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Credit Europe BankCash loan from Sovcombank
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About the loan
With a consumer loan, you can make an expensive purchase, pay for treatment or education without saving money for several months or years. Now banks offer quite favorable lending terms. Including Sovcombank — you can get up to 30 million RUB for a term of up to 180 months at rates starting from 14.9% per annum.
Terms
At Sovcombank, you can get a consumer cash loan from 300 thousand to 30 million RUB for a term of 12 to 180 months. The minimum possible interest rate on the loan, subject to life and health insurance, is 14.9% per annum. The maximum overpayment can reach 32.5%.
Borrowers who meet the following requirements can apply for a consumer loan at Sovcombank:
- are citizens of the Russian Federation;
- have permanent registration within the territory of Russia;
- aged 18 to 85 years old;
- have a work history at their current employer of at least 4 months for individuals.
To apply for a loan at Sovcombank, you only need to provide a Russian internal passport. However, the bank may additionally request documents confirming income and employment.
Pros:
- large loan amount – up to 30,000,000 RUB;
- long loan term – up to 180 months;
- low minimum interest rate – 14.9% per annum;
- can be applied for with just one document;
- option to apply online.
Cons:
- high maximum interest rate – 32.5% per annum;
- life and health insurance is required to obtain the minimum interest rate;
- the bank may request documents confirming income and employment.
How to apply
You can apply for a loan at a Sovcombank branch or online on the bank's official website. In the first case, you need to visit the credit institution's office with the required documents (we will discuss them below). To apply online, you need to:
- go to the Sovcombank website;
- click the "Submit application" button;
- enter your last name, first name, patronymic, date of birth, mobile phone number, region of residence, and email address, and check the box;
- click the “Send” button;
- enter the confirmation code from the SMS message.
After you submit your application, a Sovcombank specialist will contact you.
Rates
at Sovcombank ATMs;
at Sovcombank cash desks;
at Russian Post branches and so on
Calculator
Answers to questions
Where can I find out the monthly payment amount?
After signing the agreement, the borrower is given a document outlining the amounts and dates. You can also find out the payment date in your Personal Account, via the mobile app, or by calling 8-800-200-66-96. You can also visit an office.
What amount can I expect?
To find out the approximate amount, use the calculator. The available loan amount will be announced by the loan officer after reviewing the application.
From which card can I repay the loan?
To settle your debts, you can use any card.
I am not satisfied with the interest rate, can it be reduced?
Yes, you can. To do this, you need to activate the "Minimum Rate Guarantee" service.
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