Promsvyazbank quick money. Loan "Turbodengi" in Promsvyazbank

What do?

How often can you use Turbo money at Promsvyazbank?

I would never have thought that I would find myself in a situation where I urgently needed a generally insignificant amount of cash, but I didn’t have it. And there’s nowhere to take it right here and now.

The cards were all cleaned up for the holiday with purchases at “minus 273 degrees” (why wouldn’t they be cleaned up, if they were for a good cashback, the payment of which is due immediately after the holiday.)

Those from whom it would be possible to intercept “babosiki” - relatives and good friends - are away (holidays, damn it!) And, what can I say, at my age every year more and more phones are not answered. And not because they don’t want to help me, but simply because there is no one left.

But that's not the point. The point is that I began to really consider the need to disturb the deposit in the PSB to replenish the card and then withdraw cash in the morning.
. for which the bank punishes with loss of interest. A What do?

And I went to the PSB website to see what they were threatening for withdrawing “Maximum Opportunities” from my deposit if the minimum balance condition was violated. I read it. I was impressed. It's a pity it became so. percentage lost, terrible.

And suddenly I see “Turbomoney”, wow:
http://www. psbank. ru/Personal/Ambitions/Loans/Turbomoney

Some absolutely fantastic and magical conditions for a generally small fee. Moreover, the online application is processed immediately and in 5 minutes I will receive money into my account. Yay-yay-yay! In addition, I have a PNO connected to Kukuruza from PSB and, having transferred money there this evening, tomorrow I will withdraw the amount I desire at any ATM. (Turbo money in Promsvyazbank how often can I use it) (Turbo money in Promsvyazbank how often can I use it )

“It doesn’t happen like that,” you say. And yes, it doesn’t happen. Or rather, it happens, but not for everyone. But the fact that this is NOT for everyone is silent about this on the PSB website. Moreover, when I tried to find a form to fill out an application, the “fill out” button simply redirected me to “My Bank”. There, I honestly looked through literally EVERYTHING and did not find this application that needs to be filled out!

Having given up, at 10 pm I called GL Bank on the phone 8 800 333 03 03 , where a very polite specialist Natalya gently and caringly “broke me off” to the fullest!

It turns out that Turbomoney is not for everyone. There should be a personal offer for me from the bank in “My Bank” in the form of the “Turbomoney” tab, right under the information about bonuses, but before the “Cards” tab. If there is no such thing, then there is no trial!
. and Turbomoney too.

Figasse. I timidly asked Natalya to give me an accessible link where I could read this on the site BEFORE I start daydreaming like a child. After that, while Natalya was searching, I hung on the phone for about 10 minutes and tried to find something myself in the description of Turbomoney on the website:
http://www. psbank. ru/

Did not find. And Natalya didn’t find it. But she sympathized with my problem in the spirit of the popular meme “there is no money, but you hang in there.” . . eh.

“It’s clear with grandma and Turbomoney, but what does the Turbobroom actually have to do with it?” you ask. HA!

It’s just that when I hung up the phone, I felt like those Nekrasov serfs who

". And they went, scorched by the sun,

Repeating: “God judge him!” Throwing up hopeless hands. "

And then it hit me out of resentment and self-pity - Yandex! I have a Yandex card - on the advice of forum members, it was issued for 1 ruble. Low bow to them!

I quickly recovered the password for the Yandex mailbox and found that there was the required amount there, even if it was withdrawn in cash with extortionate Yandex interest rates.
. but at any ATM!

What I will do tomorrow morning at the nearest store with an ATM SB.

So I got out. But that feeling of wings behind my back, which was replaced by a furious bummer - I wouldn’t wish it on anyone. Especially for clients of PSB, which I generally like.

I am writing this review so that the bank becomes better.

Dear PSB, please, when posting such “tasty” loan products, indicate that they are NOT for everyone.
. for they turn to them in desperation. And it’s a sin to give grandma the wings of Hope only to then rip them out “with the meat”, beating them with a “turbo pumpkin broom.” To the heap.

Promsvyazbank: Turbodengi

Microloans are one of the most common and popular forms of loans at the moment. More and more companies and organizations are opening up offering urgent loans for small amounts without collateral for any need - from urgent purchases to repaying loan debt. MFOs do not require a large number of documents and confirmation of the borrower’s income, and therefore microloans are more attractive to the population.

Promsvyazbank has created the “Turbodengi” service - urgent online loans for bank clients through an application or Internet banking, which can be received on the card within a few minutes after processing the loan. This method of online lending helps to solve financial problems at any time, since it works around the clock, including on holidays - anywhere in the world where the Internet is available.

How to get a "Turbo loan"

Promsvyazbank allows its clients to obtain urgent loans for a short period using a mobile application or online banking. Cardholders can log into the mobile bank using their username and password and, going to the loans tab, select “Turbomoney”. Fill out the form in accordance with the system prompts, select the desired amount and loan term, as well as the account to which the money should be credited.

Salary card holders can receive an urgent loan in the amount of 10 thousand to 100 thousand rubles for a period of one month to one year at 25% per annum.

Clients who do not own Promsvyazbank salary cards can receive a loan for certain amounts and a fixed term at 38.445% per annum:

• 10 thousand rubles for one or two months;
• 15 thousand rubles for one, two or three months;
• 20 thousand rubles for two or three months;
• 25 thousand rubles for three months.

Promsvyazbank guarantees urgent assistance in difficult financial situations, so you can use the funds received immediately after they are credited. The client himself can decide in which store, restaurant, point of sale or service to spend his money, and he does not need to report his expenses.

Turbomoney Promsvyazbank: conditions

An urgent loan in the Turbodeneg service is available to existing clients of Promsvyazbank, however, it is subject to conditions that apply to other loan products of the bank.

The borrower must be a citizen of the Russian Federation and have permanent registration in the country. However, unlike microfinance organizations, Promsvyazbank does not issue “Turbocredit” to persons under 23 years of age and over 65 years of age. The borrower must also sign a comprehensive and remote service agreement.

If the client is unable to fulfill his loan obligations and is late in repaying the loan, he will be charged a penalty in the amount of 0.06% of the amount outstanding on the principal debt and interest for each day of delay until the date of repayment, but not more than 20% per annum if the borrower paid interest for using the loan during the period of delay.

Paid the loan on time. Paid on time. But every time I was denied a loan. Apparently they put me on the blacklist undeservedly.

Svetlana Consumer loans Rating: 1

Paid the loan on time. Paid on time. But every time I was denied a loan and even a credit card. Apparently they put me on the BLACK LIST undeservedly.

• 15 March 2019, 21:50

Yuri Consumer loans Rating: 1

Was deceived by Promsvyazbank (PSB) for 241 tr. when applying for a Consumer Loan (PC) No. 765861092 dated 08/15/2018 in the Sadovo-Spassky office, I became, like most PSB clients, a LOB (a person deceived by the bank).

I contacted the PSB, I needed 1.5 million rubles, 08/15/2018 the PC was approved. In the office, the employee very politely and convincingly told me (or rather, she lied shamelessly) about insurance: with insurance, the interest rate is 11% instead of 15%, and another 241 thousand rubles will be credited to my account. (it’s not clear why?), etc. Then she handed me a contract, not for 1.5 million rubles. and for 1,741,000 rubles, like the amount is 241 tr. will be listed later. Lulled by lies, he did not notice how he signed all the documents.

• 24 January 2019, 20:11

Nemiroff Galina Leonidovna Consumer loans Rating: No

They refused to receive a loan only because I did not provide a receipt for payment of tax, which I must pay only in July 2019, i.e. a non-existent receipt, out of thin air. I have been a client of this bank for 7 years. And there were no complaints against me.

For three days I was asked to bring first one document, then another. They called me from Moscow and interrogated me with passion. And as a result they asked for a document that does not exist. And today they called and explained that for this reason I was denied a loan.

I am shocked not by the fact that I was denied a loan, but by the lack of competence of the employees.

• December 27, 2018, 6:49 pm

Elena Consumer loans Rating: No

Terrible bank. I pay according to the settlement agreement, everything is on time, without delays, I have a payment schedule. Not only did they promise one thing according to the world, but in reality they forced them into unrealistic/deliberately impossible conditions, but there is also a huge arrears in the BKI for the entire amount of the debt. Every month I come to the bank, take a certificate and try to resolve the issue, but to no avail.

Finally, the head of the Ufimsky operational office, Vyatkin Andrey Vladimirovich, located at Ufa, st. K. Marx, 46, instructed his employee to bring me information that it turns out that this issue at Promsvyazbank has not been resolved at the program level, and according to priority priorities, it has been pushed back by management to an unclear deadline. Great!

• 22 October 2018, 14:05

Anonymously Consumer loans Rating: 1

HORROR. I will sue. The loan has been repaid and they have no credit or arrears. And in the BKI there is a debt with late payments. In addition, my credit history was ruined, I wrote a statement and they promised to call me back and silence. How can this be? Theirs is a direct problem that cannot be corrected quickly.

My deal fell through because... I couldn’t get a loan from VTB Bank. There was a refusal. I didn't understand why? I was at a loss. And only SBER helped me establish the reason for the refusal. My credit reputation and history were completely ruined by PROMSVYAZBANK.

This fact will not go away for them just like that - I will sue and expose all the losses...
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Bank division
Additional office "Krasnogorsky" Krasnogorsk, st. Komsomolskaya, 23

• October 3, 2018, 08:43

Sergey Consumer loans Rating: 2

In 2017, I took out a loan from Promsvyazbank and entered into an insurance agreement. A year later, after early repayment, I was told that the insurance could be returned minus the year of using the insurance...

I took out the next loan, which I am now paying off, but they refused to return the funds...they referred to the fact that I am a third party, and such (a third party) is not provided for in the contract (response from the insurance company "Absolut Insurance").

In response to my request directly to Promsvyazbank, they sent me just as politely, hiding behind clever phrases... As I understand it, this is just a scam for money... Well done... I will dissuade anyone who asks about the bank...

• 16 September 2018, 20:34

Kavya Consumer loans Rating: No

I decided to refinance, take out a loan from Promsvyazbank and cover it with another bank. They gave me a loan, but did not explain that there was insurance; when this became clear, I wanted to terminate the contract.

On the second day I came to return the money and return my insurance portion of the amount, but they refused me, they simply deceived me. But I still returned the money to them within three working days and wrote an application for the return of the insurance amount.

But they refused me, in the end I found myself even more in debt, don’t trust people and never take out a loan from Promsvyazbank, they just deceive people.

• March 21, 2018, 07:30

I took out 350,000 at a crazy interest rate, and when I decided to pay it off early, they took all the interest off me.

Nina Consumer loans Rating: No

Disgusting bank. I took out 350,000 at a crazy interest rate, and when I decided to pay it off early, they charged me all the interest... in a word, a thief.

• March 16, 2018, 11:04 pm

Vadim Consumer loans Rating: No

A very bad bank. When the payment is made, they call and extort money. Communication with them can only take place through audio and video recordings with confirmation of payment documents. After that they don't even apologize. They bide their time and don’t notify you of anything in order to collect penalties and interest.

You need to leave there immediately as soon as conditions allow. The Government of the Russian Federation has established new lending rates and a fixed mortgage interest rate, but this is not a decree for Promsvyazbank. My opinion is that the bank is a scammer, just like in the 90s. Who thought, never contact this bank.

Bank division
Operations office "Voronezh" Voronezh, st. 20 years of October, 78

• 26 January 2018, 17:39

Nikolay Consumer loans Rating: No

I, Nikolay Evgenievich Tsvirko, am a client of your bank. On October 17, 2017, I deposited 180,000 thousand rubles into the cash desk of your bank office, of which 169,500, according to my application, should be written off from the principal loan account.

On November 07, I arrived for a new payment schedule and found out that out of the amount of 169,500 credited towards repayment of the debt, half of the amount was credited, why, when accepting the application, the bank operator did not warn me about the money being written off for interest, for you these are just numbers, but for That's a lot of money for me. When I received a new payment schedule, the bank employee also could not answer my...
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• 9 November 2017, 05:16

Andrey Consumer loans Rating: 1

Good afternoon. I, Petrov A.V., on March 22, 2017, applied to the branch of your bank at Moscow, Vernadskogo, 105, building 3 with an application for the return of the unused insurance amount under the loan agreement dated June 25, 2015 No. 263968188. The application was accepted by Balabaeva N.K. .

There was no verbal or written response to my application from your organization, a month passed, I again contacted the above-mentioned bank branch for clarification of the situation, NOBODY could say ANYTHING intelligibly, everyone refers to each other, to the central office for anything, but no response there is none. They offered to re-take my application for work, about which they wrote down a handwritten note on paper, made a note...
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• June 28, 2017, 11:02

Good afternoon everyone, everyone, everyone!

Today I will tell you about the mountain-bank, whose name is PROMSVYAZBANK.

There were times when I criticized Citibank, but you know, times change and, alas, the best comes from comparison... First things first.

A little over a year ago, an enterprise in the city of N succumbed to madness and decided to implement a salary project with debit cards with the help of the aforementioned Promsvyazbank... This bank had nothing to do with it, there was a good rate for currency exchange there, but so be it. Who needs this currency now with such a wild exchange rate? Even a benefit of a couple of rubles no longer warms the soul. Therefore, there was neither desire nor need to make friends, communicate, and even more so use the services of this establishment. Thanks to the head of the organization, the opportunity and need have arisen. Let me say right away that our enterprise is a large industrial enterprise, so there was no immediate concern.

Banks have made it a rule to sell credit cards to their customers along with debit cards. That's where it all started. I did not activate the credit card and did not intend to do this, and then suddenly the accounting department asks everyone to urgently return these same credit cards because ATTENTION: MONEY BEGAN TO BE CHARGED FROM NON-ACTIVATED CARDS. The amounts are small, 300 rubles each, or even less... But the fact itself. The bank sent a statement to the plant, the people were interviewed, the readings were checked several times and it was decided to return the card to the bank in order to avoid a riot, and whoever needs such a miracle, let them arrange it for themselves. The cards were dealt, an unpleasant aftertaste was left, trust was undermined.

Several months have passed, passions have subsided, forgotten, and here on you:

On the morning of one wonderful day - January 30, an SMS comes from the bank with the text, they say, dear, you have an UNAUTHORIZED DEBT IN THE AMOUNT OF AS WELL AS THOUSAND TWO HUNDRED RUBLES. I admit, I was distraught. I withdrew money the other day and transferred it to another card. What kind of debt... I went to Promsvyazbank, explained the situation to the manager, she began to look for something on the computer, let’s click on the keys with her nails, and I was already boiling with anger, since the procession took the manager exactly twenty minutes, during which time she I’ve already had time to giggle with my colleague, CHEW SEEDS, the diva tells me (reading while standing, sit down, because you’ve probably never heard such arrogance and stupidity):

On SEPTEMBER 12 last year (yes, September, and it was already the end of January) you refueled at a Gazpromneft gas station, you didn’t have enough money, the bank gave you a loan. Now this money has been written off.

You should have seen my face, I turned purple with anger and was almost hissing at this lady, poking my no less manicured fingers at the phone display with today’s date, then this same finger rewound the history of correspondence with the bank and found September, in a rage I spoke almost in a whisper to the girl that on the twelfth of September there was more than enough money on the card for refueling, because... At lunchtime that day, my salary arrived, which no one was going to withdraw at that time. Girl, let's fiddle around on the computer again, saying that this happens. You see, people, it turns out that this happens!!! There was money on the card, an SMS notification about the debiting of money arrived, the balance on the card was also indicated, and a few months later the bank robbed you again for the same amount and in justification says that this happens!! Have you ever seen this? ???? The girl, laughing and being afraid, at the same time began to say something unintelligible, found it again and said that in September there really was money on the card, as if it had been written off, but Gazprom’s bank only transferred it in January, imagine what kind of bank Gazpromneft should have in order to not to close the whole year in December, but to carry out the posting in January of the next year?????

Blood was already covering my eyes, I asked for a statement, I wrote out a complaint to them, to which, by the way, I received an answer the other day, which is why I became angry again and got to the point of writing a review here. In my rage, I didn’t look at the dates on the statement, only then I saw that the statement starts from January of this year, and not from September last.

In response, the bank wrote to me that the funds at the gas station were blocked and then transferred, as a result of which a debt arose. SMS notification is a separate matter, about which bank employees cannot say anything.

It turns out that the bank blocked my funds. somewhere and wrote them off again??? Or how? Or the funds were not blocked and written off, then where is my extra thousand two hundred rubles?? Or did the bank simply rob me of this amount?

The same notorious Citibank does everything much smarter and more transparent for clients. If the receiving bank cannot immediately respond and make the payment, then Citibank actually blocks the funds, they are debited from the account and stored in the bank’s buffer, on the Internet you can look and see frozen amounts, which, when the receiving bank responds, are calmly written off and do not bother you, and do not mislead the client. And everyone is happy. What is happening at Promsvyazbank is a mystery. Who and where the money went is still unknown. It’s not about the amount, it’s about the staff, who, not knowing what to answer me at the time of personal appeal for protection, began to speak unflatteringly about competing banks, and for several months they composed an unintelligible answer for me. I might have forgotten and spat, but the other day history repeated itself.

I immediately notified the settlement department of my reluctance to receive money through this unreliable intermediary, blocked the card and began to write a pre-trial claim against PJSC DO ____ Promsvyazbank. I do not indicate the city where the ill-fated institution is located so as not to completely disgrace the faces of the employees...

As for Internet banking, everything is even worse. If you have not registered within a few days of receiving the card, then you will be interrogated with passion by the operator, who will extract everything, take the soul out of you, and only then send you a one-time password for registration... I don’t have the nerves for this anymore. And to carry out any translations or pay for services with such quality of service seems to me crazy...

There are only 2 ATMs in the whole city.. But you can withdraw from a couple more ATMs of other banks without commission. This doesn't make it any easier.

I am also impressed by the fee for SMS notifications. You don’t pay for it all year and one wonderful day, without warning, the bank writes off 500 rubles. What if these were the person’s last 500 rubles?.. What if they had plans for them? You never know, is it really impossible to write in a couple of days, like, dear friend, soon you will have to pay your debts??

I hope my chaotic story, written with a “hot hand,” turned out to be readable and useful.

Choose only the best! Save your nerves, time and money :)

Taking care of you,

The Russian bank Promsvyazbank offers a wide range of loan programs. Clients in need of a payday microloan should pay attention to the Turbomoney product. We will look into the features and conditions of the program in this article.

What is a Turbomoney loan?

Quite often situations arise when a small amount is not enough to buy a new phone, refrigerator or anything else. I want to get a loan from a bank as quickly as possible and without paperwork. The Turbomoney service is designed just for this. It allows you to receive the required amount of funds online within a short time.

Possibilities

The program opens up unlimited possibilities for the borrower. These include:

• Freedom of choice - the funds received can be used at any retail outlet.
• Real money - borrowed funds have no intended use, they can be spent on anything.
• Quick loan - after processing and approval of the application, funds are credited to your personal account within 5 minutes.

Advantages

This program is a profitable product from Promsvyazbank. It is very popular among ordinary consumers, because it has a number of advantages:

• Loan processing is carried out through remote services (Internet banking and mobile application). The client does not need to personally visit a branch of a financial institution;
• the decision on the loan is made in a short time;
• Filling out the application does not take much time. It must indicate the amount and term of the loan;
• The loan size is small, so it will be easy to repay;
• You can get money at any time and in any country.

Loan amount and term, rates, tariffs

The product is designed for Promsvyazbank clients. The loan terms are presented in the table:

Interest on the loan begins to accrue from the next day after registration.

How to apply for a turbo loan?

Many potential borrowers are interested in the question of where they get this loan. Answer: in the Internet banking system. It should follow these steps:

1. Select the desired program.
2. Enter the amount borrowed.
3. Decide on the loan term.
4. Specify the account to transfer funds.

After this, the application will be sent for processing. If the decision on it is positive, the money will immediately be credited to the client’s account.

Conditions and requirements for the borrower

The program is available to most Russian citizens with an average income level. A potential borrower must meet certain requirements:

• Russian citizenship;
• permanent registration in the region where there is an operating branch of Promsvyazbank;
• age from 23 to 65 years at the time of loan closure.

Sometimes a financial institution may not approve an application without stating the reason. If denied, you should resend the request or contact the office to determine the reason and its subsequent elimination.

The Turbomoney loan from Promsvyazbank is a great way to get the required amount in a short time. It is worth considering that the annual rate is slightly higher than that of conventional consumer loans that require proof of income.

Lending programs from Promsvyazbank are an example of a balanced and thoughtful approach to the development of truly in-demand products. Among them, almost all types of loans popular among citizens are available - quick loans, collateral lending, mortgage loans, loans for loyal customers.

Conditions of receipt

Analyzing the terms of consumer lending in many domestic banks, the following trends can be detected:

• the number of offers is limited to one or two types of loans, which may differ in terms of service for different categories of clients;
• Many banks focus on a certain area of ​​consumer lending: they issue short-term cash loans, offer lending only by cards, work closely with retail chains on targeted lending, etc.

Promsvyazbank compares favorably with most banks in that it offers a wide range of loans for consumer needs.

There is nothing superfluous in the range of loan products, and each loan meets the specific needs of potential clients.

Currently, the main areas of lending at the bank are as follows:

• credit cards as one of the standard services of any bank with retail business. Like ordinary consumer loans, credit cards come in various types and are available to all categories of clients;
• quick loans designed as an alternative to many microfinance organizations.
  

  Registration in 5 minutes and almost instant transfer of loan funds make this type of lending relevant in case of urgent need for money;

• consumer unsecured loans for existing clients of the institution. The bank offers its clients preferential lending conditions and strongly encourages the use of its services;
• loans for certain categories of clients, including government employees, bank depositors, as well as salary recipients on cards issued to them.

A good credit history is an important characteristic of a borrower and the key to receiving many preferences when servicing.

For example, the bank offers such clients a credit holiday service. Under its terms, borrowers can defer payments for up to two regular payments. This service is available for all types of consumer lending.

For all available loans, it is possible to submit an application for registration through the bank’s website.

An exception is made only for the Turbo Money program, since this loan is issued remotely, through a special application on a smartphone.

How to apply?

Obtaining a loan from Promsvyazbank is available to clients in three different ways.

Looking ahead, it should be noted that existing bank clients have an advantage, since when using remote service channels they have the opportunity to get a loan without visiting the bank’s office:

1. At a bank branch. This method is available to all borrowers. To receive a loan on the day of application, you must prepare the relevant documents in advance and it is advisable to submit an application through the website.
2. In the remote service system. In a separate menu of the “Client-Bank” system, you can submit an application for a loan.
   

   If the decision is positive, the bank will transfer the amount to the card or current account of the borrower.

3. In a special mobile application. This method only applies when receiving a loan under the Turbo Money program. You need to install a smartphone application and use it to apply for a loan. Funds are transferred to the client's card.

With the use of remote access systems to apply for a loan, customers can enjoy special benefits.

The rate on some loan products may be reduced by 1 percentage point when choosing this method of obtaining a loan.

Bank offers

A loan for consumer needs for government employees offers special benefits for this category of clients: reduced rates, formalities-free processing and prompt access to information about the status of the account.

In addition to reducing the rate by 1 percentage point when applying for a loan online, customers have access to an additional discount of 3 percentage points from the current rate.

If you fail to pay your debt on time, a penalty of 0.6% of the overdue amount applies. Salary card holders can apply for a loan under the same conditions.

Employees of accredited companies can get a larger loan - up to 1,500,000 rubles.

Borrowers under this program have access to the same benefits: the possibility of reducing the loan rate, enabling credit holidays with deferred payments, as well as a simplified procedure for applying for a loan.

A reduced rate can be established after the client connects to the insurance program, which is voluntary.

Clients who have experience working with a bank in the past and have a good credit history can apply for a loan for consumer purposes in the amount of up to 1,000,000 rubles.

If the borrower already has an open loan with the bank at the time of submitting the application, then the maximum amount he can receive will be 300,000 rubles.

No collateral or guarantee is required for the loan. Under similar conditions, the loan is issued by existing bank depositors.

An accessible program called “Turbo Money” is a microcredit service from Promsvyazbank.

It is designed for all clients of the institution. To receive a loan, you need to install a special application on your smartphone or use the Client-Bank system.

Do you want to know how and under what conditions you can get it? Then you need to follow the link provided and read our article.

If you are interested in the conditions for obtaining a Svyaznoy Bank credit card, we recommend reading the following article. Here you will find the latest information and interesting offers

5 minutes after submitting the application, money can be transferred to the client to his account also opened at Promsvyazbank.

Loan terms cannot exceed 3 months. Microcredit is available in amounts from 10,000 to 25,000 rubles.

Terms of consumer lending at Promsvyazbank:

Kinds

The loans presented in the bank’s line are replete with offers for certain categories of clients.

The most favorable lending conditions are available to government employees and salary recipients on bank cards.

For them, the minimum rate is 13.9% per annum (this figure is not the value of the full cost of the loan in its minimum terms).

In addition to the conditions regarding rates and the available loan amount, an additional privilege for this category of clients will be a simple registration procedure.

One passport is enough for a potential borrower. The loan itself can be obtained without visiting the bank by using the remote account access system.

Documentation

As noted above, salary clients and bank depositors can receive a loan using one passport.

• passport;
• income certificate;
• a copy of the work book.

The bank has special loan conditions for potential borrowers.

They consist in the fact that new clients can be issued a loan only with a passport. In this case, the loan size is limited to 300,000 rubles.

Requirements for borrowers

To take out a loan from Promsvyazbank, the borrower must meet many conditions:

• citizenship of the Russian Federation;
• age from 23 to 65 years;
• permanent registration;
• work with official employment;
• the client must not conduct business activities;

• At least 4 months of experience at the last place of employment;

• good credit history;
• registered mobile and fixed line telephone number.

Interest rates

The average interest rates on bank loans range from 15.9 to 25.23% per annum.

Against this background, the offer of quick loans at a rate of 46% per annum stands out significantly.

Maximum and minimum amounts

The amount of consumer loans at the bank is from 100,000 to 1,500,000 rubles.

The exception is the offer of quick loans with a limit from 10,000 to 25,000 rubles.

Deadlines

Clients can take out a loan for a period from 12 to 84 months. The Turbo Money loan is issued for a maximum period of 3 months.

Early repayment of any of the presented loans is allowed without restrictions.

Debt repayment

Carried out by transfer of cash or wire transfer in the following ways:

• through service points of the creditor bank (branches, cash desks, terminals and ATMs);
• via the “Client-Bank” system;
• in other banks according to details.

Advantages and disadvantages

Promsvyazbank's loan products are varied and have flexible service conditions.

The advantages include:

• possibility of remote registration;
• benefits for certain categories of clients;
• low interest rates;
• opportunity to get a loan using a passport.

There are no significant disadvantages.