Cash loan at Pochta Bank

At Pochta Bank, as anywhere else, you can close a loan early without any commissions or penalties. To do this, you need to pay the principal debt and the interest accrued for the actual period of using the borrowed funds.

For early repayment of a cash loan, you must notify the lender of your intention in advance. Otherwise, on the specified date, the bank will only debit the monthly payment amount. 

For late payment of the monthly installment, Pochta Bank charges a penalty. Its amount is 20% per annum of the overdue debt amount. In addition to the fine, the borrower will also need to pay interest.

Pochta Bank issues consumer loans to borrowers who meet the following criteria:

• Russian citizenship;
• with permanent registration in any region of Russia;
• aged 18 and older;
• with a work experience of at least 3 months at their current job.

As for documents, to apply for a consumer loan, you only need to provide a Russian internal passport and SNILS. If necessary, Pochta Bank may additionally request certificates confirming income and employment.

You can receive a consumer loan in the following ways:

• in cash at a Pochta Bank cash desk;
• by transfer to a bank card;
• in cash delivered by courier to your home.

Consumer loan repayment occurs through automatic debiting of the required amount from a bank card. You can top it up in any convenient way:

• in cash at Pochta Bank and VTB cash desks and ATMs;
• by transfer between your own accounts;
• by transfer from cards of other banks.

Short name: JSC "Pochta Bank"

Tax ID / INN: 3232005484

BIC: 044525214

KPP (TAX REGISTRATION REASON CODE): 771801001

CORRESPONDENT ACCOUNT: 30101810245250000214

OGRN: 1023200000010