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Credit Europe BankExpress loan at VTB
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Articles about loans
About the loan
Express loans from banks are a good alternative to microloans. Thanks to these lending programs, borrowers can quickly get a small amount on their card using just a passport. You can apply for an express loan at a limited number of banks, such as VTB. Here, borrowers can get up to 100,000 RUB for a term of up to 5 years.
Terms
At VTB, borrowers can get an express loan from 30,000 to 100,000 RUB for a term from 6 months to 5 years. A feature of this loan is fixed payments, which depend on the amount and term.
|
Monthly payment |
5 years | 4 years | 3 years | 2 years | 1 years | 6 months |
|
30,000 RUB |
1,000 RUB | 1,100 RUB | 1,300 RUB | 1,700 RUB | 2,900 RUB | 5,400 RUB |
|
40,000 RUB |
1,300 RUB | 1.4 thousand RUB | 1,700 RUB | 2.2 thousand RUB | 3.9 thousand RUB | 7.3 thousand RUB |
|
50,000 RUB |
1.6 thousand RUB | 1.8 thousand RUB | 2.1 thousand RUB | 2.8 thousand RUB | 4.9 thousand RUB |
9.1 thousand RUB |
| 60,000 RUB | 1.9 thousand RUB | 2.2 thousand RUB | 2.5 thousand RUB | 3.4 thousand RUB | 5.8 thousand RUB |
10.9 thousand RUB |
| 80,000 RUB | 2.6 thousand RUB | 2,900 RUB | 3.4 thousand RUB | 4.5 thousand RUB | 7.8 thousand RUB |
14.5 thousand RUB |
| 100,000 RUB | 3.2 thousand RUB | 3.6 thousand RUB | 4.2 thousand RUB | 2.6 thousand RUB | 9.7 thousand RUB |
18.1 thousand RUB |
VTB allows early repayment of an express loan on any day after signing the agreement. To close the loan ahead of the schedule date, you must repay the principal amount and the interest accrued for the actual period of using the funds.
For late monthly payments, VTB charges a penalty. The penalty rate is 0.1% per day of the overdue total debt amount and interest accrued for using the funds.
Borrowers meeting the following requirements can apply for an express loan at VTB:
- citizenship of the Russian Federation;
- aged from 18 years at the time of application up to 70 years at the expected maturity date of the loan agreement;
- having a regular income of at least 5 thousand RUB after taxes.
To get an express loan from VTB, providing only a passport of a citizen of the Russian Federation is sufficient. At the same time, the bank reserves the right to additionally request documents confirming income and employment.
You can receive an express loan in cash at a VTB branch or to a debit salary card.
Monthly payments are automatically debited from an account opened with VTB. You can top it up using the following methods:
- by transfer between your own accounts opened with VTB;
- by transfer from cards of other banks;
- in cash via VTB ATMs;
- in cash via VTB cash desks;
- in cash at Russian Post branches, and so on.
Short name: VTB Bank PJSC
Tax status: 7702070139
BIC: 044525187
KPP: 783501001
Correspondent account: 30101810145250000411
OGRN: 1027739609391
How to apply
You can apply for an express credit exclusively online — via internet banking or the mobile app. To do this, you need to:
- click the "Apply" button on the website page featuring the credit;
- specify the desired credit amount and term, check the necessary boxes, and provide a mobile phone number;
- check the box and click the "Continue" button;
- enter the confirmation code from the SMS message;
- click the “Continue” button.
In case of a positive preliminary decision on the application, you will need to visit a VTB branch to finalize the credit.
Rates
to a debit card
by transfer from cards of other banks;
in cash via VTB ATMs;
in cash via VTB cash desks;
in cash at Russian Post branches and so on
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