How to repay a loan. Loan payment methods: choose the most profitable one

If you don’t want to fill out information manually every time you pay and constantly keep a payment schedule in your head, this service is for you. The essence of autopayment is that money from your card will be transferred to your loan account automatically every month.

To activate the autopayment function you must:

log in to Sberbank Online;
go to the “My auto payments” section;
click “Connect auto payment”;
indicate the recipient's details and your card number;
clarify the frequency and amount of payments;
Confirm your request via SMS.

Now transfers to the account for debt payment will be made automatically, and you will be informed about the transaction via SMS.

This function is good to use when monthly receipts, for example, salaries, are received on the card.

Using a bank card

A Sberbank loan can also be repaid using a card issued by another bank. The service is available in the personal account of your bank’s electronic payment system.

The principle of action is approximately the following: you need to follow the “Pay loan” link (in different systems it will be called differently), fill in the details, including the credit account number, and confirm the payment.

However, this method has a disadvantage: when paying for a loan from one bank with a card from another bank commission is withheld. True, in most cases it does not exceed 1% of the transferred amount.

This option is suitable if the money is on a card from another bank.

Through electronic payment systems

This option is not very common, as it involves a high commission - from 2.5%. However, if you are an active user of Yandex.Money or WebMoney services, this method may be the most convenient for you.

To pay off a loan using electronic money, you must:

go to the website of your payment system;
select the “Products and Services” tab;
in the list of services, go to the “Loan repayment” section;
select Sberbank from the list of banks;
fill in the payment details;
Confirm the operation using your password.

Here is the most general payment scheme; details can be found on the official website of your payment system.

The method is interesting only if you have funds in electronic wallets that have nowhere to spend them, and other payment options are not suitable.

What happens if you don't pay?

Sometimes, due to various life circumstances, the borrower fails to repay the debt. In this case, it is important to understand what consequences will follow if you fail to pay.

So, if the client is late in payment, he will have to pay a fine, the amount of which depends on the contractual terms of the loan. For example, failure to pay a consumer loan will result in penalties of 20% per annum of the overdue amount. If a client fails to deposit funds onto a credit card on time, the penalty will be as much as 38%.

Information about all violations of loan payment terms is entered into the borrower’s credit history. An unscrupulous client will not only receive an impressive fine, but will also ruin his reputation.

What consequences await a borrower who finds himself in a difficult life situation and is unable to continue making payments?

The bank will contact the client to find out the reason for non-payment.
If the lender meets the borrower halfway, the terms of the loan may be revised.
If the bank does not want to put itself in the position of a debtor, then collectors will get down to business, whose goal is to achieve payment of the debt by any means.
Finally, if there is no response from the client, the bank or collection agency may sue him.

It follows from this that the debtor will not go unpunished in any case. The only advice that can be given in this situation is: if the reasons for non-payment are objective, then you should immediately contact the bank and try to negotiate a restructuring (). Otherwise, the consequences may be serious.

“Online loan repayment” is a service for secure loan payment via the Internet using bank cards. The purpose of our service is to organize the loan payment process so that it is simple, safe and convenient. If you have suggestions for developing the service, we welcome your comments and feedback.

Everything is very simple! The service page provides a complete list of creditor banks: from Sberbank and VTB24 to Post Bank and Renaissance Credit. The list of all banks is sorted by their name, so finding the right bank to pay a loan will not be difficult.

Go to the page of the desired bank and a form will open for you to safely and quickly repay your loan online using a bank card.

Enter the borrower's details and the amount to pay, click "Proceed to payment". All you have to do is enter your bank card payment information - you're done!

Brief instructions for paying the loan:

Go to the page of the desired creditor bank;
Enter the borrower's details;
Click pay and enter payment information.

What cards are accepted for payment?

You can repay the loan using any payment card that works for payments throughout the Russian Federation: VISA, Maestro, MasterCard, MIR.

Which company is the payer?

All calculations are carried out by NKO Perspektiva LLC. This company has a license from the Central Bank of the Russian Federation No. 3532-K, so you can be sure that the payment will be safe and will reach the bank.

What details are needed to pay the loan?

Our The “Online loan repayment” service is convenient because you need to know a minimum of information to pay: name of the creditor bank and details of the borrower (full name, personal account, Branch).

Is there a fee when payment goes through?

The size of the commission depends on the creditor bank and on average is only 3% of the payment amount. But the minimum amount is 50 rubles.

How much can I pay at one time?

You can pay up to 15,000 rubles at a time. But, if you need to pay an amount greater than this limit, then after making the payment, click “Open the form again” and pay the remaining amount.

What currency is accepted?

At the moment, payments are accepted in Russian Rubles.

How quickly will the money arrive?

The time to transfer funds depends on the lender's bank and usually ranges from several minutes to a day.

Can I pay a loan for another person?

Yes. When entering data into the payment form, indicate the details of the person for whom you are making the payment.

If I make a mistake when entering data, what should I do?

If the payment does not go through, the funds will be returned back to NPO Perspektiva LLC. In this case, support specialists will definitely contact you to clarify the data.

I have questions that I want to ask in person. What to do?

You can always call our support service on a toll-free federal phone number: +7 800 700 08 38 (the call is free for regions of the Russian Federation).

We wish you an easy payment!

On our service, the following are available for online payment: 292 companies in the Online Loan Repayment category. We are confident that you will be able to find the company you need.

How to pay for a loan - read about it in our review of debt repayment methods.

Currently, there are many different ways to make monthly loan payments. And, which method you choose will depend not only on the size of the payment commission, but also on the timeliness of crediting money to your credit account. After all, some of the above loan payment methods imply a payment period of up to 5 days. Therefore, you need to be extremely careful when choosing a payment method so as not to end up in debt.

Through a bank cash desk

One of the most obvious, but still the most reliable way to pay for your loan is through the cash desk of the bank that issued the loan to you. Firstly, the likelihood of errors is minimized. Secondly, the money will appear in your loan account within a few minutes, which means you can pay the loan directly on the payment date. Thirdly, there is no commission charged for this payment method (with rare exceptions, for example, the Orient Express charges a commission). Among the disadvantages of this method, we note only one - the time spent on traveling to the branch and queuing at the bank. To pay through your bank's cash desk, you need a passport and loan agreement number.

If you decide to pay for a loan from another bank (by wire transfer), then be prepared to pay a commission of 1-3% of the payment amount. In addition, the transfer can take up to 3 business days, so deposit the money in advance. To pay a loan through the cash desk of another bank, in addition to your passport and loan agreement number, you will additionally need the full details of your loan account (Name of bank, BIC of the Bank, account number).

Via ATM

Paying a loan through an ATM has one significant advantage over the previous method - saving time. There are more ATMs than bank branches and the queue at the ATM is also minimal. Payment can be made in cash or by transfer from a bank card.

If you pay for a loan at your bank’s ATM, then in most cases no commission is charged (again, the exception is Orient Express Bank). The money will arrive in your account within a few hours, maximum one business day.

When paying for a loan through an ATM of another bank, you will be charged a fee. For example, at Sberbank ATMs, for repaying a loan from another bank through an ATM, a commission of 1% (when paying with a card) or 1.5% (when paying in cash), but not more than 1,000 rubles, is charged. At the same time, keep in mind that the money may be “in transit” for up to several days.

Payment terminals

This method is attractive only because of its accessibility: various terminals are located in almost every store. But, the commission for making a payment can reach 7-10% of the amount. A little expensive. And, besides, the money will reach your account from several hours to several days. That is, again, payment must be made in advance.

Internet banking and mobile banking

This method is one of the newest and most technologically advanced. Paying your loan this way is quick and convenient. All you need is a bank card from any bank and a connected Internet bank (or a similar application for a mobile phone), and the money on the card. The transfer is carried out from the card account to the loan account (according to the details).

If the loan and card are issued by the same bank, then no commission is charged and the transfer takes place almost instantly.

If the card and loan are opened in different banks, then a small commission in the region of 0.3% -0.5% of the transfer amount will be debited from your card account. In this case, payment may also take several days.

Post office

It is possible to make payments for the loan and by postal order. To be honest, we don’t see any particular advantages in this method. Not only is there a queue at the post office at any time of the day, but a commission for postal transfer to pay for a loan is charged in the amount of 1-2%. In addition, the period for crediting money to the account reaches 5-7 business days. That is, you will need to pay off the loan at least a week in advance.

In the accounting department at the place of work

You can also ask your accounting department to have money to pay off the loan directly from your salary account. This is convenient, you don’t have to worry about forgetting to make another payment. The commission and transfer time in this case will be more modest than with a non-cash transfer of funds through a cash desk, since the tariffs for transfers for legal entities are lower. In order to pay a loan in this way, you need to write an application to your accounting department indicating the details of the loan account. The timing of the transfer of funds is set by your company.

Which method you prefer is up to you. But always have a backup plan, since there are often cases when you cannot pay a loan using the usual method, for example, a branch of your bank is closed or an ATM is broken.

In fact, this is not difficult to do at all.

Our article provides instructions on how to pay using various services and banking products.

How to pay

After applying for a loan, everyone must approach the issue of paying the monthly payment responsibly. This can be done in various ways:

Payment at ATMs or terminals.
Payment in your personal bank account.
Payment by card.
Payment through payment systems on the Internet.
Payment by bank card.

Of course, the easiest way is to pay at an ATM, since the payment is immediately credited to the account, there are no commissions, but very often such an ATM is not at hand, and there is neither time nor desire to go to the other end of the city. Today we will look at remote loan payment via the Internet using an electronic wallet and a bank card.

Payment by bank card

It is very easy to pay a loan with a bank card; you do not need to visit the office of a credit institution, waste time on the road, and especially gasoline.

For the convenience of their clients, banks provide the opportunity to pay the next payment using a bank card, although it can be issued by a completely different bank.

Payment options by bank card:

One of the most convenient ways to pay in this way is to call the hotline. You inform the operator of your intention to pay your payment using a card, and the employee, having specified the payment amount, will switch you to an automated system that will prompt you to enter the card number, card expiration date and CVC code. After this, the money will be debited from the account. This method is most preferable for pensioners who are not particularly internet savvy.
The second option is to pay by credit card in your personal account. To do this, you will need to log in to the online banking system, select the payment amount and arrange payment by card. The system will ask for the card number, expiration date, first and last name of the owner, as well as the code indicated on the back of the card. After this, you will receive a verification code, which you will need to enter in the required field, after which your loan will be paid.

Unlike payment in the terminal, this method may take a little longer to be credited than usual. This happens differently in different banks. In some places the payment is credited instantly, in others a day later.

Good to know: if the credit account has a bank account number, you can make an interbank transfer from your card, and no commission is charged for such transfers, but the payment may take up to 3 days.

With this payment method, an additional commission may be charged, but it all depends on the bank where the loan was issued.

Payment via the Internet

It often happens that the card is not at hand, but the monthly payment is about to be paid.

The ATM is located only in the neighboring village, and the machine has broken down. Such circumstances can overtake anyone. You should not miss a payment, as fines and penalties will be assessed and the information will be entered into your credit history.

In these situations, it is very convenient to use payments through various payment systems, which are abundant on the Internet. Many people often use them to pay for purchases on the Internet, mobile communications or provider services.

You can also pay for loans using these e-wallets. It's quite simple to do this:

We register an account and replenish it.
We find the right bank.
We fill in all the fields: account number, contract number, payer’s name, amount.
Click pay.

As you can see, the procedure is quite simple. Often payments are credited to the account instantly, since banks actively cooperate with intermediary companies, but you will have to pay a commission, which will be 1-2% (usually at least 50 rubles).

Of course, you will overpay the commission to the payment system, but this is better than later paying a fine or penalty, which will be many times higher. Yes, and do the math: go to the nearest ATM, spend money on travel or gasoline, waste your time, or pay 50 rubles? We assure you that you will spend more money on the road!

To summarize, I would like to note that paying via the Internet with a bank card or electronic wallet simplifies our lives, since free time is not required to visit the office, payment also occurs very quickly, and the commissions that are removed justify the time saved.

How to pay a loan online, see the instructions in the following video:

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When applying for a loan from a bank, many do not even think about how they will pay for it. When paying a monthly payment through the cash register, the borrower most often pays commission costs on which he could save. Therefore, many borrowers have a natural question: what is the most profitable way to pay for a loan?

The easiest and safest way to make your monthly loan payment. The advantage of paying at the cash register is that you don’t have to enter the details manually. The bank operator will do this for the client. Payments through the cash register are processed instantly. The client can deposit money on the date specified by the bank without fear of being late and receiving penalties.

The disadvantages of such a payment are:

payment of commission;
travel expenses to the bank branch;
long lines.

Bank specialists advise not to pay a loan over the counter between the 15th and 20th. It is at this time that large queues gather near the cash desks to pay for utilities.

Cash desks of other banks

You can also pay off your loan at the cash desks of other banks. These could be partner banks of the lending bank or simply the nearest branch of a third-party bank. The difference is the commission amount. When paying at a branch of partner banks, commission costs will be minimal (1-1.5% of the deposited amount).

Depositing money through the cash desk of a third-party bank will cost the borrower 2-3% of the payment amount!!!. The disadvantage of this method is that it takes a long time to transfer money (2-3 days). In addition, in a third-party bank, in addition to a passport, the debtor may be required to provide a loan agreement or its full details.

Depositing cash through Qiwi payment terminals

This method is suitable for residents of small towns and villages where there are no bank branches. There are Qiwi payment system terminals in almost any grocery store or bus stop.

To pay for a loan, you need to select the “Payment for services” section on the touch screen. Next, click Bank Services – Loan Payment. From the list that appears, select a bank and enter the details (BIC of the branch of the bank that issued the loan, the borrower’s account number and other required data). After payment, you need to pick up the check, keeping it until the money is credited.

Money is credited to the borrower’s personal account within 3 days from the date of deposit. The fee for paying a loan through Qiwi terminals depends on the bank. For example, commission costs when paying for an Alfa Bank loan are 2% of the payment amount. Qiwi terminals accept payments from more than 100 banking organizations.

Payments via ATM

A winning way to pay a loan for residents of big cities. As a rule, ATMs are located directly in bank branches and large retail outlets. The advantage of this method of repayment is the possibility of both cash and non-cash payments.

Internet banking and mobile banking

Internet banking will help you repay your loan without going outside. To deposit money in this way, the borrower will need:

uninterrupted internet;
bank card;
sufficient balance to pay.

First of all, a personal account is created on the bank’s website. Next, in the “Payments” section, a template is created and the details of the credit account are entered. The client simply transfers the required amount from the salary card to the credit account.

If the loan is issued in the same bank as the salary card, then such an operation is not subject to commission. In this case, the money will be credited to your account within 5 minutes. When paying from a card of another bank, a small fee will be charged (approximately 0.3 - 0.5% of the total amount deposited). The money will be credited to your account after 3 business days.

Payment in mobile phone stores

Mobile communication stores of major operators (MTS, Megafon, Beeline) process payments from many Russian banks. To make a payment, the salon operator may ask to see your passport and credit account details. When paying again in the same salon, account details will not be required. The only negative is the commission of 1% of the total deposited amount, but not less than 50 rubles. This is unprofitable if the monthly payment amount is no more than 500-800 rubles.

Russian Post Offices

When paying for a loan through Russian Post offices, the client can choose a standard or fast repayment method. Using the standard method, you can pay for a loan at the post office:

VTB 24;
UralSiba;
Rosselkhozbank;
Rosbank;
Raiffeisenbank;
Citibank;
Russian Standard Bank;
OTP Bank and many others.

In addition to presenting a passport and credit account details, the client will be required to fill out a postal transfer form. Standard postal payment can be processed within 7 days. The amount of the commission is determined by the lending bank. For example, paying for a loan from Citibank or Tinkoff does not require a commission.

A quick way to repay a loan through the post office involves instant crediting of money to your account. The transaction fee is 1.9% of the payment amount. In this case, the commission amount cannot be less than 50 rubles. Even if the client chooses a fast payment method, he will still have to wait in line at the cash register. Therefore, this method cannot be called operational.

In the accounting department at work

You can pay monthly payments through the accounting department of the company where the borrower works. To do this, you need to write an application with a request to transfer part of your salary to the specified account every month.

In this way you can significantly save your personal time and money. Money transfers between legal entities are carried out at a minimum commission. In addition, you won’t have to go to the bank every month or stand in line at the post office. The small disadvantage of this method is that you need money pay 1-2 days before the payment date. This is how long it takes the bank to verify the payment.

In some cases, the accounting department may refuse to provide such a service. That is why an application to transfer money in this way must be confirmed by the signature of the director of the company. Be sure to pick up a copy of your payment confirmation from your accounting department every month.

Through the Yandex.Money payment service

If the borrower has a constantly replenished electronic wallet on Yandex.Money, then you can pay the loan from it. To do this, you need to set up the autopay function and specify the amount of the monthly payment. When making a payment for the first time, you will have to enter the payer’s personal data, account number (20 digits) and contract number (10 digits).

The service serves more than 30 large Russian banks and financial organizations. Among the partners of the Yandex money service:

Sberbank of Russia;
Home Credit Bank;
Alfa Bank;
VTB 24;
MTS Bank;
UniCredit Bank;
Opening.

The commission fee for transferring a payment will be 15 rubles + 3% of the amount.