12 best banks for car loans
Every third Russian borrower uses the car loan service, and this is not surprising. With such a financial product, it is not necessary to postpone buying a car for an indefinite period, save money or re-borrow them from friends and acquaintances. Having received a positive response to the application and completing the contract, on the same day you can get behind the wheel of the selected car. Features of such a loan can be described as follows:
- Pledge always acts purchased vehicle. A large percentage of approvals are explained by the fact that the bank at any time if the terms of repayment are violated can realize the property, in this case the auto.
- A prerequisite for the contract is making a down payment. But today you can find offers without this item, but with an increased loan interest.
- The amount is transferred directly to the seller, so the borrower can not spend money for other purposes.
- The requirement of the bank is the existence of a CASCO insurance policy, the cost of which can be immediately included in the requested loan amount.
- An individual acquires a non-profit vehicle for their own use.
- Greater competition in the market leads to the loyalty of banks to customers and the mitigation of credit conditions. This could include a pledge of not purchased cars, but other property, 0% down payment, express loan for quick receipt of funds in their own possession, factoring.
- Almost all financial institutions offer car loan service. At first glance, the conditions are clear everywhere, payments and interest are transparent. But pitfalls can also lurk, and when concluding a contract, the client is surprised to find out the final cost of the loan, which is an order of magnitude different from the expected one.
Our list includes 12 best banks that offer optimal credit conditions for both new and used cars. This is confirmed by borrowers and financial analysts. If you still do not know with which organization to cooperate, then pay attention to the banks represented in the rating.
Rating of the best banks for car loans
| Nomination | a place | Name of product | rating |
| Rating of the best banks for car loans | 1 | Tinkoff Bank | 5.0 |
| 2 | Uralsib | 4.9 | |
| 3 | VTB | 4.8 | |
| 4 | Expert Bank | 4.7 | |
| 5 | Europe Bank | 4.6 | |
| 6 | LokoBank | 4.5 | |
| 7 | Bank "Saint-Petersburg | 4.4 | |
| 8 | UniCredit Bank | 4.3 | |
| 9 | Bank of Moscow | 4.2 | |
| 10 | Sberbank | 4.2 | |
| 11 | Bank of Russia | 4.1 | |
| 12 | Setelem Bank | 4.0 |
Tinkoff Bank
Rating: 5.0
The leader is becoming a popular bank among the population, which offers simple conditions for obtaining a loan and profitable programs. The car will be in use immediately after the conclusion of the contract. It is enough to send a request via the Internet, get a confirmation and choose a vehicle. After it is checked by employees of a financial institution, the money immediately goes to the card. The car is purchased without the participation of the bank. The borrower sends copies of the documents confirming the purchase for registration as a pledge. Office visits are not required, as the bank does not have its own branches, but works through an agent network. The courier brings the card to the specified address where the contract is signed.
The maximum loan amount is 2,000,000 rubles. Term - up to 60 months.Collection of references is not required. The client must provide only a passport of the Russian Federation and a valid driver's license. The interest rate starts at 9.9%. Down payment is optional. In the presence of own funds added to the loan, the conditions become more profitable.
According to reviews, this is the best bank where the procedure for obtaining a car loan is facilitated. You can consult with experts around the clock. Free phone for all regions of the Russian Federation: 8800551 17 43.
Uralsib
Rating: 4.9
Silver rating - from the bank, which has developed several profitable programs of car loans for individuals. With their help, you can buy new or used foreign cars or vehicles without a run of domestic production. The interest rate is set at 9.9% per annum. The maximum cost of cars - 3000000 rubles. The contract may be concluded for up to 5 years.
The main conditions of the bank: the borrower must be 21 years old, he must be a citizen of the Russian Federation registered in the region where the financial organization is located, and have work experience in the last place for at least 3 months. Only the selected vehicle is accepted as a security deposit without replacing it with another property. The initial payment on all tariffs is the same and amounts to 20%. All loans are issued without guarantors and additional fees.
According to the reviews, the bank provides the most optimal conditions for the purchase of new vehicles at partner showrooms. Many are satisfied with the cooperation with the bank. At the conclusion of the contract did not appear hidden payments. Customers noted that Internet banking is very convenient for tracking account balance and paying monthly installments online. Contact phone number: 8800250 57 57.
VTB
Rating: 4.8
In third place is the ranking of the largest financial institution, which is chosen for reliability and stability. It provides a wide range of credit services, including the purchase of cars. Branches of the bank are located throughout Russia. Requirements for the borrower are standard: the presence of a passport of the Russian Federation, age of 21 years, work experience in last place of 3 months. There is a lot of tariffs, so you can always choose the most suitable.
Popular car loan "Freedom of choice." It is issued for the purchase of foreign vehicles. It can be new and used cars. The contract is for a period of 1 to 5 years. The rate is 8% per annum. When submitting a certificate of income verification, the down payment is up to 19% (can be reduced to 0%), without it up to 20%. The loan amount varies from 100,000 to 3,000,000 rubles. Without insurance policy - up to 1.5 million rubles.
Purchased cars remain pledged to the bank. Clients have identified a convenient online filing of an application, a fairly quick decision making and execution of a contract, various loan options that are most beneficial for the borrower. Phone for more information: 8800100 24 24.
Expert Bank
Rating: 4.7
On the fourth line of the ranking is a financial institution, which helps to fulfill the dream and buy a car for profitable lending programs. The application is sent via the website or executed in the bank branches. With a positive decision, the client provides two documents confirming the identity. Inquiries about wages and guarantors will not be required. The pledge is purchased cars.
The interest rate is calculated based on the individual assessment of the borrower and starts at 9.67% per annum. Cars can be both used and new. Mandatory availability of a CASCO insurance policy is not required. Making a down payment is optional. The exception is if the client himself wants to use his own funds and add them to borrowed funds. For preliminary calculation, an express calculator is provided on the official website of the organization.
All respondents spoke highly of the bank's offers.Among them, each picked the best for themselves. The undoubted advantage of many considered the extended term of the contract: a loan can be issued for 7 years. A free call for all Russian telecom operators is available at: 8800333 31 31.
Europe Bank
Rating: 4.6
Europe Bank ranks fifth in the ranking among financial institutions that provide the best conditions for car loans. The interest rate starts at 10.87. Reduced age limit to 18 years. The maximum loan amount allows you to purchase business class cars at a price of up to 6,000,000 rubles. After making a positive decision, the borrower must provide a package of documents, which includes a passport of the Russian Federation, a driver's license and an income certificate.
Loan term - up to 5 years. The key is the selected vehicle. Payments are made in equal installments for the duration of the contract. Down payment is required. It is 30% regardless of the tariff. Cars, you can choose domestic or foreign in the secondary market, and you can be new without a run from authorized dealers.
According to reviews, approval is received by a large percentage of borrowers. Although the bank makes increased demands, it also offers favorable conditions. Many people liked that this is one of the few institutions where you can get a car loan from the age of 18 and not from the age of 21. Borrowers have noted a simple clearance procedure, clear contractual obligations without hidden fees. Detailed information about the proposed car loan programs can be found at the number: 8800700 77 75.
LokoBank
Rating: 4.5
The sixth place in the rating is given to the bank, which offers a variety of financial products, including car loans. Interest rate is profitable and ranges from 10.4%. Tariffs provide an opportunity to purchase a new or used car of Russian or foreign production. On a vehicle without a run, you can get an amount of up to 5,000,000 rubles. The repayment period will be up to 7 years. Provided by the purchased car.
Bank conditions: citizenship of the Russian Federation, age not younger than 21 years, permanent registration, total work experience not less than 1 year and at the last place of work not less than 4 months. Repayment is made by annuity payments. With the early closing of the loan additional fees are not charged. The borrower can choose a program in which the design of the CASCO policy is optional. In it, the amount is limited to 2,000,000 rubles. and increases the loan rate.
According to the respondents, the bank has developed interesting tariffs that satisfy different categories of citizens. The borrower can provide a standard package, and can only two documents for the conclusion of the contract. Making monthly payments is possible in various ways, which is also a definite plus for customers. Telephone for feedback from the operator: 8800250 50 50.
Bank "Saint-Petersburg
Rating: 4.4
Lower interest rates are offered by the bank, located on the seventh line of our rating. Calculate the cost of car loans can be in the online calculator. The minimum rate is 8.88% per annum. It is provided to borrowers when purchasing a car from partner companies of a financial institution. The loan amount ranges from 60,000 to 4,000,000 rubles. Return of borrowed money can be up to 7 years.
Requirements for clients are as follows: age of 21 years, citizenship of the Russian Federation, experience of at least 3 months at the last place of employment. The selected vehicle is pledged as security deposit. To collect certificates of income and employment confirmation is not necessary, they will not be required. Registration of a voluntary CASCO policy is mandatory in all loan programs.
The initial installment is provided for 10% in the package "Light" and 15% - in the "Pro Run". Internet banking is very convenient for paying off monthly payments online. Customers appreciate favorable terms.Many noted the quick response to the application and design, the possibility of acquiring used and new cars, as well as the maximum assistance of employees in choosing the best package. Telephone for feedback: 8800222 50 50.
UniCredit Bank
Rating: 4.3
A worthy eighth place in the rating is given to a bank with an impeccable financial reputation. It provides an opportunity for everyone who applies for a car loan to choose the most profitable and optimal, so many, regardless of income level, cooperate with this institution. The bank offers up to 8,000,000 rubles for the purchase of a car, which is a definite plus for borrowers who want to purchase a high-class facility.
The application is considered within half an hour. After confirmation, the borrower provides a minimum package of documents. Tariffs are very diverse. They include new and used cars. An express loan will allow you to leave the selected car on the day of signing the contract. Special programs will help to get a car of certain brands for use on very favorable terms. Details of the proposal can be found on the organization's website.
The minimum rate starts from 10.8% per annum. You must make a down payment of 20%. According to the respondents, this is one of the few banks with advanced programs that customers choose to purchase inexpensive used cars from the domestic auto industry and status cars of the business class. To find out all the offers of UniCredit Bank, just dial the phone number: 8800200 73 00.
Bank of Moscow
Rating: 4.2
"Bank of Moscow" - on the ninth line of the rating. He was identified by many respondents, as he provides free legal and credit assistance in case of any questions. Tariffs will satisfy the majority who applied to this financial institution. Interest rates depend on the individual assessment of each client. The minimum is 9.9% per annum. To use such a package, you must meet the following conditions: a down payment of 25%, a purchased car is a foreign car with an assembly in Russia, an average income level and the provision of a guarantee.
In the other tariffs, the rate is higher, but the requirements are much smaller. There are programs without compulsory CASCO insurance or no down payment, there are packages for the purchase of new or used vehicles. The car becomes a mortgage for the entire term of the contract.
According to analysts, this bank is suitable for people with middle and high incomes, and today more than 40 favorable tariffs have been developed for them. Calculate the preliminary cost of the loan can be in the calculator online. You can call the bank around the clock on weekdays, weekends and holidays by calling: 8800333 88 93.
Sberbank
Rating: 4.2
Those who prefer stability and financial security choose car loans in the country's largest bank. Sberbank ranks tenth in our rating. Interest rate starts at 13.5. It is available for payroll or pension card holders. The maximum approved amount is 5000000 rubles. It can be new or used cars of domestic or foreign brands. The contract is for up to 5 years.
The application can be issued in the offices or online on the official website. Down payment is required in all programs provided. It is at least 15%. No commission fees after approval and issuance of the loan is charged. The bank offers various conditions from which each will choose the most advantageous.
So, the higher the down payment, the smaller the package of documents, and even with the maximum amount of a certificate of wages is not required. Many customers noted a convenient option, in which you can first get a positive response to the application, and then within 90 days choose a car. It is possible to familiarize with all tariffs and offers on a site or to learn about them by number: 8800555 55 50.
Bank of Russia
Rating: 4.1
The eleventh place in the rating is given to the bank, which has developed several successful auto loan programs. They allow different categories of citizens not to save money on a car, but to purchase it at competitive rates. The bank took into account the possibilities of all borrowers. For example, public sector employees may receive a loan worth from 11.5% per annum. If it is issued without CASCO insurance, the rate increases to 16%. The maximum amount on all tariffs - 5000000 rubles. The client chooses cars without run or used Russian or foreign production.
The application is sent via the Internet or made in the office. If approved, the contract is concluded in a short time. The borrower must provide an income statement. The minimum down payment is 20%. The loan repayment period is up to 60 months.
Many noted that the bank provides an opportunity for regular customers and holders of payroll cards to get a bonus when making out and use a discount of 0.5%. Borrowers have confirmed that there are no additional payments and fees. The amount calculated before the conclusion of the contract does not increase at the time of its signing. All offers can be found on the site. Contact phone number: 8800100 11 11.
Setelem Bank
Rating: 4.0
The rating is completed by a financial institution that allows borrowers to choose a favorable rate for a car loan. The rate starts at 8.31%. It can be used if you purchase a vehicle from partner companies. The standard rate for other tariffs is 12.6% per annum. The maximum amount is not limited and depends on the client's solvency and the brand chosen by him. For repayment of the loan is given a period of 12 to 60 months.
The application can be sent via the Internet resource. Registration of the contract is available directly at the car dealership. The borrower will need a passport of the Russian Federation and a second identity document to choose from. Payments are made monthly in equal parts. Early repayment is possible without fines and fees.
Requirements for the borrower are standard: age over 21 years old, Russian citizenship, permanent registration. The initial payment is made in the amount of not less than 20% of the amount. The presence of a policy of voluntary insurance CASCO required. Customers noted a convenient service, quick decision making. Especially was allocated an unlimited amount that can be used to purchase expensive foreign cars. For all questions you can contact by phone number: 8800500 55 03.
Attention! This rating is subjective, is not advertising and does not serve as a guide to the purchase. Before buying, you should consult with a specialist.
