Cash Loan

  • Easy to issue
  • Easy to control from your smartphone
  • Promptly to get money to the desired card

Terms

Maximum loan amount UAH 300,000 (calculated for each customer individually)
Interest rate 1.5% per month
The term of the agreement 10, 20 and 36 months
Real annual interest rate 37%
Minimum amount of the first installment UAH 0

Issue a loan in the way which suits you best. Even right now!

Issue a loan in the way which suits you best. Even right now!

Choose a channel convenient for you:

How to repay the loan?

How to repay the loan?

For your convenience we will automatically set you up an auto payment to repay the loan.

Or you can repay the loan in the way which suits you best:

  • in Privat24 (menu “Wallet” → “Loans”;
  • in the SST or at a PrivatBank branch.

For this purpose, you need to make one mandatory payment within the period specified in the agreement to your account IBAN. You can find your account IBAN number in the receipt under the agreement or in Privat24.

Pay online now

Haven’t got a card for “Cash Loan” enrollments yet?

Haven’t got a card for “Cash Loan” enrollments yet?

Funds can be enrolled to Card for Payments and to virtual (Digital) card.

A Digital card is a payment card that does not have its physical form but has all the features of plastic cards.

What transactions can be made with a Digital card:

  • Cash withdrawal (by QR code at an ATM and at a cash desk of the Bank);
  • card replenishment in self-service terminals;
  • payments in stores (Google Pay or Apple Pay);
  • transactions in Privat24 and payments online.

Calculator

Amount of loan, in UAH

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Term of the loan, in months

Monthly payment, in UAH

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Amount of the loan

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Amount of interest, per month

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Total expenses under the loan

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Total cost of the loan, in UAH

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Basic interest rate for the initial loan amount, % per month

1.5

Real annual interest rate, %

37

Calculation of interest is for the reference only

Warning

What are the possible consequences for a customer in the case of using a banking service or failing to fulfill obligations under the agreement on the provision of this banking service?

An auto payment (loan body and interest) which has not been debited within the period specified in the agreement, due to the lack of funds in a separate account at the time when the Bank debited an auto payment, shall be deemed as an overdue starting upon the following day.

In the case of occurrence of an overdue debt under the loan, shall be charged the penalty in the amount of 15% of annual from the amount of the overdue debt (but not higher than the double discount rate set by the NBU). The penalty is charged for each day of delay.

The penalty is charged in the case of an overdue or delayed payment within the validity term of the agreement. If the overdue debt is not repaid after the expiration date, the penalty is not charged.

If the latest payment is lacking behind the schedule specified under the agreement, then the liability is applied pursuant to the art. 625 of the Civil Code of Ukraine. The amount of liability is 60% of annual from the amount of the overdue debt of the body and of the overdue interest under the loan.

Can the Bank require a customer to purchase products which are not included into the banking services package?

The Bank is prohibited from requiring a customer to purchase any goods or services either from the Bank or congenerous or related parties of the Bank, as a mandatory prerequisite for the provision of these services (excluding the services provided within the banking services package).

How to refuse from receiving promotional materials through the remote communication channels?

A customer can refuse from receiving promotional materials by calling 3700 or in “Help Online” chat.

Does a customer have the right to withdraw from the agreement?

If the loan is repaid early within the period up to 14 days, the interest for the actual number of days of using the loan for the current month in which the loan is being repaid shall as well be included. No grace period under such circumstances.

What are the terms for early termination of the agreement?

In the case of an early repayment, the debt is repaid automatically if the account (IBAN) (loan repayment source) contains a sufficient amount of funds for the full early repayment of the loan agreement.

You can also do this in one of the following ways:

  • in Privat24 in the menu “Loans” → “Cash Loan” → “Early Repayment”;
  • or call 3700.

In the case of an early repayment of debt, interest for the period of credit holiday (if the loan agreement envisages credit holiday from March 01, 2022 to May 31, 2022), and the interest for the actual number of days of using the loan for the current month in which the loan is being repaid, shall be as well included.

Crucial! If the loan is repaid early within the period of up to 14 days, the interest rate shall as well be deducted from the total amount of the loan for the month in which the repayment is made. No grace period under such circumstances.

Does the Bank have the right to make amendments to the loan agreement?

The Bank does not have the right to unilaterally make any amendments to the agreements concluded with customers, unless is otherwise stipulated by the agreement or by law.

FAQs

What is a “Cash Loan”?

This is a loan designated for any needs, it can be issued within 5 minutes and a customer can receive from UAH 15,000 to 300,000 for further use and for the period of 10, 20 or 36-months.

What are the financial terms for the loan?

Maximum amount of the loan is UAH 300,000 (calculated for each customer individually).

The interest rate under the loan is 1.5% per month.

The term of the loan agreement is 10, 20 or 36 months.

Real annual interest rate is 37%.

Minimum amount of the first installment is UAH 0.

What is the term of the loan agreement?

10, 20 or 36 months.

For what loan amount the loan agreement can be concluded?

From UAH 15,000 to 300,000. The information on your limit can be found in Privat24.

To which cards “Cash Loan” can be enrolled?

A card for the enrollment of funds can be either card for Payments / Gold Card for Payments or Digital card.

How to repay the loan?

For your convenience we will automatically set you up an auto payment to repay the loan.

Or you can repay the loan in the way which suits you best:

  • in Privat24 (menu “Wallet” → “Loan”);
  • in self-service terminals;
  • at the PrivatBank branches.

For this purpose, you need to make one mandatory payment within the period specified in the agreement to your account IBAN. You can find your account IBAN number in the receipt under the agreement or in Privat24.

How is the monthly payment calculated?

The monthly payment = loan amount/lending period + 1.5% from the loan amount.

What is the commission fee for enrollment/withdrawal of funds?

The loan amount is enrolled to the Payment Card for payments in full (the commission fee during the enrollment is 0%).

The commission fee for the withdrawal of funds from the Card for Payments is 0%.

Is it possible to repay the debt early?

In the case of an early repayment, the debt is repaid automatically if the account (IBAN) (loan repayment source) contains a sufficient amount of funds for the full early repayment of the loan agreement.

You can also do this in one of the following ways:

  • in Privat24 in the menu “Loans” → “Cash Loans” → “Early Repayment”;
  • or call 3700.

How is the amount for early repayment calculated?

The repayment of debt on the body of the loan + the accrued interest for the period of credit holiday (if the loan agreement envisages credit holiday from March 01, 2022 to May 31, 2022) + the interest for the actual number of days of using the loan within the current month in which the loan is being repaid.

Where can I find information about the amount for early repayment?

In Privat24 (menu “Loans” → “Cash Loan” → “Early Repayment”).

How is an auto payment debited?

An auto payment is debited on a monthly basis, on the specified date, from the designated card. However, the following should be considered:

1.Prior to each debiting of an auto payment, the balance of your loan repayment account (IBAN) is checked; and if the account contains funds, they will be debited first.

2.If for making an auto payment, “Universalna” card was designated as (main/optional), the debiting will be made only at the expense of own funds and within the amount which is available.

Please, note! If “Universalna” Card does not contain customer’s own funds, the auto payment is not debited.

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

If a customer fails to comply with the loan repayment terms, the bank has the right to set off the entire amount of the debt on the 180th day of the overdue debt under the terms (set out in clause 4.9 of the loan agreement).