When a person applies to a bank for a loan, there is always a chance that the loan will be rejected. But if you are the owner of your own car, you can quickly get rid of this possibility. We want to tell you about an interesting offer from Sovcombank. This special offer especially for vehicle owners.

Have a car? There will be credit!

If you have all the documents confirming that you really are the owner of the vehicle, you can safely contact Sovcombank. This offer is beneficial not only because the probability of loan approval is incredibly high, but also because the interest rate offered to customers is favorable - only 17%. Please note that this is a strictly fixed rate. That is, it does not matter whether you take 100 thousand rubles, or half a million - in any case, the rate will be fixed. Of course, with such a rate, it will be more profitable to take a decent sum of money. However, if a person is ready to pledge his car for the sake of a loan, he probably needs a decent amount.

• The term for issuing a loan, unfortunately, is not so long. In total for 5 years you can get a loan. The minimum period is three months.


• As for the amount, then for this advantageous offer you can even take 50 thousand rubles. The maximum amount is one million rubles. But you need to understand that it is unlikely that you will be able to get a loan for maximum amount if your car is not worth even half of it.

What does the bank require from us?

Another advantage of such a bank product is that Sovcombank sets the most minimal requirements. Often, according to such requirements in other organizations, even a little money cannot be obtained, not to mention a million rubles.

The most important thing is that you have Russian citizenship. Individuals over the age of 20 can apply for a loan. People over 80 will be denied credit. The client will have to provide documents confirming that he is officially employed. And there is one nuance here - at the last place of work where you are currently working, there should be at least four months of experience. You must have a document of permanent registration in the city, or locality. It is also worth noting one nuance here - if the nearest bank office is located at a distance of more than seventy kilometers from your place of permanent registration, you will not be able to take a loan.

What does the bank require from the car?

Vehicle requirements are also present. Therefore, you should not expect that you can leave a car that has not been used for decades as a pledge. First, the maximum age of a vehicle is 19 years. Secondly, the car must be in perfect working order. Thirdly, if you took a car on credit, then this vehicle does not qualify as collateral. Fourth, if your vehicle is already under mortgage for some reason, the loan will be denied.

In general, there are not so many requirements, so there are already a lot of people who want to apply for a loan. You don't have to go anywhere to apply for a loan. Fortunately, Sovcombank offers us an online application for a loan. To submit an application, you will have to spend a maximum of a few minutes, which is much more convenient than going to the nearest bank office.

If you still have any questions related to this offer, then feel free to call the bank's call center, its number: 8-800-200-66-96. Calls are not charged.

In the current economic situation, in pursuit of the most favorable lending conditions, the borrower is forced to study dozens of offers from various banks. It is not easy to deal with them, especially since the reviews of acquaintances are contradictory. Loan offers with low interest often require large initial contributions or serious pledges. However, pledging housing to a bank is not the most pleasant and reasonable decision. A loan secured by a car in Sovcombank is an interesting solution worthy of attention.

How to get a loan secured by a car in Sovcombank

Any loan program provides for certain criteria that the loan applicant must meet in order to count on success. This is one of the guarantors of the financial security of banks, and helps the borrower to soberly assess their capabilities. Let's analyze the requirements of Sovcombank to the client of a cash loan secured by a car.

Requirements for the borrower

According to the terms of a loan secured by a Sovcombank car, in order for the applicant to take a cash loan, he must meet the minimum criteria:

• be a citizen of the Russian Federation;
• be over 20 years of age, but by the time the loan is fully repaid must not be older than 85 years;
• have a permanent official place of work and a stable income;
• be registered on the territory of Russia;
• have a phone number where you can always get in touch.

Of course, meeting all of these points does not guarantee loan approval. Sovcombank is always attentive to the borrower's credit history - it is better that it be positive. Clients with an empty credit history are often reluctant to give a cash loan, as their financial responsibility cannot be judged. In addition, the bank may ask for a guarantor to provide guarantees.

Vehicle requirements

Since the car is the official pledge for this loan offer Sovcombank, it also has a number of requirements:

• the car must have been produced no more than 19 years ago;
• must not be defective or in need of repair;
• the car must not be a member of other credit programs, for example, an auto loan, or be in any other collateral.

These are the main points of the requirements that the vehicle must comply with so that its owner can take a loan from Sovcombank secured by the car in cash. Naturally, all these data must be documented.

Required documents

Obtaining any serious loan is a difficult bureaucratic test for the borrower.

To take a cash loan secured by a car at Sovcombank, it is better to collect the following package of papers in advance:

• passport of a citizen of Russia;
• the second document confirming the identity, at the discretion of the applicant - this can be SNILS or a driver's license;
• vehicle registration certificate;
• vehicle passport;
• policy compulsory insurance car;
• if the client is married, consent of the spouse to the processing of personal data.

Most likely, it is also better to submit a certificate of income of the 2-NDFL or bank sample. This is the minimum set of papers that you must have if you want to take a cash loan secured by a car at Sovcombank. However, the bank may require some other documents, and one must be psychologically prepared for this.

Terms of a cash loan secured by a car

The most important thing that a potential borrower pays attention to when choosing a loan is the conditions under which it is provided.

The terms of a loan secured by a Sovcombank car are quite pleasant for the client:

• A wide choice of loan terms - 3, 6, 12, 18, 24, 36, 48 or 60 months.
• Loan size - from 150 thousand to 1 million rubles.
• Interest annual rate on a loan depends on the use of the cash disbursed. If more than 80% of the funds are spent directly on the specified purpose of the loan, then it is 17%, if less, then 19%.
• Provided early repayment subject to advance notice to the bank.

At the request of the client, along with the loan, financial protection can be issued - insurance in case of problems with payments. Depending on the loan term (from 12 to 60 months) and the loan amount, the cost of insurance ranges from 4.86% to 22.2% of the loan amount. The shorter the time and more amount the lower the percentage.

It is paid by the borrower, under the terms of the bank, once in the first year of lending. Of course, she incurs additional expenses for him, but in case of financial difficulties, she can become a life raft.

Repayment methods

You can repay a loan taken on the security of a car in Sovcombank in the following ways:

• using a special card for paying off a loan;
• at ATMs, terminals and branches of Sovcombank;
• at the post office;
• in your personal account on the official page.

To repay the loan, it is enough to deposit the required amount of funds to the account of Sovcombank in a timely manner. If the client decides to repay the loan in cash ahead of schedule in whole or in part, or simply make a larger payment, you need to notify the bank via a special SMS. Otherwise, the excess funds in the account will not be debited from the credit.

For most domestic banks, a pledge of movable or immovable property is the best option loan security. This allows you to provide an almost 100% money back guarantee. Beneficial for both parties - for the bank itself and the borrower - is a loan secured by a car in Sovcombank. Under the terms of this loan program, which has been in effect since 2016, an applicant can receive from 50,000 to 1 million rubles for any consumer purposes. In this case, both the car and the borrower are subject to a number of requirements, which should be studied in advance.

Basic conditions for granting a loan

The general terms of a loan secured by a car in Sovcombank are as follows:

• the amount of money provided on credit can be from 50,000 to 1,000,000 rubles;
• the loan period varies from one to five years;
• when issuing loan funds fixed size applies interest rate, however, it differs depending on the amount of money used - if the borrower used more than 80%, the rate will be 17% per annum, and if less than 80% - 19%.

You can perform all the necessary calculations on a loan secured by a car in detail using the calculator on the official website of Sovcombank.

Benefits of a car loan

According to reviews of a loan secured by a car in Sovcombank, this species lending has a number of advantages:

• retaining the right to drive;
• minor documentation requirements;
• fast processing of the application;
• short deadlines;
• no need to search for responsible guarantors;
• no need to provide documents to confirm the level of income.

For the bank itself, such a loan is also very beneficial, since the pledge of the vehicle is a guarantee of the return of loans provided to the client. Money.

Secured loans real estate are also provided in Sovcombank - their conditions are favorable and transparent for each client.

Requirements for borrowers

Obligatory requirements for borrowers are not very strict. They include:

• age from 20 to 80 years (at the end of the loan period);
• Availability official employment with less than four months of experience at the current place of work;
• permanent registration on the territory of the Russian Federation, in the locality where there are branches of Sovcombank;
• availability of a mobile or landline phone for communication.

From the documentation you will need to provide:

• a valid passport of a citizen of the Russian Federation;
• at the choice of the applicant - a driver's license or an insurance number of an individual personal account;
• vehicle passport;
• state certificate of registration of the vehicle;
• OSAGO insurance policy.

Due to relatively flexible requirements and favorable conditions reviews of a loan secured by a car in Sovcombank are mostly positive.

vehicle requirements

Persons wishing to obtain a loan secured by a car from Sovcombank should familiarize themselves with the basic requirements that apply to a vehicle.

The vehicle used as collateral must not be involved and must also be pledged to secure another loan.

The maximum age of the vehicle is 19 years, and its technical condition must be in good condition.

Where can I repay a car loan

Like other types of lending at Sovcombank, a loan secured by a car provides for several convenient repayment methods:

• in bank branches;
• at ATMs and self-service terminals owned by Sovcombank;
• through Personal account in the Internet bank;
• at post offices.

Also, if necessary, you can make payments to third-party banking organizations however, additional fees will apply in this case.

Loans secured by vehicles are convenient way quick receipt funds for various consumer needs. Fast processing and a minimum set of documentation are its main advantages.

The car has become a truly integral part of the life of a modern person. But not everyone can save up the required amount to buy a four-wheeled friend. To make the dream come true, only the most cardinal way remains - lending to the purchase at the bank. There have always been a lot of people who want to take a loan to buy a car, which is why many banks began to use car loans as a priority. How to get a loan secured by a car at Sovcombank, let's try to figure it out in this article.

About Sovcombank

Sovcombank comes from the 90s, but over time it became one of the fifty most reliable banks in Russia. As in other similar credit organizations, providing consumer loans secured by property has now become a priority in Sovcombank.

One of the areas of such a banking product is car loans, or rather, the issuance of a cash loan secured by the purchased vehicle itself. Despite obvious similarities with other domestic financial institutions, Sovcombank has developed its own program for issuing consumer loans for any purpose with automobile collateral.

The bank specializes in issuing loans of a relatively small size for a sufficient long term. You can apply for a loan secured by a car at Sovcombank for a period of one to five years. Moreover, the loan amount is fixed, ranging from 50 thousand to 1 million rubles. The amount is quite sufficient for the purchase by an ordinary Russian citizen of a car of an average price category or other expensive purchases.

Conditions and requirements for a car loan

The provision of a loan by Sovcombank secured by the TCP is quite specific and in some way differs from a similar operation in other banks. So, for example, the maximum age of the borrower must be at least 85 years at the time of loan repayment. In addition, in order to receive a loan, it is necessary to indicate the number of a stationary worker or home phone. In some cases, it is acceptable to indicate personal mobile phones.

Other conditions and requirements for granting a loan:

• The age of the potential borrower is from twenty years
• Exclusively Russian citizenship
• Valid registration for at least four months
• Current experience of at least four months.

Interesting requirements for collateral: the vehicle must be no older than nineteen years inclusive, technically sound and not be mortgaged.

More detailed information For any questions, please contact multiline phone 8 800 200 6696 , on the bank's website sovcombank.ru or when visiting a bank branch in person.

To provide a loan, you will need to issue an appropriate written application at a bank branch or an electronic application on the organization's website. The answer is usually not long in coming and, if the documents are in order and credit history positive, the loan is provided in the shortest possible time.