If you decide to take out a loan, then you should pay attention to the young Cetelem Bank. This organization has been operating in the Russian Federation since 2012 and has successfully won its market share from the Russian credit market giants. The fact is that Cetelem brought to our country the European level of customer service, which is what our banks are guilty of.
If you are going to take out a consumer loan in cash, then this bank provides some of the best conditions for new clients, since they haven’t had time to recruit old ones yet and therefore they give out money under excellent conditions to almost everyone. There are also many agreements with major stores where you can purchase the things you need in installments without overpayments. What else makes this organization stand out? And the fact that it is much easier to get money in your hands here than at Sberbank, where the approval rate is very low.
Right now you can apply for an online loan at Cetelem Bank. A specialist will process your application within 24 hours and contact you to provide personal lending conditions.
Lending terms
One of the most popular consumer loans is a cash loan. Cetelem Bank provides it for the urgent needs and requirements of borrowers.
The loan is issued for a period of 12 to 42 months. The loan can be obtained within from 15,000 to 150,000 rubles.
The fee for using a loan depends on certain parameters and can range from 36% per annum.
The bank does not charge additional monthly fees. Moreover, there are no additional payments for the consideration and approval of an application for the issuance of the requested amount. Loans are issued only in rubles.
Cetelem Bank offers various lending conditions and loan programs. Let's look at the main type of loan that consumers often need. This is a non-targeted loan.
A consumer loan in cash, which is issued for any need, and you do not need to report on the funds spent.
Cetelem Bank provides cash loanon the following terms.
How to apply?
You can get a cash loan from Cetelem Bank on the day you apply.
To do this you need to follow several steps:
- Come to the bank office and write an application for a loan.
- Wait for a response that will be received by the potential borrower within a few minutes.
- If the decision is positive, provide a passport and other documents confirming your identity to draw up a loan agreement.
- Read the loan terms in detail (read the loan agreement).
- If the conditions suit you, sign a loan agreement.
- Get money.
Online application
Cetelem Bank does not provide an online application for a cash loan. To apply for a loan, you must personally visit an office or retail outlet where there is a bank representative.
You can fill out the application form directly on the spot, wait for a response within a few minutes, and if it is positive, proceed to draw up and sign the loan agreement.
Cash loan without income certificate at Cetelem Bank
To get a loan from Cetelem Bank, you just need to write an application (fill out a form) and bring the documents requested by the bank.
Typically, Cetelem Bank asks the client for a civil passport and a second document that proves his identity.
The credit institution does not request additional information, especially about income.
However, the loan officer checks the potential borrower's credit history. And the answer largely depends on whether it is damaged by the client.
To get a cash loan, you must be a citizen of the Russian Federation, as well as registered in one of the regions where the bank operates.
The bank does not ask for collateral, guarantee, or official confirmation of the borrower’s income. Applying for such a loan is quite simple. The answer is provided in a matter of minutes.
Want to know how to get a cash loan with bad credit? Then you need to follow the link provided and get acquainted with the most current information on this issue. 
Requirements for borrowers
If a potential borrower expects to receive a cash loan, then he must meet certain requirements prescribed by the lending institution, namely:
- be a citizen of the Russian Federation who is at least 21 years old and not more than 65 years old;
- have permanent registration in the region where the bank operates.
Cetelem Bank may prescribe other requirements, non-compliance with which will lead to a refusal to issue a loan.
List of documents
To apply for a loan, a potential borrower must fill out an application form and also provide:
- passport;
- another document of the borrower’s choice: foreign passport, driver’s license, TIN, or others.
The bank may request other certificates and documents that confirm the borrower’s solvency.
You have the right to choose any option from the second paragraph by providing it when completing the documents. A passport is a prerequisite for receiving funds and even submitting an application.
- Sample loan agreement of Cetelem Bank
- Sample income certificate 2-NDFL
Is it possible with a passport?
You cannot apply for a cash loan at Cetelem Bank using only your passport. In essence, the application is submitted using passport data, but it is very important to provide an INN, policy or SNILS for bank identification, because this will not be difficult.
Repayment procedure
You can repay any type of loan using:
- bank transfer from a card or from cards of other banks;
- terminals;
- via Internet banking;
- by establishing a monthly transfer from wages or other income.
nam-pokursu.ru/setelem-bank-kredit-nalichnymi
Consumer loan in cash
In addition to cash loans, Cetelem Bank also offers other consumer loans.
To date, the bank has developed four loan programs:
- No overpayment 2014 – this loan is intended for borrowers who make purchases on the M.Video network.
The interest rate on the loan is 15.9-59.9%, down payment – up to 50%.
An agreement was concluded between the chain of stores and the bank, thanks to which all borrowers who purchased goods on credit receive a discount, which is credited towards interest repayment. It is this fact that makes it possible for the payer not to overpay for goods purchased on credit.
- Express Plus 2014 - a loan can be issued for the purchase of absolutely any product for 6 - 36 months at 35.9% per annum.
The down payment can range from 0 to 90%. - Ultra Light – loans are provided for the purchase of large equipment, furniture, and other expensive items. You can apply for a loan both in partner stores and directly at a bank branch.
The offer of a credit institution is one of the most profitable: the fee for using borrowed funds is 30.7-49.4%, but due to the discount provided by the retail outlet, this loan is similar to a loan at 15% per annum.
Down payment – 0-20%, loan term – 10, 12, 18 months.
- Loan 10-10-10 2014 is the simplest and most convenient consumer loan, which is provided for the purchase of any product with a fixed interest overpayment of 10%. The down payment is also 10%, the loan term is 10 months.
For all types of consumer lending, the bank does not charge any service or registration fees.
Maximum and minimum amounts
Depending on the loan program that potential borrowers are applying for, we can talk about maximum and minimum amounts:
- “Cash” - 15,000 – 150,000 rubles;
- “No overpayments 2014” – 2,500 – 450,000 rubles;
- “Express plus 2014” - 30,000 – 450,000 rubles;
- “Ultra Light” - 5,000 – 200,000 rubles;
- “Credit 10-10-10 2014” - 10,000 – 50,000 rubles.
Interest rates
The fee for using credit funds depends on several factors: the term, the loan amount, as well as the specific loan program.
The table shows the interest rate scale in more detail.
The interest rate on a cash loan ranges from 19.9 to 39.9% per annum. Comparing the rate with other programs, you can see that this offer is very profitable.
Thus, according to the bank’s current programs, there are the following annual rates on loans:
- “No overpayments” – from 15 to 40%, but due to the store discount it is equal to from 0 to 15%;
- “Express Plus” – flat rate of 35.9% per annum.
For how long does the bank issue a loan?
A cash loan from Cetelem Bank, which can be spent on any purpose and need, can be obtained for a different period.
The bank offers loan programs up to 12 months, as well as from 12 to 42 months.
If the borrower takes out a consumer loan to purchase goods at a retail outlet that is a partner of the bank, then the term can be up to 36 months.
How does the repayment work?
You can repay the loan in one of the following ways:
1. No commission:
- at Sberbank cash desks;
- through Sberbank online;
- in Sberbank terminals.
2. With commission:
- in QIWI terminals – commission 1.6% of the amount, but not less than 50 rubles;
- in Eleksnet terminals - commission 1.5%, but not less than 50 rubles;
- payment system "Rapida" - commission 1%, but not less than 50 rubles;
- branches of Russian Post - commission 1.7%, but not less than 40 rubles;
- through third-party banks - the commission is set individually.
You can also enable functions on your bank card to automatically debit the required amount of funds and credit them to your loan repayment account.
The commission amount is set according to the tariff of the bank that issued the card.
Video: Philippe Delpal in the Banki.ru program “First Persons”
Decor
Applying for a cash loan or consumer loan will not take much time.
You must contact a bank branch or representative office and perform the following actions:
- Write an application for a loan.
- Wait for an answer. Usually you can receive a response within 30 minutes; if the time is delayed, a bank employee will definitely inform you about it.
- Provide all documents.
- The bank does not ask for proof of income, but usually checks your credit history. It is important that it be positive.
- Read and sign the loan agreement.
Advantages and disadvantages
Advantages of lending at Cetelem Bank:
- a large selection of loan products (targeted and non-targeted loans);
- You can apply for a loan either at a bank branch or at a retail outlet;
- You can get a loan without guarantors and certificates;
- minimum package of documents;
- instant response;
- no additional fees for reviewing or filling out an application;
- there is no monthly commission;
- You can cancel the loan within five business days.
As for the disadvantages of lending at Cetelem Bank, then, naturally, this is a high interest rate.
Therefore, before signing a loan agreement, carefully study all the advantages of such lending.
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Cetelem Bank credit cards
Credit cards are quite a successful banking product. Credit cards are offered by financial institutions in addition to existing deposits, debit cards, consumer loans, when purchasing goods, in shopping centers.
The choice of product often occurs “on the run,” when the client signs up for a service without reading the terms and conditions of its provision.
In addition, most banking agreements are printed in small print, which is also not conducive to studying them. At points of sale, they impose the easiest and most unprofitable loans.
This is precisely the strategy for offering credit products to the population that is characteristic of Cetelem Bank. The credit institution's main activities are carried out in chain stores and car dealerships.
Despite its focus on retail services, the bank offers only one type of card. Cetelem Bank often issues credit cards in addition to consumer loans for goods.
Conditions for purchasing a card
The only credit card available from a financial institution is Mastercard Cetelem. Issue and use are carried out by receiving an offer from the bank.
The terms of use are the same for all clients. There are no preferential categories of users, bonus programs, or the ability to change the card limit.
Comparison of the card with other credit offers often plays against Cetelem Bank, but offering the product at retail outlets has created a certain customer base.
The main conditions for issuing credit cards are presented in the table:
Clients are provided with a free SMS notification service. You can make non-cash payments through the program of the parent organization Sberbank-Online.
The “My Bank” application has been launched on the official website of Cetelem Bank. This is not a full-fledged online bank, but a reference information service.
With its help, you can find out the amount of debt, the amount of the minimum payment, and the credit limit. Making payments in the system is not available.
You can log into your personal account via the Internet or from a mobile device. To gain access, simply enter your passport number, account (card) number, and registered phone number.
Credit cards do not provide refunds for purchases (cashback) or participation in bonus programs.
Discounts may be provided on special offers. So until 12/31/16 there are two programs:
- free 10th procedure at the spa complex;
- 10% discount on cinema tickets.
There are also discount programs of the payment system.
How to apply for a credit card at Cetelem Bank?
A credit card is issued after an offer from the bank. A financial institution issues cards to borrowers who have taken out a consumer loan or other bank loan products.
The signing of the agreement is completed along with other documents. The card is sent by mail. The bank operates through sales points in dealerships and shopping centers. This is where the paperwork takes place.
Along with loan agreements, the bank imposes additional insurance. Payments under insurance policies are included in the total loan amount, and sometimes the client does not even suspect the existence of insurance.
There is no provision for independently concluding credit card agreements. The online application form is not valid.
Bank offers
Any bank proposals for issuing a card, increasing or decreasing the limit, increasing or decreasing the rate are sent via SMS messages.
Also, all the news, as well as the size of the limit and minimum payment and the payment deadline can be found in the “My Bank” application.
Limit
The size of the maximum credit on the card is set individually depending on the assessment of the client’s solvency.
The bank can independently increase the limit if the loan is fully used over several payment periods and the minimum payment is paid on time.
In case of late payments or non-payment, the limit may be reduced or the card may be blocked.
Limit limits: from 5,000 to 120,000 rubles.
Is it possible to withdraw cash?
Cash can be withdrawn from Cetelem Bank ATMs. For this you need a PIN code.
A digital code can be generated by calling the bank's hotline. The PIN code cannot be changed; if it is lost, the card will have to be reissued.
Cash withdrawal fee: 4.9%, not less than 490 rubles. There is no differentiation by source of funds. You will also have to pay if you withdraw your own funds.
Receipt of money at the cash desks and terminals of other credit institutions will increase by the amount of the commission of another bank.
The cash limit is set at 50% of the limit. The bank can set individual limits for cash withdrawals.
How to check your balance?
There are several ways to check your Cetelem Bank card balance:
- at a bank or other credit institution terminal (fees may apply);
- by calling the hotline;
- through the Sberbank-Online system;
- in the “My Bank” program on the official website.
Requirements for obtaining a credit card
According to the bank's rules, credit cards are issued to borrowers subject to the following conditions:
- presence of Russian citizenship;
- registration in the region where the bank operates;
- age from 21 to 65 years.
Documentation
To obtain a credit card, the borrower provides:
- Russian passport;
- second document (SNILS, TIN, driver's license, international passport);
- document confirming income (2 personal income tax, a certificate in the bank form, for entrepreneurs - 3 personal income tax, UTII or Unified Tax Declaration).
Income verification depends on the loan amount. With a low limit, proof of income is not required.
Interest
A single lending rate has been established at 35.5%. Subject to compliance with the conditions of preferential lending, the interest rate is zero. Grace period applies to non-cash payments for goods and services.
Cash withdrawals are not included in the benefits. Interest on a cash loan is calculated from the moment of receipt.
Deadlines
The interest-free loan period begins on the 1st day of the month of purchase (“unfair grace”).
The debt must be paid by the 25th of the next month.
For each type of loan, Cetelem Bank has different loan terms, it depends on your financial ability to repay, as well as the loan amount.
Let's look at the differences using a table.
Debt repayment
If the grace period is not met, the minimum payment must be paid monthly by the 25th. The repayment amount must be at least 7% of the debt and bank commissions.
You can make payments free of charge through Sberbank’s own ATMs and terminals, as well as through the Sberbank Online system.
In addition, you can repay the loan:
- non-cash transfers to a card;
- postal transfers;
- Internet transfers from other cards;
- through payment terminals QIWI, Eleksnet;
- at Beeline, MTS, Euroset service points;
- at “Pay on the go” payment acceptance points (Eldorado, M-video, Tekhnosila).
When depositing money, you must take into account the deadline for crediting funds.
Advantages and disadvantages
The pros and cons of Cetelem Bank credit cards are presented in the table:
You can use a credit card profitably if you meet the terms of the grace period. Lending above the discount is very expensive.
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About the bank
Cetelem Bank LLC is engaged in financial activities providing loans throughout Russia.
It is a client-oriented bank. Offers a wide range of services:
- consumer loans;
- car loans;
- targeted loans;
- credit cards;
- loans to small businesses.
Cetelem Bank also provides consumer loans for household appliances, furniture, and other large purchases.
It has retail outlets in many large retail chains:
- El Dorado;
- The Snow Queen;
- M Video;
- the world of fur and leather;
- cuisines of the world, etc.
It is also a partner of such large car dealers as:
- major
- Genser
- Rolf
- autoworld
- Avilon, etc.
Cetelem Bank is present in 76 regions of Russia and has 7,500 employees.
The concept of Cetelem Bank is “responsible lending”, which means a transparent lending system and reasonable interest rates. This approach to lending allows us to improve the level of customer service, as well as successfully develop the Russian consumer lending market.
Vision - Providing financial solutions that are aimed at improving the quality of service and standard of living of consumers.
The goal is to be a trusted partner for clients. Our mission is to help clients realize their dreams.
Video: Credit fraud
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Official site
On the official website of Cetelem Bank you can familiarize yourself with all loan conditions, namely:
- types of loans;
- terms of loan repayment;
- loan terms, interest rates and loan terms;
- requirements for bank borrowers;
- principles for submitting applications and a package of necessary documents.
Types of consumer loans
In addition to a cash loan, in Cetelem you can also get loans under other programs, namely:
- “No overpayment” can be obtained only in those cities where there is a branch of Cetelem Bank.
- “Express Plus” - under this program you can purchase any product in any store in the city where there is a bank branch or its representative office. Regardless of the loan amount, you receive a single interest rate for the year.
- “Ultra light” - right in the store you can make a large purchase under this program. You can apply for a loan for your purchase in advance at the bank or directly in the store.
- “No overpayments” - when purchasing under the program, the store reduces the price of the product so that the minimum overpayment is no more than 15%.
Check out this list of sequential steps to apply for a loan.
- go to a bank branch in person;
- or visit a retail outlet where a bank representative works;
- write an application form;
- the bank, as a rule, does not require proof of income, but checks your credit history;
- within a few minutes, wait on the spot for the bank’s decision;
- if the conditions offered by the bank are suitable, provide documents for drawing up a loan agreement;
- carefully read all the clauses in the contract;
- sign the contract, receive cash.
Unfortunately, the bank does not provide the service of filling out an online application on the website.
Reviews of Cetelem Bank
Julia / Violation of privacy
I always answer phone calls from cetelem bank, but the employees, despite this, call my friends, looking for contacts from social networks. They say that I supposedly left this number as a contact number, they say that the bank cannot contact me. It's a lie. Bank employees first deny their involvement in these calls and later apologize. This is the second time I have encountered this situation with this bank this year.
No response from the bank
Annoying calls regarding someone else's loan
For several months now, Valeria Arkadyevna has been annoyingly calling my mobile phone (the last call was 05/5/17, at 9.39) from “Cetelem Bank” regarding someone else’s loan. Since I have nothing to do with this bank, I did not take out loans there, I am not a guarantor, I did not give consent to the processing of personal data, I did not use any services, I did not write any papers, I ask you to protect me from annoying calls from Setele.
Bank representative's response
Dear Svetlana!
When conducting an investigation based on the information you provided, it was discovered that your phone number was incorrectly indicated in the Bank’s database, and therefore this number was immediately deleted.We notify you that within 2 business days, communications from the Bank to your contact numbers will be completely stopped.
We offer you our sincere apologies for the inconvenience caused.
Sincerely,
Extension of CASCO / Tatyana
Hello! I am asking not to impose a fine of 10,000 rubles (for late provision of CASCO insurance). I am a conscientious payer and I have not only a car loan with Cetelem Bank, but also a loan, and I was happy with everything, and after repaying this car loan, I planned to remain a client of this bank. But they didn’t make concessions to me, citing a clause from the agreement on the extension of Casco. I hope for the client-oriented policy of the Cetelem Bank (I did not receive SMS notifications regarding the prolongation of CASCO, although a Bank employee indicated that the SMS was sent in early February, and the renewal of CASCO was extended on the 20th of February). Due to temporary family difficulties and since there was no reminder (SMS informant was connected), copies of CASCO were not submitted (CASCO was issued on time).
I am a mother of one child and I hope for your understanding, 10,000 rubles is not a small amount. In the future I will definitely comply with the terms of the contract on time. Once again I hope for your understanding and further cooperation.
Bank representative's response
Dear Tatyana Nikolaevna!
The current situation has been reviewed in detail by the Bank, and therefore allow us to provide our comments in response to your review on this website.
According to clause 4.2.4 of the Agreement, the Client undertakes, within 30 (thirty) days from the end of the previous Insurance Period, to provide the Bank with copies of documents confirming the maintenance of the CASCO Insurance Agreement in force. If the above condition is not fulfilled, clause 1.1.2 of the Agreement provides for a penalty in the amount of 10,000 rubles. 00 kop.On 02/13/2017, an SMS message was sent to your contact phone number, which is at the Bank’s disposal: “Provide CASCO insurance for the future period of the contract in companies, respectively. requirements of the Bank www.cetelem.ru/page/insurance. Send the policy and payment document to ". According to the mobile operator, the SMS message was successfully delivered.
Please note that your CASCO policy was valid from 02/25/2016 to 02/24/2017, therefore, in accordance with clause 4.2.4 of the Agreement, you had to submit the CASCO policy for the new insurance period to the Bank no later than 03/26/2017. 2017. The CASCO policy for the new insurance period was provided by you to the Bank only on 04/07/2017.The Bank informs that the penalty for untimely provision to the Bank of copies of documents confirming the maintenance of the CASCO Insurance Agreement in force, if issued for payment, will be charged reasonably and in accordance with the terms of the Agreement.
We sincerely hope that you will consider the comments we have provided.
Sincerely,
Customer Service Department
"Cetelem Bank" LLC
Calls regarding someone else's loan
For several months now, various employees of Cetelem Bank have been annoyingly calling me on a landline number regarding someone else’s loan. Since I have nothing to do with this bank, I did not take out loans there, I am not a guarantor, I did not give consent to the processing of personal data, I did not use any services, I did not write any papers, I ask you to protect me from annoying calls from Setele.
I ask the Bank to look into the current situation and exclude my phone number from the database, otherwise I will submit an application to law enforcement agencies and check the legality of such actions and violations of my constitutional right to privacy (Clause 1, Article 23 of the Constitution of the Russian Federation) .
Bank representative's response
Dear Alexey!
Thank you for contacting us to clarify the information.
Unfortunately, when registering your review, you did not indicate the correct phone number to which calls are received, and therefore the Bank was unable to conduct an investigation into your issue.If this issue is relevant to you, please provide us with more detailed information (phone number consisting of 11 digits) in any of the following ways:
Cetelem Bank is a subsidiary of Sberbank, specializing in post-lending. The line of credit for individuals is very attractive. The largest share in the structure of the loan portfolio is occupied by cash loans to individuals in Setele.
Interest rates on consumer loans
In its work, Cetelem Bank adheres to reasonable rates on consumer loans. The most popular is cash loan at 12.9 – 21.3% per annum. The interest rate depends on the following factors:
- credit history;
- long-term cooperation with the bank (for loyal borrowers it is lower);
- client's solvency.
Cetelem Bank actively cooperates with the Svyaznoy retail chain, providing loans for the purchase of mobile devices and accessories. The loan rate for goods is fixed at -16.6%. The loan can be provided for a period of up to 36 months.
Online application for a cash loan
A client can apply for a loan in 3 ways:
- On the official website (https://www.cetelem.ru/kredit-nalichnymi/). It is enough to fill out a virtual form consisting of the following sections: full name, date of birth, contact phone number, city of residence and approximate time for the call. Next, a call center specialist contacts the client to discuss lending parameters and cooperation options.
- Via a mobile application. An online loan application at Cetelem Bank is available for devices equipped with the Google Play and App Store operating systems. In addition to personal data, the user must indicate the parameters of the loan: amount, term, and method of receipt (at the bank office or by courier at home).
- Through the contact center. The client just needs to call the hotline number: and leave a request. The call center employee must provide passport details, residential address, type and place of employment, and average monthly income.
Lending terms
Cetelem Bank provides cash loans for a period of 1 to 5 years. The maximum amount is 500 thousand rubles, the minimum is 15 thousand rubles. Despite the name, you won't be able to get money in cash.
On the official website of the lender there are 2 only methods:
- To a debit card. Provided upon signing the loan agreement. A distinctive feature is that money can be withdrawn from any ATM of a third-party bank without commission.
- To a card or savings account at another bank. In this case, the borrower must provide full details for transferring funds.
To obtain borrowed funds, no guarantee or collateral is required. Loyal customers and applicants with a good credit rating can receive money on the same day.
Good to know! As part of the cooperation agreement, Sberbank clients can receive a personal offer from Cetelem Bank. The option is available to applicants who were denied loan approval by Sberbank due to non-compliance with the established criteria for their financial situation.
Requirements for borrowers
To receive a loan in Seteleme, the applicant must meet the following requirements:
- Russian citizenship;
- age: from 18 to 65 years;
- availability of permanent registration in the region where the lender is present;
- no current arrears on financial obligations for a period of more than 5 days;
- absence of a procedure for declaring the borrower bankrupt.
Information about employment is indicated according to the client. Their documentary evidence is not required, with the exception of.
Documentation
The package of documents consists of only a passport and another document of the borrower’s choice. The decision is made based on the scoring model.
Loan repayment
Cetelem Bank provides a wide network of channels that allow you to pay for your loan in the most convenient way. The term for crediting funds varies from 2 to 5 business days, which must be taken into account when making a payment. Ample opportunities are provided by the parent organization - Sberbank. The client can deposit money to repay the loan through his self-service devices, including his Sberbank Online and Autopayment personal account, as well as at bank offices. When using the AutoPay service, no commission is charged. When making a payment via other remote channels, the fee is 1% of the transfer amount.
You can also deposit money through an electronic wallet and Qiwi terminals, the Eleksnet payment system, Russian Post branches, etc.
Calculate your loan using a calculator
Credit term:
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Interest rate:
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Repayment scheme
Annuity Classic
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Overpayment in monetary terms:
including:
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Total amount to be refunded:
It is no coincidence that Cetelem Bank loans are popular among the population, because this bank offers favorable terms of cooperation among all banks, reduced interest rates in 2019 and an abundance of programs for any client’s goals, desires and requirements.
What loans are available to individuals at Cetelem Bank?
To take out a loan from Cetelem Bank, you will have to fill out a short application after selecting the best banking product. The credit institution issues:
- consumer loans from 100 thousand rubles, funds can be spent for any purpose;
- car loans – up to 5 million, you can buy a new or used car;
- loans for business – in the amount of up to 150 million, at their expense you can replenish current assets and develop your business;
- mortgage, including preferential ones, up to 60 million.
Rates on consumer loans start at 1.99%, and if you want to get credit cards, the average overpayment will be 26%. However, it is more profitable to take money in cash, having previously calculated the most attractive terms of cooperation for
Cetelem Bank's loan calculator will help you calculate a consumer loan in cash in 2019 - 2020: the amount of monthly loan payments and payment terms for early repayment. You can use the official online calculator on the website for free!
Living on credit is convenient and practical. Consumer loans have become a part of the lives of Russians. Cash loans are especially popular among borrowers. Lending in 2018 will delight you with a variety of offers for individuals.
To choose the most interesting and profitable of them, to plan early repayment of the loan, you need a financial instrument. This is exactly what the Cetelem Bank loan calculator is: convenient, visual, free.
Cetelem Bank is a specialized financial organization for consumer lending. Transparency of conditions and availability of loans have formed a stable segment of loyal clients of the bank. Today the bank offers cash loans and 4 consumer loan programs to holders of the bank’s electronic cards.
Lending terms
- Borrower's age: from 18 to 75 years (at the time of repayment);
- Minimum amount: 30,000 rubles;
- Maximum amount: 5 million rubles;
- Duration: from 3 months to 5 years;
- Loan issue fee: none;
- Security: guarantees from individuals – citizens of the Russian Federation (no more than 2).
Loan interest rate
We are gradually filling this section. It's worth waiting a little :)
The loan repayment calculator allows you to calculate online the payment amount, interest and overpayment for loans with early repayment, with partial early repayment.
The loan loan calculator will calculate:
- For salary card holders
- For legal entities.
- For individuals.
- For pensioners.
- For individual entrepreneurs.
The terms of the loan depend on the purpose of the loan and determine: the required package of documents, interest rates, and the amount of allocated funds. You can take out a bank loan:
- Cash.
- For the development of small business.
- To buy a car.
- To buy a home, to build a house.
- For refinancing.
Go to the website of Bank Cetelem. Read the terms and conditions for issuing a cash loan:
To apply for a loan, fill out a short form. Enter your full name and date of birth. Indicate your phone number and a convenient time to call. Click "Request a call":
A Cetelem employee will call you and help you prepare documents for your loan application.
Requirements for the borrower
- Russian citizenship
- From 21 to 65 years old
- Permanent registration in Russia in the territory where Cetelem has an office
- Availability of a valid credit offer from Cetelem
Required documents
- Russian passport
- Additional document: international passport, driver’s license, SNILS, TIN
About the bank
Cetelem Bank is a joint venture of Sberbank and the French group BNP Paribas. Founded in 1992 in Saratov. Later he moved his head office to Moscow, and in 2005 he joined the Ukrainian UkrSibBank. In 2006-2007, UkrSibBank, together with its subsidiary bank in Russia, was bought by the BNP Paribas group. In 2011, part of the bank's shares were sold to Sberbank, and in 2013 it received its modern name.
Now Sberbank controls about 80% of the shares of Cetelem Bank, another 20% belongs to the French financial group. The bank's head office is located in Moscow. The regional network includes more than eleven thousand customer service points. The bank operates on the basis of license No. dated June 27, 2013.
The bank's main specialization is consumer lending. The bank actively offers its clients various types of loans, including for the purchase of goods from partners. The bank is also developing several car loan programs, issuing debit cards and providing insurance services.
Documentation
- Pre-contractual information on consumer loans for urgent needs
- Agreement on the use of a simple electronic signature
- Tariffs for the consumer lending program for urgent needs, valid from 08/08/2017
You will learn how to log into your personal account on the official website of Cetelem Bank online. Detailed instructions for convenient and quick access to cetelem.ru with screenshots and video instructions. A visual guide to recovering a forgotten password for your bank account. We provide only the most current information.
Answers to popular questions
Is it possible to get a loan without visiting the bank?
Leave a request on the Setelema website. A bank employee will advise you over the phone. After the loan is approved, you can pick up the card with money at one of 300 service points.
The bank offers a courier delivery service for documents and cards in major cities. The service is available in Moscow, St. Petersburg, Rostov-on-Don, Krasnodar, Kazan, Nizhny Novgorod, Chelyabinsk, Ufa, Yekaterinburg, Perm, Saratov, Stavropol, Omsk, Voronezh, Volgograd, Krasnoyarsk, Samara, Tyumen, Kemerovo, Novosibirsk.
How does Cetelem’s offer differ from loans from other banks?
You can apply for a Cetelem Bank loan online and receive a decision on issuance in a few minutes. The bank does not require you to provide a certificate of income or collateral or look for a guarantor. In large cities, a courier delivery service is available. You can manage your Cetelem Bank loan via Internet Banking.
