There are quite a lot of car loan offers in Moscow in 2016: the crisis forces car dealers to use all sales channels. Partner programs of dealers and banks provide borrowers with attractive conditions. You can apply for a loan online.

But banks set certain requirements for customers, according to the length of service and income level. What if not official work? Can an unemployed person get a car loan? Read about it in our article.

No job or no income? We define concepts.

Despite the fact that the list of documents for obtaining loans includes certificates of employment and income, many banks are considering alternative evidence of the client's solvency.

It is in the interests of the bank to conclude a loan agreement with a borrower who has a stable income. Not always people with income are officially employed.

For example, pensioners receive monthly money from the state without having a permanent job. Rentiers who rent out real estate or receive interest on capital may also be unemployed. At the same time, their income allows them to repay loan payments on time.

The absence of a permanent place of work is not an obstacle to the issuance of a loan. If the borrower has a confirmed income, the bank will be able to conclude an agreement with him.

Focusing on a large group of borrowers who are not officially working, but have income, banks offer to confirm it in all possible ways.

Copies of apartment lease agreements, bank statements, minutes of dividend accrual meetings and any other documents confirming a permanent source of income are accepted.

This is good news for those looking for help getting a car loan. You should not be led by various "financial brokers" who promise to issue a loan for a rollback. When answering the question of how to get a car loan for the unemployed, we recommend that you first contact banks or car dealerships.

How much does a car loan cost for the unemployed?

A bank is a commercial structure focused on making a profit. By issuing a loan, bankers want not only to receive income in the form of interest, but also a guarantee of repayment of the principal debt. Therefore, to reduce risks, certain requirements are set for borrowers.

In most cases, banks offer a loan at a higher rate than the standard terms.

A car loan without collateral will not be issued: the purchased car is collateral. In some situations, they are asked to provide additional guarantees: property as collateral or surety.

Without down payment it will not be possible to take a loan, and its size directly affects the tariffs.

The bank may refuse a client with a bad credit history.

We list what other conditions may be when applying for a car loan that is not working:

• The size of the down payment can be increased up to 50%;

• The bank may require the submission of a guarantee. The guarantor must have a permanent source of income and official employment;

• or other property will increase the chances of getting a loan;

• (life and health insurance policies of the borrower) also increase the chances of obtaining a loan. Banks usually offer the services of "related" insurance companies that are part of the same financial group;

• A mandatory condition for car insurance for the entire loan period;

• Other conditions, depending on the individual situation of the borrower.

What is swinging total cost loans, then here everyone makes their own decision, taking into account full loan rate and other individual conditions.

Note that a borrower who has a deposit in a bank, a high level of income and property can count on good conditions. For their VIP clients, banks offer reduced rates, or other preferences, issuing loans without collateral and guarantors.

Bank offers

To compare the conditions, we give as an example several car loans that are relevant in Moscow in 2016:

Bank	Amount (rub.)	Tariff (%)	Term (month)
Credit Europe Bank	up to 2000 000	from 19.5	up to 60
Svyazbank	up to 6 000 000	from 14.5	up to 60
Forus Bank	up to 5 000 000	from 14	up to 60
Expert Bank	up to 2 500 000	from 15	up to 60
VTB 24	up to 7,000,000	from 15.9	up to 84

Read also:

About risks

If you really want a new car, but there is no money to buy it, before you sign a loan agreement, you need to remember about the possible risks:

• In case of violation of the terms of the contract (frequent delay in payment, for example), the bank has the right to demand repayment of the debt through the court. By a court decision, the collateral property (the same new car) can be transferred to the bank;
• Involving guarantors, you need to be sure of paying off the debt. In case of delay, the bank has the right to apply to the guarantor for payments. Spoiled relationships with relatives and friends, lawsuits - all this awaits the borrower in such situations;
• By transferring your property as security for a car loan, there is a big risk of being left without it if you do not pay the debt on time;
• Any delinquency on a loan is reflected in the history of the borrower and negatively affects his credit rating.

Therefore, it is possible to apply for car loans to the unemployed, having guarantees of paying the debt and interest on time.

In order to acquire a personal car without a long accumulation of money, most Russians need to use borrowed funds by applying for a car loan at a banking institution. The requirements of credit organizations for borrowers are standard - you need to meet the age parameters, have the citizenship of the country, and be officially employed. And what about those who work unofficially or live on money from passive income- rental housing, interest on deposits? Do not be upset - many financial institutions offer car loans to the unemployed or persons without official employment.

Will a car loan be given to the unemployed?

The ability to get a car loan without certificates depends on many factors:

• compliance with age parameters. As a rule, loans are issued to citizens who have reached the age of 21;
• the presence of a positive rating in the BCI. Everything credit organizations when considering applications for issuing loans, they check the reliability of the borrower on this resource;
• confirmation of additional sources of income. This may be a registered or notarized real estate lease agreement, an extract from bank deposit etc.

Borrowers who do not have an official place of work should keep in mind that the conditions for car loans for unemployed citizens will be more severe than those offered to employed persons. They look like this:

• car loan amount. If there is no documentary evidence of employment, it is unlikely that you will be able to get more than 1-5 million rubles on credit;
• inflated interest rates. When issuing loans to the unemployed, financial institutions insure the risk of non-repayment of the full amount of the loan with an increased interest rate;
• limited loan term– up to 60 months;
• increased down payment- when concluding a loan agreement, the bank may require up to 50% of the price of the purchased car;
• conclusion of additional insurance contracts– CASCO, life and health, etc.;
• provision of additional security- an unemployed borrower may be required to pledge the purchased car to the bank or attract trustworthy guarantors.

List of banks

A car loan for the unemployed can be issued in these financial structures:

• VTB Bank (PJSC). This largest banking organization offers unemployed citizens to get a car loan to buy a car under the Autolight program. The terms of the product are - CASCO insurance, the rate is from 14.7 to 16.5%, the maximum loan amount is from 300,000 to 5,000,000 rubles. The loan term is selected at the request of the borrower, ranging from 12 to 60 months. Additionally, you will need to make an initial payment of at least 20 percent of the purchase price;
• Raiffeisenbank. Here you can apply for a car loan for a domestic car or a foreign car without providing a certificate of income. The loan amount for the unemployed will be limited to 1.5 million rubles, interest rate will be from 15 to 16.5%. A prerequisite is the first installment of 15% of the price of the car, as well as the execution of additional CASCO insurance;
• Sovcombank provides car loans for the purchase of Chinese, Korean and other cars without the need to verify income. The loan amount is up to 2.5 million rubles, the rate is from 5.9 to 19%, the loan repayment period for the unemployed is up to 60 months. For some programs, it is not necessary to apply for CASCO, but you will have to make a down payment of at least 15%.

To get a car loan, an unemployed citizen must meet the basic requirements of banks.

Requirements for the borrower

You can get a car loan for the unemployed if you meet the following criteria:

• be over 21 and under 65 on the date of the last annuity;
• have a positive rating in the BCI;
• not have active, and even more so overdue debts in other credit institutions;
• be a Russian citizen;
• have a residence permit at the place of presence of the banking unit.

Also, in some cases, in order to apply for a car loan, you must provide certificates of receipt of unofficial income by the unemployed.

How to get a car loan for the unemployed?

To apply for a car loan for the unemployed, you must follow this algorithm:

• direct loan application online or visit a branch of the bank and draw up a document with your own hand;
• after the approval of the application, get acquainted with the offers of car dealerships-partners of the bank and opt for a specific vehicle;
• sign a car purchase agreement with the dealer;
• come to the bank, make a down payment;
• sign a loan agreement. As a rule, a car pledge is also issued at a time;
• insure the car under CASCO, if necessary;
• familiarize the bank's credit manager with the insurance policy, provide a copy of the document;
• register the car at the traffic inspectorate, present the original title to the car to the pledgee.

When applying for a car loan, an unemployed client will need approximately the following documentation package:

• original passport of a citizen of Russia;
• the right to drive a vehicle.

Another document that is provided at the personal discretion of the borrower is SNILS, military ID, TIN, passport, etc.

Pros and cons of car loans

A car loan for the unemployed has many significant advantages:

• accelerated approval of an application for a car loan - a response will be received within 1-2 days;
• a fairly large loan amount - up to several million rubles, which allows you to buy a high-quality modern car;
• minimal documentation package. Registration of car loans is possible with the provision of 2-3 documents;
• a quick procedure for obtaining a car loan - within a week from the moment of sending the application, the borrower will be able to leave the salon in a private car.

Nowadays, car loans are a very popular product. Many people apply for this type of loan. Anyone can get such a loan today. But before you issue a loan, you need to bring a package of documents to the bank.

One of the documents is a work book to confirm income. But what about those who do not have a work book or income certificate? After all, such people are considered unemployed for credit organizations.

Many people have a question about how to take a car loan to an unemployed person or a person who is not officially employed, and at the same time not to bring income certificates to the bank that will confirm his solvency.

How to get out of work

A person without official employment or without a permanent job, who is not able to bring a certificate of income to the bank, can apply for a car loan, like other categories of bank customers. He can take out a loan to buy a car directly at a car dealership, at a bank or other credit institution.

Providing a car loan will take several hours, after which the borrower can already buy a car and drive it. A car loan for the unemployed or people who cannot bring a certificate of income is issued to citizens aged 21 to 60 years. But then you will have to insure the purchased car for the duration of the loan.

The bank may also offer you to present. This is a document that confirms the income of a bank client. The bank asks to present this paper if the borrower cannot bring a 2-NDFL certificate. This document is signed by the accountant and the director of the financial institution, it is sealed.

Before applying for a car loan without confirming the means of payment at a car dealership, you need to look at the conditions of all such offers from banking institutions regarding the term for granting loans, the length of service of the person who borrows money, etc.

Today, there are many institutions that provide fast loans. In this case, the required amount is issued without guarantors, collateral and the provision of income papers, which they spend at their discretion.

Given the age restrictions, then for applying for a car loan without work experience, the best offer today is “ Quick loan from Moscow credit bank". But you need to understand that this does not mean that the loan application will be considered quickly.

There is another approach of modern banks, when the security service refers the notes on foreign trips as a guarantee of solvency. You can take a car loan without certain certificates regarding the confirmation of income and employment at the Nordea Bank institution, but this applies only to those customers who have a salary card of this bank.

After the paperwork is completed, you can instantly get a loan. The maximum such amount reaches 500,000 rubles and is given for two years.

Interest rate in large Russian banks.

Rates on such a loan accrue 16 percent per year, and the largest amount can be up to 2.8 million. Most often, when applying, you need a passport or other document: an insurance card pension fund, driver's license.

Car loan without down payment

If you don't have money set aside but need to buy a car, take a look at a service that many banks can offer - a car loan with no down payment. This method is a way out for unemployed people who do not have money to buy.

But do not rush to rejoice, because there are drawbacks to this - in exchange for the lack of a first payment, banks will ask you to pay a loan at an increased annual rate, or in addition you will have to pay commission fees, which will be very expensive. Or you can use this kind of program if you want to buy a new car.

AiMoneyBank offers several programs for buying your car: "Standard", "Dealer" and "VIP Standard". Under all these programs, you can get a loan without a down payment, and the rate will be 23-29 percent per annum, 26-30 percent and 20-25 percent.

Each car loan option that is offered provides for the possibility of receiving money without CASCO insurance, but then the annual rate will increase several times. The maximum loan amount that a client of a financial institution can receive is one million rubles.

If the amount exceeds the specified amount, the borrower will have to provide a document that confirms his income. Now anyone can get a loan from a financial institution to buy a car, both in a car dealership and in private individuals.

Favorable also offer "DealerPlus" from Plus Bank. The auto lending rate, again, without a down payment, ranges from 17.9 to 29.9 percent. The loan period, the initial payment and the overall assessment of the client's solvency affect the interest rate.

The borrower has the opportunity to choose for himself, because without a down payment it will be possible to receive only approximately 800 thousand rubles, while the maximum is 4.5 million rubles.

It is possible to buy a used car under such a car loan program, but it has a drawback. This is the need for CASCO and a high interest rate.

Promregionbank will offer a good car lending program "Autolux". Without a down payment, it is possible to take no more than 1.5 million rubles, while the rate is from 19 to 22 percent per year. Another program of this bank called "Autostandard" allows you to buy a car from private traders.

Each program has the same conditions, although Autolux provides for a commission of 1.5 percent of the loan amount and it is necessary to draw up CASCO in a mandatory manner. You can refuse insurance, but then the annual percentage will increase and will reach from 23 to 26 percent. In the Autostandard program, the conditions are similar, but the rate is even higher: from 20 to 23 percent.

Get a loan from Globex Bank state program can be with a rate of 18 percent without a down payment. You can take a loan of 5 million rubles, but no more. In this case, the borrower must confirm income in a mandatory manner and issue CASCO for a car.

When you decide to get a car loan without a down payment, think about whether you need it now, because you will overpay a large amount for it. Might be worth saving up and getting more profitable loan? It's up to you to decide.

How to take a passport

Nowadays it is not difficult for unemployed clients to take a loan with a passport; online application in the Internet. This application is completed within a few minutes, and you will receive the money in a short time. You can put them on a bank card, or go to the office of the selected company. A loan for the unemployed on a passport is issued in many situations.

Today they give money in a car loan even to those customers who have a small salary or no income at all. After all, the money is not so big and the requirements for customers are not particularly serious. But if you need big loans, they will already look at your income.

You can get by with a passport. Since all citizens have it, many people can apply for a loan. In the past, financial institutions asked borrowers to provide them with a lot of certificates, guarantors, and you had to leave something as collateral, but things have become much easier.

Now the unemployed can easily get a loan and apply credit card according to the passport, they are very common. Even if you do not need it, then you need to issue it, because at any time you can use it.

The percentage that a number of financial institutions offer today is very impressive, they are available to everyone. If you are unemployed, then you can pay off your debt in a short time.

You can try to get a loan on a passport, or you can find another option. There are some ways to get a cash loan for an unemployed person.

1. A citizen of Russia can apply for a loan under the lending program without proof of income. In many banks, two documents will suffice. This is a passport and a choice:

• international passport;
• driver's rights;
• identification code;
• pensioner's insurance certificate.

The bank needs to provide two phones to confirm the information about the borrower. It is desirable that the client has a deposit.

In addition, if the borrower has a positive credit history, banks will agree to give him a loan.

1. If you have valuable property, an apartment or a car. The loan can be extended to a large amount low interest. The amount can be up to eighty percent of the value of the property. Income verification is not required.
2. An unemployed citizen can get a loan of up to 500 thousand rubles if he wants to open his own business.

You can get a loan quickly using your passport, many bank customers have already done this. Now you do not need guarantors, it is also not necessary to leave a deposit and you do not need to bring a lot of certificates, you only need a passport.

How to get a car loan for an unemployed person is not a difficult question. The main thing is to choose a suitable financial institution with good conditions and convince bank employees that the car loan will be paid. Keep in mind that the annual percentage and the first payment may vary depending on the situation.

Car loans for the unemployed is a convenient service for obtaining targeted financing for the purchase of a car. The category of the unemployed includes not only non-working citizens, but also those who are not officially employed, people who work remotely or receive salaries in envelopes. They will not be able to provide the bank with a certificate of income or from the place of work, and banks are well aware of this. Therefore, services marked “unemployed” are created for such categories of citizens. Taking a car loan without work is a very real opportunity today, but subject to certain conditions that the bank puts forward. On our portal you will find a list banking organizations, which are engaged in the issuance of car loans for the unemployed. For the convenience of site visitors, the system will automatically calculate the amount of the monthly payment and the total amount of the loan.

The advantage of car loans for the officially unemployed

You can get a car loan if you are not officially working in many banking institutions. At the same time, the service is endowed with certain advantages:

• fast registration of the application via the Internet directly on the site;
• the opportunity to fulfill the cherished dream of buying a car on credit for the unemployed;
• a high percentage of approval of applications, however, an individual approach is applied to each client. Everyone can get a car loan. But someone will find a way to confirm income or to pledge property and get lower interest rates. And someone will be able to get a loan on trust, but at a higher percentage;
• the possibility of obtaining and repaying the loan amount in any accessible and convenient way.

Before taking a car loan for an unemployed person, it is necessary to clarify the process of obtaining a loan from a competent bank employee, find out about the need to provide additional security, about the amount of the minimum income for approval of the application.

How to get a car loan for the unemployed

Whether a car loan will be given to the unemployed depends largely on the person who applied to a banking institution. Initially, they are ready to issue loans to anyone who has reached the age of 18, who has never worked, who has recently become unemployed, who does not have official employment, and others. But in reality, loans to such categories of citizens are reluctantly issued, most often on special conditions and with an increased interest rate in order to reduce the risk of default.

Before you take a car loan, if you are not officially working, you need to prepare the following documents:

• passport and any other identification document (TIN, driver's license);
• papers demonstrating the stable financial situation of the client, for example, documents for the ownership of property, car, border crossing marks for the last six months, good credit history.

Since it can be quite problematic for an unemployed person to get a car loan, there are alternative factors that positively affect the course of consideration of a loan agreement:

1. Good credit history. Banks carefully study the information about their customers, so a high credit rating can be an additional advantage.
2. Availability of additional sources of income. A person who, for example, rents out his own housing and lives on this income, can also be considered unemployed. In this case, he must prepare for the bank a documentary confirmation of the rental of housing, which is notarized.
3. Engaging guarantors and securing collateral is a standard way to reduce bank risks, which increases the chances of a loan being approved.

In addition to having a positive credit rating, the borrower must meet the following requirements:

• age 21-65 years;
• citizenship of the Russian Federation;
• living in the same region where the bank's office is located;
• providing proof of existing income.

Our portal provides a list of banks that will allow the unemployed to buy a car on credit, offering him suitable and favorable conditions.

How to get a car loan for the unemployed? That is, a person who does not have a formalized permanent job and is not registered as an individual entrepreneur. This is a difficult question, since the main requirement for obtaining a large loan is high solvency, confirmed by documents. It is even more difficult to get a loan not for cars, but for commercial vehicles, since such loans are provided mainly to already registered entrepreneurs with at least six months of experience. However, for unemployed citizens, some lending opportunities exist.

What kind of loan can an unemployed person get?

The concept of "unemployed" is relative, since this group also includes people with a permanent income, who, however, do not have official employment. It is equally difficult for them to get a regular car loan, since there is no way to confirm solvency with an official income statement. However, there are several options for obtaining a loan without a salary certificate:

1. If a person works unofficially, that is, he has a regular income, then you can use the express lending program, according to which loans are provided according to two documents: a passport and a second identity document: a passport, driver's license, TIN or something else. Applications for such loans are considered in just a few minutes, so for such a period the bank cannot verify the complete information about the borrower. An additional important advantage will be a good credit history: if the borrower has already received loans and successfully repaid them, then he will again be able to take a profitable loan.
2. To get a small loan, you can use microcredit. What is the maximum amount they can lend to the unemployed (Voronezh)? Typically, the size of such a loan does not exceed several tens of thousands, and they are issued at very high interest rates. An unemployed person can also get such a loan, since the solvency of the borrower is not checked at all. Credit institutions will compensate for the increased risk with a high interest rate.
3. Exist credit programs aimed at business development. Borrower must provide a detailed business plan and convince financial institution in the success of the future project. In this case, the bank, most likely, will require some property as collateral: it can be a real estate object, land plot, another car. A novice entrepreneur is unlikely to receive an unsecured large loan.

There is also such an opportunity as a loan secured by solvent persons. However, in this case, the issue will be resolved individually. Without a positive credit history, the borrower is unlikely to be able to count on large loan even on bail, since the bank is unlikely to agree to deal with a problem borrower and risk the money invested.

Which banks provide truck loans?

Trucks and other commercial vehicles can be purchased from many banks, but most of them work only with registered entrepreneurs. How to get a car on credit without a certificate of income if the borrower needs a commercial vehicle?

A number of organizations are ready to work with private borrowers, but the interest rate in all cases will be high. Which bank is the best to contact?

• Orient Express Bank offers the most loyal lending conditions for borrowers: no down payment, income statements are required here, you can purchase both new and used vehicles, while there are no restrictions on the choice of transport in showrooms or from private buyers.

However, preferential terms turn into a big overpayment: the interest rate for a new client can reach 29% per annum. Such an expensive loan can only be taken if you are completely confident in the ability to pay off.

• VTB24 offers special program"Auto GAZ on credit", focused on the purchase of commercial vehicles. Borrowers can be individuals and entrepreneurs. Income must be confirmed, but this can be used not only standard help 2-personal income tax. The borrower can provide any documents confirming the receipt of income, including statements on his own bank account. Each case will be considered individually.

Interest rates on this loan are 16% per annum, and the maximum amount can reach 2.8 million rubles. The experience of entrepreneurial activity should be only 3 months, which is 2 times less than in standard banking programs. The loan term reaches 5 years, the first installment starts from 15%.

• In RosEvroBank, a loan for commercial vehicles of various types can be obtained by providing any documents confirming income. The loan term is 5 years, the loan rate starts from 18%. The purchased car must be insured under CASCO, the amount of insurance can be included in the principal debt.

Other options for buying trucks

In fact, it is extremely difficult to get a loan for an unemployed person for commercial vehicles without a large down payment. However, there are alternative solutions: many start-up companies prefer to take a car not on credit, but on leasing.

Leasing is a type of lease with a subsequent purchase. In this case, the credit history will not be checked, in addition, leasing companies are not very interested in the solvency of the client. The car remains the property of the previous owner until the full redemption, so the risk of the company is minimal.

Leasing will allow you to rent several cars, and with their help you can constantly make a profit and pay off the rent. By the end of the term, the transport will be fully redeemed, and it will become the full property of a private owner or enterprise.