It's no secret that every motorist dreams of becoming the owner of his own brand new car, which will delight his eyes and soul every day. Unfortunately, not everyone succeeds in fulfilling their dream. However, those who are not accustomed to give in to difficulties find a way out. Some borrow money from relatives or friends, while others prefer to get a loan from a bank. Today, this service is provided by many banks, but one of the recognized leaders in the auto insurance industry is, of course, Europlan.
General information about Europlan Bank
Europlan Bank is an autofinance company established in 1999 and operating in three main areas:
- Auto banking services.
- Auto insurance.
- Leasing of special equipment and vehicles (cars, trucks, as well as commercial).
Thus, today Europlan is a company offering its customers (private individuals and organizations) a full range of high-quality and modern auto-financial services. Over the 15 years of its existence on the Russian market, Europlan Bank has concluded more than 130 thousand contracts and deservedly occupies a leading position in the car leasing industry among numerous non-state companies. The company values ​​its impeccable reputation and does not cease to please customers with high quality service. The main office of the company is located in Moscow, at the address: st. Malaya Sukharevskaya Square, Building 12.
Mission, Values ​​and Goals of Europlan
The company's management claims: their mission is to convey to the world information regarding why Europlan was created, what is its uniqueness and usefulness. Bank employees strive to constantly improve and be useful to each client. For this, they are ready to work tirelessly, working ahead of the curve and boldly challenging everything new and unknown.
The company has a favorable, friendly atmosphere. Mutual assistance, trust and respect are values ​​shared and supported by all members of Europlan, without exception. A well-established internal culture contributes to the successful implementation of the main goals of the bank and is highly appreciated by satisfied customers.
What banking services can Europlan customers use?
Commercial bank Europlan offers all motorists and interested parties a whole range of auto-financial services. We are talking about car loans for both new and used cars, high-yield deposits (“Savings account” and the so-called “Europlan deposit”) and premium Europlan Autoclub bank cards, which are received quickly, without unnecessary trouble and on very favorable conditions for customers. Europlan Bank focuses on the efficiency and quality of work, as well as on the level of qualification and professionalism of its employees. Consultation can be obtained remotely. Thanks to this, customers have a unique opportunity to use the services of the bank without leaving their home. They absolutely do not have to personally contact the department. Just dial a phone number and a polite bank employee will help to solve any, even the most difficult problem. At the same time, the waiting time will be minimal.
Any transaction on a deposit, loan or account is now possible to carry out online. Moreover, even a contract can be concluded, being hundreds or thousands of kilometers from a bank branch. You do not need to have special skills for this. It is only necessary to leave a request on the official website of the bank, which will be considered as soon as possible. If approved, all necessary documents will be delivered to the applicant at home.
Successes of Europlan
Due to the very simple and understandable for each line of banking products offered by Europlan, its activities have repeatedly been highly appreciated by numerous independent experts. For example, in 2013, the Banki.ru portal, in its ranking of auto loans, awarded the “New Cars” car loan an honorable 2nd place.
At the beginning of 2014, RBC Rating Agency recognized Europlan Bank as the most profitable in terms of placing funds for a period of 731 to 1100 days. The achievements of the bank do not end there. Thus, in March, and then in April 2014, the “New Cars” car loan ranked first in the ratings of the Sravni.ru portal as the most profitable of all existing ones. In the same period, Banki.ru portal included the “Europlan Contribution” into its TOP-20 most profitable ruble deposits for 1 year with the right to replenish.
Europlan Autoclub Program
When you open a deposit or apply for a bank card in Europlan, each client gets a unique opportunity to become a member of the Europlan Autoclub program. By participating in this program, bank customers significantly save on the maintenance of their vehicle, as they are offered huge discounts on various services and goods. In addition, in accordance with the terms of the program, they are awarded bonus rubles, which they can use when calculating in the partner companies of the bank.
Reliability of Europlan
Why is the number of those who choose Europlan bank constantly growing? Customer reviews provide an exhaustive answer to this question. Both individuals and organizations emphasize the high level of reliability and manufacturability of the bank. In this regard, it should be noted that in 2013 Europlan was assigned the “A +” rating, which indicates the high solvency of the bank. Also, customers may not have to worry about the safety of funds invested by them in Europlan Bank. Deposits are reliably protected by the DIA insurance system. In addition, clients' financial resources are not used to provide doubtful consumer loans to third parties, but are invested in assets - vehicles.
Car loan provided by Europlan
The car loan offered by Europlan Bank is especially popular with customers. The addresses of the branches where you need to apply for its registration can be easily found on the bank's website. So, one of the client offices is located in Moscow at the following address: Rocket Boulevard, 16 (business center "Alekseevskaya Tower"). In St. Petersburg, the Europlan office is located at ul. Kolomyazhsky prospekt, d. 27, business center "Commonwealth", 7th floor.
The amount of the loan can reach up to 7 million rubles with an annual rate of 9.99%. No down payment is required. Thus, buying a car of any make and year of production becomes available to almost everyone. Plus, to obtain a loan, no guarantor or deposit is required. The guarantee to the bank will be only the car purchased by the client, that is, the vehicle will act as security for the transaction. In the case of the purchase of a used vehicle, it is possible not to issue a CASCO at will. The loan repayment term is also very liberal at 65 months. There is a possibility of early repayment without additional fees. A loan payment can be made personally by the borrower or his trustee.
What are the requirements for potential borrowers?
Is it difficult to get a loan by contacting Europlan Bank? Feedback from borrowers suggests that the terms of the loan are very simple. You do not need to run around various instances and collect a lot of certificates and documents. It is enough to have the citizenship of the Russian Federation, age 20 years or older, a permanent job, in which the potential borrower has worked for at least 3 months. If these conditions are met, then no problems with the registration of a car loan should arise. The decision on its provision is made within only 15 minutes.
Europlan Bank: car loan, reviews of borrowers
The number of grateful customers of Europlan Bank is growing every day. Tens of thousands of accolades about the car loan provided by the bank, it is easy to find on the Internet. People who have become owners of their own vehicles thanks to a loan issued at Europlan note the high professionalism of the bank's employees, as well as the amazing efficiency of their work. Remote maintenance allows you to solve any problem that arises simply with lightning speed. Of course, the population is pleased with the low interest rates on the loan, an individual approach to each person and the opportunity to independently choose the most convenient monthly payment. Many of those who used the services of the bank once become their regular customers.