Is it easy today to find a responsible bank that honestly talks about all the nuances of its services? The answer seems obvious. However, almost everyone has to resort to the services of such financial and credit institutions, regardless of the type of their business activity. For example, a loan for some consumer needs or a large purchase is often required. It is far from always possible to wait for the moment when the necessary amount will be accumulated. That is why bank loans are so incredibly popular. However, in order not to get into the network of unscrupulous financiers, it is important to choose an institution that functions honestly and helps you implement any of your projects. Many consider Cetelem Bank a suitable option. What is the peculiarity of this financial institution? What loan products does it offer its customers? What do the reviews say about the features of its functioning? All this will be discussed in this article.
About the bank
According to customer reviews about the establishment of Setelem Bank, it is called one of the most popular financial institutions providing consumer loans in the Russian Federation. This organization is able to offer its customers a wide range of services and loan products, among which car loans, loans for urgent needs, consumer loans and credit cards are especially popular. All this can be used even without a direct visit to the bank. Representatives of the institution are always at the points of sale.
There are more and more branches of the bank in question in the country: the geography of the company's presence is constantly expanding. Today, more than seven and a half thousand workers work in the offices of this organization in 75 different regions of the Russian Federation. Regional branches are also very popular, for example, "Setelem Bank" (Saratov). Reviews enthusiastically respond to the fact that there is a branch of the institution in a particular city.
The philosophy of the bank is as follows: provide financial solutions that would significantly contribute to improving the quality of life of each client. The institution seeks to gain the trust of its visitors and become their reliable partner in the implementation of personal projects.
A striking difference between the bank in question is the presence of the Code of Business Ethics. This document contains information on approaches, the basic principles of the functioning of this organization and the rules of conduct for employees both in relation to the client and among themselves. It outlines existing professional standards and affirms corporate moral and ethical values. The provisions of the code are required to comply with each employee of the bank. The main principles recorded in this document:
- Social responsibility.
- Financial literacy.
- Responsibility for lending.
- Compliance with applicable laws and regulations.
- Conscientious performance of their duties.
Cars on credit
Reviews on "Setelem Bank" on car loans account for the vast majority of all customer feedback. The popularity of this service has remained astonishingly high over the past few years. This is due to the fact that in many regions the desire to have a car has long moved from the category of caprice to everyday necessities. However, the financial capabilities of the population are extremely rare to acquire a car immediately, having paid its full cost. How to be in this situation? Take advantage of the proposal under consideration from the financial institution "Cetelem Bank". Car loan reviews show that this service has already helped thousands of people to start using their desired car immediately, and to pay its cost as much as possible. The proposal under consideration affects cars of different classes and brands. It all depends on your desires, needs and opportunities.
Why such beneficial conditions can offer precisely "Setelem Bank"? Customer reviews on car loans explain this by the fact that this particular institution has one of the widest partner networks, which includes official dealers and car manufacturers. This allows you to become the owner of a good vehicle without special financial and emotional costs. The program applies to both new and used cars, both foreign-made cars and domestic cars. The bank offers many different lending options. Among them, you can choose the one that is most suitable for you.
Advantages of such cooperation with the bank in question:
- Low interest rates.
- No need to visit a bank branch (a loan can be issued directly at a car dealership).
- The institution actively cooperates with the most reputable car manufacturers and their authorized dealers.
- The loan can be repaid ahead of schedule at any time.
Shopping on credit
Is it difficult to get a loan at Cetelem Bank? Reviews say that it is incredibly simple. Moreover, the bank offers the customer a choice of several different programs for obtaining loans, each of which has its own characteristics and conditions. For example, one of the offers is loans for connoisseurs of shopping. The down payment for this program is from zero to 90%. The repayment term of such a loan can be from six months to three years. The amount that can be received ranges from 5 to 450 thousand rubles.
All credit programs, which were formed by the financial and credit institution "Setelem Bank", are aimed at providing the population with the opportunity to improve their quality of life. Therefore, loans that are intended for consumer needs are the most popular product of this organization. Often they can be obtained directly at retail outlets where bank employees are regularly located.
A client can also get a loan for his personal needs. For example, to purchase household appliances, clothing, building materials, motorcycles or furniture. This is especially simple if you make purchases in those retail chains that are partners of the bank in question.
In order to update the design of your apartment, purchase new clothes or a small vehicle, you can get a consumer loan at a relatively low percentage. The following programs are intended for this:
- Easy Plus;
- "Express Plus";
- "Setele Moto";
- "No overpayment."
Regardless of which particular lending program you choose, be sure that the interest rate will be reasonable, and the package of documents that will need to be collected is minimal. Each application for a loan is considered as soon as possible.
Insurance online
Reviews on the Setelem Bank talk about a convenient insurance system. How to take part in it? To get started, select the appropriate tab on the official website of the bank. There you can perform all the necessary steps for this. To get started, choose which type of insurance is right for you. After that, you can calculate the exact cost of the policy, formed in accordance with all your needs. As customers say about this service from Setelem Bank, it allows you to issue an insurance policy directly on the bank’s official website.
Among the proposals of this financial institution, the following can be distinguished:
- CASCO;
- green map;
- CTP;
- apartment insurance;
- travel insurance.
Cash loan
Reviews on the Setelem bank report that this institution allows you to get a cash loan at any representative office. What are the conditions for such loans?
- The amount of the loan can range from fifteen to three hundred thousand rubles.
- The term for which a loan can be issued is from 6 to 60 months.
- Comfortable interest rate - from 16.9 to 37.9% per annum.
What are the benefits of this offer?
- An application may be filed by telephone.
- An application can only be filled out using a passport.
- No guarantors or certificates are required.
- The decision of the bank will be received within the shortest time (one business day).
- The loan can be repaid ahead of schedule at any time.
What are the requirements for the borrower?
- A citizen of Russian Federation.
- Age from 21 years to 65 years.
- The presence of permanent registration in the territory of operation of the bank in question.
- The presence of a bank offer.
What documents will be needed?
- Passport of a citizen of the Russian Federation.
- One of the additional documents (passport, individual tax number, insurance certificate of the State Pension Fund, driver's license).
Bank cards
Reviews on the Setelem Bank especially highlight another service of this institution. We are talking about the possibility of obtaining a bank card: credit, debit or special (for example, there are separate offers for residents of Moscow). There are several service options for each type of card. You can choose the alternative that is most suitable for you.
Bank career
Do you need a job at Cetelem Bank? Reviews say: the selection criteria in the institution are such that meeting them is not so difficult. This is largely ensured by the personal qualities of future employees. For example, initiative, an active life position, as well as a permanent result orientation are important. Of course, a combination of these qualities is not inherent in every applicant. Nevertheless, every year, new and new employees replenish the bank’s staff. Their number today is more than 7500 people. What unites all these people? A unified way of thinking and the desire to bring the bank among the leaders in the lending market. To achieve this goal, the management of the institution constantly ensures that its employees grow professionally. This is vital for each employee to be sufficiently competent and able to make their own contribution to the common cause.
Before each new member of the team of the bank in question opens up the broadest professional opportunities. It is they that allow him to prove himself as a competent specialist, maximize his openness and influence the result of the functioning of the company as a whole.
In the process of selecting applicants, absolutely equal conditions are created for all candidates. This is essential in order to be able to correctly assess the abilities, experience and skills of each of them. In the selection process, the most modern methods are applied, which have already managed to prove their own effectiveness. This is how a workable team is created. What is the inside view of the work at Setelem Bank? Employee reviews will be discussed later. With their help, you can create for yourself a complete picture.
Customer reviews
This is not to say that visitors are fully satisfied with the work of the institution in question. Reviews on the bank "Setelem" leave a variety. And it is worth considering that the overwhelming majority of the negative among them. Customers are dissatisfied with the fact that, as a rule, an insufficient number of transaction officers work at the same time in a bank branch. As a result, large queues are formed. Often visitors are forced to spend several hours resolving their issues in the bank in question. In fact, the reviews about the Setelem bank contain complaints of this kind, as well as dissatisfaction with the unfriendliness of the staff, the slow service and the inconvenient location of the branches. Nevertheless, a huge number of people remain his clients, thanks to the reliability of the institution.
Employee feedback
What do employees reviews say about the Setelem Bank establishment ? About pleasant impressions when working in this bank talk extremely rarely. As a rule, employees are unhappy with the conditions in which management plunges them. The rude attitude of the bosses, the constant unpaid processing, the unfair, from the point of view of many, bonus calculation scheme, the unclear selection criteria for hiring, the colossal liability of each employee, the incompetence of some managers, and low salaries annoy employees.
Sometimes, the advantages are the absence of delays in the payment of funds, as well as good relations within the team. Such information is reported on the establishment of Cetelem Bank by employee reviews. Most of them categorically do not recommend finding a job in this financial and credit organization. Conclusions are best done on their own.
Conclusion
"Cetelem Bank" is a reliable financial and credit institution, which is ready to meet its customers and help them in the implementation of their most ambitious projects. Go for it! Become one of the happy customers of the bank in question. Nevertheless, do not forget to carefully read all the terms of the agreements to which you become parties. This will help to avoid any unpleasant surprises. And then your cooperation with this bank will not be overshadowed by anything.