Best auto loans for new cars

5 best auto loans for new cars

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
Gazprombank	from 500,000 to 7,000,000 RUB	from 13 to 96 months	from 11.9% per annum
T-Bank	from 100,000 to 8,000,000 RUB	from 1 year to 5 years	from 15.9% per annum
Credit Europe Bank	от 300 тысяч до 20 миллионов рублей	from 36 to 96 months	from 5.9% per annum
Drive Click Bank	up to 20 million RUB	up to 7 years	from 12.2% 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 loan rate when purchasing additional services. The base rate is 29.1% per annum.

Requirements for VTB Bank 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.

Required documents:

• 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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Gazprombank

• loan amount: from 500 thousand to 7 million RUB;
• loan term: from 13 to 96 months;
• interest rate: from 11.9% per annum.

The rate of 11.9% - 17.9% per annum is available only when purchasing the reduced rate service. In other cases, it is from 23.9% - 29.9% per annum.

Requirements for Pochta Bank borrowers:

• citizenship, permanent or temporary registration in the Russian Federation;
• age from 20 to 70 years;
• work experience at the current job of at least three months.

Required documents:

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

T-Bank

• loan amount: from 100 thousand to 8 million RUB;
• loan term—from 1 year to 5 years;
• interest rate: from 15.9% per annum.

The bank makes a decision instantly and transfers money to the Tinkoff Black debit card. If you already have one, T-Bank will transfer the money to it. If not, the bank will issue a new card for you and deliver it by courier free of charge to your home or office. 

Requirements for T-Bank borrowers:

• hold citizenship of the Russian Federation;
• having permanent or temporary registration within Russia;
• age from 18 to 70 years by the date of full loan repayment.

Required documents:

• passport of a citizen of the Russian Federation;
• a driver's license;
• copy of the vehicle registration certificate.

Credit Europe Bank

• loan amount: from 300 thousand to 20 million RUB;
• loan term: from 36 to 96 months;
• interest rate — from 5.9% per annum.

5.9% per annum is the minimum interest rate. It can be increased up to 29%.

Requirements for Credit Europe Bank borrowers:

• having permanent registration in the Russian Federation;
• permanent place of employment;
• 3 different phone numbers.

Required documents:

• passport of a citizen of the Russian Federation.

Drive Click Bank

• loan amount: up to 20 million RUB;
• loan term: up to 7 years;
• interest rate: from 12.2% per annum.

Requirements for Drive Click Bank borrowers:

• hold citizenship of the Russian Federation;
• age from 21 to 75 years by the date of full loan repayment.

Required documents:

• passport of a citizen of the Russian Federation;
• second document of choice: driver's license, international passport, INN, SNILS.
• document confirming income.

All the banks listed above offer truly favorable conditions for their borrowers. However, please note that the best interest rates are only available if you take out insurance for both the vehicle and yourself.