Rusfinance Bank car loan calculator. Car loan details from Rusfinance Bank
Rusfinance Bank belongs to the international financial group Societe Generale, which has been in existence for more than 150 years. Branches are open in many cities (Samara, Rostov-on-Don, Volgograd, Chelyabinsk). We offer a large selection of car loan programs for the purchase of foreign and domestic cars. Borrowers can count on additional bonuses when completing a transaction; the bank directly cooperates with the largest dealership centers throughout the country.
Advantages of a car loan at Rusfinance Bank
Applying for a car loan at Rusfinance Bank has a number of undoubted advantages.
- Possibility of obtaining a loan using two documents.
- No commission for early loan repayment.
- The costs of obtaining a CASCO policy can be included in the amount of the main loan.
- The online calculator on the bank’s website allows you to independently calculate the optimal payment schedule and select a profitable car loan program.
- Availability of programs for the purchase of both used and new cars of domestic or foreign production.
- Possibility of concluding a loan agreement even if clients do not have a driver’s license.
- When calculating solvency, the income of the borrower's spouse may be taken into account.
- The cost of additional equipment can also be included in the loan amount (the only condition is that the cost of the equipment should not exceed 30% of the price of the car).
- Quick processing of applications - on average, the waiting time does not exceed half an hour.
- Several debt repayment options.
- Regularly held promotions and special offers.
To apply for a car loan at Rusfinance Bank, you don’t have to look for the nearest branch and stand in line. You can draw up a contract directly at the car dealership. You must have documents with you confirming your solvency.
Once the car is selected, the bank consultant will draw up an individual offer, which is valid for 100 days for new cars and 30 days for used cars.
Requirements for the borrower
Rusfinance Bank is quite loyal to borrowers. Citizens who meet the following requirements can count on approval of their application:
- age – no less than 23 and no more than 65 years (age is calculated based on the date of the last loan payment);
- confirmed solvency - income must be displayed in a certificate in the form of 2-personal income tax or in a form in the form of a bank;
- availability of permanent registration in one of the regions where the bank operates (Rusfinance Bank has branches in Nizhny Novgorod, car loans are also available in other cities);
- length of service in the last month of work - at least 4 months (for new cars), 6 months (for used cars);
- having two contact telephone numbers (for example, home and mobile).
The list of conditions may vary, it all depends on the desired loan amount and its term, as well as on the characteristics of the selected car.
List of documents
Before applying for a loan, you need to attach the appropriate package of documents to your application.
- Identity card of a citizen of the Russian Federation (passport).
- The second document to choose from is a foreign passport, military ID, driver’s license, TIN certificate, pension certificate.
- If the car loan amount exceeds 800 thousand rubles, the bank will ask you to provide one or more additional documents confirming income - a certificate in the bank form or 2-NDFL.
Although applying for a car loan at Rusfinance Bank is possible with only two documents, providing an extended package has a number of advantages. A client who confirms his solvency has a much greater chance of approval of his application and a low interest rate on the loan.
Bank Rusfinance offers borrowers 4 main car loan programs and more than 30 special offers for certain car brands. The main programs look like this:
| Program | Amount of credit | Loan terms | Interest rate | An initial fee |
| "Fast and Furious" | Up to 6.5 million rubles | From 24 to 60 months | From 16 to 18% per annum | From 20% |
| "A great opportunity" | Up to 6.5 million rubles | From 12 to 60 months | From 14.5 to 18% per annum | From 20% |
| "Dvizh OK" | Up to 1 million rubles | From 24 to 60 months | From 15 to 26% per annum | From 20% |
| "Used car" | Up to 450 thousand rubles | From 24 to 60 months | From 15 to 26% per annum | From 30% |
The terms and conditions of these auto loans vary, and each offer is designed for the purchase of a vehicle with certain characteristics.
"Fast and Furious"
The program allows you to buy a new foreign-made car at a car dealership. An important condition is to take out a CASCO policy; the insurance premium can be included in the cost of the loan. Refusal to take out additional insurance is possible, but this will entail an increase in the interest rate. The purchased property serves as collateral for the loan. vehicle, passenger and commercial vehicles are available for purchase.
"A great opportunity"
This option is designed for the purchase of new products from the domestic automobile industry. The interest rate and loan term will depend on the size of the down payment (a large contribution allows you to get favorable conditions) and insurance. The offer is valid for Russian car brands GAZ, VAZ, AZLK, IZH, VIS, RAF, SeAZ, Bogdan, UAZ and GURAN.
"Dvizh OK"
The program was created for the purchase of foreign-made used cars. The age of the purchased car should not exceed 6 years; the transaction can be made at any car dealership where there is a representative of Rusfinance Bank. In this case, purchasing a car from private individuals is not possible.
"Used car"
The banking product is designed for the purchase of a used domestic car. A prerequisite is that at the time of full repayment of the loan, the car must be no more than 10 years old. The interest rate depends on the down payment and insurance - a CASCO policy will significantly reduce the annual interest rate. It is possible to purchase freight and passenger transport.
Special car loan programs of Rusfinance Bank
In addition to the main programs, Rusfinance Bank offers borrowers a car loan with an attractive interest rate. The low rate is due to the discount provided by the car manufacturer. Such programs allow you to buy a car of a certain brand; a list of available models is available at any car dealership. The most popular programs today are the following:
| car model | Loan terms | Maximum loan amount | An initial fee | Interest rate |
| Alfa Romeo (Alfa Romeo) | From 12 to 60 months | Up to 6.5 million rubles | From 30% | From 7.5 to 15.5% per annum |
| Chrysler, Jeep | From 1 to 5 years | Up to 6.5 million rubles | From 20% | From 6.5 to 14.5% per annum |
| Hyundai | From 1 to 5 years | Up to 6.5 million rubles | From 10% | From 6.8 to 9.9% per annum |
| KIA | From 12 to 60 months | Up to 6.5 million rubles | From 20% | From 11.5 to 17% per annum |
| Mazda | From 1 to 5 years | Up to 6.5 million rubles | From 20% | From 5.5 to 14.5% |
Conditions for granting loans under special programs are calculated individually. The interest rate will depend on the make and type of car, insurance coverage and the size of the down payment.
Rusfinance Bank welcomes early repayment of a car loan. No commissions or penalties are charged; the final loan amount and interest are accrued according to the loan repayment date.
Insurance programs
Bank Rusfinance offers clients several insurance programs; taking out one or more of them can significantly reduce the interest on the loan.
- CASCO insurance. The issuance of a policy is provided for by the legislation of the Russian Federation, according to which the borrower must insure the purchased car against the risks of damage and loss.
- Life and health insurance. Additional insurance, registration in most cases is not mandatory. If issued, the insurance premium is included in the loan amount.
- Program "Protection". This service involves registration of CASCO insurance and life and health insurance of the borrower. This service allows you to get special lending conditions - the bank reduces the annual interest rate and uses incentive pricing;
- "GAP insurance". With this program, the borrower can receive compensation for the difference between the original cost of the car and the amount of CASCO compensation in the event of its loss.
Repayment methods
On this page, the portal user can get acquainted with car loans that can be obtained from Rusfinance Bank. In the list of offers to the site visitor is available brief information for each product: maximum period and amount, interest rate, minimum down payment. Inside the card of each program you can see detailed current conditions for obtaining a loan. Including the financial institution’s requirements for a potential borrower: age, work experience, place of permanent registration, as well as a list of documents to be provided. In order to understand whether you have the opportunity to take out a car loan at this rate, you need to carefully read the above parameters. If there is a “Leave a request” button next to the program description, the user can save his time by using this service. When a client submits an application online, the bank communicates a preliminary decision by telephone.
“Gold” - loan for a foreign used car (used)
You know exactly what kind of car you need. Do you value comfort and practicality, place high demands on safety, and at the same time do not want to overpay?
Then, a used foreign car under the “Gold” car loan program is the best option for you.
Lending terms
Special offer from the Bank
| |
Loan currency | Loan rate (% per annum) |
|||
|---|---|---|---|---|---|
| 24 months | 36 months | 48 months | 60 months | ||
| from 50% or more | RUR | - | |||
| from 30% to 50% | RUR | - | |||
| from 20% to 30% | RUR | - | |||
| Insurance |
CASCO insurance, life and health insurance of the borrower for the entire term of the loan agreement, can be included in the loan amount |
||||
| from 50% or more | RUR | - | |||
| from 30% to 50% | RUR | - | |||
| from 20% to 30% | RUR | - | |||
| Insurance | |||||
| Agreements that the borrower is obliged to conclude in connection with a consumer credit (loan) agreement | |||||
| from 50% or more | RUR | - | |||
| from 30% to 50% | RUR | - | |||
| from 20% to 30% | RUR | - | |||
| Insurance | |||||
| Agreements that the borrower is obliged to conclude in connection with a consumer credit (loan) agreement | |||||
| from 50% or more without CASCO 2 | RUR | - | |||
| from 30% to 50% without CASCO 2 | RUR | - | |||
| from 20% to 30% without CASCO 2 | RUR | - | |||
| Insurance | |||||
| Agreements that the borrower is obliged to conclude in connection with a consumer credit (loan) agreement |
Pledge agreement, Life and health insurance agreement Application for opening a bank deposit |
||||
| from 50% or more without CASCO 2 | RUR | - | |||
| from 30% to 50% without CASCO 2 | RUR | - | |||
| from 20% to 30% without CASCO 2 | RUR | - | |||
| Agreements that the borrower is obliged to conclude in connection with a consumer credit (loan) agreement | |||||
Standard offer of the Bank
| Down payment amount (% of the cost of the car) |
Loan currency | Loan rate (% per annum) |
|||
|---|---|---|---|---|---|
| 24 months | 36 months | 48 months | 60 months | ||
| from 30% or more | RUR | ||||
| from 20% to 30% | RUR | ||||
| Insurance |
CASCO at the expense of the borrower's own funds or CASCO, at the request of the borrower, can be included in the loan amount for 1 year |
||||
| Agreements that the borrower is obliged to conclude in connection with a consumer credit (loan) agreement |
Pledge agreement, CASCO insurance agreement, Application for opening a bank deposit |
||||
| from 30% or more without CASCO | RUR | ||||
| from 20% to 30% without CASCO 2 | RUR | ||||
| Agreements that the borrower is obliged to conclude in connection with a consumer credit (loan) agreement |
Pledge agreement, Application for opening a bank deposit |
||||
| from 30% or more without CASCO 2 | RUR | - | |||
| from 20% to 30% without CASCO 2 | RUR | - | |||
| Insurance |
It is possible to include insurance premiums for life and health insurance of the borrower in the loan amount for the entire loan term |
||||
| Agreements that the borrower is obliged to conclude in connection with a consumer credit (loan) agreement |
Pledge agreement, Life and health insurance agreement, Application for opening a bank deposit |
||||
| from 30% or more | RUR | - | |||
| from 20% to 30% | RUR | - | |||
| Insurance |
GAP insurance can be included in the loan amount for the entire loan term. CASCO at the expense of the borrower's own funds or CASCO is included in the loan amount for the first calendar year |
||||
| Agreements that the borrower is obliged to conclude in connection with a consumer credit (loan) agreement |
Collateral Agreement, CASCO Insurance Agreement, GAP Insurance Agreement, Application for opening a bank deposit |
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| from 30% or more | RUR | - | |||
| from 20% to 30% | RUR | - | |||
| Insurance |
It is possible to include insurance premiums for life and health insurance of the borrower in the loan amount for the entire loan term. CASCO at the expense of the borrower’s own funds or CASCO is included in the loan amount for the first calendar year |
||||
| Agreements that the borrower is obliged to conclude in connection with a consumer credit (loan) agreement |
Pledge agreement, CASCO insurance agreement, Life and health insurance agreement, Application for opening a bank deposit |
||||
- Loans are issued in rubles
- Minimum loan amount 50 thousand rubles
- The maximum loan amount is 5,000,000 rubles
You can obtain detailed information about all car loan programs of Rusfinance Bank LLC by phone, as well as at the Bank's offices.
When repaying a loan for a new or used car through other credit organizations, payment systems, Russian Post charges a commission for transferring funds. In case of late payment of interest and repayment of the loan, the borrower is charged 0.1% of the amount of interest not paid on time and part of the outstanding loan debt for each day of delay. There are no other payments by the borrower under the consumer loan agreement.
1 - the program is valid for any car brands, except GAZ, UAZ, VAZ (without the "Lada Selection" certificate), VIS, AZLK, IZH, RAF, SeAZ, Bogdan, GURAN. The age of the car at the end of the loan agreement must be no more than 15 years.
2 — mandatory provision an assessment report for the loaned car and a photocopy of the license to operate appraisal activities organizations that issued the assessment report.