Car-secured cash loan from T-Bank

At T-Bank, as with any other lending institution, early loan repayment is available. To close a loan ahead of the schedule specified in the credit agreement, you must repay the principal amount of the debt and the interest accrued for the actual period the credit funds were used.

To close a consumer loan early, you must notify the lender of your decision in advance. Otherwise, the bank will only debit the monthly payment on the due date.

If the borrower misses a monthly payment, the bank charges a penalty. Its amount is 0.1% of the overdue debt amount. In addition to the fine, a prolonged delinquency can lead to a deteriorated credit history, a demand to close the loan early, as well as the lender filing a lawsuit and recovering the debt through bailiffs.

T-Bank does not impose special requirements on its borrowers. To get a loan here, you must meet the following criteria:

• have citizenship of the Russian Federation;
• have permanent or temporary registration in Russia;
• be between 18 and 70 years old.

T-Bank also imposes requirements on the collateral vehicle:

• A vehicle in working condition and no older than 15 years can be provided as collateral.

• The car must be registered with the State Traffic Safety Inspectorate (ГИБДД) and insured under CTP (OSAGO).
• The vehicle must have a Vehicle Registration Certificate (STS), an identification number (VIN) or a body number.

To apply for a car-secured loan, it is enough to provide only the passport of a citizen of the Russian Federation and the vehicle registration certificate. If necessary, T-Bank may also request certificates confirming income and employment.

T-Bank credits the consumer loan to its own debit card. If you don't have one, the lender automatically issues a Black card for free and delivers it by courier to your home or any other convenient address along with the credit agreement.

Repayment of the consumer loan occurs through the automatic debiting of monthly payments from the bank card to which the borrowed funds were transferred. And you can top up the card in any convenient way:

• at ATMs of T-Bank, partner banks, and third-party credit organizations;
• by transfer between your own accounts;
• by transfer from cards of other banks.

Abbreviated name: JSC "TBank"

Tax ID (INN): 7710140679

BIC: 7710140679

KPP (TAX REGISTRATION REASON CODE): 771301001

CORRESPONDENT ACCOUNT: 30101810145250000974

OGRN (PRIMARY STATE REGISTRATION NUMBER): 1027739642281