Car loans. Feedback from our clients

Regardless of how much income you receive, there is always the possibility of unplanned expenses. And sudden events can also occur that will entail serious expenses. Car owners in such cases can competently dispose of their property. Can be taken Bank loan on the security of a car and get cash at a low interest rate. In addition, the borrower's chances will greatly increase if he leaves an auto deposit.

Without unnecessary certificates and guarantors

To get a loan secured by a car in Moscow, you can use our Credit Znatok service. Choose the offer you need on the site and submit your application in one click. The conditions of a loan secured by a car are lightweight: you do not need to go through a bunch of documents and look for guarantors. Some banks only need 2 documents. A guarantee is required only if the cost of the car does not fully cover the amount of the loan.

So if you urgently need large sum and at the same time you are not afraid to be left without a car, then you can get a loan from a bank with the help of it. By laying down the car, you will speed up the decision financial problem. Of course, both the car pawnshop and some microfinance organizations provide a loan under the title. But there is a significant difference. Bank loans for a car allow you to continue using it, and when making a deal at a pawnshop, the client’s car will remain in the parking lot until the debt is fully returned.

Better in a bank than in a car pawnshop

Almost all commercial banks provide a standard form of lending, so the selection process will not be burdensome. Conditions may vary, but there is always a chance to get a cheap secured loan, the main thing is to study all the products offered well;
it is quite possible to get a loan for favorable conditions, unlike the usual consumer loans the rate can be much lower;
a bank can entrust a client with a much longer term for lending than an auto pawnshop. Moreover, in some companies you can take a car loan secured by a car in Moscow for five years or longer. As for pawnshops, the average loan term is only eight months. There is a difference, right?
the lender-bank makes a faster decision to issue money if the borrower's car has not yet been pledged in other organizations and does not have any defects;
many banks in Moscow issue car loans for the purchase new car under the existing one. So a car enthusiast who wants to trade in an old car can easily do so by simply pawning it;
to take a car loan, the client does not have to look for guarantors who will incur financial risks along with him.

Loan secured by a car in UBRD

Car loan terms:

amount: from 250,000 to 2,000,000 rubles;
term: from 12 to 120 months;
rate: 18-20% per annum.

Necessary documents for car pledge: passport of a citizen of the Russian Federation; property documents.

Take advantage of our service and save valuable time for more complex processes. Filling out loan application online, you will order a call back from the bank manager, who will offer you the most effective way to solve your problem.

You use the car as before

Low interest rate

If you find below, we will provide you with a rate discount!

Registration in 30 minutes

Get a loan in a short time: from 15 minutes to 1 hour

Only 3 documents

All you need is your passport, certificate and vehicle title

Benefits of getting money under PTS

We are in Moscow

Convenient location. Pre-registration required.

We will voice the conditions remotely

You come for money, having received approval by phone.

Field managers

There is no need to visit the office - get money where it is convenient.

No car registration

A loan and pledge agreement is concluded, entries in the TCP are not made.

Credit history is not important

Get a loan even with delays, the information is not transferred to the BKI.

No additional costs

Transparent conditions without extra commissions and hidden fees.

Amount up to 90%

Get the maximum amount from the value of your car.

Looking at old cars

Liquid cars from 1995 of release are considered.

Only 3 documents that every car owner has

Vehicle Passport

Registration certificate

No additional documents are needed! No income statements work book, no written questionnaires. All you need is to be the owner of the car and provide 3 documents: Title (a duplicate is also suitable), STS and a passport. For approval, it will be enough to send a photo.

All types of transport are accepted as collateral.

Do you have a good car? Or an old "Lada", but still "running"? Or maybe a working "Gazelle" or a truck?
We have an offer for you!

Cars

domestic, foreign...

Watercraft

boats, jet skis, yachts, etc…

Buses

small, medium, large…

Money secured by TCP in Moscow urgently and without hassle

Why is it profitable to apply to us for a loan under title?

Loan secured by TCP in Moscow - conditions

The terms of the loan secured by TCP will pleasantly surprise you.

Requirements for the borrower and the car

Loyal conditions of approval will allow you to receive money with a high probability.

If you are in doubt about whether you can get a loan, be sure to first consult with our specialist.

To get a loan secured by a title with the right to use it, you just need to be an adult citizen of the Russian Federation and be the owner of a car that is not pledged and registered with the traffic police.
The car pawnshop does not call your employer or relatives, does not require the consent of your spouse, does not ask for certificates and labor, does not check your credit history and does not transfer information to credit bureaus.

Feedback from our clients

Click on the photo to watch the video review.

"Hello everyone! I had a problem: I needed money very urgently, I didn’t know where to get it. I started to rummage around the Internet - I found the site creditors24. I read it, the conditions seem to be suitable, I called the office at the phone number indicated there. I had an appointment, I arrived at the office the next day. The guys there explained everything to me correctly. I had the desired amount of 150 thousand, they gave me 160 on the security of TCP on quite loyal terms. Everything was neat, beautiful - well done guys! Great! Thank you very much! I got the money somewhere in about 15 minutes, probably, yes, so, it all happened so quickly. Left the TCP and quietly left. This money helped me a lot that day. That's it, I advise everyone to use this site: remember creditors24. Good luck to all!"

“Good afternoon everyone. My name is Sergey. A couple of weeks ago I wanted to fulfill my dream: to go to new year holidays to Phu Quoc Island (Vietnam), but it was not possible, and began to look for some options, to surf the Internet. As a result, I came across the site “Honest Lenders”, where, without having time to fill out an application there, I was contacted in a few minutes, maybe even seconds, by a specialist. We agreed with him on a specific time, met the next week and successfully closed the deal, which I am very happy about. My tickets have been bought. Ready to fly. Thanks to the site for helping me realize my dream!”

"Hello! I recently applied to creditors24. For a long time I was looking for a good, suitable company to take money on the security of TCP, but I found it, thank God. The guys were smart and got the job done quickly. I got the money, probably in 20 minutes. They explained everything correctly, they told everything, and what I liked more is that people are really prepared and know their stuff. Thank you very much for their professionalism. I needed money very urgently, they helped me a lot. I advise everyone, in principle, this site, because people really know their business and do it competently. So, I advise everyone! All the best. Goodbye."

"Good evening everyone! Today we used the creditors24 service. I was satisfied with the result, as the company has a lot of contractors, including those in our city, who immediately called. We were able to choose the best offer. I recommend this company to everyone! Contact. All the best!"

"Good afternoon! My name is Tatyana. It so happened that we needed money very urgently. On the Internet I found the resource creditors24. Left a request. A few minutes later we were contacted by an agent. We discussed the terms. The conditions suited me. On the same day we met at the office. The drafting of the contract did not take even 15 minutes. We needed the amount of 120,000, we approved this amount on the security of TCP. Money immediately after the conclusion of the contract. Everything is clear in the contract, no small fonts, no asterisks, everything is laid out on the shelves. If any question arises, the agent will explain everything thoroughly. I advised this organization to friends and acquaintances, since it is almost impossible to receive such an amount in one day, and then in the morning they called - in the afternoon I already solved all my questions with money. So here it is, I recommend it to you. Thank you."

"Hello! I recently applied to creditors24 for a loan secured by a title deed. In principle, I am very satisfied with the company. Literally after 10 minutes, a girl called me. I gave my car details. They said that my car is suitable for bail. She offered to come to the office. I arrived at the address that was sent to me in an SMS message. Called back and said he had arrived. I was met by a young man. He and I drove to a free parking lot, after which we went up to the office. It literally took an hour to prepare the documents for the approval of the amount that I needed. At this time, I was offered to drink tea, coffee, which is quite pleasant. In principle, completely satisfied with everything. creditors24 company, they don't have any hidden fees. They work honestly, they help people with loans, of course, with some return, as elsewhere. I advise everyone! They are honest, not scammers, everything is wonderful, everything is cool. Enjoy. Happy to help."

Loan calculator

from 1,000 ₽ to 5,000,000 ₽

from 1 month to 3 years

from 24% per annum to 60% per annum

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Estimating the value of your car

Select the parameters of your car and find out its market value.

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Frequently asked questions and answers to them that not everyone reads (but in vain!)

Check out the answers to the questions most often asked by our customers

A loan secured by a TCP in Moscow is profitable and fast

Many of us have faced a situation where we urgently need money - no one is immune from this. Flooded neighbors, health problems, unexpected profitable option major purchase, or the business requires urgent investments - the reasons may be different. Where to get the right amount in a short time?

If we are talking about a couple of thousand rubles, they can be intercepted from acquaintances - most of us will have a friend or relative who will lend a small amount to paycheck. What if you need a large amount? The only option left is a bank loan. However, such loans are not given to everyone - if you do not have credit history, or it is spoiled - most likely, you will be refused. And with a good history, no one will give you a guarantee of issuing the required amount - especially if you cannot provide certificates from work or bring guarantors.

The best solution for car owners in Moscow would be a loan secured by a car. It takes a long time to process it at the bank, and besides, there are quite high requirements for both the car and the borrower. Much faster, easier and more low interest you can get money secured by a car with our help at a car pawnshop in Moscow.

Car pawnshop secured by TCP in Moscow around the clock

Banks operate under strict restrictions and are not very loyal to borrowers. And in the car pawnshop, they are loyal to their customers and offer flexible conditions for borrowers, and most importantly, it is very easy to take a loan secured by a car. Not everyone will be given a bank loan secured by the title of a car or even the car itself. With our help, everyone can get a loan secured by TCP - quickly and on favorable terms.

The main differences of the pawnshop:

more efficient work - everything is processed very quickly, checks take minimal time and come down to a simple check of documents;
flexible conditions - each borrower who wants to receive money secured by TCP will be offered the most optimal conditions for the loan amount, interest, etc.;
low risk of failure. If you cannot get a loan secured by a car in a bank, because they refuse you there, you can safely contact a car pawnshop. Honest lenders issue funds even to those who receive refusals from the bank.

A loan secured by a car in Moscow - fast, reliable, profitable

A car pawnshop in Moscow issues car loans under title and on the security of a car. Here you will quickly get the amount you need without any hassle.

Urgent - registration takes from 15 minutes to 1 hour.
Certificates from work, guarantees of other persons and other proofs of solvency are not needed.
No additional documents.
With any credit history.
Without additional fees and hidden fees, without intermediaries.
From 3% per month.
Onsite assessment.
Up to 90% of the cost vehicle.
No failures.
Registration under the contract in accordance with the laws of the Russian Federation.

Who can get a car loan

In a car pawnshop secured by a vehicle title can get a loan any adult owner of the car:

even a pensioner, student or unemployed;
even a person with a criminal record;
even a foreign citizen;
even if the credit history is damaged.

Banks to issue consumer credit on the security of a car, they require that the borrower be a citizen of the Russian Federation, be registered in the region, be officially employed, have no criminal record and have an ideal credit history. In a car pawnshop, a loan secured by a title is issued to any car owner. Fast, low interest, no failures.

Do not issue a loan secured by TCP in the bank? Get it at a car pawnshop!

What documents are needed for a car pawnshop

To get a car loan, you will need:

passport;
vehicle registration certificate

Not needed income certificates, copies of a work book or other documents. Total 3 documents- and you will receive a loan secured by a vehicle title in Moscow up to 90% of the value of your car at a low interest rate - from 3% per month.

How to get car loan

To get a loan secured by a car at a car pawnshop, simply fill out the application form on the website or order a call back, and the pawnshop manager will call you as soon as possible. You can also apply by phone.

Money secured by the title of the car is issued at the office in Moscow. After the manager evaluates your car and prepares all the documents, you will sign the contract and receive cash at the pawnshop cash desk. At the same time, the car, at your request, can either stay with you or be moved to a guarded parking lot.

A loan secured by a vehicle title in Moscow is profitable

When you need money very urgently, and banks refuse - use an urgent car loan! With our help, you can easily get a loan secured by TCP in Moscow at a low interest rate. Without unnecessary documents, without references, with any credit history - fast processing and a low interest rate of 3% per month

Loan under TCP is one of the most advantageous offers For potential borrowers. It is supposed to transfer the document to a credit institution, while the car remains in use by the owner. In Moscow, car pawnshops of honest lenders offer to get money secured by TCP.

Advantages

PTN secured lending has several significant advantages over classic consumer products:

No queues at the bank to get expert advice and get a profitable loan.
Quick decision making and contract signing.
There is no need to submit certificates of guarantee.
Minimum documentation package. To take cash secured by a title in Moscow, you will need only three documents: a citizen's passport, a certificate and the passport of the vehicle itself.
Low interest. Unsecured loans tend to total several times higher.
The car remains with the borrower. He can use it without restrictions, but without making any financial transactions.

What conditions are offered by car pawnshops

Pawnshops offer favorable conditions for the transaction. The benefits are especially noticeable if you turn to us for help:

Low interest rate– if you find it even lower, then our managers will additionally provide a discount.
Receipt maximum amount from the cost of the car - up to 90%.
As collateral Any vehicles starting from 1995 are accepted.
No additional costs on the part of the borrower when obtaining loans secured by TCP.

Where to get a loan quickly and profitably

Do you need money urgently, but you absolutely cannot lose your car? Contact pawnshops of honest lenders. We offer urgent loans secured by TCP on the most favorable terms. It is convenient to lend with our help:

Fast processing - 30 minutes and the required amount in your pocket.
Money secured by title to applicants even with a bad credit history.
No intermediaries. We cooperate directly with the client.
Issuance of non-purpose loans - you can not voice the purpose of obtaining finance.
The most accurate assessment of the car - we have experienced professionals who check the vehicle in accordance with all the rules and standards.
High professionalism of specialists - a competent approach to each client, the provision of individual service.
Expert advice on the need to obtain a loan secured by TCP.

There are different situations in life. You may need money at the most inconvenient moment. Loans secured by TCP are a real lifesaver for everyone. Do you own a vehicle? Get a profitable loan.

Our financial services partners

Services for the issuance of loans and credits are provided by organizations that have the appropriate licenses, permits, accreditations, or are included in the relevant registers or are members of the relevant SROs:

Loans secured by a car differ from ordinary needs precisely in the presence of collateral. The borrower has the right to use the car, and the PTS is transferred to the bank. Another option that lenders use is notarial registration of collateral. In this case, the information falls into the "Register of notifications on the pledge of movable property."

When applying for a loan secured by a car, it is important to make sure that the vehicle meets the requirements of Akibank. Among other things, the car must be "on the move" and not be a security for other obligations.

Advantages of Akibank consumer loans secured by a car

Applying for a consumer loan secured by a car in Akibank is beneficial for several reasons:

reduced interest rate;
the opportunity to receive a larger amount.

In addition to the advantages, such a loan has disadvantages. The main one is the risk of damage or loss of the car. If the parameters of the collateral object deteriorate, the bank has the right to demand that the loan be repaid in full ahead of schedule. The way out of the situation is to issue a CASCO policy in advance.

How to get a consumer loan from Akibank in Moscow secured by a car?

In 2019, the algorithm of actions when applying for a loan secured by a car in Moscow is as follows:

filling out an application form;
consideration of the application, based on the results of which Akibank will make a decision and announce the exact parameters of the loan for a particular client;
signing of 2 agreements: loan and pledge;
receiving the money.

One of the most convenient ways take a loan is PTS secured loan. This is a loan with collateral, which is the car pledged by the borrower. However, in this case, the client gives the bank only the passport of his vehicle, which allows him to continue to use the car throughout the entire period of repayment of the loan.

Express loan secured by PTS will help in the situation when it is important to quickly receive funds. In terms of time, obtaining a loan secured by a car can be faster than obtaining it without collateral. When issuing a loan secured by TCP, there is usually no large-scale verification of the client's data. Car pledge can be used if the credit history contains negative information. You can get a loan from a bank secured by a PTS secured by collateral in almost one hundred percent of cases. Pledge vehicle title serves as a certain guarantee for the bank that the borrower will fulfill its obligations.

What documents are required to obtain a loan secured by PTS?

Of the documents required in order to take a loan secured by a TCP in a bank, you will need a passport, a certificate of income, a certificate from the last place of work, as well as driver's license. Besides prerequisite to apply for a loan secured by a vehicle title is to issue an OSAGO policy. To get a loan secured by a car, you do not need to collect any additional certificates.

What are the pros and cons of an express loan secured by TCP?

Before taking out a car loan, you need to weigh the pros and cons. A loan secured by a car passport in a bank has its advantages and disadvantages. The pluses include the ability to dispose of your car during the entire term of the loan. By taking an express loan secured by the title, you can park the car in the garage or continue to use it at your discretion. However, some organizations impose restrictions on the use of cars, while the bank rarely has its own parking lot for storing pledged vehicles. In addition, banks that provide a loan secured by a vehicle passport rarely offer large enough amounts.

What is the difference between an express loan under TCP?

An express loan secured by a TCP is issued according to an accelerated procedure, but in a bank it may be longer than, for example, in a car pawnshop. In this regard, many decide to take a loan there. "Vyberu.ru" recommends contacting only trusted credit organizations who value their reputation and provide an express loan secured by title without hidden conditions. In banks, you can take a loan at a lower rate and for a longer period. In any case, everyone determines the optimal conditions for an express loan for himself.

Welcome! Today you will learn what a consumer loan secured by a car is, what features it has, how to apply for it and in which banks best deals in 2019, as well as how the car pawnshop works.

A loan secured by a vehicle exists in several forms, on different sites this concept is often confused with a car loan and a loan secured by a title. Let's get to the bottom of these concepts.

So on this moment secured loans should be distinguished:

Loan secured by the purchased car(car loan or car loan at VTB 24 and Sberbank, for example). Most often, it is provided by banks for the purchase of a new or used car in a car dealership or from a commission company. At the same time, this car is pledged to the bank until the loan is repaid. Title remains in the hands of the owner (there are exceptions).
car pawnshop. You can also get a loan secured by a car at a car pawnshop. The essence of the loan program in a car pawnshop is that you have to part with your "steel friend". The car will be in the parking lot of the pawnshop until you pay off the loan (carefully check under what conditions the car will be stored and under what conditions it will be returned to you under the contract, so as not to get to scammers, the car pawnshop must be reliable and time-tested). The credit history of the borrower is not assessed and documents from work are not needed.
secured loan vehicle pts . The program is quite common in microfinance organizations (MFIs). According to it, you are required to leave your TCP as a pledge. Until you repay the debt, it will be in the MFI, but you continue to use the car without any problems. (not all organizations issue a loan secured by a truck).
Car loan – special program banks for borrowers who own their own car. Under this program, the title and the car remain with the owner, but it is pledged to the bank. (A mark is made in a special register of pledged movable property).

It is about the 4th option of lending that we will continue to talk about further.

Conditions and requirements for the borrower

Where to get? At the moment, a cash loan secured by a car can be obtained at Sovcombank and Lokobank. Feedback on these banks is only positive. Let's analyze their conditions and requirements for the borrower and car. Let's try to understand where it is more profitable to take and which banking institution choose.

Conditions and requirements for the borrower in Lokobank

In Lokobank, money secured by a car can be obtained at any branch.

Loan amount from 300 thousand to 3 million rubles (up to 5 million in Moscow and St. Petersburg).
A maximum of 70% of the appraised value of the car is issued.
Term - up to seven years
Rate from 13.9%
Insurance optional
Payments - annuity
Early repayment without penalties and at any time.

Requirements for the borrower and car:

Must be a Russian citizen
Have a permanent residence
Age from 21 to 68 years (at the time of closing the loan)
There must be official employment from 4 months of experience and three years in total.
Foreign car up to 16 years old inclusive (age)
Must not be pledged

Pros: large loan amount, low interest rate.

Minuses: binding to the appraised value of the car.

Conditions and requirements for the borrower in Sovcombank

Sovcombank loan secured by a car:

Amount from 150 thousand to 1 million.
Term - up to 5 years
Rate from 12-19.9%
Insurance on request
Payments - annuity
Early repayment without penalties and at any time

Requirements for the borrower and car:

Citizenship of the Russian Federation
Permanent registration in Russia
Official employment (from 4 months)
Age from 20 to 85 years.
The car is not secured
Foreign car not older than 19 years at the end of the loan

Pros: there is no link to the estimated value of the car, you can get a loan up to 85 years old, Sovcombank gives a loan secured by a car even for 19-year-old rarities.

Minuses: shorter loan term than in Lokobank

Sberbank and VTB 24 will not be able to give a loan secured by a car. Sberbank and VTB 24 can provide an urgent bank car loan for the purchase of an old or new car in a car dealership. Purchasing a car through Sberbank and VTB 24 will be discussed in our other post.

Documents for obtaining a loan

The standard package of documents is quite simple:

Questionnaire
Passport
OSAGO
Certificate for the car
The second document (SNILS or driver's license).

But in addition, the bank may request more documents at its discretion. You may also need a notarized consent of the spouse (if you are married) for bail. Consultation with a specialist is necessary.

Money will not be issued on the security of a car without a title.

Registration procedure

The procedure includes five steps:

Bank selection.
Collection of basic documents
Visiting the nearest branch for a final consultation and calculation of the rate.
At the bank, an employee will evaluate your car.
Submission and consideration of the application (from 2 days).
Paperwork and encumbrances. The auto-deposit procedure will not take more than 10-15 minutes.
Receiving the money.

The procedure is very simple and will not take much time. Getting a loan will not be a problem.

Is it worth it when buying a home

Let's look at the option of obtaining a loan secured by a car in comparison with a mortgage when buying a property.

First of all, you need to understand that the mortgage rate will in most cases be lower than this loan. At the moment, for a new building and a finished apartment from the developer, you can get a mortgage at 10.6% per annum. If we consider the usual secondary housing, then the rate is from 12.5%. Sberbank, which issues the most mortgages, offers rates from 11.5%.
For mortgages, the loan term is longer, which means that monthly payment will be less. For example, if you take 3 million rubles on a consumer loan secured by a car for 7 years under the minimum bid 13.9%, then the payment will be 18684, if at the same percentage, but for 20 years, then the payment will be 12362.
Credit history will be checked in both cases. If it's bad, they can refuse. (MFIs providing loans secured by TCP can be an alternative here).
On a mortgage, you will be given a larger amount than on a consumer loan secured.

But there are a number of advantages of such lending:

The apartment will not be pledged to the bank, and you can quickly sell.
No need to collect a bunch of papers and spend a lot of time on a deal.
You can pay quickly.

To sum up, a consumer loan secured by a car is beneficial for you when you need it quickly and relatively quickly. a small amount(on an initial fee on a mortgage, for example) and you do not have the desire or ability to collect a complete package of documents.

If you need, then we recommend reading our last post. There you will find out where you can borrow money without problems and interest. We have also selected two services for you to apply for a loan online: Kachalot Finance And Creditcarm. Here you can borrow money and buy what you need.

We are waiting for your questions in the comments. Have you had any experience with car loans? Write to us.

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As always, we remind you that if there are difficulties with repaying a loan or you need legal aid, then ask our lawyer a question in the form in the lower right corner (free of charge).