A financial service such as credit is used by many citizens of Russia, as well as people outside it. Having received a money loan at a bank branch, a person assumes credit obligations. They must be performed monthly. The loan repayment procedure can be done in various ways, choosing one of the most convenient. Today we’ll talk about how to pay a cash loan through the terminal.
How to make payments
For simplicity and convenience of borrowers, most credit organizations make a payment schedule. It indicates the amount to be repaid and the day of the month. It is issued together with a loan agreement.
Before you begin to understand how to pay a loan in cash through the terminal, you need to find out the type of payment schedule. It can be composed according to a classical or annuity scheme. That is, payments are made in different or equal amounts.
It should be noted that it is necessary to repay the monthly loan debt in advance. Crediting a payment in some cases may be delayed for two, three days. This is extremely rare, but it is better to protect yourself. So any borrower will be sure that the payment is not past due and penalties are not charged.
Payment of a loan through the terminal
In order to make a loan payment through a terminal installed in a bank or supermarket, you need to have some documents with you. Required credit details, account number of the payee. All necessary data is indicated in the loan agreement.
In the terminal menu, you must select the item with the approximate name “Banking operations”, sometimes it may be called “Bank payments and transfers”. You need to find your bank in it. Next, select the payment section by details. In this paragraph, you enter all the necessary details and the amount of payment. Then the "Pay" button is clicked. Be sure to take and save the check. It will be necessary in case of disputes with the bank.
That's the whole step-by-step instruction on how to pay cash loan through the terminal.
However, it should be noted that in different banking terminals the procedure for making a payment may vary. So, in VTB24 terminals, payables are repaid using cards that are issued at the bank’s branch itself. It must be inserted into the terminal, select the menu item "Services and Deposits". Here we select the section "account replenishment" and the currency in which the payment will be made. The following is the credit account number indicated in the contract. It remains only to confirm the transaction and pick up the check.
Now about how to pay a cash loan through the Alfa Bank terminal. In general, it is absolutely standard. To make a payment, it will be necessary to indicate the number of the loan agreement, the beneficiary's account and the amount.
It is worth considering that the bank charges a commission when paying through the terminal. On average, it does not exceed two percent of the payment amount.
Such a simple instruction on how to pay a cash loan through the terminal is understandable and accessible to every borrower.
Sberbank Terminals
The most popular and widespread payment system throughout the vast territory of Russia are Sberbank terminals. Their number is approaching the mark of one hundred thousand pieces. According to the data provided by the bank itself, about five hundred million financial transactions are annually provided through the terminals. They include the loan repayment procedure.
Let's figure out how to pay a cash loan through Sberbank terminals. This operation is performed in just four steps, so anyone can cope with it with ease.
In order to make a payment, you will need the bank details specified in the loan agreement. They are the account number of the receipt of payment and the date of conclusion of the contract.
For convenience, this data is recommended to be rewritten and stored. So there will be no need to take with you all the documents, contract. If you have the necessary data, you can proceed directly to payment. To do this, select the menu item "Repayment of the loan." Here it will be necessary to enter the data requested by the terminal. Once this is done, the amount that is payable will appear on the screen. Of course, you can make more money. They will be credited against future loan payments. But the amount less than the specified will not work. The Bank has not provided for the procedure for dividing the monthly payment into several parts. It is recommended to carefully check the accuracy of the entered data, this will avoid errors when crediting funds.
Now you can begin to deposit money into the bill acceptor. It is worth remembering that the terminals do not give change. Therefore, it is worth taking care of the availability of the required amount in advance.
Be sure to take and save the check. It is recommended to keep them until the full repayment of the loan and longer.
Payment of a loan through QIWI terminal
Equally popular among the population are the Kiwi terminals. Previously, the payment system was called "Mobile Wallet." Almost half of all terminals belong to the Kiwi system. They can be found in almost every shopping center and even in small shops. They can pay for many services, including repayment of the loan.
It is advisable to be the owner of a “Qiwi” wallet, but if the borrower first makes a payment in this way, the system will create it automatically. For this reason, when carrying out this procedure, you need to have a mobile phone with you. An SMS with the necessary data will come to the number.
Then it remains to select the item “Payment for services”, then go to the section “Banking services” and “Loan repayment”. Here you select the desired bank, and enter the remaining data. After that, you can deposit money to the recipient's account.
That's the whole instruction how to pay a loan through the Qiwi terminal in cash.
What is the commission for Qiwi terminals
However, before making a monthly loan payment, it is important to consider some points:
- The terminals do not give change, for this reason it is worthwhile to prepare an exchange amount in advance.
- For the transaction, the Qiwi payment system withholds a commission. It is 1.5 percent of the amount paid. But at the same time, it cannot be less than fifty rubles.
- It is impossible to make a payment of more than fifteen thousand rubles at a time.
That's all the basic nuances of payment.
Payment through other terminals
How to pay a loan through the terminal of Sberbank, it is clear, but how to carry out this procedure in other banks? In general, it is standard everywhere. The names of the menu items may vary slightly. But the process itself remains unchanged.
The menu item "Payments and transfers" is selected, the necessary data is indicated. Next, money is deposited and a check is issued confirming payment. It must be maintained until full repayment of the loan.
The procedure of how to pay a cash loan through the terminal does not have any difficulties.
How fast money will be credited
In the overwhelming majority of cases, the credited funds are credited instantly or within fifteen to thirty minutes. Sometimes, with a heavy workload of the payment system, a payment may arrive within one day. In rare cases, money is credited to the account longer. But in general, three days are allotted for this.
What to do if payment is not received
When making a payment through any terminal, it is necessary to take and save checks. They may be required in situations where the money has not been credited to the account of the credit institution.
In this case, you must come with a check to the bank branch. You can also learn about the status of the payment by phone, which is indicated on the check. The payment system will receive data about it by check number.
However, there are such cases that the money was not credited to the account due to an error made when entering the data. In this case, return the lost amount will not work. For this reason, you should be extremely careful when entering data.