A request for partial or full early repayment can be submitted via Uralsib Online. 

This is the fastest and most convenient repayment method. The request will be executed on the date you specify (usually on the same day).

To make an early loan repayment, you need to complete two steps:

• Fund the account for loan repayment in any way convenient for you.

• Create a request for early loan repayment.

To create a request for partial or full early loan repayment in Uralsib Online, select the loan you want to repay, then select the "Early repayment" action.

To receive the Vehicle Registration Certificate (PTS):

• In Moscow - you need to send a message to the mailbox KKRS_msk@uralsib.ru 
• In other regions - please уточняйте information at the Bank office located in your region  
  

• Log in to Uralsib Online.

• Select your loan, click the full early repayment icon, and the amount required for full early repayment will be displayed in the window that opens.

• It is important to note that the amount required for full early repayment must be in the account before the application for early repayment is submitted

Visit a convenient bank branch.

• Uralsib Online is the most convenient payment method, top up your loan in 3 clicks. To top up, go to the mobile app or the Uralsib Online web version, select your loan and the card or account for top-up. From an account with Bank Uralsib, the top-up will be instant; from accounts with other banks, the top-up may take up to 3 business days.
• Faster Payments System (SBP) (instant top-up)

• The bank's branches (instant top-up)

If you find an inaccuracy in the credit history contained in the credit bureau regarding loans issued to you by Bank Uralsib, please submit an application at any Bank Uralsib office.

If you have a valid loan agreement with Bank Uralsib, you may also submit an application electronically via the chat in the Online banking or the mobile app Uralsib Online, or via the website.  

Personal insurance can be included in a car loan under the following insurance programs: 

Life and health insurance 

• Financial protection in unforeseen situations
• Reduces the loan interest rate
  
• Flexible choice of tariffs and coverage
  

Available from the bank's partners: Soglasie-Vita, Capital Life

Voluntary Health Insurance (VHI) While Driving. Health 360 by Capital Life

• Emergency medical assistance 
• Emergency inpatient care 
• Professional doctor's consultation

Voluntary Health Insurance (VHI) in case of an accident by Soglasie-Vita

• Consultation with qualified specialists 
• Emergency medical assistance 
• Immediate hospitalization

Car insurance can be included in a car loan.

Cost-effective KASKO

• Minimum set of risks: 
  -  Total constructive loss
  -  Theft / Stealing
• Affordable price
  
• Insurance term from 1 year
  

Available from the bank's partner insurance companies: 

RSO “EUROINS”
AlfaStrakhovanie
Ingosstrakh
VSK
RESO-Garantiya
SOGAZ
MAKS
SAK “ENERGOGARANT”
Sovcombank Insurance
Renaissance Insurance Group
IC “Soglasie”
GSK “Yugoriya”
Tinkoff Insurance
Absolut Insurance
Zetta Insurance
United Insurance Company
IC “Capital-Polis”
IC “PARI”
Sberbank Insurance
Rosgosstrakh
JSC “D2 Insurance”
LLC IC “INSIGHT”

From September 1, 2023, other insurance companies are also accepted if they have a credit rating from Expert RA/Analytical Credit Rating Agency (ACRA)/National Rating Agency (NRA)/National Credit Ratings (NCR) at a level not lower than BBB.

Auto Protection (instead of KASKO)

• Favorable set of risks:
  - Total constructive loss
  - Theft / Stealing
  - Additional health protection
• Reduces the loan interest rate
• Protection of outstanding loan debt

The bank's partner is Rosgosstrakh.

GAP insurance

• Required set of risks
  - Total constructive loss
  - Theft / Stealing
  
• Preserves the vehicle's original value
  
• Issued with any KASKO policy and keeps the insured amount unchanged
  

Available from the bank's partners - Capital Life.

The following services can also be included in a car loan:

Roadside assistance from Service Market  https://service-market.online/

• A sense of confidence on the road
• 24/7 assistance in any situation
  
• A wide range of services at an affordable price
  

The Total Cost of Credit is an important indicator that allows the Borrower to assess all expenses associated with obtaining and servicing a credit product.

The Total Cost of Credit includes not only the principal amount of debt and interest on the loan, but also various commissions and fees that may be charged by the bank. Such fees include:

– Fee for opening and maintaining an account;
– Fee for issuing and servicing the loan;
– Fee for early repayment of the loan;
– Fees for additional services (for example, Borrower life insurance).

Calculation of the Total Cost of Credit:

To calculate the Total Cost of Credit, it is necessary to take into account all the commissions and fees specified above. The formula for calculating the Total Cost of Credit is as follows:

The Total Cost of Credit = i * (1 + i)^n / (1 + i)^n - 1, where i is the annual interest rate, n is the loan term in years.

The Total Cost of Credit does not include:

• Fines, penalties,  liquidated damages for breach of the agreement terms;
• additional services from the bank, for example, SMS notifications;
• mandatory insurance;

If you find an inaccuracy in your credit history contained in the credit bureau regarding loans issued to you by Bank Uralsib, please submit an application to any Bank Uralsib branch.

If you have a valid loan agreement with Bank Uralsib, you may also submit an application electronically via the chat in the Online banking or the mobile app Uralsib Online, or via the website.

Income can be confirmed with one of the following documents:

1. Account statement from the Social Fund of Russia – the document can be ordered via the Gosuslugi portal

2. Income certificate in the bank’s form / Income certificate in the organization’s form – an alternative type of income certificate. You can download the approved form via the link and submit it to your accounting department for completion

3. 2-Personal Income Tax (PIT) certificate – to obtain the certificate, you need to contact your employer and request the document from the accounting department

4. Account statement for a payroll account with another bank showing credits for the last 12 months – income is considered provided that the statement indicates that the credit is salary payment

5. For the “self-employed” category – certificate of tax settlement status (income) for professional income tax

6. For the “individual entrepreneur” category – account statement from the individual entrepreneur’s current account with payment purpose indicated. In addition, documents confirming the income of Borrowers registered as individual entrepreneurs, as well as lawyers, notaries or other persons engaged in private practice, where another authorized person must act as the issuer of the relevant documents (signatory)

7. For the “pensioner” category – certificate of pension amount, or an account statement indicating the amount of pension payments received

It is sufficient to provide any one of these documents. As soon as you receive any of these certificates, send them to The bank by email at asp@uralsib.ru.

The simplest and fastest way is to send the account statement from the Social Fund of Russia directly through the Gosuslugi service. Once the request has been processed, click the “Send by email” button and specify the email address asp@uralsib.ru