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
Loan Passport
Essential features of the product
Loan agreement

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:

Issue in Privat24

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

UAH
{{ minAmountCreditSumOnSlider | numberFormat(0, '', ' ')}} {{ maxAmountCreditSumOnSlider | numberFormat(0, '', ' ')}}

Term of the loan, in months

Monthly payment, in UAH

{{ monthlyPayment | numberFormat(2, ',', ' ') }}

Amount of the loan

{{ amountCredit | numberFormat(2, ',', ' ') }}

Amount of interest, per month

{{ sumPercent | numberFormat(2, ',', ' ') }}

Total expenses under the loan

{{ totalSumPercent | numberFormat(2, ',', ' ') }}

Total cost of the loan, in UAH

{{ totalCostLoan | numberFormat(2, ',', ' ') }}

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

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

A penalty is charged in case of late payment during the term of a contract. After expiration of a contract’s term, in case of non-payment, interest 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.

Is the Bank allowed to demand customers to buy products not included in the banking services package?

The Bank is prohibited from demanding 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 banking services package).

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

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

Does a customer have the right to refuse a contract?

In the case of early loan repayment within 14 days, interest will also be taken into account for the actual number of days of loan use for the current month when the loan is being repaid. There is no grace period.

What are the conditions for early termination of a contract?

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.

In the case of early repayment, interest for the period of a credit holidays (if a contract included a credit holidays 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 when the loan is repaid will be taken into account.

Please note! 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 make changes to contracts concluded with customers, unless otherwise established by a contract or law.

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).

The loan commission fee is 1.5% per month.

The contract term is 10, 20 or 36 months.

The real annual interest rate is 37%.

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 = loan amount / credit period + 1.5% of the loan amount.

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.

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).