Hello Slava, thank you for your question. You can actually purchase a Lada Granta car on credit without a down payment, but here you need to keep in mind some points so as not to waste your time.

Who sells Lada Granta on credit without a down payment?

The official LADAFinance program does not involve the sale of Lada Granta cars on credit without a down payment. Therefore, you will have to use “additional paths”, fortunately, they exist.

It is not necessary to visit offices to obtain initial data, since every self-respecting car dealer has a full-fledged informative website on the Internet.

Therefore, you should find out which official LADA dealers operate in your region and details of their offers.

You don’t even have to go to offices to get initial data, since every self-respecting car dealer has a full-fledged informative website on the Internet.

If we are talking about Moscow and the Moscow region, then the closest example of such a company is the official dealer of AVTOVAZ OJSC Autocentre Avtokompleks (formerly called Rostokino Auto). The company's partner banks are AiMoneyBank and Metcombank.

The loan terms are as follows:

Loan term – from 12 to 60 months;
The borrower's age must be at least 20 years (at AiMoneyBank - at least 21) and no more than 65;
Interest rate: 17-28% in AiMoneyBank and 19.5-20.5% in Metcombank;
The minimum length of service at your last place of employment is at least 4 months.

If you are in the region, you can also get a loan from this dealer without having temporary registration in Moscow or the region.

Now let's say a few words about a certain compromise option, according to which Grant on credit can also become your property without any problems.

This is Trade-In - a mutual settlement system widespread throughout the world, under the terms of which you can residual value already available to you old car transfer towards the purchase of a new one.

Actually, this is how it works Government program recycling.

The happy moment of purchasing a new LADA car can be brought closer. Take advantage of the LADA Finance lending program and make a purchase on favorable terms.
To calculate the monthly payment, indicate the desired configuration, the amount of the down payment and the loan repayment period. From the available offers, select optimal conditions lending and check out the list necessary documents and requirements.
Apply for a loan at your nearest dealership LADA or fill out the online form.

DETERMINE THE EQUIPMENT AND CONDITIONS OF THE LOAN

benefit RUR*

Compatible with Trade-in program

state
program

state
program

. Immobilizer
. Daytime running lights

12V socket

Air filter salon
. Light window tinting
. Audio preparation

14"" steel wheels

Driver airbag

. ISOFIX child seat anchors
. Locking the rear doors against opening by children
. Immobilizer
. Daytime Running Lights
. Emergency warning system ERA-GLONASS
. Anti-lock braking system with electronic brake force distribution (ABS, EBD)
. Brake Assist System (BAS)

On-board computer

. 12V socket

. Cabin air filter
. Light window tinting
. central locking

. Audio preparation

14"" steel wheels
. Decorative wheel caps
. Spare full size steel wheel 14""

Driver airbag
. Rear seat headrests 2 pcs.
. ISOFIX child seat anchors
. Locking the rear doors against opening by children
. Immobilizer
. Daytime Running Lights
. Emergency warning system ERA-GLONASS
. Anti-lock braking system with electronic brake force distribution (ABS, EBD)
. Brake Assist System (BAS)

On-board computer
. Gear shift prompt in the instrument cluster (MT only)
. 12V socket

Electric power steering
. Height adjustable steering column
. Cabin air filter
. Light window tinting
. central locking
. Power windows for front doors
. Heated exterior mirrors
. Air conditioner
. Audio preparation

14"" steel wheels
. Decorative wheel caps
. Spare full size steel wheel 14""

Driver airbag

. Rear seat headrests 2 pcs.
. ISOFIX child seat anchors
. Locking the rear doors against opening by children
. Immobilizer
. Daytime Running Lights
. Emergency warning system ERA-GLONASS
. Anti-lock braking system with electronic brake force distribution (ABS, EBD)
. Brake Assist System (BAS)

On-board computer
. Gear shift prompt in the instrument cluster (MT only)

. 12V socket

Electric power steering
. Height-adjustable steering column
. Cabin air filter
. Light window tinting
. central locking
. Power windows for front doors
. Heated front seats

. Air conditioner

. Side door moldings
. 14"" steel wheels
. Decorative wheel caps
. Spare full size steel wheel 14""

Driver airbag
. Front passenger airbag

. ISOFIX child seat anchors
. Locking the rear doors against opening by children
. Immobilizer
. Security alarm
. Daytime Running Lights
. Fog lights
. Emergency warning system ERA-GLONASS
. Anti-lock braking system with electronic brake force distribution (ABS, EBD)
. Brake Assist System (BAS)

On-board computer
. Gear shift prompt in the instrument cluster (MT only)

. Passenger sun visor with mirror
. 12V socket

Electric power steering
. Height-adjustable steering column

. Cabin air filter
. Light window tinting
. Folding key

. Power windows for front doors

. Heated front seats
. Electric drive and heated exterior mirrors
. Heated windshield
. Climate system

. Audio system (FM, USB, SD card, Bluetooth, Hands free), 4 speakers

Exterior mirrors with side direction indicators in body color
. Exterior door handles in body color
. Side door moldings
. 15" alloy wheels

Driver airbag
. Front passenger airbag
. Rear seat headrests 2 pcs.
. ISOFIX child seat anchors
. Locking the rear doors against opening by children
. Immobilizer
. Daytime Running Lights
. Emergency warning system ERA-GLONASS
. Anti-lock braking system with electronic brake force distribution (ABS, EBD)
. Brake Assist System (BAS)

On-board computer
. Gear shift prompt in the instrument cluster (MT only)
. Passenger sun visor with mirror
. 12V socket

Electric power steering
. Height-adjustable steering column
. Cabin air filter
. Light window tinting
. central locking
. Power windows for front doors
. Heated front seats
. Electric drive and heated exterior mirrors
. Air conditioner
. Audio system (FM, USB, SD card, Bluetooth, Hands free), 4 speakers

Exterior mirrors with side direction indicators in body color
. Exterior door handles in body color
. Side door moldings
. 14"" steel wheels
. Decorative wheel caps
. Spare full size steel wheel 14""

Driver airbag
. Front passenger airbag
. Rear seat headrests 3 pcs.
. ISOFIX child seat anchors
. Locking the rear doors against opening by children
. Immobilizer
. Security alarm
. Daytime Running Lights
. Fog lights
. Emergency warning system ERA-GLONASS
. Anti-lock braking system with electronic brake force distribution (ABS, EBD)
. Brake Assist System (BAS)

On-board computer
. Gear shift prompt in the instrument cluster (MT only)
. 60/40 split rear seat
. Passenger sun visor with mirror
. 12V socket

Electric power steering
. Height-adjustable steering column
. Adjusting the height of the front seat belts
. Driver's seat with height adjustment
. Cabin air filter
. Light window tinting
. Folding key
. Central locking with remote control
. Power windows for front doors
. Power windows for rear doors
. Heated front seats
. Electric drive and heated exterior mirrors
. Heated windshield
. Climate system
. Cruise control and speed limiter
. Audio system (FM, USB, SD card, Bluetooth, Hands free), 4 speakers

Exterior mirrors with side direction indicators in body color
. Exterior door handles in body color
. Side door moldings
. 15" alloy wheels
. Spare steel wheel for temporary use 14""

Driver airbag
. Front passenger airbag
. Rear seat headrests 3 pcs.
. ISOFIX child seat anchors
. Locking the rear doors against opening by children
. Immobilizer
. Security alarm
. Daytime Running Lights
. Fog lights
. Emergency warning system ERA-GLONASS
. Anti-lock braking system with electronic brake force distribution (ABS, EBD)
. Brake Assist System (BAS)

On-board computer
. Gear shift prompt in the instrument cluster (MT only)
. 60/40 split rear seat
. Passenger sun visor with mirror
. 12V socket

Electric power steering
. Height-adjustable steering column
. Adjusting the height of the front seat belts
. Driver's seat with height adjustment
. Cabin air filter
. Light window tinting
. Folding key
. Central locking with remote control
. Power windows for front doors
. Power windows for rear doors
. Heated front seats
. Electric drive and heated exterior mirrors
. Heated windshield
. Rear parking sensors
. Rain and light sensors
. Climate system
. Cruise control and speed limiter
. Audio system (FM, USB, SD card, Bluetooth, Hands free), 4 speakers

Exterior mirrors with side direction indicators in body color
. Exterior door handles in body color
. Side door moldings
. 15" alloy wheels
. Spare steel wheel for temporary use 14""

Driver airbag
. Front passenger airbag
. Rear seat headrests 2 pcs.
. ISOFIX child seat anchors
. Locking the rear doors against opening by children
. Immobilizer
. Daytime Running Lights
. Emergency warning system ERA-GLONASS
. Anti-lock braking system with electronic brake force distribution (ABS, EBD)
. Brake Assist System (BAS)

On-board computer
. Passenger sun visor with mirror
. 12V socket

Electric power steering
. Height-adjustable steering column
. Cabin air filter
. Light window tinting
. central locking
. Power windows for front doors
. Heated front seats
. Electric drive and heated exterior mirrors
. Air conditioner
. Audio system (FM, USB, SD card, Bluetooth, Hands free), 4 speakers

Exterior mirrors with side direction indicators in body color
. Exterior door handles in body color
. Side door moldings
. 14"" steel wheels
. Decorative wheel caps
. Spare full size steel wheel 14""

Driver airbag
. Front passenger airbag
. Rear seat headrests 3 pcs.
. ISOFIX child seat anchors
. Locking the rear doors against opening by children
. Immobilizer
. Security alarm
. Daytime Running Lights
. Fog lights
. Emergency warning system ERA-GLONASS
. Anti-lock braking system with electronic brake force distribution (ABS, EBD)
. Brake Assist System (BAS)

On-board computer
. 60/40 split rear seat
. Passenger sun visor with mirror
. 12V socket

Electric power steering
. Height-adjustable steering column
. Adjusting the height of the front seat belts
. Driver's seat with height adjustment
. Cabin air filter
. Light window tinting
. Folding key
. Central locking with remote control
. Power windows for front doors
. Power windows for rear doors
. Heated front seats
. Electric drive and heated exterior mirrors
. Heated windshield
. Climate system
. Cruise control and speed limiter
. Audio system (FM, USB, SD card, Bluetooth, Hands free), 4 speakers

Exterior mirrors with side direction indicators in body color
. Exterior door handles in body color
. Side door moldings
. 15" alloy wheels
. Spare steel wheel for temporary use 14""

Driver airbag
. Rear seat headrests 2 pcs.
. ISOFIX child seat anchors
. Locking the rear doors against opening by children
. Immobilizer
. Daytime Running Lights
. Emergency warning system ERA-GLONASS
. Anti-lock braking system with electronic brake force distribution (ABS, EBD)
. Brake Assist System (BAS)

On-board computer
. 12V socket

Electric power steering
. Height-adjustable steering column
. Cabin air filter
. Light window tinting
. central locking
. Power windows for front doors
. Heated exterior mirrors
. Air conditioner
. Audio preparation

14"" steel wheels
. Decorative wheel caps
. Spare full size steel wheel 14""

Driver airbag
. Front passenger airbag
. Rear seat headrests 2 pcs.
. ISOFIX child seat anchors
. Locking the rear doors against opening by children
. Immobilizer
. Daytime Running Lights
. Emergency warning system ERA-GLONASS
. Anti-lock braking system with electronic brake force distribution (ABS, EBD)
. Brake Assist System (BAS)

On-board computer
. Gear shift prompt in the instrument cluster (MT only)
. Passenger sun visor with mirror
. 12V socket

Electric power steering
. Height-adjustable steering column
. Cabin air filter
. Light window tinting
. central locking
. Power windows for front doors
. Heated front seats
. Electric drive and heated exterior mirrors
. Air conditioner
. Audio system (FM, USB, SD card, Bluetooth, Hands free), 4 speakers

Exterior mirrors with side direction indicators in body color
. Exterior door handles in body color
. Side door moldings
. 14"" steel wheels
. Decorative wheel caps
. Spare full size steel wheel 14""

Driver airbag
. Front passenger airbag
. Rear seat headrests 3 pcs.
. ISOFIX child seat anchors
. Locking the rear doors against opening by children
. Immobilizer
. Security alarm
. Daytime Running Lights
. Fog lights
. Emergency warning system ERA-GLONASS
. Anti-lock braking system with electronic brake force distribution (ABS, EBD)
. Brake Assist System (BAS)

On-board computer
. Gear shift prompt in the instrument cluster (MT only)
. 60/40 split rear seat
. Passenger sun visor with mirror
. 12V socket

Electric power steering
. Height-adjustable steering column
. Adjusting the height of the front seat belts
. Driver's seat with height adjustment
. Cabin air filter
. Light window tinting
. Folding key
. Central locking with remote control
. Power windows for front doors
. Power windows for rear doors
. Heated front seats
. Electric drive and heated exterior mirrors
. Heated windshield
. Climate system
. Cruise control and speed limiter
. Audio system (FM, USB, SD card, Bluetooth, Hands free), 4 speakers

Exterior mirrors with side direction indicators in body color
. Exterior door handles in body color
. Side door moldings
. 15" alloy wheels
. Spare steel wheel for temporary use 14""

Driver airbag
. Front passenger airbag
. Rear seat headrests 3 pcs.
. ISOFIX child seat anchors
. Locking the rear doors against opening by children
. Immobilizer
. Security alarm
. Daytime Running Lights
. Fog lights
. Emergency warning system ERA-GLONASS
. Anti-lock braking system with electronic brake force distribution (ABS, EBD)
. Brake Assist System (BAS)
. Electronic Stability Control (ESC)
. Traction Control System (TCS)
. Hill Start Assist (HSA) (only for AMT Luxe Prestige)

On-board computer
. Gear shift prompt in the instrument cluster (MT only)
. 60/40 split rear seat
. Passenger sun visor with mirror
. 12V socket

Electric power steering
. Height-adjustable steering column
. Adjusting the height of the front seat belts
. Driver's seat with height adjustment
. Cabin air filter
. Light window tinting
. Folding key
. Central locking with remote control
. Power windows for front doors
. Power windows for rear doors
. Heated front seats
. Electric drive and heated exterior mirrors
. Heated windshield
. Rear parking sensors
. Rain and light sensors
. Climate system
. Cruise control and speed limiter
. Audio system (FM, USB, SD card, Bluetooth, Hands free), 4 speakers

Exterior mirrors with side direction indicators in body color
. Exterior door handles in body color
. Side door moldings
. 15" alloy wheels
. Spare steel wheel for temporary use 14""

down payment

36 RUR

36 months

loan repayment period

Monthly payment calculation generated using loan calculator, is preliminary, subject to clarification before or immediately upon concluding lending/insurance agreements, is for informational purposes only and under no circumstances is it a public offer as defined by the provisions of Article 437 Part 2 of the Civil Code Russian Federation. For detailed information, please contact the official dealers of PJSC AVTOVAZ.

The Lada brand is the leader among brands on the Russian market passenger cars by the number of cars sold this year. Over 184 thousand new Lada cars were purchased during the year different models. The reason for such impressive results was the current state program in the country to subsidize borrowers applying for car loan for Granta(Lada) and other cars Russian assembly. However, the sales volume of used Lada cars is also significantly high, despite the lack of benefits on loans for used cars - more than 125.5 thousand used Ladas were sold over the year, including almost 5 thousand. Lada Granta.

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Currently, for the purchase of a Lada Granta car, Russian banks provide three types of car loans: standard (under programs designed for the purchase of any car), subsidized (as part of a state support project for the domestic automobile industry) and partner (with a discount from the manufacturer).

Regardless of the program chosen, in order to take out a car loan for a Lada Granta, you need to pay an advance in the amount of 15-30% of the cost of the car. The loan repayment period ranges from 6-12 to 36-60 months.

Car loan for Lada Granta - car in installments at 0%

People who do not want to take out a loan to buy a car can apply for Grant in interest-free installments at Metcombank. As part of a partnership agreement between this bank and official dealers of Lada cars, cars are sold in installments for 6 months without commissions, subject to the client repaying an advance payment in the amount of 50% of the cost of the vehicle.

The installment plan can be extended for another 6 months by paying a fee of 10 thousand rubles to the financial institution. To participate in the program, the client’s consent to register CASCO insurance with an insurance company accredited by the bank is required.

The client’s application is considered on the day of application, installment plans can be issued according to the passport. The car is given to Metcombank as collateral as a guarantee that the buyer will fulfill his obligations.

In the absence of a down payment sufficient for the purchase new car in installments, you should pay attention to the Lada Finance affiliate program. A number of large banks take part in it: VTB 24, Metcombank, Cetelem, UralSib OJSC, Rusfinance, UniCredit CJSC and Tatsotsbank.

Even without taking into account government subsidies, program rates start at just 14.4% per annum. Thanks to the participation of many banks in Lada Finance, the terms of partner car loans are very flexible: it is possible to purchase a car without a certificate of income and/or CASCO. In addition, the client can count on receiving a discount of 30-40 thousand rubles. from the manufacturer, due to him under the affiliate program.

Loan for a Lada Granta car under the state program

The optimal loan rate for a Lada Granta car can be taken under the program from the Ministry of Industry and Trade, designed for the purchase of new cars in 2015-2016. from official dealers. For example, Cetelem Bank offers a loan under a partnership program and at the same time with a discount from the state of 2/3 of the refinancing rate of the Central Bank of the Russian Federation - at 11.5-13% per annum. In general, the cost of preferential car loans varies from 7.23% to 13.34% in different banks.

A borrower who decides to buy a Grant car can take out a loan for up to 3 years with a down payment of 30%. To obtain a loan, it is necessary to obtain a comprehensive insurance policy; otherwise (depending on the bank’s policy), either the base rates are increased or the borrower does not receive a loan.

Lending

The main advantage of car loans at a car dealership is the ability to buy a car without going to the bank and pay only part of the cost, and pay the rest later.

At DC Alan-Auto, the official dealer of AVTOVAZ, you can buy new car Lada on credit without a down payment and overpayments - just choose a suitable car loan program, and thanks to the availability of the service Express Credit You will become the owner of a new car within a couple of hours.

Qualified specialists of our company have extensive experience in cooperation with banks that occupy leading positions in the Russian market lending, will promptly help you choose the right one credit program in accordance with your wishes, receive the optimal offer from partner banks, and also submit an application to the selected partner bank with favorable conditions and will do everything possible to ensure that you are satisfied with the proposed loan terms.

It is profitable to buy a LADA car on credit from official dealer Alan-Auto is available under the LADA FINANCE program - LADA on credit.

• This is a special preferential lending program implemented by AVTOVAZ LLC in partnership with the country's leading banks - Cetelem Bank (Sberbank), VTB 24, RusFinance Bank, UniCredit Bank, Sovcombank. As part of the LADA FINANCE program, you can purchase a new LADA car on credit on favorable terms:
• Loans without commissions Partial and full
• early repayment of the loan without penalties and restrictions on the amount Solution on a loan for a new car
• valid for 100 days Term consideration of a loan application

• passport and any identity document:
• driver's license
• International passport of a citizen of the Russian Federation certificate of registration in tax authorities
• (TIN)
• insurance certificate of compulsory pension insurance (SNILS)

More information about the benefits of the LADA FINANCE Program can be found here

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My wife and I decided to come to Moscow to buy a car. We came for another car, but thanks to Dinar, who set us on the “true path,” we bought a completely different car with excellent equipment. We are grateful to the entire team, especially manager Dinar, who spent the whole day with us. And now we will finally go home in a new car. Thank you very much, it was a pleasure working with you.

We bought a Hyundai Creta car at the VitaAuto car dealership. I was very surprised by the pleasant attitude, care for the client and attention from the company. I would like to express special gratitude to Artem for his professionalism, humanity and positivity. They picked out the car that we had only dreamed of. This is a wonderful gift for the New Year!!! Thanks to the VitaAuto car dealership and people like Artem! Good luck! Happy New Year!

Irina from Penza purchased a Hundai Greta car at the VitaAuto dealership

Many thanks to the manager Artem for his friendly attitude towards customers. We came with the whole family from Penza and plunged into an atmosphere of attention and care. Artem competently explained to us which car and which configuration is better to choose! Thank you very much for your care and attention, we wish him good luck and success in life!

Feedback from a buyer from Moscow who bought a car at the VitaAuto auto center at a good discount

I came to the VitaAuto auto center to pick up a new car. Thanks to manager Denis! He was always by my side and I didn't feel abandoned. The auto center has a very pleasant atmosphere and team. Everything was done amazingly: I came for one car and chose another - many thanks to Denis for this. They gave us a lot of gifts: tires, mats, a driver's kit, and an MTPL policy. Thank you for your warm welcome!

Olga thanks the VitaAuto car dealership for purchasing DongFeng

There was a wait, but not in vain! Thanks to the managers: Artem, Marina and Yulia for purchasing the “cute shirt”. I wish your car dealership prosperity and great sales.

Evgenia Mikhailovna was pleased with the attitude of the manager of the VitaAuto car dealership

We visited your car showroom, purchased a car, everything is very chic. I was very pleased with the attitude of the manager Artem, well done! His service was excellent top level. Thanks everyone!

Natalya purchased Chevrolet car at the VitaAuto showroom

We bought a car at this dealership, we were very pleased with the sales manager Artem, I express my gratitude to him.

Mikhail and his wife received gifts when buying a car at the VitaAuto dealership

Today we purchased a car at the VitaAuto dealership. Our manager was Artem, we were very pleased with his work. The cars are wonderful, we planned one thing, bought another, but we were happy with the purchase. We received gifts.

Purchased a car Mitsubishi ASX at the VitaAuto showroom

We purchased a Mitsubishi ASX car at the VitaAuto car dealership. Special thanks to Andrey and all the employees who are really attentive and do their job well. We will recommend our friends to visit this dealership in the future.

Many thanks to the VitaAuto car dealership

Many thanks to VitaAuto and all its employees who helped us obtain a loan. All the best: health, happiness, prosperity.

Our customers liked the car and the service at the VitaAuto dealership

We arrived at a car dealership to buy a car. I really liked the car. I also really liked the service, all the managers are good and friendly. We received a gift, many thanks to the VitaAuto car dealership!

The client liked the lending conditions at the VitaAuto auto center

I would like to say a few words about the VitaAuto auto center. I have visited many car dealerships, everywhere there is a rude attitude, but at the VitaAuto auto center they really provide you with all the conditions for buying a car, and you can quickly, literally in a day, register great car. Thanks to managers Ilya and Artem.

Clients bought a new car at the VitaAuto auto center on credit and received a set winter tires For a present

Very good auto center with polite and pleasant service. Special thanks to the manager Renat, an erudite and pleasant person, he explains and shows everything clearly. Also thanks to the head of the sales department, Alexander: a polite and competent specialist. I hope we will return to your dealership for a new car. Good luck!