Top 10 banks for car loans

Responsible bank with favorable conditions for the purchase of new cars.In the reviews, customers note that the bank treats everything calmly and attentively. The main program of the organization for buying a car is "Auto Opportunity". It assumes that a client can borrow from 100,000 to 5 million rubles to buy a new car. When applying for a loan, you must pay 20% of the price for the car in the form of a down payment. But on the other hand, debts can be repaid in the interval from 6 months to 5 years.

The interest rate depends on the terms of the loan, the availability of CASCO and a salary account: it can start from 10.5, the maximum is 15%. But they decided to make a small bonus for customers: those who have a positive credit history are given a 0.5% discount. The bank has one significant disadvantage - a long consideration of the application. Judging by the reviews, it takes from 3 to 10 business days to approve a car loan. True, there are also lucky ones to whom the organization approved a loan within 1-2 days.

A universal bank that has seriously begun to develop the direction of credit programs. One of the main branches of the institution was car loans. The Union has 5 loan options: for commercial vehicles (3 million, 10.5%), with a residual payment (6.5 million, 10%), for a new car, for used cars (5 million, 10%), a loan program GAZ with the best rate of 9.5%. The last option is provided without a down payment. Other lending programs imply a contribution of 15% of the total loan amount. Loan repayment terms are up to 7 years.

The offers of the organization are quite profitable, but still it has a number of shortcomings.Customers complain about problems with early repayment of a car loan, the imposition of additional insurance by bank employees. Some car owners are dissatisfied with the discrepancy between the real cost of the loan and the interest rate promised by the bank.

A subsidiary of Sberbank, it specializes in issuing loans to individuals. The standard conditions for buying a car are as follows - a rate of 7.9-15.5% per annum. The maximum loan amount varies depending on the brand of car. The repayment period is from 5 to 7 years. But a loan can be much more profitable thanks to specialized loan programs. Special conditions and special rates for the promotion are provided for 27 car brands, including Audi, Chevrolet, Ford, Hyundai, KIA, Lada and so on.

For popular cars, the minimum rate is kept at the level of 12-15% per annum. For the lowest possible rate, you will have to collect a package of documents, get a special offer and make the first payment in the amount of 10-40%. It is important to know that when obtaining a loan in Seteleme, you need to apply for a CASCO for a car. If there is no necessary documentary base, the bank has the right to charge a fine of about 10,000 rubles. In the reviews, customers note that from time to time there are failures in the delivery of documents from CASCO to Setelem, you need to check this yourself.

VTB is deservedly included in the list of the best banks for car loans. And not in vain.Because it offers many loan programs for new and used vehicles. You can purchase vehicles both from individuals and from official dealers. Buying a car on credit from a private person starts here with a rate of 8%, an amount of up to 3 million rubles and a period of up to 5 years. Moreover, the purchase can be made without CASCO. True, the rate without insurance will be 13%. The bank also has interesting proposals for refinancing car loans. The rate at VTB is practically the most "appetizing" - from 1% per annum for refinancing with a residual payment.

But not everything is as rosy as the bank paints on the website and in advertising brochures. Many users are faced with the negligence of loan officers. In some branches of the bank, managers stubbornly impose additional services, without which it is allegedly impossible to obtain a car loan. Of course, there are still honest specialists, and most of VTB's clients are satisfied with the quality of service.

The subsidiary of VTB, created on the basis of Leto Bank, provides loans for the purchase of new cars at a rate of 9.9% -15.9%. The Post Bank makes a decision within a couple of hours or 1-2 business days. The organization also provides its clients with the “Guaranteed Rate” service, the essence of which is the return of part of the funds paid to the savings account. The loan is recalculated at a rate of 9.9% after making 36 payments without delay. The offer is profitable, given that in fact many banks initially approve a loan at a low rate, but in the end they issue it with a higher overpayment.

A car loan is issued in the amount of up to 3 million rubles. with a return period of 12-60 months. You can buy a car from partner car dealerships.Loan conditions here are quite tempting, but you need to be very careful when applying for a loan. Sometimes representatives of a credit institution do not work quite honestly: they impose unnecessary services. Yes, and the “Guaranteed Rate” itself requires payment. The cost of the service varies between 2.2-7.9% of the loan amount.

One of the best banks in Russia, which is actively developing regional areas. Ranked 7th in the list of 30 largest institutions. Mainly specializes in servicing accounts and lending. The best conditions for loans can be obtained within the framework of the "Autopartner" program. This offer allows you to get up to 5 million rubles at 10.1% per annum for new cars and cars with mileage in the bank's partner car dealerships.

A loan for transport without obligatory registration of CASCO is issued at 13.3%, the amount is the same as under the "Autopartner" program. The maximum bet size is 17.9%. Loan terms - up to 5 years. The bank also has a car loan with a residual payment. This is one of the best deals on the market. Loan amount: up to 15 million rubles, term: up to 4 years. The interest rate here starts from 9.5 million rubles. In addition, Uralsib has favorable conditions for the purchase of commercial vehicles (from 13.9%, initial payment of 30%), a Premium car loan (9.9%, 15 million rubles). The minimum deposit for all offers is 20%.

You can get a car loan in this bank with an advance payment of 10%. The maximum amount is 3.5 million rubles, the terms are up to 7 years.The organization offers some of the best and most honest lending conditions. According to reviews, here you can get a loan without imposed additional services. There are few offers for buying a car on credit from a bank - only one. But everything is transparent and understandable. And there is also a loan on personal terms for medical workers with a rate of 10.5%.

Despite the clear terms of registration and a fairly favorable interest rate, it is difficult to get a car loan at this bank. And it's not just about the high bounce rate. Difficulties for clients arise due to the collection of necessary documents. Here you cannot get away with only a passport and rights: you will have to provide a certificate of income, TIN. Also, wait at least 3 business days. Judging by the reviews, the bank considers applications for a very long time, but some clients are lucky, and they receive a response from the organization within a few hours / one day from the moment of application.

Bank with interesting offers on car loans. Here you can take a car in installments using the Halva card with an interest rate of 0% without a down payment and for up to 24 months. There are no such favorable lending conditions in any of the banks presented in the selection. Almost without overpayment, you can buy new cars of the brands Hyundai, Geely, Chery, KIA, Changan. For vehicles from other manufacturers, personal conditions with higher interest rates apply. You can take a car loan from LADA at a rate of 11.49% for up to 6 years.

Sovcombank also has a hand-to-hand car loan for the purchase of used vehicles. The rate is from 6.9%, the amount is from 100 thousand to 1 million rubles, the terms are 18-60 months.In addition, with the help of a bank, you can buy a used car with the Excellent Rate Guarantee (GOS) service at an interest rate of 11.9-16.4%. Vehicles with mileage must not be older than 15 years. But this is not the only condition for obtaining a car loan. The buyer will have to take out life and property insurance. By the way, some managers, in addition to this, impose various options and services, the refusal of which leads to an increase in the interest rate.

State bank with some of the best car loan offers. You can rent a car with the help of an organization at a rate of 3.9% to 15% per annum for up to 5 years without prepayment. The amount varies between 300,000-5,000,000 rubles. The lowest rate is available when registering a new car as collateral and borrower's life insurance. Each loan amount is subject to certain terms and conditions.

By the way, the loan itself up to 2 million rubles can be issued without visiting the office. To do this, you only need a passport: a courier delivers a card with free service for transferring credit funds. But this leads to one drawback. According to customer reviews, the organization periodically has problems with the delivery of plastic: couriers do not arrive at the set time. Some borrowers complain about the delay in the transfer of loan funds. This can take up to 2 weeks if there are technical issues.

The leader of our rating of the most profitable banks for a car loan honestly takes Tinkoff with its universal loan program.The institution allows you to receive up to 3 million rubles in cash and return them up to 5 years. The annual rate starts from 6.9%. The loan program covers both new and used cars under the age of 18. Tinkoff Bank compares favorably in that it allows you to take a car loan without visiting an office and without a down payment. This condition applies to any conditions and types of cars, which distinguishes Tinkoff from other Russian banks. Moreover, Tinkoff does not require mandatory registration of CASCO and additional services.

Consideration of the application takes place in a few hours, which is convenient if you need to urgently make a deal. The bank itself will check the proposed purchase against all available databases, which will protect you from buying a "bad" car. The client buys a car on his own, and after the purchase sends documents for registration of a pledge to a banking organization. The company doesn't have many cons. Most of the customers complain about the increase in interest rates after the approval of the loan and the disapproval of applications for the purchase of older cars.