Wildberries continues to blur the lines of the marketplace: now on the platform you can not only choose a car, but also immediately apply for a car loan for it — without visiting a bank or dealership.
The scenario is as simple as possible: the user goes to the "Cars" section, opens a card marked "car loan" and submits an application. Partner banks review it in a few minutes, after which it remains to choose the terms and sign the contract with an electronic signature.
The entire process takes place online — from choosing a car to getting a loan. To register, you only need to upload a photo of your passport and go through a quick identification.
The first transaction was for a Baic U5 Plus car at a preferential rate of 0.01% per annum under a special Baic manufacturer's credit program. The entire process of applying for a loan and buying a car on the Wildberries platform took the client an hour, and the documents were signed remotely. Thanks to digitalization and integration into the Wildberries platform, our service increases the availability of vehicles: on average, seven out of ten new cars in Russia are purchased on credit.
Both standard car loans and offers with reduced rates from automakers are available on the platform. At the same time, according to the company, the final cost of the car and the terms of the loan are immediately transparent — without hidden services and additional payments.
The service is currently in test mode and is only available in the web version. In the near future, it is planned to expand it — add new banks and automakers, as well as integrate it into the mobile application.
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