No, a Russian told me that.
https://www.banki.ru/products/autocredits/
Автокредиты в 2025 году в банках: как выбрать и от чего зависит процентная ставка
Loans industry collapsing
Its moot. Car loan rates are 30%+. Russians can't afford to buy cars, but when they can, they are preferring the inflated price Chinese cars.
Current Ladas are based in modern Renaults, so quite decent, but they lack ABS modules, airbags and emissions controls.
VWs built in the last few years are pretty terrible/
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