The need for money is inherent in every person.
But what if you feel the need for an amount much larger than you have?
If you need money to realize your dreams, purchase the necessary household or computer equipment, go on vacation and other things, then the most popular solution is a loan.
There is a wide variety of loan products, banks, and lending conditions vary. Axon Bank provides a wide range of loan programs that provide optimal conditions for each borrower.
Without specialized education, experience in the financial market, the choice may indeed seem difficult. In this article, we will try to deal with existing proposals, their features and parameters.
How to get a loan from Axon Bank?
Axon Bank - financial institution regional direction. Its activities are aimed at attracting Money in deposits, lending, providing a high level of service and providing customers.Via banking organization many citizens Russian Federation have the opportunity to get a car loan, consumer credit.
Moreover, in the function financial organization Includes credit cards and deposits. Among the bank's clients, consumer credit is in the lead in terms of demand. He is able to satisfy every need.
Citizens of the Russian Federation turn to Axon Bank, since it has a number of advantages - minimal time spent on obtaining a loan, a simple package of documents required for obtaining a loan.
The package of documents required for obtaining a loan from a banking organization includes:
A photocopy of the passport;
work book;
Driver's license, pension certificate;
TIN;
income statement;
Military ID - valid for men under the age of 27 years.
Axon Bank puts forward the following requirements for the borrower:
The presence of citizenship of the Russian Federation;
Having a good credit history;
Age from 18 to 65 on the date of loan repayment.
The borrower can repay the loan in any way convenient for him - in the branch of the financial institution "Akson" in cash, by means of a salary card, in any other banking organization by bank transfer, using terminals, electronic transfer.
Loan products:
You can get cash in cash using the following loans:"Service". Making a loan will be beneficial for representatives of the Armed Forces and law enforcement agencies of the Russian Federation. Credit is provided for a period of 6 to 36 months. The interest rate ranges from 14 to 28%. Loan repayment is made by annuity payments. The amount of the loan is determined by the financial institution, depending on the confirmed income potential borrower. Funds are transferred to bank card which opens free of charge. For late repayment of the monthly loan payment, the borrower is subject to a fine. The amount of the fine is 0.05% of the loan amount daily;
"Pension". This loan program involves the issuance of a loan to the borrower up to 1,000,000 rubles. The loan repayment period is from 6 to 36 months. The interest rate ranges from 14 to 28%. The loan is repaid monthly in equal installments;
"A Million Possibilities" Distinctive features of the loan program are that it is provided only with a passport, for any purpose. In addition, a loan can be issued at a reduced interest rate for customers who have a good credit history. A loan is provided for a period of 12 to 36 months. The interest rate ranges from 17 to 30%. The maximum possible loan amount is determined for each borrower individually. Payment of credit funds must be made monthly, in equal installments;
"Privilege". This loan program is intended for those clients of a banking institution who have deposits;
"Fast". Among the advantages of the loan program is the fact that only a passport is needed to obtain it, no security is required. Loan term is 6, 12, 18 and 24 months. The interest rate on the loan is 40%. The loan is repaid monthly, in equal installments;
"Refinancing". Making a loan will be relevant for those who want to reduce the monthly payment amount. It is provided to the clients of Axon Bank;
"Reputation". This loan program is available to those who have an impeccable credit reputation in Axon Bank or any other financial institution;
"Collective". If you want to get a loan for a large amount of money, then this loan program will come in handy.
Having decided to use any of the listed credit programs, you must submit an application to a banking organization.
It will be reviewed within 3 days. After that, you will know about the decision made.
It is worth considering that, in case of refusal, the reason is not explained to the client.
Write a review
They took a loan for vacation, 20% can only be withdrawn from the card, and the rest from the card, this is very inconvenient, I don’t know what they are thinking about when they come up with such conditions. Then they imposed an insurance of 11 thousand. And instead of 60, I took out a loan of 73 tr, then it turned out that I had a debt, although they paid on time. They themselves withdrew money for the phone (SMS notification) and they themselves said that it was impossible to do this. Got me a raise interest rate. One negative, I will never contact this bank again, a scam and only a scam. Do not take anything from this bank.
Portal administrator 03.09.2018 20:18
We accept feedback without evaluation.
Aksonbank 29.08.2018 15:07
Dear Bhbyfrf!
Hello.
We have studied your situation in detail.
When applying for a loan product, you yourself chose the option of lending with voluntary insurance life and health by personally signing the application for insurance, as well as the application form for a loan. You had the opportunity to refuse to conclude a loan agreement, choose another credit institution or another insurer, as well as conclude an agreement without the condition of joining the insurance program.
The loan is provided by the Bank regardless of whether the Client chooses Additional services or not.
We provide services in accordance with our tariff policy, the details of which you can always find on the Bank's website in the "Tariffs" section https://aksonbank.ru/tariff/
We provide you with a choice of loan products. You had the opportunity to choose the most suitable product for you from those offered, namely the one that did not intended use 80% of the loan amount for non-cash payment for goods and services. The loan is provided by the Bank, regardless of what loan product chosen by the client.
The employees of the Bank's office, of course, did not aim to create difficulties or inconvenience you. If so, please accept my apologies.
Sincerely,
Axonbank.
28.08.2018 10:33
Bank response
Bank response
I took a loan from this bank "express lending" and regretted it. Made all payments. But it turned out that I was on the black list. On top of that, I get a letter from the court about the delay. I called the bank and they didn't provide any information. This bank ruined my credit history.
17.03.2018 13:52
Two months ago I applied to the bank for a loan. The girl filled out the questionnaire and said that the loan was approved. I take a loan to celebrate, and I understand that the amount is more than 27,000 tons of rubles! I ask why so, the girl explains that this is the amount of insurance! Wow! She immediately said that I did not need insurance, to which the girl replied - “without insurance, you will not be approved for a loan”! This insurance is mandatory and if the bank approved it, then there is no other option! but you can write an application for a refund for insurance within five days!
In general, I take a loan, because the money was needed urgently. Three days later I came and wrote a statement. I was told that a letter about the decision would come within a month! Today I received a letter of refusal! They refer in the letter to the fact that the insurance is voluntary and no one forced me that the loan would be approved without insurance! I read the law where it says that I agreed and I can refuse within five days from the date of signing! And what about the words of the girl who assured that without insurance you will not be approved!
In general, I will go to court! But I will already demand moral compensation and for insurance! Since this is a hoax !!! and the bank also changes the terms of the loan if you withdraw cash from the card! In general, they are deceiving! The worst bank!
15.01.2018 9:03
In general, there are no complaints about the bank. I have a credit card there. In the brochure issued upon receipt of a credit card, it is written that on the 10th of every month I will receive the amount of the monthly payment by e-mail. After waiting until the 20th, and not receiving anything by e-mail, I went to the bank. They said that the e-mail informing service is not working yet. I ask how much I have to pay at least this month? The answer is 1000 rubles. I paid. I'm going back to the bank next month. I ask - how much? The cashier girl answers me - your current interest is generally 94 rubles, this is the minimum for payment. Nice, however. I pay 3,000 so that I don't have to worry next month. Since I suspect that the minimum payment cannot be so minimal. I rent 2500 per month.
25th of the next month. I miss. I think that there is enough money thrown in (although I suspect that I could be wrong, but I ventured to check). A week later, they call from the bank and say that they had to pay 1800. I rush, I cry. Next number 25. I come to the bank. I'm being voiced a small amount, I pay 1000 for good measure. And here is September 25th. Transferred 1,500 from another card. Today they call on delay. What's the delay? the answer is that it has been going on since last month, there are a few rubles there (I quote verbatim!). What exactly is the amount? The answer - I can’t say for sure, go to the bank today, clarify and pay, otherwise I will call you. What more i can say.
I go to the Internet bank, there is information that I have 638 rubles on my account, of which 138 rubles are available. No information about debt. I call the bank branch in my city. Sorry, they answer, we do not give information by phone.
In general, in the evening I'll go to the showdown ... I'm sick of it. Is it really impossible to at least send the amount of the monthly payment by SMS?
Alexxxx2 23.01.2014 15:56
The problem was solved, my personal account was deleted and created on a new one. There appeared all necessary sections.
At the moment, I repaid the loan in this bank ahead of schedule, the credit card was destroyed in my presence.
Among the bank's financial services for individuals, two consumer lending programs are offered. Borrowers who meet the requirements can receive up to 10 million rubles. To take a cash loan from Axon Bank, it is enough to fill out an online application on the official website of the company.
Product Terms
Through an online application at Axon Bank, one of two consumer cash loans can be issued.
Express Loan Program:
- The rate is 15.9% for all clients and 13.9% for preferential category of borrowers.
- The amount is from 30 thousand to 300 thousand rubles.
- The term of the contract is from 1 to 3 years (multiple of 12 months).
To conclude a loan agreement, you will need a passport of the Russian Federation and SNILS. Without documents on income, you can take up to 150 thousand rubles, otherwise you must submit a certificate in the form of Axon Bank, 2-NDFL, an extract from the PFR or a pensioner's certificate. Borrowers who have successfully closed a previous loan in the amount of more than 100 thousand rubles in Axon Bank do not need to provide certificates.
If you need to take a large amount, you can use credit program"Capital". As part of the product, the bank issues up to 100 million rubles, the minimum threshold is 300 thousand. You can return the borrowed funds within 1–5 years, while the overpayment percentage will depend on the duration of the contract. And also the cost of the loan is affected by the availability of insurance.
Detailed conditions for the rates of the "Capital" program are indicated in the table.
| Term, in years | Contract with insurance | Contract without insurance |
|---|---|---|
| 1 year | 9,50% | 19,5% |
| 2 years | 16,5% | 22,0% |
| 3 years | 17,5% | 22,0% |
| 4 and 5 years old | 18,0% | 22,0% |
The contract for life and health insurance services is concluded on a voluntary basis, but such a decision will allow you to get the maximum profitable terms. The cost of the policy depends on the amount of the loan and is 5%.
A package of documents for submission to LLC CB "Axon Bank": passport, SNILS, certificate of the amount of monthly income (account statement from the PFR on accrued pension, 2-personal income tax, pension certificate, certificate of employment in the form of a bank).
How to apply online
Drawing up an application for a loan is carried out on the official website of the bank. Here you need to select the appropriate offer and click on the "Finish" button, after which a form will open to fill out.
It must provide all the requested information:
- the amount and term of the loan;
- FULL NAME. and date of birth;
- mobile phone and email address;
- passport data: number, series, subdivision code, date of issue;
- address of permanent residence;
- SNILS;
- position.
The period for generating a response to an online loan application is from 5 minutes to 3 business days. After, the bank sends a notification about previously approved loan or refusal. Then a package of documents must be submitted to the bank for consideration, after which the loan manager will announce the exact terms of the loan - the amount and interest rate. In special cases, third-party guarantees may be required to receive funds.
A credit card with a grace period for lending to Axon Bank can be issued without proof of income by presenting a passport and SNILS. In addition to the fact that a credit card allows you to use the borrowed funds of the bank for 50 days without interest, it can be used to return purchases in the form of cashback.
Requirements for borrowers and conditions of the program
The card can be obtained by borrowers with good credit history aged 18 to 75 years. Income confirmation is not required, it is enough to present a passport and SNILS. The client must have mandatory registration in the region where the bank is present, and the length of service at the last place of work must be at least 4 months.
Credit card MasterCard Platinum is issued for up to 3 years. Credit card amount from 30,000 to 100,000 rubles. When the conditions of concessional lending are met, the use of funds is free, but when going beyond the interest-free period, a rate is applied that depends on the category of client:
- For those who do not have a history in the bank, the maximum rate is set at 29.9%.
- The minimum rate of 14.9% is available to borrowers of Axon Bank, subject to the availability of at least 3 closed loans in the amount of 1,000,000 rubles or more.
- The rate of 24.9% is intended for customers with previously issued loans from 100,000 rubles.
Credit card from Axon Bank
Credit card amount
from 30 thousand rubles to
100 thousand rubles
Grace period
up to 50 days
loan rate
from 14.9%
per annum
* - get up to 7% cashback on purchases
In both cases, no delays should be recorded - a maximum of 7 days for the entire service time.
The grace period applies only to non-cash transactions. You can use borrowed funds without paying interest for 50 days. Start grace period is fixed at the time of the first purchase and continues until the 20th day of the month following the month in which the first purchase was made. If the conditions of concessional lending are not met, it is possible to pay in installments. The minimum payment - 5%, but not less than 320 rubles plus interest for use, must be paid no later than the 20th day of the month following the month of the debit transaction.
There is no commission for issuing a card, and the cost of servicing depends on the activity of the client and amounts to 49 rubles per month, subject to the repaid debt, and 249 if there is an open debt on the settlement date. For storing own funds on the card account, income is accrued:
- For amounts up to 10,000 rubles - 1% per annum;
- From 10,000 to 50,000 - 2%;
- From 50,000 to 150,000 - 3%;
- From 150,000 to 300,000 - 4%;
- From 300,000 to 500,000 - 5%;
- From 500,000 - 1%.
Cash withdrawal by credit card is possible with a commission of 5.9% of the withdrawal amount, but not less than 500 rubles. Cash withdrawal from an ATM more than 50% of the established credit limit impossible. There is no commission for withdrawing your own funds.
At the request of the client, it is possible to connect SMS informing for 49 rubles per month.
Conditions for receiving Cashback
A credit card is issued with additional features and allows you to receive income from purchases in the form of cashback with active use. Bonus amount:
- With the amount of purchases up to 10,000 rubles per month - cashback will be 0.1%.
- From 10,000 to 30,000 - 1%;
- From 30,000 to 75,000 - 1.2%;
- From 75,000 - 1.5%.
- The maximum refund of 7% is charged if the total amount of purchases on the card is from 150,000 rubles per month and there is a balance of own funds of at least 500,000 rubles.
Cashback cannot exceed 5,000 rubles per month and 60,000 rubles per year.
Axon Active installment card
Special banking product designed for active buyers and clients of the AKSON shopping center. The client receives up to 100 days of installment plan for purchases in this hypermarket (including on the akson.ru website) using the card.
Axon Active installment card
Card limit
up to 100,000 rubles
Grace period
up to 90 days
loan rate
installed individually
* - cardholders receive installments at 0% for 3 months for purchases on the Akson.ru website or in the AKSON shopping center
Maximum amount as part of a credit line - 100,000 rubles, the loan term is no more than 36 months. MasterCard Unembossed credit card without annual service is issued for 5 years. For registration, you only need a passport and SNILS.
During the grace period, it is necessary to make mandatory payments in the amount of 8% of the amount spent, but not less than 500 rubles, by the 15th day of each month following the month of making purchases. The card is intended only for payment of goods, without the possibility of withdrawing cash.
A credit card can be redeemed without commission:
- At Axon Bank self-service terminals by depositing cash on a card.
- At the cash desk when depositing from 50,000 rubles to the account.
- When depositing amounts up to 50,000 to the cashier, you will have to pay 150 rubles.
You can pay off the debt in any other convenient way: through the Russian Post, mobile phone stores,
The necessary information about the parameters of the credit card, the amount of debt, and the balance is easily tracked in personal account. You can also order a callback or contact a specialist yourself. hotline by number 8 800 100 1500.
You can apply both at the bank office and on the website by filling out a questionnaire. When submitting an online application, it is necessary to fill in the blocks with personal data, registration address, brief information about employment (industry direction of the position and type of position).
It will take several minutes to make a decision, after which the bank manager will call you to determine the nearest office and a convenient time to receive a credit card.
Offices for receiving the card are located in the cities: Vladimir, Vologda, Kostroma, Ivanovo, Kirov, Rybinsk, Tambov, Cherepovets, Yaroslavl.
Borrowers from other cities can take advantage of offers on and.
