Additional services:

• CASCO insurance

  In accordance with the current legislation of the Russian Federation, the mortgagor (borrower) is obliged to insure the pledged property in its full value against the risks of loss and damage, unless otherwise provided by the bank's tariffs. You can include the CASCO insurance premium in the loan amount.

• Life and health insurance

  Unforeseen circumstances will no longer threaten the financial well-being of your family. In the event of an insured event, the loan will be repaid by the insurance company. The program operates 24 hours a day all over the world. You can be sure that you and your loved ones are protected for the entire loan term. Financial protection continues even in case of early repayment of the loan.

• Special comprehensive insurance program “Protection”

  The comprehensive “Protection” program is a reliable shield against financial risks. It includes CASCO and life and health insurance of the borrower. When this service is included in the loan amount, Rusfinance Bank uses incentive pricing and lowers the interest rate on the loan.

• GAP insurance

  The GAP insurance service allows the client to receive compensation for the difference between the original cost of the car and the amount of compensation under CASCO in the event of its loss.
  GAP (Guaranteed Asset Protection) insurance - “guarantee of maintaining the value of the vehicle” - a program that expands the range of insurance protection related to the operation of the vehicle that is the subject of collateral.

• Financial protection

  Insurance of pledged property against the risk of loss (Theft/Constructive loss) for an insured amount equal to the balance of the loan. Registration is possible for new cars of foreign and domestic production and used cars of foreign production.

By applying to Rusfinance Bank for a car loan, you will receive:

Benefit!
. Possibility to include CASCO insurance premiums in the loan amount.
. Large selection of loan programs for various groups of cars.
. No commissions for early repayment of the loan.
. Wide range of additional services.

Availability!
. The ability to take into account not only your own income, but also official spouse's income.
. Possibility to take out a car loan, even if no driver's license.
. Obtaining a preliminary decision on issuing a car loan according to 2 documents.
. Loan for commercial vehicles of any brand with a permissible weight of up to 3.6 tons
at the same interest rates as for cars.

Convenience!
. Possibility to obtain additional equipment on credit for up to 30%
from the cost of the car.
. Applying for a car loan directly at Rusfinance Bank partner car dealerships.
. Wide range of loan payment methods.

Car on credit

Rusfinance Bank offers to purchase a new or used car on credit on attractive terms. Among the advantages are a large selection of loan programs with car manufacturing companies, speed and ease of registration, a minimum of documents (passport + a second document of your choice: driver’s license, foreign passport, TIN certificate, insurance certificate of the state pension fund, military ID), no commissions and penalties for full or partial early repayment.

How to buy a car on credit

To get a car loan, there is no need to come to a Bank branch, stand in line, and then wait several days for the application to be reviewed. It is enough to come with the necessary documents to the showroom of the Bank's partner car dealer, choose the car you like and contact the Bank's credit consultant. The processing time for an application is 30 minutes. The validity period of the Bank's preliminary decision on approval of the application is 100 days for a new car and 30 days for a used car. At the borrower’s request, the loan amount can include CASCO insurance premiums, as well as life insurance for the first year or for the entire loan term.

QUESTION ANSWER:

Where can I get a car loan?

You can apply with documents:
. to a consultant at our partner's car dealership;
. to the regional branch of Rusfinance Bank.

Can I purchase a car on credit from a private person?

Yes it is possible. You can purchase a used car at car dealerships, car markets or from individuals. On the expiration date of the loan agreement, the age of a domestic car must be no more than 10 years, a foreign one - no more than 12 years.

How much can I borrow?

Depending on the terms of the lending program, you can get a loan from 50 thousand to 6.5 million rubles.

Is it necessary to have a driver's license to get a car loan?

No. Even if you don’t have a driver’s license, you can own a car, buy it as a gift for someone, etc., including taking out a car loan.

Can I not take out CASCO insurance?

Under the terms of the collateral agreement, you are required to take out a CASCO policy for the entire loan term, unless otherwise provided by the Bank’s tariffs. Rusfinance Bank offers the opportunity to include CASCO insurance in the loan amount, which will significantly reduce the burden on your budget.

Buying a car today is easier than ever. If you do not have the required amount for a new car or a used car, it is enough to apply for car loans from Volkswagen Bank RUS. Currently, a car loan at Volkswagen Bank RUS has the following conditions:

• interest rates 2020 - from 3.00% to 21.50% per annum;
• maximum return period - 7 years;
• the possibility of receiving funds without a down payment;
• issuing funds for new and used cars.

There are a total of 7 programs for different types of cars. You can apply for a car loan using two documents without proof of income.

How to find and apply for a car loan at Volkswagen Bank RUS using the website?

To get a car loan from Volkswagen Bank RUS, you need to go to the credit institution’s website. There you should study the conditions under which you can take out a car loan from Volkswagen Bank RUS, calculate the costs of repaying it using an online car loan calculator, and apply for the loan option with or without government support that suits you. Within 1-3 days, the bank will make a decision on your request and inform you. After this, you will need to sign a loan agreement, wait for the funds to be transferred to the car dealership or private seller and take the car. Persons with a bad credit history can get such a loan.

Russian Standard Bank has developed fast lending. You can take out a loan that is profitable for you with an acceptable interest rate. Let's take a closer look at the lending program.

"Sports and Extreme"

The loan is issued directly in the salon, the maximum loan term is 2 years, and the interest rate is 36% per annum. A loan is convenient if you lack a small amount before purchasing your car. The maximum amount of this loan is 300 thousand rubles.

"Light"

You can purchase both new and fairly used ones costing up to 450 thousand rubles. The down payment on this loan is at least 10% of the price of the car. The term of the “Light” program is up to 5 years, the interest rate is set at 12% per annum. There is a mandatory commission of 1% for each month of loan servicing.

"Light+"

The difference compared to the previous offer is the loan amount, the maximum is limited to 600 thousand rubles. The maximum term of emergency lending under this program is 5 years, the rate is 29% per annum.

"Available"

The maximum amount is limited to 500 thousand rubles, and the interest rate on the loan starts from 19% per annum. The maximum period is 5 years.

"One to one"

If you are not ready to make a down payment, you can get up to half a million rubles on credit. If you can make a contribution of 10% of the price, then a loan of up to 3 million rubles is available to you. The rate is 19% per annum. The purchase is carried out through the showroom, where the client will be offered both new and used cars.

For more information about loans in simple language, watch the video.

A loan from Russian Standard is not a cheap pleasure. A high interest rate, mandatory CASCO insurance and a possible commission for additional banking services - all this makes loans expensive. But there is a flexible approach to the client’s income and its confirmation.

Today, Russian Standard Bank has a unique practice of creating a credit history of clients, using a system for assessing the solvency of borrowers, and is a leader among private banks in Russia in terms of the volume of loans issued.

The number of loans issued has already exceeded the amount of 25 billion dollars, and under programs for issuing loans to the population, more than 23 million people have become bank clients!

What are the advantages of a car loan at Russian Standard?

There is a choice among ruble car loans, varying in terms, amounts and interest rates;

To purchase a car, you simply come to the car dealership, apply for a loan with an authorized representative of the bank, and the car is at your disposal;

Russian Standard Bank has a huge range of car loan offers.

Programs:

Car loan program “Sports and Extreme”: for fans of extreme sports. In addition to a car, you can purchase any type of transport - a moped, motorcycle, snowmobile, boat, etc. The loan is issued at any car dealership where there is an authorized car dealership employee or a bank agent.

For a loan amount of 10 thousand to 300 thousand rubles, the down payment amount is 10% of the cost of the equipment itself. At an interest rate of 36% per annum, the loan is issued for a period of one to two years. In addition, the borrower has the opportunity to repay the loan early without commission. To apply for a loan, you only need to provide a passport, a certificate of income is not required;

“Light” car loan program: for the purchase of both a new and used car. Under this program, for a loan amount from 50 thousand to 450 thousand rubles, the down payment amount is from 10% of the cost of the car. The loan is issued for a period of up to 5 years with an interest rate of 11.99% per annum.

In this case, car insurance is required, and a service fee is charged - 0.99% of the loan amount monthly. No income certificate is required. For example, a loan was issued in the amount of 250 thousand rubles for a period of three years, the first installment will be 25 thousand rubles, and the minimum monthly payment is 9,700 rubles.

The borrower has the opportunity to repay the loan early at any time. The list of car dealerships that provide loans is posted on bank websites;

“Light+” car loan program: at a car dealership, a loan is issued in one hour. To do this, you must provide a certificate of income, form 2-NDFL, or a bank form. The loan can be issued in an amount from 150 thousand to 600 thousand rubles for a period of up to 5 years. The down payment is paid in the amount of 10% of the cost of the car.

The interest rate will be 29% per annum. For example, if the cost of a car is 500 thousand rubles and the loan period is five years, the borrower deposits 50 thousand rubles and pays an average of 14,280 rubles monthly;

“Auto One to One” program: You can purchase a new domestic or foreign car. You can also purchase a used domestic car no more than five years old or a foreign car up to seven years old. The loan is issued in an amount of up to three million rubles.

There are no life insurance obligations, registration is simple and quick - come to the car dealership and get a car loan. You can make loan payments through ATMs, without commission. The bank does not charge a loan application fee, and repayment of the “Auto One to One” loan is possible at any time without penalties.

Moreover, there are no penalties for the first missed payment. I am pleased that there is no obligation to provide a certificate of income, guarantors, written consent of the spouse; registration is not required in the region where the loan is issued; permanent registration in any of the regions where Russian Standard Bank is located is sufficient. The benefit of a ruble loan is that there are no foreign exchange costs.

What do you need to know when applying for a car loan at Russian Standard?

Your age should not exceed 65 years, but should not be younger than 25 years;

Mandatory possession of a general passport of the Russian Federation, as well as permanent registration at the place of residence in Russia ();

Mandatory registration of the employing company (or its representative office, branch) or PBOLE in the region in which you live;

You have a home phone (personal, perhaps the phone of your immediate family - for example, children, parents) and a landline work phone (personal, secretary or HR department).