Pawnshop on the security of PTS: customer reviews

Owners of their own cars are familiar with the advantages of fast loan processing on the security of their cars. Such a deal can be made in car dealerships, banks and other financial institutions. They can be found in any large village. Particularly beneficial in this respect is the loan that the Pawnshop gives on the security of the PTA.

Feedback on this type of service can be useful for both novice motorists and long-time car owners who would like to have information about such a method of obtaining quick money.

How does this service work?

The issuance of money in the car Pawnshop is possible under the material pledge, and under the documentary. The second type of service is the most acceptable option for all car owners. The driver continues to use his own car for the duration of the loan agreement.

The advantages of this type of loan are unquestionable - the owner of the car can freely use his own car. As the lien in the lending institution, the main document of the vehicle is the vehicle's passport (PTA). After payment of the agreed amount, the Lombard institution returns the security document, and the owner again gets the right to own his own car.

How much can a financial institution

Clients who used the services of credit institutions, speak of a large range of amounts that can be borrowed by a Pawnshop against a pledge of a TCP. Reviews on the Web indicate a large interval of loan amount under the TCP. In each case, it is calculated individually and directly depends on the brand, origin, technical condition of the car. In some cases, a pawnshop can provide a loan of up to half the market value of the machine.

Consider how in various regions of our country a loan is issued, which is issued by the Pawnshop against the pledge of the PTA. Reviews of those who used similar services in this or that city of Russia are presented below. Take, for example, several settlements from different regions of our country and try to look at how such transactions are carried out. Let's start with the capital.

Moscow

Of course, the most advantageous for the client is the package of services provided by the car dealer on the security of the PTA in Moscow. Reviews about the leading financial institutions of the capital are presented quite widely. On the first places are large organizations, such as Zalogfinance, MFO "National Credit", "Constanta". Lending conditions - up to 40% of the market value of the vehicle. MF "AEK" offers a long grace period for using the loan, and an insurance policy for motor third party liability insurance (MTPL) must be applied to the standard package of documents. The reviews mention additional services of credit institutions. In addition to money, the client can be offered a taxi to the metro or to the house.

Ufa

Video surveillance, car wash, vehicle diagnostics - here is not a complete list of additional services that the Pawnshop offers on the security of the PTS. Reviews in Ufa, the capital of Bashkortostan. List good conditions for a car loan in such organizations as Altyn Capital, 24 hours, SCS, Credit on Batyrskaya and so on.

Comments on the forums on the work of these institutions indicate a high work organization and reliability of guarantees, as well as transparency of the evaluation. In general, for the entire package of offers that the Pawnshop offers on the security of the PTA, the reviews are positive or neutral.

Volgograd Credit Organizations

We will move to the European part of the country. What does the Pawnshop offer for us on security of the PTA? Reviews in Volgograd are presented directly on the websites of credit organizations. A good reputation is enjoyed by LLC "Silver trunk", however, it's not so easy to get through. Avtomobard Avtomani does not tie the price of the car to the cost of a loan secured by a PTA, but simply offers a loan of up to 50,000 rubles. To the list of standard services, the option of rewriting is added. So, the creditor can re-arrange the contract in another financial institution of the city or change its conditions - for example, leave your unit in the parking lot. Thus, the owner of the car will receive a loan for a larger amount than he will be able to offer to him a pawnbroker secured by a PTA.

Reviews. Surgut

In the center of the Khanty-Mansi Autonomous District, the services of the car dealer are represented by several financial companies. Organization "Carriage" offers loans at preferential interest for the entire period of validity. LLC "Garant" recalculates accrued interest to a smaller side if the loan was repaid ahead of schedule.

The company "Avtozaim" specializes in lending on the security of all types of vehicles and provides good conditions for its regular customers. The list of services practically does not differ from what the standard pawnbroker gives on the security of the PTS.

Reviews. Mound

In the solar Kurgan, money on the security of the vehicle's passport can be obtained at financial institutions such as Avtolider, which provides cash in the amount of up to 150,000 rubles against the pledge of the vehicle. Boundary size - no more than 30% of the market valuation of the vehicle. This carmaker is confident in the microcredit market and offers more loyal service conditions for its regular customers. "Autolider" is attractive, above all, transparent loan conditions and honest policy.

Southern Siberia

We will promote the state of microcredit business in southern Siberia. So, how do you position the Pawnshop against the pledge of PTS reviews? Krasnoyarsk, Nizhnevartovsk, Kemerovo - cities where such institutions are not a bitch. For example, residents of these localities prefer to apply to KRK-Finance, where it is possible to quickly and safely take a microloan secured by a PTA. The company "Your investor" offers a loan under the TCP, where the maximum amount of money on hand is up to half of the market value of your car, and the loan is not more than half an hour. In addition, customers of this financial institution are offered various bonuses when buying auto parts, or discounts when repairing a vehicle. In general, more money - more services! This is the credo, which is adhered to by each carmaker on the security of the PTA. Reviews in Chita and other cities of the country only confirm this statement.

Loan service in Chita

So, you have an extreme need to sell a car or quickly get cash resources. Any car owner will come to the aid of car dealerships in Chita. The company "Avtolombard-Express" issues loans on the security of the vehicle's passport. In case the owner does not return the document, the car is withdrawn from circulation and sold to other buyers. The Avalombard organization in Chita provides a loan against a PTA. It works around the clock, has a good reputation among regular customers. The cost of collateral in this region is up to 40% of the market value of the car in the case when it comes to lending against security of documents. If we talk about material collateral (the car itself), then the client of the car dealer can receive up to 90% of the market value of his "iron horse".

Results

As you can see, different regions offer their own, quite diverse policy of attracting customers and working principles. As you might expect, you will get the most attractive loan conditions in the capital. The auto loan under the PTA is very convenient - the client receives a large sum of money, and no one forces him to abandon his car. There are also some restrictions, which pawns on collateral against PTA.

Clients' opinions of these credit institutions indicate that in addition to the basic documents (the passport of a Russian citizen and the vehicle's passport), a credit organization may require additional securities - a MTPL policy, a second document confirming the identity of the borrower (passport, driver's license). Sometimes you ask for a certificate from the place of work that will confirm your full employment in the current place for a long time. Credit funds are given only to the owners of the car, who have Russian citizenship. Some credit institutions also limit the age of borrowers.

How much can I expect and how much should I overpay?

The size of the loan is usually determined in private. It should be noted that here the significant role is played by the condition and type of car, age, and also the rate on the loan. Important are the shares currently held in the pawnshop, as well as the policy of the administration of this institution. If it is aimed at attracting new borrowers, interesting loan terms will be presented just for them.

Every bank or car has its own percentage. On average, lending rates range from 4% to 10% per month. Get cash on the security of the car can be for a period of 1 calendar day to 1 year. If you return the loan within a few hours after its registration, the car dealer will still calculate the interest for the full day and take from the borrower the amount due for the services of the financial institution.

Of course, the risk to take money and not give them on time is always there. Therefore, the decision to apply to the car dealership should be objective and balanced. Frivolous attitude to lending can leave an unlucky client without a car and without money.