Cash loan

Apply for the “Cash Loan” online service for an amount up to UAH 300,000 and receive the funds on your card within minutes.

The service works online 24/7.
You can repay it early without any commission fee.
Money is credited within 5 minutes.
Automatic payment from a card is configured.
Obtain funds now
Obtain funds now

Differences from other loan products of the Bank

‘Cash Loan’ is a service allowing you to obtain funds online for any purpose.
Money is credited to your card, and it can be withdrawn without interest at any time.
You can apply for the loan with a predetermined term: 10, 20 or 36 months.

Withdrawal of money without commission fee

Withdrawal of money without commission fee

Funds are credited to a Payment Card, granting commission-free cash withdrawals.

Loan for any purpose

Loan for any purpose

Take money for any purchases, repairs, tuition fees, travel, treatment, etc. and pay for services in cash

Favorable interest rate

Favorable interest rate

The average daily interest rate* is 0.05% (31% per annum on outstanding balance).

Without income certificates and guarantors

Without income certificates and guarantors

The process of applying for and receiving a loan takes about 5 minutes.

 

* The daily interest rate as a percentage is calculated by the following formula:
DIR = (TLE/TLA)/t * 100%
where:
DIR is the daily interest rate;
TLE is the total loan expenses;
TLA is the total loan amount;
t is the loan term in days.

Calculator

Loan amount, UAH

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Loan term, months

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The average daily interest rate is 0.05% (31% per annum on outstanding balance)

Real annual interest rate, %

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Obtain funds now

Interest calculation is for reference only.

Terms

Maximum loan amount UAH 300,000 (calculated individually for each customer)
Interest rate Interest rate the average daily interest rate* is 0.05% (31% per annum on outstanding balance)
Contract term 10, 20 and 36 months
Real annual interest rate Real annual interest rate up to 36.5% per annum (depending on the term of lending)
Minimum amount of a first installment UAH 0

Notice

What are the possible consequences for a customer in the case of using a banking service or failing to fulfill his/her obligations under a contract for provision of this banking service?

An automatic payment (principal and interest) that was not deducted on the due date specified in a contract due to insufficient funds in a separate account at the time of the Bank’s automatic payment initiation is considered overdue starting from the following day.

In the event of an overdue loan debt, a penalty is calculated at the rate of 15% per annum on the overdue amount (but not exceeding twice the NBU accounting rate). The penalty is charged for each day of delay.

The penalty is charged in case of late payment during the term of a contract. After the term of the contract expires, in case of non-repayment, the penalty is not charged.

In case of delay of the last payment according to the schedule under a contract, liability is applied according to Art. 625 of the CCU. The amount of liability is 60% annually on the overdue principal and overdue interest on the loan.

Can the bank require customers to purchase products not included in the package of banking services?

The Bank is prohibited to require customers to purchase any goods or services from the bank or any related or affiliated entity as a mandatory condition for the provision of these services (except for providing a package of banking services).

How to opt out of receiving promotional materials through remote communication channels?

You can opt out of receiving promotional materials by calling 3700 or via the “Help Online” chat.

Does a customer have the right to withdraw the contract?

If the loan is repaid early within the period not exceeding 14 days, the interest will also be accrued for the actual number of days of loan use for the current month in which the loan is being repaid. There is no grace period.

What are the conditions for early contract termination?

Early repayment occurs automatically if the IBAN account (loan repayment source) has sufficient funds for full early repayment of a contract.

You can also do this:

  • by means of Privat24 in the “Loans”→ “Cash loan” → “Early repayment” menu;
  • by calling 3700.

In the case of early repayment, the interest for the grace period will be accrued (if a contract provides for the grace period from March 1, 2022 to May 31, 2022) and interest for the actual number of days the loan is used in the current month in which the loan is repaid.

Crucial! In case of early loan repayment within a period of up to 14 days, the interest rate will also be calculated based on the total loan amount for the month in which the repayment is made. There is no grace period.

Does the bank have the right to amend a contract?

The bank has no right to unilaterally amend contracts concluded with customers, unless otherwise stipulated by a contract or law.

Can a customer, upon a contract termination, obtain a certificate confirming that the parties have fulfilled their obligations set out in the contract?

Yes. A customer has the right, upon the termination of the contract on the provision of a banking service, in particular if a termination has occurred in connection to the expiration, termination or fulfillment of the obligations under such a contract in full, a customer can request a certificate confirming that the parties have fulfilled their obligations set out in the contract, including the information (a certificate) on the absence of debt and on the customer’s fulfillment of the obligations under the contract in full. The bank shall provide such a certificate in paper or in a form of an electronic document (at the customer’s choice) within five business days from the day the bank receives the corresponding request.

A customer can himself order the electronic document (the certificate) in Privat24, menu: “Services – Certificates - Standard certificates” (the needed certificate should be selected from the list) – “Certificate on account/card closure”/ “Certificate on loans”/ “Certificate on the presence/absence of debt in the bank”.

A customer can visit a bank branch, to receive the certificate on paper medium pursuant to the bank current rates.

How to repay the loan?

How to repay the loan?

For your convenience, we will automatically set up an automatic payment for your loan repayment.

Or repay the loan in a convenient way:

To do this, make a mandatory payment to your IBAN account in the period specified in your contract.

The IBAN account number can be viewed in your credit agreement or Privat24 (“Services - Loans - Cash loan” menu).

Card for loan disbursement

Card for loan disbursement

ЗCrediting is possible to a Payment card і and a virtual card (Digital).

A digital card has the same functions as a regular plastic card.

You probably already know, but we will remind you that when using the Digital card, you can:

  • withdraw cash (using a QR code at an ATM and a bank cash desk);
  • deposit money to your card at a self-service terminal;
  • pay in stores (Google Pay or Apple Pay);
  • carry out operations in Privat24 and make payments online.

Documents

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Loan passport

Download

Essential characteristics of a product

Download

Contract

Download

Details for the contract repayment

Download
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Frequently asked questions

What is "Cash loan"?

A loan for any purpose that can be processed within 5 minutes and obtained in amounts ranging from UAH 15,000 to 300,000 for subsequent use, with repayment terms of 10, 20, or 36 months.

Available 24/7.

What are the financial terms of the loan?

The maximum loan amount is UAH 300,000 (calculated individually for each customer).

Interest rate - 31% per annum.

The contract term is 10, 20 or 36 months.

Actual interest rate up to 37% (is calculated individually, depending on the principal and contract term).

The minimum amount of the first installment is UAH 0.

What is the term of a contract?

10, 20 or 36 months

What is the maximum loan amount for a contract?

From UAH 15,000 to 300,000. You can check your limit using Privat24.

Which cards can be credited with “Cash Loan"?

Cards for loan disbursement:

Payment card/Gold payment card, Digital card.

How to repay the loan?

For your convenience, we will set up an automatic payment for loan repayment. Or repay the loan according to your preferred method:

To do this, make a mandatory payment to your IBAN account within the period specified in your contract. You can find your IBAN account number on the contract receipt or by accessing it through Privat24. You can make loan payments both in Ukraine and abroad.

How is the monthly payment calculated?

Monthly payment amount is calculated for each customer individually, depending on the loan term and principal. The loan is repaid by annuity payments in accordance with the “Payment Schedule” (and is a part of a contract and a consumer loan passport).

What is the commission fee for crediting/withdrawing funds?

The loan amount is credited to a Payment Card in full (commission fee during the transfer - 0%).

The commission fee for withdrawing funds from a Payment Card is 0%.

Is early repayment possible?

Early repayment occurs automatically if there are enough funds in the IBAN account (loan repayment source) for full early repayment of a contract.

You can also do this:

  • by means of Privat24 in the “Loans” → “Cash loan” → “Early repayment” menu;
  • by calling 3700.

What changes if the amount paid exceeds the monthly payment?

In the case of an early partial repayment, the debt on the principal is decreased, therefore, less interest is accrued.

The following monthly payment amount remains the same, but the number of payments is reduced until the debt is repaid in full.

How is the amount for early repayment calculated?

Repayment of an outstanding balance of the loan principal + accrued interest for the period of credit holidays (if a contract included credit holidays from March 1, 2022, to May 31, 2022) + interest for the actual number of days of using the loan in the current month when the loan is repaid.

Where can I find information about the early repayment amount?

In Privat24 (“Loans” → “Cash loan” → “Early repayment” menu).

How is the automatic payment deducted?

The automatic payment is deducted from a specified card on a set date every month. At the same time, the following features should be taken into account:

  1. Before each automatic payment deduction, your loan repayment account balance (IBAN) is checked – if there are funds in this account, they are deducted first.
  2. If a ‘Universal’ card is designated for making automatic payments (primary/alternative), deductions are made solely from available funds within the account.

Please note! If there are no available funds on a ‘Universal’ card, an automatic payment deduction is not performed.

What are the consequences for a customer in case of non-compliance with the loan repayment terms?

In case a customer does not comply with the loan repayment terms, the Bank has the right, on the 180th day of delinquency, to demand the full outstanding amount to be repaid in accordance with the contract terms (section 4.9 of the loan contract).

Voluntary health insurance in the event of an illness and accidents

We recommend using the product “Voluntary health insurance in the event insurance product provides for a payout of funds sufficient to repay the loan in full, in the case of a life loss for whatever reason, including due to COVID and hostilities. The insurance is not obligatory he/she wishes, may request it within 14 days from the date of executing the “Cash Loan” contract and issue it with an employee at a bank branch.

The information about an insurer, informational document about a standard insurance product and the public part of an insurance contract can be found on the websites of insurance companies:

* A recommended insurance product orany other voluntary insurance, taken by the borrower, is not included in the loan cost.