the debt early?

In accordance with the law, the policy can be canceled within five days from the date of its issue. In a situation with early repayment, it will not be possible to return the insurance.

What is the refinancing rate?

Car loan refinancing is not currently available at Cetelem Bank.

The bank was registered in 1992 in Saratov. In 2005, 51% of the bank’s shares were purchased by the French group BNP Paribas; in 2012, Sberbank acquired 70% of the credit organization’s shares. Today, Cetelem Bank is a joint financial institution of the French BNP Paribas, which retains 21% of the shares, and the largest Russian bank (79% of the shares). Cetelem Bank received its current name in 2013.

The main area of ​​activity is issuing loans to individuals, including for the purchase of cars in car dealerships and various goods in stores (the bank acts as a partner of many retail chains).

Car loan from Cetelem Bank

You can purchase a car on credit directly at the dealership where you purchase the car. The application is submitted to a loan specialist. Within an hour after completing the application and submitting the documents, a response will be received. Immediately after this, the client can make the required down payment, sign a purchase and sale agreement, apply for CASCO insurance and leave the dealership in his own car.

You can buy on credit both new and used cars of foreign or domestic production.

Clients have the opportunity to apply for a loan under the Express program - they only need two documents plus a military ID for men. There is also a “Classic” program, within which it is necessary to provide a more complete package of documents, including information about employment and income.

Lending terms

The loan is targeted. The bank has several tariff plans for clients wishing to purchase a car. The most favorable conditions can be obtained by applying for CASCO insurance for the entire loan period, as well as by purchasing cars of certain brands with which the bank has partnership agreements (Hyundai, KIA, Porsche, Bentley and Lamborghini, Subaru, Lifan, Geely and others).

The collateral for any loan is the purchased car (you must sign a pledge agreement in favor of the bank).

Used car

You can purchase a foreign car (with the exception of cars from Chinese manufacturers) no older than 7 years or a domestic car no older than 3 years. The age of the car is determined on the date of the loan according to the title data.

Loan amount from 100,000 rubles to 2 million rubles (half a million rubles less under the Express program).

The down payment amount ranges from 0 to 90%. Loan terms are 12-60 months, in multiples of 1 year. The rate for a loan based on two documents starts from 15.4%, with the provision of all documents – from 12.9%.

You don’t have to apply for CASCO insurance, but then the rate will increase by 2%, and the maximum loan amount will decrease to 1.5 million (up to 1 million under the Express program).

New car

Loan conditions differ for foreign and domestic cars.

Foreign cars: you can borrow from 100,000 rubles to 4 million, the minimum down payment is 20%, loan terms from 24 to 60 months, in multiples of 12 months. The rate is 16.5%.

Domestic cars: amount from 100,000 rubles to 3 million, a minimum deposit of 25% is required, loan terms are 24-60 months, the rate is 18.2%.

When express lending using two documents, the maximum loan amount is halved; for domestic cars, the amount of the minimum down payment increases by 5%, the rate does not change.

Special conditions apply for premium cars: amount from 850,000 rubles to 8 million (or 5 million for two documents). Loan terms are 3-5 years. Down payment from 20%. The rate is 15.9% (with a down payment amount of 50% or more, the rate is reduced by 1 point).

Requirements for the borrower

• Availability of Russian citizenship.
• Age from 21 to 75 years (maximum at the end of the loan agreement).
• Permanent registration in the region where the bank has an office.

List of required documents

• Passport of a citizen of the Russian Federation.
• Driver's license, international passport, SNILS or INN - your choice.
• Men under the age of 27 present a military ID.
• A copy of the work record, certified by the employer.
• Certificate 2-NDFL or certificate of income according to the employer’s form.