POS lending. It was decided to highlight POS loans in a separate line What is pos microloans

Many stores, especially large ones, allow their customers to buy their goods on credit. This service has become very popular among buyers, as it allows you to quickly and without unnecessary documents take a loan for the desired purchase. You will learn about what is customer lending in your store and which banks offer it in this article.

Lending in stores is also called POS-lending (from the English point of sale - point of sale). This service is provided by several large banks. Lending in the store will attract buyers who are willing to overpay for the opportunity to purchase the desired product here and now.

As a rule, POS lending is available for medium and large companies, but some banks are ready to cooperate with small businesses.

A POS loan is a targeted loan to pay for goods (less often - services), which is issued to a buyer or customer directly during the checkout process. The issuance of such a loan is handled by a bank employee attached to the store. Its registration takes place in an accelerated mode with a minimum package of documents.

When issuing commodity credit in this way, both the bank, the store and the customer benefit. The first one gets a potential client, and also earns on interest and additional services(most often - insurance). The second attracts buyers and simplifies the marketing of certain categories of goods. The third receives a loan to pay for the desired purchase with a quick registration and without a large package of documents.

Most often, the credit purchase service is available in stores selling electronics, household appliances, expensive clothes, furniture, building materials and jewelry. It is available not only in regular stores, but also in online stores.

On the other hand, such loans are more risky than ordinary loans, which are issued at a bank branch. The reason is that there is a high likelihood of encountering no return. With a quick loan processing during the purchase process, the bank does not have time for a thorough assessment of the borrower and making a decision. Therefore, such a loan can be obtained by those who, under normal conditions, are likely to be refused.

Features of the terms of loans and installments in stores

A POS loan is issued for an amount equal to the value of the purchase or a specific product in it. Minimum and maximum amount are usually limited by the terms of the bank or shop. His term depends on the parameters of the purchase and usually ranges from three months to one to three years. The interest rate for such an offer, as a rule, is higher than that of a standard offer on the same terms. In it, the bank includes the risk of colliding with an unreliable borrower.

Sometimes, when applying for a loan, the bank may require you to pay an initial fee- part of the purchase amount. Such offers may have lower percentages.

Loan processing in the store is carried out according to an accelerated scheme. All that is required from the client is a passport, sometimes a second identity document. Income statements and other documents are usually not needed - they can delay obtaining a loan, which will scare away buyers. The potential borrower is checked according to the basic indicators, if possible, a request is made to the credit bureau.

Sometimes a POS loan is issued as an interest-free loan for a period from 6 months to two to three years. In such a situation, the store pays interest, so sellers often include a possible overpayment in the cost of the goods. The rest of the conditions for such an installment plan are the same as for a regular loan.

As a rule, the provision of an installment plan for purchases is a temporary promotion that must be agreed with the bank in advance. Less often, it is permanent, but only for certain positions. The advantages of the installment plan - the absence of an initial payment and interest on the loan - made the offer popular among buyers, so promotions with it are held very often.

How to connect a credit service for your store

To start issuing loans at your points of sale, you need to conclude an agreement with a bank that offers this service. To do this, you can contact the department or leave a request on the organization's website. You can also contact an intermediary - a company that provides POS loans in conjunction with other banks using their own tools and services.

Requirements for connecting POS lending depend on the bank. As a rule, this is a certain field of activity, the size of the turnover and the life of the business. It is also advisable to have in the bank, the services of which you want to use.

After signing the contract, it will be necessary to prepare workplace for a loan officer. It must be equipped with a computer with Internet access, installed software for working with loan applications and a printer for printing documents. Advertising and information materials, if necessary, the bank will provide itself. The loan manager can be your in-house employee or a dedicated bank specialist.

If you have several retail outlets in your network, then for each of them you will need to allocate its own credit manager.

If the service is designed for an online store, then the "Buy on credit" button will need to be added to the payment form. After a little testing, the service will be available to buyers. A remote bank manager will work with clients.

During the checkout process, the client informs the seller that he wants to purchase a product or service on credit. If such an option is available for this offer, it will be directed to the point of issue of loans. Here the buyer must provide proof of identity and complete an application. It will take from 10-20 minutes to one hour to complete and review the application.

After an express check and a positive decision, the client will be provided with a loan agreement. The buyer signs it and, if required, makes a down payment. The store then passes the purchase on to him.

When the agreement is signed, the bank will transfer the loan amount to your current account - the transfer usually takes 1-3 business days. Issues related to further repayment of the loan, the bank will decide on its own. Once or twice a month, it will be necessary to transfer the signed contracts to the organization. If the goods were issued in installments, then you will also need to pay interest on the loan.

The process of applying for a POS loan via the Internet is structured in a similar way. The only difference is in the method of concluding the contract. In some cases, it is enough to confirm the application with an SMS-password or electronic signature... In others, it will be necessary to contact a bank branch or order a specialist home visit.

As an alternative to standard POS lending, banks are also actively developing so-called marketplaces - online trading platforms where offers from different stores are presented. For example, works according to this principle. Here, buyers can buy on credit or by installments any product from the stores presented on the site.

Which banks offer POS lending

Because of high risk and additional difficulties with the organization of processes, not all banks are ready to issue loans at points of sale. But several large organizations have established such a service quite well - such banks are actively lending to customers in offline and online stores. Below you will find out about the most interesting offers:

A large bank that serves private clients and businesses, and does not have its own branches. He applies the same scheme to loans in stores. The service is available in any region of Russia, the entire process of obtaining a loan and interaction with the bank is implemented through a special online service. The work of POS lending will be supervised by a personal manager.

• Credit amount: from 3,000 to 200,000 rubles
• Interest rate: from 16% per annum
• An initial fee: not required
• Requirements and documents: age from 18 to 70 years old, citizenship of the Russian Federation, presence of a passport
• Loan processing speed: from 3 minutes
• Money transfer speed: from 1 working day
• Payment by installments: Maybe

One of the leaders in the POS lending market in Russia. The POS lending service is connected in it on individual terms that depend on the parameters of the business. You can also become a partner of the Freedom installment card issued by the bank. Home Credit is notable for the fact that it does not impose insurance on its borrowers - buyers' confidence in it will be higher.

• Credit amount: from 10,000 to 999,000 rubles
• Interest rate: from 12.5% ​​per annum
• An initial fee: not required
• Requirements and documents: age from 22 to 70 years old, citizenship of the Russian Federation, the presence of a passport and SNILS, or an account on State Services
• Loan processing speed: from 10 minutes
• Money transfer speed: from 1 working day
• Payment by installments: Maybe

Large European bank, is also one of the leaders in POS lending in our country. OTP Bank is ready to actively cooperate with large and medium-sized stores throughout the country and offers a variety of customer loan programs. The service is serviced by a personal bank manager.

• Credit amount: from 2,000 to 500,000 rubles
• Interest rate: set individually
• An initial fee: from 0% to 99%
• Requirements and documents: age from 21 to 69 years old, citizenship of the Russian Federation, presence of a passport
• Loan processing speed: from 10 minutes
• Money transfer speed: from 1 working day
• Payment by installments: No

This bank was one of the first in Russia to offer lending at points of sale. Any store serviced in it can connect POS lending. Russian Standard offers various lending programs, including for online stores.

• Credit amount: from 1,000 to 300,000 rubles
• Interest rate: from 15% per annum
• An initial fee: not required
• Requirements and documents: age from 23 to 70 years old, citizenship of the Russian Federation, presence of a passport
• Loan processing speed: from 2 minutes
• Money transfer speed: from 1 working day
• Payment by installments: Maybe

A large bank within the VTB Group, it is actively developing services for individuals and small businesses. Offers several customer loan programs for different areas of activity, including online stores. Post Bank does not impose strict requirements on both the entrepreneur and his client.

• Credit amount: from 3,000 to 300,000 rubles
• Interest rate: from 12.9% per annum
• An initial fee: from 0% to 90%
• Requirements and documents: age from 18 years old, citizenship of the Russian Federation, the presence of a passport and SNILS
• Loan processing speed: from 30 minutes
• Money transfer speed: from 1 working day
• Payment by installments: Maybe

Questions and answers

Can several banks offer loans in one store at once?

Yes, you can conclude an agreement with several banks at once so that they provide their loans in the store. When making a purchase, the client can choose the services of which organization he wants to use. At the same time, try to distribute applications between banks in approximately equal proportions - if one of them does not receive many clients, he may terminate the contract with you.

What if the buyer wants to return or exchange the goods, issued on credit?

The process of registering or returning an item is the same as when using cash. In addition to filing a claim and an act on the return or exchange of goods, the buyer will need to send an application for termination or change to the bank loan agreement... If the loan is still outstanding, the borrower will still have to pay off the debt. Otherwise, the bank will return the loan amount to him minus all overpayments on it.

Can an individual entrepreneur connect lending for their goods or services?

Usually, in-store lending service is available only legal entities... But some banks (for example, Tinkoff or Post Bank) are ready to cooperate with individual entrepreneurs if they meet the requirements.

Is POS lending suitable for my store?

This option is more suitable for those who offer expensive, but at the same time popular goods and services - for example, equipment or travel packages. It will help you attract new customers and increase your sales. In other situations, POS lending is likely to be useless.

Conclusion

With the development of the credit card and microloan market, POS lending is gradually losing ground. The terms of such products sometimes turn out to be more favorable than the loan, which is issued in the store. There are many offers on the market from popular banks and IFCs that are well suited for paying for expensive purchases.

But in-store lending technology continues to evolve as well. Borrower assessment systems are being improved and make it possible to more effectively screen out unreliable borrowers, which has a positive effect on conditions. Many customers still prefer such offers to credit cards due to quick registration and easier repayment. Due to this, loans in stores continue to be in demand among both buyers and businesses.

The credit purchase service will help attract new customers, but it will require additional costs. To connect it, you need:

• Conclude an agreement with a bank that provides this service
• Prepare a place for a loan manager
• Instruct sellers or add a function to the online store
• Transfer signed loan agreements to the bank
• If goods are issued in installments - pay off interest on loans

POS lending services are available from Tinkoff, Home Credit, Russian Standard and other large banks. They are suitable for you if you sell expensive but popular goods or services - for example, household appliances.

Have you found the answers to all your questions in this article?

The POS category includes loans that are issued directly at retail outlets and are positioned as an installment plan. Most often they can be found in electronics supermarkets and construction hypermarkets. Here you can draw up a contract within an hour and with a minimum package of documents. As a rule, only a passport is required from the buyer. Financial organizations minimize their risks by using high rates- they reach 30% per annum. This means that POS loans have little in common with installments, but due to the prompt decision-making on the application, their market share is constantly growing.

Conditions for issuing POS loans

The key feature to understand what POS loans are is that they are not issued to the borrower in cash. The bank undertakes to pay the store full cost products purchased by the client. To make such a purchase, the borrower must select a product and then contact a bank specialist with an invoice issued by the seller. The manager forms an electronic application, accepts an application from the client. Then the information is sent to the bank for consideration and making a decision on granting a loan or refusing to provide a service. In practice, the procedure takes 15-20 minutes.

The conditions for borrowers are simple:

• Coming of age.
• The presence of permanent sources of income.
• Possibility to pay the initial payment.
• Payment possibility insurance policy if the loan amount is large enough.

Another feature of such a loan is high probability no return. The bank cannot thoroughly check the client's solvency, since the procedure for obtaining a loan is almost instantaneous.

Pros of POS lending

The advantages of the service include:

• The minimum package of papers for processing a loan. In most cases, one passport is sufficient.
• The product can be purchased instantly, without even having the required amount with you.
• The loan is paid in equal parts, which is convenient in the context of planning your own budget and expenses.
• The ability to buy a product at a low price if there are promotions.
• The ability to choose the most acceptable credit terms among several banks when it comes to large stores.

Among the disadvantages of POS lending are high interest rates, as well as spending that goes beyond family budget... The ability to quickly purchase goods without having the required amount provokes unplanned purchases, which for the most part are not mandatory. Short term of the loan.

Whether it is worth taking POS credits (Point Of Sale), having understood what it is, everyone decides for himself. Based on the conditions and in the presence of official employment, it is better to arrange a consumer loan with more loyal interest rates. In turn, POS lending solves the problem of urgent purchase of the desired product if the client works informally.

Despite all the known drawbacks, express loans are becoming more and more popular. Buyers are so used to the good financial market who want to get a loan right at the place of purchase. This is what POS lending is based on.

What it is?

A POS loan is nothing more than a loan to buy a product. This is a loan that is issued and issued directly in the store, bypassing a visit banking organization... POS means "point of sale" and translates as "point of sale", which accurately reflects the meaning of this type of lending.

In this case, cash will not be issued. Bank after registration required documents to obtain a loan, he transfers money to the store's account, and the buyer subsequently returns the loan provided. The bank has a cooperation agreement signed with the necessary trade points, which provides for the service of providing the borrower with a POS loan.

How does the process of obtaining this type of loan by the borrower take place? The bank places its representative in each partner store, who is directly involved in obtaining a loan. Also, the POS lending manager acts as a consultant on the service provided.

Sometimes banks use a third party, namely credit broker with whom the contract is concluded. Thus, one broker at a point of sale can represent the interests of several banks when applying for a POS loan. In our country, POS lending services are provided by a narrow range of banking institutions. Russian Standard Bank was the first to use this type of lending. Later such banks as Home Credit, Alfa-Bank, Tinkoff and others joined it.

POS loan issuance

If you decide to use the service of such lending, you will go through the registration procedure through the following steps:

• Choice of goods (it is worth noting that usually not all goods in the store can be bought on credit, so look carefully at the price tags).
• An application for a loan is made at the credit desk. To do this, you must necessarily present a passport and a second document of your choice from SNILS to a foreign passport.
• If the application is approved by the bank, the loan documentation is signed.

• The bank makes the payment for the purchase.
• You return the loan by established by the bank graphics. This can be done both directly in the store, and in the bank or payment terminals.

POS-lending "Tinkoff"

For buyers of online stores and travel agencies that accept payments through Yandex.Checkout, credit is available right in the payment process. The creditor bank is Tinkoff Bank (it also issues Yandex.Money cards). Credit limit- from three to one hundred thousand rubles.

For an online store, the conclusion additional agreement with the bank is not required, the button for payment on credit can be found next to other payment methods.

The bank considers the loan application for two minutes, after which the representative will visit the client to sign the loan agreement. The next business day after signing the contract, the purchase is considered paid. Yandex.Checkout does not charge customers a commission. The loan is repaid through the points of replenishment " Tinkoff Bank»Or on the" Yandex.Money "website.

Sometimes a bank's condition for obtaining a loan is to make a down payment (from 10 percent). Also, the amount for which the product is purchased or the number of products may be limited. On this topic, you can consult with a bank representative. The loan term can also be very different, from a couple of months to three years, as well as the interest rate.

Advantages

The advantages of POS lending are obvious both for the buyer and for the rest of the parties to the transaction:

• The buyer quickly purchases the necessary goods on credit, gradually repaying the loan taken from the bank. The process of obtaining a loan is easier and much faster than in the case of a consumer loan taken directly from a bank. The goods can be received without an initial payment and overpayments.
• The bank is expanding its customer base with the help of POS-lending. A new client can always be offered, in addition to a loan, to receive more (the so-called cross-selling), which increases the income of the banking organization.
• As for the store, it also receives a profit or a discount. With its help, the turnover and the amount of the check increase on average, since the buyer has the opportunity to buy more. The outlet does not take risks, since it receives money immediately upon selling the goods, and the bank assumes all obligations. Among other things, the store can include a slow-moving item on its credit list, which will allow it to sell out faster.

The reverse side of a POS loan

The POS lending market is becoming more and more popular. But there is also back side... Basically, the disadvantages concern the buyer:

• Interest rates are often several times higher than the usual bank interest at which they are issued due to the fact that the bank assumes all the risks of non-repayment of the loan, which is invested in calculating the credit value. The client is rated by credit rating based on the borrower's credit history. The verification procedure is automated and is also called scoring.
• Unscrupulous bank representatives may, without your knowledge, add additional expenses to the loan amount, for example, accident insurance.
• Loan limits on the amount.
• The goods purchased on credit are pledged by the bank. This is again done to reduce the risks of the bank, so that in the event of a refusal to repay, it can partially return the money by selling the goods seized from the borrower. For example, cars are taken on bail (in this case, the bank keeps the original PTS).
• There is always the possibility that you will purchase goods lying in warehouses at an overpriced price.
• The opportunity to purchase goods here and now, without having the necessary amount of money, often forces the buyer to make purchases impulsively, without thinking properly.

• Due to the fast and not very thorough verification of the buyer's payment ability, POS banks are at great risk. When applying for a consumer loan, the borrower is checked much more thoroughly, up to the provision of a certificate from the place of work. The most unpleasant situation for a bank is the risk of fraud on the part of the buyer. No one can guarantee the bank that the loan application does not contain information about the stolen passport. In this case, we can even talk about collusion with the participation of store employees.

POS loan on the Internet

Online sales are also gaining in popularity, becoming more sophisticated and developed. Now there are many ways to pay for purchases online. Previously, this was only possible by cash on delivery. Online stores today can offer to purchase goods and on credit.

Buy a product in an online store using credit loan simply. It is enough to click on the item "buy on credit" when placing an order. Next, an application for a loan is drawn up, a few minutes after sending a response from the bank comes. If the loan is approved, you get required goods and return the loan directly to the bank. Upon delivery, a loan agreement is signed.

So who needs a POS loan?

• If you lack a small amount to buy a certain product, then a loan is your option, since you can make a large amount as a down payment, and return the rest to the bank in small amounts.
• If the appliances in the house suddenly went out of order, and it is not possible to live without your favorite coffee maker or toaster.
• Saving up for a new thing is long and inconvenient. And buy on credit for small amount much faster.

POS lending banks rating

Below are the banks that hold the leading positions in terms of the volume of the POS lending portfolio:

• "HCF-Bank".
• "Alfa Bank".
• Rusfinancebank.
• "Credit Europe Bank".
• "Renaissance Credit".
• "Trust".
• Rosbank.
• MTS Bank.
• "Opening".
• "Oriental".

Often in publications and information reviews consumer loan is replaced by the synonym "POS-loan". Data banking terms are used to describe programs that involve the issuance of a certain amount of funds to the borrower. The client has the right to spend them for personal purposes. At the same time, in 80% of cases, it is not supposed to issue a pledge or another type of guarantee obligations - sureties.

So are these concepts fully identical? Are there any differences? What sources correctly interpret the concept of "consumer loan" and "POS-credit"?

About consumer lending

First, you need to decide on such a term as "consumer credit". The main source describing the characteristics and properties of this banking product, is an the federal law, whose number is 353 dated 12.21.2013. It offers the following definition:
« Consumer loan(loan) is cash provided by the lender to the borrower on the basis of a loan agreement for purposes not related to the implementation of entrepreneurial activities. "
Recommended reading material about interest rates on consumer loans.

In other words, money is provided to meet personal, consumer, and civic needs. Consequently, any interaction between the borrower and the bank in terms of issuance and repayment of funds can be called. This concept can include such programs as:

Express loans provided by microfinance institutions upon presentation of passport only. Banks can offer a similar loan - a loan for urgent needs. It is issued quickly, but in the presence of a whole set of documents, including certificates of income.

Lombard loan, when funds are provided upon availability of collateral.

Credit cards or revolving loans, where access to money is limited only by a limit.

Loans for the purchase of real estate, vehicles when the purposes of lending are clearly defined, and the object acquired through a loan is often recognized as a pledge.

Commodity loans, which do not imply the issuance of funds to the client. They are issued directly at trade and service points. The borrower chooses a product, concludes an agreement with a bank representative. The bank transfers funds to the store's account, and the client begins to gradually fulfill his obligations to the creditor, already using the selected product. Instead of a thing, electronics or technology, the subject of the contract may be the services of clinics, travel companies or wedding agencies.

The last type of cooperation between the bank and the client is called.

POS loan: decoding of the concept

POS stands for Point of Sale. The literal translation means "point of sale" or "point of sale". As noted above, the borrower does not even have to visit the bank's office - all operations for obtaining a loan, obtaining it and signing an agreement are carried out right in the store. The time that a client spends on the purchase of expensive equipment or jewelry does not exceed half an hour. No need to collect documents, no need to wait an hour or even a day for approval. Everything happens according to the "here and now" scheme. Often, car dealerships work according to this principle: now it will not be difficult to buy a car. It is enough for the client to bring a passport and driving license, and sign the documents directly at the point of sale, leaving there in an hour in a new car.

A quick or scoring verification of the identity of the borrower when applying for a POS loan increases the bank's risks. This, in turn, affects the rate and toughens the requirements for a potential client (banks may refuse to issue a loan due to the lack of a permanent residence permit in the region where the loan is issued).

Comparison table

Thus, the concept of "POS loan" is narrower than a consumer loan. It is provided for personal needs, but they are usually reflected in the information about the product or service. That is, the bank is notified for what purposes the client has spent the borrowed funds.

When a loan is given in cash, a citizen can spend it on repairs, and on the purchase of equipment, and even on organizing weddings. The lender is often not notified about the purpose of lending. He has to check more carefully credit history the client and his solvency. This procedure takes a lot of time, but it reduces the risks of the bank, due to which it decreases and.

Based on the above, it is worth concluding: it is not worth replacing the concept of "consumer loan" with the term "POS-loan", because it is not considered its synonym, but is one of its subspecies.

We have known for a long time the possibilities of quick lending to the population for consumer needs... Usually, the process of drawing up a loan agreement takes place directly at the point of sale, but despite this, the tricky phrase POS-lending surprises many of us.

But POS is an abbreviation of the English word Point Of Sale, that is, “point of sale”.

It turns out that we have been using it for a long time, but we know relatively little about it. Therefore, in this article we will try to get as much information as possible about this type of loan.

POS lending and consumer loans for individuals

As we already know, a contract for the provision of this service can be concluded directly at the point of sale or in a service organization. It belongs to the field of targeted lending, since the client can receive the amount necessary for him only for the assortment of goods that is presented in the store.

Representatives of financial institution, which offers lending services. They are located directly in the store, and at any time they will be able to inform us about all the conditions for providing a loan. In large stores or supermarkets, there are often several specialists from different banks or financial institutions- this gives us the opportunity to study all the proposals, and choose the best one among them.

Required documents and POS lending process

It is quite easy to conclude an agreement with a lender. For this we need:

• documents confirming our identity, namely a passport or military ID;
• the second document is a student ID, pension or driver's license;
• as well as the amount of money, which will be enough to pay off from 15 to 20% total cost purchased goods.

Then a POS lending agreement is drawn up. It contains all the data of the recipient of the loan, that is, all the information provided by us, an official seal is put on the contract, and at the end it is certified with signatures. It is important to remember that the contract is prepared for signing in duplicate, and before signing it, you should carefully read the contents. If we have any questions, then they need to be asked to the representative of the bank and receive clarifications from him.

Now you can go to the cash desk, since all the documents necessary for obtaining a cash loan are already in our hands. After all the information about us has been verified, the bank transfers the required amount to the seller, who is obliged to provide the goods we have chosen. With this method of lending, get cash amount we will not be able to get our hands on it, since the whole process of transferring money takes place by bank transfer.

POS lending: advantages

It is very convenient to use this method of lending, since the choice of goods and the conclusion of the contract take place in one place - directly in the store. The process itself lasts no more than an hour, while we do not need to personally visit a bank branch.

Another advantage of POS lending is the absence of the need to provide a lot of certificates and documents. Loan specialist a passport with a stamp confirming the client's registration in the region where the loan will be issued is sufficient. At the same time, it is not necessary that the registration be permanent, usually loans are issued even to those who have it temporary.

POS lending: disadvantages

Its main disadvantages include high lending rates... They make up from 30 to 70%. Thus, we buy goods at an inflated price, and overpay a fairly large amount of money.

If we have the opportunity to provide a specialist with a 2-NDFL certificate, then it is best to use a simple consumer loan.

Video: POS lending. Financial literacy.

Get a loan at a point of sale or what is POS lending? When and why should they use it? What are the differences of this type of lending, its pros and cons.