10 best banks for car loans

It is not always possible to buy a car, but sometimes you can not do without it. And, if the money is not enough, an excellent option would be a car loan for the required amount. This will allow you to quickly acquire a vehicle. But in the process of choosing a bank, it is important to take into account all possible factors - the rate, maturity, loan size and the initial installment of the car loan.

There are plenty of offers on the market, and it's easy to get lost in them. Therefore, in our material we have collected the best banks for car loans, which will help to buy a dream on wheels. All necessary parameters and additional options were taken into account. In the rating we offer to get acquainted with the most profitable and reliable loans.

Top 10 best banks for car loans

The summary table shows data on the best offers of banks. With its help it will be more convenient to choose the most suitable car loan from those described in the top.

Bank	Rate per year	Maximum amount	Return term	Minimum down payment
Sberbank	13,5%	5 million	5 years	15%
VTB	9,1%	7 million	7 years	20%
Center-Invest	9,5%	3 million	3 years	50%
Uralsib	9,9%	3 million	5 years	20%
Setelem Bank	8,31%	varies by car brand	5 years	20%
Union Bank	10,7%	5 million	7 years	15%
Bank of Russia	11,5%	5 million	5 years	20%
UniCredit Bank	10,8%	8 million	7 years	20%
Bank "Saint-Petersburg	10,3%	4 million	7 years	10%
Genbank	14%	3 million	7 years	20%

But the rate indicated in the table sometimes requires effort to obtain. To learn how to achieve the best conditions for car loans, we recommend that you read the detailed description.

10 Genbank

Universal bank with an emphasis on deposits and loans. With the help of a car loan from Genbank, you can buy both a supported and a new car. Depending on solvency, an amount from 100 thousand to 3 million rubles can be given. The repayment period may vary from six months to 7 years. In this case, you can pay off all debts ahead of time without any obstacles or fines from the bank.

For cars with mileage down payment is 30%, for new - 20% of the total amount for cars. There are no different fees or additional payments. And also in the bank in the Crimea, you can get installments from 0% by paying a down payment in the amount of half the price for a car. In this case, the maximum payment period will be 3 years. A small clarification - in order to get the minimum loan rate, you will have to deposit 50% immediately, as well as insure a car with a hull insurance and receive a salary in the Genbank.

9 Bank "Saint-Petersburg

The bank is among the best in the North-West market. Among the official ratings surely takes place in the first hundred. In the reviews, unfortunately, customers point out that there may be a problem when applying for a power of attorney for a loan. But in general, users believe that the bank copes with its responsibilities, and its employees are attentive to detail and will be happy to advise in case of any questions.

On the bank’s website, you can flexibly calculate the required loan and select an approximate interest rate. At least 10.3% per annum can be obtained from the calculator. Conditions - 3 years for a refund and a loan size from 60 thousand to 4 million rubles, but you will need a fee of 10%.If you take a loan for a year, then the first installment will be 0%, but the rate will rise to 14.4%. But it is important to remember that depending on the availability of insurance or its absence, the percentage can seriously increase. The term also will please - you can return the loan for 7 years. A special calculator also calculates payments for you and the minimum income per month.

8 UniCredit Bank

UniCredit Bank attracts with its customer focus - everything is done in such a way that it is easy for every person to get information and find out details. Car loans - the main specialty of this bank. In the reviews, users often indicate that in most cases they turn for them. According to the auto loan programs, the company has more than a dozen offers, tailored to the amounts and interest, depending on the financial capabilities and the needs of different categories of customers. The maximum term for payment is 7 years. To pay for the car in the form of a down payment will have at least 20%.

As part of the car loan design, you can consider various options from buying a commercial car to a motorcycle or a car with a special offer. You can take a loan at the minimum 10.8% for premium cars or 11.8% for foreign cars. To obtain the minimum rate will have to arrange life insurance and health. The maximum amount of such a loan is up to 8 million. Those who need a small amount in a short time should pay attention to the express loan. It is made out in half an hour by the minimum number of documents.

7 Bank of Russia

Responsible bank with favorable conditions for the purchase of new cars. In the reviews, customers note that the bank treats everything calmly and carefully. But it is still worth double-checking the documents in order not to be mistaken in numbers. The main program of the bank for buying a car is “Auto opportunity”. She assumes that the client can receive in debt from 100 thousand to 5 million rubles for the purchase of a new car. When making a loan, you must pay 20% of the price for the car in the form of a down payment. But you can repay debts in the period from 6 months to 5 years.

The interest rate varies depending on the term of the loan in the range from 12 to 12.5%. But customers decided to make a small bonus: those who have a positive credit history are given a discount of 0.5%. So the minimum rate you can get is 11.5%. Only to obtain it you need to be a salary customer, otherwise both borders will grow by 2% immediately.

6 Union Bank

Universal Bank, seriously began to develop the direction of credit programs. One of the main branches of the institution has become a car loan. Unlike other banks, the Union has no diversity in loan options. But, despite the small number of offers, the level of each loan is high, they are beneficial for customers.

In total, the bank offers four main categories of vehicle purchase loans. Buying a new car in the amount of up to 5 million rubles at a rate of 12.2%. There is also the category “Used car”, according to which you can get up to 3 million with a percentage of 13.2%. Buying a commercial car allows a loan of up to 3 million rubles at 10.7% per annum. And a special offer for lovers of GAZ cars - the amount of up to 3 million with a rate of 11.5%. In each case, the payment period can be up to 7 years. But you need to make a down payment of 15% of the price of the car.

5 Setelem Bank

A subsidiary of Sberbank, specializes in issuing loans to individuals, especially fond of car loans. Standard conditions for the purchase of cars are as follows - the rate of 12.6% per annum. The maximum loan amount varies depending on the brand of car. For example, on Lamborghini it is 16 million, and on GAS - 3 million rubles. The term of payment varies from 1 year to 5 years depending on the amount and conditions of contact.But a loan can do much more profitable thanks to affiliate programs. Special conditions are provided for Audi, Chevrolet, Ford, Geely, Honda, KIA, Lada. The loan rate for the purchase under the affiliate program - 8.31%. It is important to ensure that the store is really included in the program.

The loan will have to pay at least 20% in the form of down payment. It is important to know that when obtaining a loan in Setelem, it is necessary to issue a CASCO to the car. If there is no necessary documentary base, the bank has the right to charge a fine of about 10,000 rubles. In the reviews, customers note that from time to time there are failures in the delivery of documents from CASCO to Setelem, you need to check it yourself.

4 Uralsib

One of the best banks in Russia, which is actively developing regional areas. Takes place in the list of 30 largest institutions. Mainly specializes in account maintenance and lending. The best conditions for loans can be obtained under the Autopartner program. It allows you to arrange a loan at the rate of 9.9% for new cars under a partnership agreement. For used cars, the percentage is 12.5%.

In the standard package, everything is a little sadder: the percentage per year is at least 14.7%. The bank paid particular attention to the domestic producer, so you can take out a loan on LADA without extra fees and guarantees. The minimum rate in this case will be 10.9%. The maximum loan amount is 3 million rubles, and its repayment period is 5 years. Be sure to have to make a minimum of 20% of the contribution of the full price of the car.

3 Center-Invest

In terms of the minimum interest for a loan, Center-Invest can be called one of the best. Since 9.5% in modern reality seems like a fairy tale. This rate applies to both used and new cars. But to get the best rate, you must pay a half of the amount assigned for the car. The maximum cost of transport can not exceed 3 million.

From the pleasant - in the same bank there is an alternative. You can consider a loan is not with such a nice percentage, but with a longer period. This is a loan for passenger transport with a repayment period of up to 7 years at 13.75% per year. At the same time it is necessary to deposit only 10% of the total amount. It is worth noting that the rate and fee may increase depending on the price of vehicles.

There is also a preferential program with the participation of the state for the purchase of cars in 2016 and 2017. But then they should cost no more than 1.45 million rubles. In this case, Center-Invest will give a loan for 3 years at a rate of 8.5% to 9.5% per year. Mandatory fee will be 20% of the price of the car.

2 VTB

VTB is deservedly included in the list of the best banks for auto loans. And for good reason. Because it offers many loan programs for new and used cars. You can purchase transport both from individuals and official dealers. Motorcycles without CASCO are also available for purchase. In addition, there are special offers from various car manufacturers. As part of their proposals, you can further reduce the rate. For example, Subaru offers 5.5% per annum.

From the general offers, the “Autoprivity” program stands out. It offers a minimum of 9.1% per annum for the purchase of cars. The proposal can get up to 7 million rubles for a period of 7 years. In addition, the minimum fee will be 20% of the price. But in order to obtain such conditions, it is necessary to arrange CASCO, life insurance and the package “Automobile Lover”.

1 Sberbank

Sberbank is one of the largest and most reliable banks in 2018. Over the years, he earned the trust of his clients and many positive reviews. Thanks to the loan in Sberbank, it is equally possible to buy both a new and a used car in the same way - the conditions for this do not differ. The maximum loan amount is 5 million rubles with an interest rate of 13%. Such a loan can take a maximum of 5 years.Be sure to make the first installment, which is at least 15% of the price of the car.

The convenience of Sberbank is that after approval of the loan there are 90 days to choose a car. I am glad that there is no commission for issuing a loan. But there is compulsory insurance. The minimum rate of 13.5% is available to customers if they have a retirement or payroll account or a similar card when they make a loan for 1 year. A nice feature is that if you initially pay 30% of the price of a car, then with a loan of up to 5 million you will not have to confirm income or employment.

Popular vote - which bank is better for taking a car loan
We vote!

Sberbank

VTB

Center-Invest

Uralsib

Setelem Bank

Union Bank

Bank of Russia

UniCredit Bank

Bank "Saint-Petersburg

Genbank

Other

Total votes: 15

Vote results