Russians began using refinancing more often to reduce their debt burden. Most often, they refinance a single loan, but VTB allows you to consolidate up to six loans - from consumer and car loans to credit card debt. The main requirement is that there should be no late payments. Usually the period is left unchanged, but the main goal is to reduce the monthly payment. In the first nine months of 2026, VTB issued more than 20 billion rubles for refinancing, and demand increased significantly in the third quarter.