Setelem repayment of the loan. Cetelem Bank: how to pay a loan. Limits on fund transfers

To pay for loans, Cetelem Bank borrowers have access to the entire network of Sberbank ATMs and self-service devices. In addition, there are other ways to repay loans. Read the article about how to pay off a loan with Setel.

Cetelem Bank: loan repayment at the organization's offices

The bank's website contains an information map that makes it possible to determine the location of offices in a specific locality. To repay a loan, the bank branch has access to the “My Bank” Internet resource. Cash payment is not provided.

How to pay for a Cetelem Bank loan at payment terminals and ATMs

The availability of payment and ATM machines makes the procedure for repaying Cetelem Bank loans quick and easy. Payment is accepted by Qiwi terminals, as well as ATMs and self-service devices of Sberbank.

The Qiwi service allows you to deposit cash using your loan agreement number. The maximum contribution is 15 thousand rubles. Payment is credited no later than 3 days from the date of payment. The commission is from 1.6% of the contribution amount, but not less than 100 rubles.

Numerous Sberbank terminals allow you to repay your Cetelem loan debt without queues or paying commissions. To transfer funds, the borrower must have a Sberbank bank card. The operation is performed in the menu item “Repayment of loans from other banks”. In the list of organizations you must select “Cetelem Bank” LLC. Enrollment periods range from 1 to 4 days.

Bank Cetelem: pay your loan online

A borrower who has taken out a loan from Cetelem Bank has the opportunity to use the “My Bank” Internet resource. Login to your Personal Account is carried out by entering the series loan agreement number and passport number and mobile phone number. You can withdraw funds from a Visa or MasterCard card of any bank. In the first case, the commission is 2%, in the second – 0.8% of the amount. The maximum amount of one payment is 75 thousand rubles. There is no limit on the number of payments per day. The money is credited to your credit account within 3 days.

Setelem borrowers who are clients of Sberbank repay loans in the Sberbank Online service. The transfer operation is free. The maximum transfer time is 4 days. It is possible to use the Autopayment service.

Qiwi e-wallet. Commission - 1.6% of the transfer amount, minimum 100 rubles. The maximum payment amount is 15 thousand rubles. The money is credited to your account within 3 business days.
Eleksnet payment system. Transfer fee – 1.5% of the amount, minimum 50 rubles. The maximum write-off amount is 15 thousand rubles. Time for transfer – 4 days.
Rapid payment system. Commission – 1% of the amount, minimum 50 rubles. (in Tekhnosila stores – 60 rubles, M.Video – 65 rubles). Maximum payment – 15 thousand rubles. Money in the account – within 3 days. The exceptions are the 7th and 17th of the month. If paid before 15:00 on these dates, the amount goes to its intended destination on the same day.
Postal transfer. Commission – 1.7%, minimum 50 rubles. You must send money 10 days before the payment date.
Bank transfer to other credit institutions. The commission is charged according to bank tariffs.
Executing a standing order at Sberbank to transfer funds from the borrower’s card.

Bank Cetelem: early loan repayment

Full early repayment of the loan is available in the “My Bank” service. The amount is calculated automatically.

To carry out partial early repayment of the loan, the client must call the bank’s hotline (8 800 50 05 50 3) a month before the date he has chosen and notify employees about the closure of the loan. Funds must be deposited into the account by the maturity date. The amount consists of the monthly payment, the amount of partial early repayment and accrued interest.

If you fail to repay the loan on time, penalties will be charged for each day of delay in accordance with the bank's tariffs.
When transferring an excess amount to close the loan, the money is available for return at the request of the client. The transfer is carried out with a commission.
If an amount equal to several payments is placed on a credit account, the funds will be written off monthly according to the schedule.

Cetelem Bank: loan repayment at the organization's offices

The bank's website contains an information map that makes it possible to determine the location of offices in a specific locality.

To repay a loan, the bank branch has access to the “My Bank” Internet resource. Cash payment is not provided.

How to pay for a Cetelem Bank loan at payment terminals and ATMs

The availability of payment terminals and ATMs makes the procedure for repaying Cetelem Bank loans quick and easy. Payment is accepted by Qiwi terminals, as well as ATMs and self-service devices of Sberbank.

Bank Cetelem: pay your loan online

Cetelem Bank: loan payment in other ways

Qiwi e-wallet. Commission - 1.6% of the transfer amount, minimum 100 rubles. The maximum payment amount is 15 thousand rubles. The money is credited to your account within 3 business days.
Eleksnet payment system. Transfer fee – 1.5% of the amount, minimum 50 rubles. The maximum write-off amount is 15 thousand rubles. Time for transfer – 4 days.
Rapid payment system. Commission – 1% of the amount, minimum 50 rubles. (in Tekhnosila stores – 60 rubles, M.Video – 65 rubles). Maximum payment – 15 thousand rubles. Money in the account – within 3 days. The exceptions are the 7th and 17th of the month. If paid before 15:00 on these dates, the amount goes to its intended destination on the same day.
Postal transfer. Commission – 1.7%, minimum 50 rubles. You must send money 10 days before the payment date.
Bank transfer to other credit institutions. The commission is charged according to bank tariffs.
Executing a standing order at Sberbank to transfer funds from the borrower’s card.

Bank Cetelem: early loan repayment

Full early repayment of the loan is available in the “My Bank” service. The amount is calculated automatically.

The amount consists of the monthly payment, the amount of partial early repayment and accrued interest.

Being a debtor of any credit institution, a citizen has the right to pay by transfer through another bank of which he is a client. At Cetelem Bank you can pay for a loan through Sberbank in several ways.

Through the main bank of the country, it is possible to pay payments on loans taken from other banks in several ways

Paying off a loan with Cetelem through Sberbank is available to any institutional client. To do this, it is not necessary to have an open account if you make repayments through the cash register. But if the borrower has an account or a card, then this action can be performed independently, using remote resources.

All possible payment options for loan payments for Cetelem Bank clients

Payment details

To make a payment, you must visit any bank office. Contact the employee and provide him with the payment details:

TIN, BIC and other data of the recipient bank;
Number of the credit account (agreement) intended for accepting payments from a specific person;
Last name, initials;
Amount of payment;
The period for which a payment or other note is made.

A passport is required for the operation. Having handed over cash to the cashier, the borrower receives a check indicating the transfer parameters. Delivery time often takes up to a day, less often – up to 2 days. Therefore, in order not to delay the loan repayment, it is better to complete the action in advance. If you have an open account, you can ask the employee to transfer money from it. Such operations usually occur in a few minutes or hours.

Payment via ATM

Another way to pay for a Cetelem loan through Sberbank is through an ATM. In this case, the transfer can be made from an existing card, for example, a salary card. You will need to insert plastic into any device. When activated by a PIN code, the user is taken to the main page, where he needs to select the Transfers and payment option. In the new window, click on Payment of loans from other institutions. Next, you need to select Cetelem from the list of institutions. In the payment order that appears, enter the amount and additional data. In this case, you no longer need to enter the details of the recipient bank; they are displayed automatically.

Loan repayment through an ATM is the most common option among borrowers

Pay a loan with Cetelem through Sberbank online: instructions

The most comfortable option for repaying credit debt is to use Internet banking. This will save the borrower time and will not require a personal visit to the location of the ATM or branch. You must first register if you do not already have access to your Account. This occurs by requesting a login through the Contact Center or ATM. With its presence, it is easy to complete the registration procedure.

Step-by-step instructions for paying a loan

All accounts and cards are visible in the service. The borrower can assess his condition and choose from which account it is better to order a transaction. The instructions look like this:

Go to the Translations section.
Choose to pay loans to other institutions.
Select the name of the recipient bank from the list.
Fill out the payment form.
Select a card for the operation.
Confirm action.

Step 1. To generate a payment, you must indicate the name of the recipient bank

Step 2. Next, fill out the form fields and click Continue.

Autopayment service and its setup

If it is necessary to pay a loan online through Sberbank at Cetelem Bank, the client saves this information after the transaction and can even print a receipt. If desired, you can set up an automatic transfer every month. This happens in the Autopayment section. Once you visit it, you need to customize the template. In terms of form and filling principles, it is similar to creating a one-time translation. By saving the template, the user does not have to worry about delays. The main thing is to make sure that the required amount is on the card indicated on it.

The transfer of monthly payments will occur according to the following algorithm:

The day before the day specified in the template, the borrower receives an SMS about payment preparation.
The next day the procedure takes place.
The client receives a notification.

The template is configured in the My Autopayments section

This algorithm allows you to cancel an operation if it is not needed now. If there is not enough money on the card on the agreed date, an alert will also be sent.

Credit offers from Cetelem Bank

Today, the banking institution offers Russians an extensive list of loan products. Among them, consumer loans and car loans are especially popular. According to the results of an assessment of the Russian car lending market, Cetelem occupies a leading position in selling car loans of the Sberbank Group. In 2017, the bank issued loans to consumers for the purchase of cars in the amount of 72.3 billion rubles.

The Svyaznoy network and the bank offer customers to use a consumer loan to purchase gadgets

How to get a loan from Cetelem after being rejected by Sberbank?

Since July 2018, a new concept for processing loans has been introduced for borrowers who were rejected by Sberbank. Customers who applied in person at a bank branch will now be able to receive a loan offer from Cetelem. Until now, such efficiency was only possible for borrowers who submitted an online application.

An important condition for cash lending is receiving an offer from the bank

What is the essence of the innovative proposal? Everyone knows that when considering loan applications, Sberbank sets strict requirements for borrowers in terms of solvency and financial discipline. Those applicants who do not meet these parameters will be rejected. Now the “refuseniks” of Sberbank have the opportunity to continue cooperation with Setelem. The banking institution has many years of experience working with the expertise of BNP Paribas Personal Finance and uses a credit scoring system when assessing potential borrowers. Thanks to this, the bank can offer the best loan products in the field of consumer lending.

Among other banks, Cetelem is distinguished by more flexible and convenient conditions for the provision of services and products

How does the procedure work for the borrower:

when submitting an application to Sberbank for a loan, the applicant simultaneously consents to the processing of personal data by Cetelem;
after refusal to apply for a loan, you receive an SMS offer from Cetelem;
confirmation of the terms of the loan occurs over the telephone when communicating with an employee of a banking institution;
registration of documents for the issuance of credit funds is carried out at a time convenient for the applicant at a bank branch or when the manager visits the client.

The new project of integration into the Sberbank marketplace has a number of advantages:

applicants who, based on financial indicators, belong to a high-risk clientele, can receive a long-awaited loan;
the availability of the offer was made possible thanks to the inclusion of Setelem’s loan offers in Sberbank branches and in its remote service system;
saving time searching for other financial organizations to obtain a loan;
There is no risk of contacting credit institutions with unacceptable lending conditions.

Conclusion

You can repay a loan not only through the bank that issued it. You can be a client of another banking institution and make payments on time using remote services or through a cash desk. To avoid delays, we recommend using the automatic payment service.

Cetelem Bank loan repayment is available in different ways. One of the most convenient and fastest options for making loan payments – transfer of funds through Sberbank Online. Read the article on how to do this.

To gain access to the Sberbank Online system, you must be a client of this credit institution and enter into a universal agreement for banking services. It's very easy to do this:

You must have at least one Sberbank international debit card. If there is none, then upon concluding the contract the client automatically receives a Maestro “Momentum” card.
Connect to the “ ” service. It will be required to receive and send SMS about completed operations.
Contact the office of the financial institution with your passport and conclude an agreement.

Login to the online service is carried out using identifiers - login and password. The loan repayment operation is available in the menu item “Payments and transfers” – “Repayment of loans from another bank”.

The list of organizations whose loans are available for repayment without a set of details includes Cetelem Bank.

Just click on its logo and enter the following data in the payment transfer form:

loan agreement number;
FULL NAME ;
Mobile phone number.

From the list of cards, select the one from which funds will be debited. This operation is not available with a credit card.

After checking that the data entered is correct, the operation is confirmed. An SMS with a code is sent to the borrower’s mobile phone, which the client enters in a special window on the payment pages on the website. Then the amount goes to its destination.

For those who periodically write off funds to repay the loan, it is possible to pay for the loan with Setele using the “Autopayment” service. The main advantage of this method of money is the automatic debiting of the established amount without the participation of the borrower. Connecting to the service is free. To do this, just go to the “My Auto Payments” tab and click “Connect Auto Payment”.

After this, you need to set the parameters of the monthly transfer: amount, date, credit agreement number and card number. If you wish to make a payment in a larger amount than provided for in the schedule, it is enough to make an additional one-time debit. After closing the loan, the service is turned off, otherwise the money will be debited and “stuck” in the Cetelem bank on a monthly basis. You can refuse automatic debit by clicking the “Disable autopayment” button.

Banks that issue consumer and targeted loans to citizens offer various repayment options. You can make your monthly payment in cash at a bank branch, or through payment terminals and ATMs installed in them. But this is not always convenient, especially for those whose free time does not coincide with the opening hours of the bank itself. Therefore, we will look at how to pay for a loan from Cetelem Bank online through Sberbank.

This method is suitable for all Sberbank clients who have a card account. You won’t need the card itself to make a payment, but you can use it to get a password for your first login to Sberbank Online. This can be done through an ATM, or by contacting bank employees. The manager will help, if necessary, download to a smartphone or tablet and configure the mobile application. If the password has already been received, then an additional contact with the bank to repay the loan through Sberbank online will not be required.

The received login and password are required to enter the official website of Sberbank Online. Special fields for entering them are located in the upper left part of the screen. The browser installed on your computer usually prompts you to save them. This is convenient, since in the future you will not have to re-enter your data every time you log in; this will be done automatically. If your password is suddenly forgotten, you can recover it.

After entering the password, the main page of the client’s personal account will open. On it you can see which cards and accounts are open and how much money is left on them. In order to make the next installment or fully repay the loan, you will need the “Transfers and Payments” menu item.

Next, you need to select the type of service: “Repayment of loans from another bank.” As a rule, a list of banks appears in the window that opens, transfers to which are possible through Sberbank online. You must select “Cetelem Bank” and click on the “Loan repayment” button.

Next, you will need to indicate the credit account number, consisting of 20 characters, and the date when the agreement was signed with the bank. After this, automatically filled fields with the payer’s personal data will be displayed. After checking them and entering the payment amount, you can click the “Pay” button. The receipt should be sent by email and saved.

Payment via mobile application

To repay a loan through Sberbank online, access to a desktop computer is not required. All you need is a tablet or smartphone. A free application is available for them in the App Store or Google Play. For its correct operation, it is recommended not to neglect regularly released updates. You can enter the application using a password or Touch ID.

The application has the same capabilities as the Sberbank online website. To repay the loan, you need to go to transfers, select the “Repay a loan from another bank” option. In the list of banks you need to find “Cetelem” and click on the “Pay” button

Further algorithm of actions:

enter the credit account number;
fill in the amount field;
check the entered data;
confirm your desire to make the payment.

Deadlines for crediting funds and commission

It will take a few minutes to write off funds from a Sberbank card. However, making a payment and crediting funds to your credit account takes a little longer. Processing will require at least one business day at your “own” bank. A transfer to another bank often takes three or even five days. This should be taken into account when making your next loan installment. To avoid involuntary delay, do not postpone payment until the last day.

To ensure timely debiting of funds, it is convenient to set up automatic payment. In this case, funds will be transferred automatically on the date specified during setup. But only if there are a sufficient number of them. Automatic payment will allow you not to think about the possible occurrence of debt.

The second feature that is worth remembering is the transfer fee. To repay loans from Cetelem Bank, it will be 1%. But, the minimum amount cannot be less than 30 rubles. If there are not enough funds to pay the commission, Sberbank online will refuse to complete the transfer. The maximum that can be debited from the card in the form of a commission is 1000 rubles.