Best used car loans

5 best used car loans

Bank name	Loan amount	Loan term	Interest rate
VTB	from 300,000 to 10,000,000 RUB	from 1 year to 7 years	from 19.1% per annum
Uralsib	from 300 thousand to 8 million RUB	from 1 year to 10 years	from 16.4% per annum
Gazprombank	from 500,000 to 7,000,000 RUB	from 13 months to 8 years	from 11.9% per annum
Sovcombank	from 100 thousand to 3 million RUB	from 18 to 60 months	from 14.9% per annum
Zenit	from 100 thousand to 10 million RUB	From 24 to 120 months	from 21.5% per annum

 

VTB

• loan amount: from 300 thousand to 10 million RUB;
• loan term — from 1 year to 7 years;
• interest rate: from 19.1% per annum.

19.1% per annum is the minimum interest rate when purchasing additional services.

VTB imposes the following requirements on borrowers:

• hold citizenship of the Russian Federation;
• permanent registration and actual residential address in the region where the bank operates;
• age from 21 to 75 years by the date of full loan repayment;
• having a work record at your current job of at least three months, and a total work record of at least one year;
• average monthly income of at least 20,000 RUB for Moscow and the Moscow region, and at least 15,000 RUB for other regions of Russia;
• at least two contact phone numbers.

The minimum document package includes:

• passport of a citizen of the Russian Federation;
• second document of choice: international passport, driver's license, military ID, official ID.

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Uralsib

• loan amount: from 300 thousand to 8 million RUB;
• loan term — from 1 year to 7 years;
• interest rate: from 16.4% per annum.

This rate applies when purchasing the "Personal Insurance" service. In other cases, it will be 19.8% per annum.

Pochta Bank imposes the following requirements on borrowers:

The minimum document package includes:

• passport of a citizen of the Russian Federation;
• second document: international passport, driver's license, official ID, or military ID.

Gazprombank

• loan amount: from 500 thousand to 7 million RUB;
• loan term: from 13 months to 8 years;
• interest rate: from 11.9% per annum.

The minimum rate is only available when purchasing the rate reduction service. Otherwise, it will range from 23.9% to 29.9% per annum.

Gazprombank sets the following requirements for its borrowers:

• hold citizenship of the Russian Federation;
• having permanent or temporary registration within Russia;
• age from 20 to 70 years by the date of full loan repayment. 

The minimum document package includes:

• passport of a citizen of the Russian Federation;
• document confirming income.

Sovcombank

• loan amount: from 100 thousand to 3 million RUB;
• loan term: from 18 to 60 months;
• interest rate — from 14.9% per annum.

The bank provides the loan only to the Halva card. If you do not have one, Sovcombank will issue it for free.

The bank imposes the following requirements on borrowers:

• hold citizenship of the Russian Federation;
• permanent registration for at least the last 4 months in a single locality of the Russian Federation;
• age from 18 to 85 years;
• employment history at the current job of at least 4 months.

The minimum document package includes:

• passport of a citizen of the Russian Federation;
• passport and vehicle registration certificate.

Zenit

• loan amount: from 100 thousand to 10 million RUB;
• loan term: from 24 to 120 months;
• interest rate: from 21.5% per annum.

Zenit imposes the following requirements on borrowers:

• hold citizenship of the Russian Federation;
• permanent registration or place of residence in Russia.

The minimum document package includes:

• passport of a citizen of the Russian Federation;
• driver's license.

Let's sum it up. Getting a car loan for a used car is not difficult — some banks do not even require income verification. However, almost every institution makes it mandatory to purchase financial protection for both the vehicle and the borrower. Without insurance, banks significantly increase the loan overpayment.