Lending conditions are simplified every year, now there is no need to visit a bank branch to apply for a car on credit. Many Russian banks allow you to apply for a car loan online, significantly reducing time and effort costs. You can find the best loan offers hassle-free on our website.
Benefits of applying for a car loan online
The main task in obtaining loans is right choice loan product. Various banks offer different conditions and impose different requirements on customers, so it is important to evaluate several options according to the main parameters. In this case, you will have to spend a lot of time visiting dozens of branches of financial institutions, studying hundreds of offers and comparing them. Credit online portals already contain all the necessary information about existing loans, offer a convenient search using the desired characteristics of offers, as well as car loan calculators that allow you to quickly and accurately calculate the level of overpayment, mandatory monthly payment and other characteristics.
Also, the client can send car loan applications to all banks, and increase their chances of getting approved. An electronic request does not impose any obligations, having received a positive response, the client must confirm his application for a car loan.
Who is eligible for an online car loan?
For a car loan, an online application to all banks will be useful to those customers who value their time and strive to choose a reliable financial instrument, but not debt hole. Only using online portals, you can compare several loan offers according to these characteristics:
- Credit limit amount.
- Annual rate.
- Overpayment amount.
- processing fees, early repayment loans.
- Loan terms.
- Mandatory monthly payment.
- A package of documents.
How to apply for a car loan on our website?
Our website contains best car loans with the possibility of online application. To do this, choose a profitable loan, and apply. You should fill out a short questionnaire, indicating only reliable information, and wait for a response. financial institution. Usually electronic requests are considered no longer than 3-5 days.
Questioning a potential client– an essential procedure forcar loan product any financial institution. The publication will tell you about the structure of the borrower's questionnaire using the example of UniCredit Bank and will acquaint you with the step-by-step filling out of the document.
Questionnaire structure
The purpose of the survey is to obtain information about potential borrower. Based on these data, the lender evaluates personal, social and financial characteristics. At the same time, each specific financial institution uses a questionnaire form, the form of which is approved by them independently.
The creditor himself determines the structure of such a document and the list of issues. Despite this, the volume and subject matter of the information entered by the client, for all banking institutions matches. Therefore, the structural form of the questionnaire for a car loan of any financial organization is conditionally divided into blocks containing:
- parameters of the requested product, applied auto loan program and vehicle data;
- personal, passport, registration and contact information of the person being questioned;
- information characterizing the social status of the client - education, marital status, the presence of children;
- data on employment applicant: current / total length of service, position held, information about the employer;
- information about the average monthly income of a potential borrower;
- information about the liquid property owned - real estate, transport;
- data on the applicant's other credit obligations.
In the last sections of the document form there are information and coordination blocks of a legal nature. By filling them out, the respondent expresses his consent to the processing / transfer / request / use of the entered data by the creditor and confirms the veracity of the information provided.
The type of questionnaire and the order of the sections in it differ for each creditor. Some banks provide blocks with additional questions. Entering information into such sections is optional. However, it should be borne in mind that the more and more complete the data on potential client, the more likely the chance of approval for an auto loan.
For some organizations, the loan application is divided into several separate documents. For example, a questionnaire application for a car loan from UniCredit Bank consists of two parts:
- An application to a lender for a loan is a request by the applicant to consider providing him with a product. It indicates the main parameters of the desired loan, type / brand of car, seller's details, etc.
- The questionnaire itself.
Instructions for filling
The first six blocks of the document are intended for entering identifying and contact information.
If the applicant is already an active client of the institution, then it is necessary to mark the appropriate field and indicate your client number. It is assigned when you first contact the bank, and is also a login for entering the UniCredit Internet banking system. Passport data must be entered carefully and exactly as in the document itself.
In the contact information section, it is mandatory to enter only mobile number. But it is better for the respondent to provide additional phone numbers, as well as an e-mail address. This will eliminate the possibility that the lender will not be able to contact the applicant when approving the loan.
The following sections of the questionnaire relate to the applicant's employment history. You will need to fill in data regarding the place and nature of the work. It is mandatory to provide complete information about the employer:
- name, identification code of the company and its type, industry affiliation, approximate number of employees;
- address and contact numbers.
Applicant must provide information about himself/herself regarding the position held and seniority: both in general and in last place - it is necessary to note the month and year of the start of work
This is followed by an information section regarding the income side of the surveyed. You will need to indicate the size of the average monthly salary at the main place of work. You need to enter the same amount as in the provided certificate of income. In the presence of additional income be sure to display them. This will increase your chances of getting approved for a loan.
The next block of the questionnaire is information about the potential borrower's property: real estate and transport. In this case, you do not need to specify any registration data for objects. You only need to mark the required fields.
This section is not required to be completed by the respondent. But, as practice shows, the more the applicant provides data on his financial and material situation, the more likely the loan is approved. The main thing is that the specified data coincide with reality.
To get a car loan from a bank, you first fill out an application. To correctly fill out the questionnaire for a loan to buy a car, you need to enter answers that are of interest to bank employees, decisive issue on disbursement of funds. The form contains fields that must be filled in. without fail. They are marked with *.
Based on these answers, the bank will make a decision on issuing a loan.
Each credit organization offers to fill out a questionnaire that is of interest to a particular credit institution. There are two forms of questionnaires.
The first is only information about the borrower. If the bank decides that the client's solvency satisfies his requirements, then a positive decision is made. Then the bank employee calls the left phone number and invites the client to conclude loan agreement. To conclude it, you must visit the bank office and sign all the documents.
There is another option, when the questionnaire immediately becomes an offer. According to it, the bank enters into a loan agreement with the borrower who submitted it. This means that when the bank approves the submitted loan application, it automatically becomes a loan agreement. Then the borrower does not need to come to the bank to sign the contract.
In this case, it is important to remember that, according to Civil Code, you can withdraw the offer only before its acceptance, that is, until the moment when the bank approves the application, and after that it is no longer possible to refuse to receive a loan. If the client wants to refuse such a loan, then he must submit an application to the bank to terminate the loan agreement and pay off the resulting debt.
What information do banks need?
In addition to personal and passport data, the questionnaire indicates the address of registration and place of residence. Everyone knows that often a person does not live where he is registered. Phone numbers are required for all places of possible residence, work phones. Two contact persons must be named, one of them must be the next of kin. It is necessary to indicate where he lives, the degree of relationship with him and his phone number. The bank insures itself against delayed payments and wants to know as much information as possible.
Information about work is a very important column that tells about the solvency of the client and his occupation. You will need to name the address of the company, position held, seniority.
Banks are interested in information about the property: the number of rooms, total area housing, the share of property, the period of its acquisition. If the borrower is officially married, then the questionnaire has a column in which the spouse's data is signed.
Credit history is a very exciting moment in filling out a questionnaire. Here you need to write whether there is a loan, in what amount and which bank issued it.
Total income is the main information for the bank. Income from the main place of work, part-time, renting out property - everything is important in this case. Required to specify monthly expenses borne by the family and the borrower. This includes minimum funds for personal maintenance, alimony and other payments by court decision, payment utilities and rent, if you do not have your own housing.
After collecting all the data about the client, the bank will ask what kind of car loan the borrower wants to get. In the questionnaire, you must fill in the columns that indicate data on the car and the amount of the proposed loan.
When filling out the questionnaire, it should be remembered that knowingly false information and obtaining a loan on it are economic crimes and are regarded as fraud.
Car loan is one of the most popular financial products nowadays. To obtain it, you will need to fill out a questionnaire, as well as provide the bank with the necessary list of documents. See below for how to apply for a car loan.
How to apply for a car loan?
According to statistics in the country, last years more than half of foreign cars were purchased on credit. The popularity of targeted loans is increasing every day due to availability. Cash are issued in less than 2 hours, and in most cases, borrowers do not even need to confirm own income, or provide the bank with numerous papers. For express programs, lenders require only a passport, an application and a driver's license. For standard car loan programs, at a reduced interest rate, the debtor will need to confirm solvency, as well as issue car loan application.
The application is made on a special form, which is a questionnaire. Empty columns and tables must be filled out without errors and blots, otherwise the bank will reject the application. The text must contain the most reliable information. All information is verified in a single state register. Verification of documents can last from several minutes (if it is an express loan) to several days. Often, such a procedure is a preliminary analysis by a scoring system (a special program for determining the solvency of bank customers) and the study of securities loan officer. After that, the application is approved or rejected.
If the lender decides in favor of the borrower, it is necessary to choose a car and sign a loan agreement within 30 days. The loan is issued in cash, by transfer to a card or bank account, by transfer. The method of extradition is discussed in the process of signing the agreement.
Each bank puts forward its own requirements for filling out an application for a car loan. In most cases, the document consists of general information about the borrower, guarantors for the loan, as well as income information.
- borrower details:
- date of birth, place;
- citizenship;
- marital status;
- Place of work, position;
- passport details:
- series, number, date of issue, expiration date;
- for migrants, a special table is provided, which indicates:
- phone number;
- document data confirming the legal presence of a non-resident in the country;
- details of the passport;
- for legal entities required to specify:
- LLC address;
- duration of the company;
- details of the document confirming the legalization of IP;
- information about the income of the borrower:
- the amount of official monthly income;
- Additional income;
- information about monthly expenses:
- the cost of utility bills;
- other loans or debts;
- a list of property in personal or shared ownership;
- credit history information;
- information on the requested car loan:
- the purpose of the purchase;
- required amount;
- currency;
- installment;
- reasonable amount of the monthly fee;
- collateral information;
- information about guarantors (if required);
- list of attached documents;
- the date of the application, the signature of the citizen.
You can download the car loan application
Order and methods of filing
You can apply for a car loan in several ways:
- in the nearest branch of the selected bank, at the place of residence;
- in the salon of a car dealer;
- on the official website of the lender.
The application is considered within 3-4 working days. After that, a bank employee will call the borrower back and invite him to the office for an interview, as well as signing a loan agreement.
Express loans are issued in 15 minutes. Such applications are made in the offices of creditors.
Accompanying documents
DTo apply for a car loan, the borrower will need:
- identification;
- driver license;
- SNILS pension certificate;
- information about wages in the form 2-NDFL;
- a copy of the work book certified by the employer.
Just 20 minutes to fill out the questionnaire will save you hours on the road and stay at the bank office.
What kind of car loan do you get
We offer only "correct" loans with "honest" interest rates because we cooperate with the "right" banks. Right bank is a bank that has no hidden fees, fully discloses its conditions, does not prevent early repayment and makes a decision quickly. The right bank has a whole set credit programs when everyone finds a suitable option for themselves. So, to choose and get the right car loan, you do not need a car dealership. You will do it much better on your own.
The Internet is replete with tempting offers to fill out a questionnaire with a couple of fields. People get the impression that it is enough to indicate a passport with a phone number and a loan “in your pocket”. This is just a publicity stunt. If you did not fill out a detailed questionnaire like ours, then this means that No one has tried to consider your application.. The amount of information requested in the questionnaire is standard and is generally accepted by all banks. It should be borne in mind that any of the items in the questionnaire is required to make a decision - to grant a loan or refuse. The absence of the necessary information inclines the bank to refuse to provide a loan.
Direct way to contact the bank
By filling out this form, you apply directly to the bank
Our participation in this process absolutely free. At the same time, it is likely that we will be useful to you with our professional advice and this will help you quickly get the most suitable car loan. The decision of the bank to grant a loan does not oblige him to receive it. Approval of the application gives you a fundamental opportunity during certain period(3 months) to use credit funds. Interest is accrued from the date of conclusion (signing) of the loan agreement.
Are documents required for review?
In addition to the application form, at least a passport and a second document are required
Consideration of an application for a car loan using one questionnaire is the exception rather than the rule. Almost all banks for lending programs with a minimum of documents have a requirement to provide a passport and a second document. The main second document is a driver's license. You can replace it with a foreign passport, certificate pension fund or TIN.
How to deliver documents to the bank
- With our help .. What is the meaning of the service: translation into a readable form and format, assignment of the correct names to files, sending to the correct address, control of receipt by the correct employee in order to accept the application for consideration. The occupation is troublesome, takes a lot of time, and is usually not appreciated by anyone. And we do not insist and are glad that you saved our time and delivered the documents to the bank yourself.
- Bank office visit. If you think that it is more convenient or safer or more reliable, etc., then submit the documents to the bank during a personal visit. At the same time, by the time of your visit, your completed application form will have already been sent to the bank for its intended purpose, you will not need to fill out a paper version. It is verified that this moment will save you a lot of time
- Bank by email. Worried about your personal documents, but don't have time to visit the bank? Very understandable. Option - send the documents to the bank by e-mail. You can find out the necessary e-mail from a bank employee by phone or, if there are difficulties with this, ask us.
Security of personal data
Personal data
On the one hand, personal data individual applying for a loan must be indicated. Without this, the bank simply will not consider the application. This is understandable, a loan is a purely personal matter, without determining the identity of the borrower, it cannot be obtained in principle. On the other hand, there is a danger of personal information being disseminated to persons for whom it was not intended. Any sane person is interested in preventing this. It can not be in any other way.
Protection of the site and data transmission from intruders
Pay attention to the URL window of your browser on the current page "Application to the bank for a loan". This means that we use a secure https connection, protected by a European SSL certificate. Any transmission of data from our site is securely encrypted and inaccessible to intruders.
Compliance with the law on personal data
According to paragraph 3 of Article 3 of the Federal Law Russian Federation dated July 27, 2006 N 152-FZ (hereinafter referred to as the Law), our company is the operator organizing the collection and transfer of personal data to the bank for further processing. Accordingly, all provisions of the law apply to us, and we, in turn, unconditionally fulfill them.
Declaration of Compliance with the Law on Personal Data
In accordance with the Federal Law of July 27, 2006 No. 152-FZ "On Personal Data" (hereinafter referred to as the "Law"), Auto Without Complexity (hereinafter referred to as the "Operator") hereby declares compliance with the principles, conditions and confidentiality of personal data processing(hereinafter referred to as the "Declaration") received when the visitor fills out the application forms of the site site (hereinafter referred to as the "Site").
The sending of application forms by the visitor is recognized as the fact of familiarization with the Law and this Declaration. By his will and in his interest, the visitor of the site agrees to transfer to the Operator for processing personal data:
last name, first name, patronymic, year, month, date and place of birth, address, details of identity documents, family, social, property status, education, profession, income, and any other information transmitted to the Operator, including by telephone communication and email.
This consent applies to the processing of personal data, including the collection, systematization, accumulation, storage, recording on electronic media and their storage, clarification (updating, changing), use, distribution (including transfer), depersonalization, blocking, destruction of personal data and other methods of processing, distribution of personal data by other operators of personal data, third parties who have and receive access to such data, including due to the technical features of data transfer, as well as legal requirements, distribution by transferring personal data to the Bank for the purpose of conclusion, execution of agreements with the Bank and other purposes specified in the agreements.
All data provided by the visitor in this form are true and accurate at the time of filling. The operator and the visitor acknowledge this electronic form an analogue of the document in writing, signed by the parties. In case of withdrawal of the visitor's consent to the processing of personal data, the Operator will stop processing his personal data, destroy the visitor's personal data within a period not exceeding three working days from the date of receipt of the said withdrawal and notify the visitor of the destruction of his personal data.
Sending application forms by the visitor is recognized as a fact of consent to the transfer of personal data to the bank (s) for processing in order to consider the possibility of granting a loan.
