Used car loan

Preliminary decision-making on lending takes 2 minutes.
Convenient service management via Privat24.
Minimum documents and safe purchase of used cars.
No hidden fees

Car loan rates

under 4 years old
over 4 years old
Advance payment 12 months 24 months 36 months 48 months 60 months
30% 13.5% 17% 17.5% 17.5% 18%
40% 11.5% 15% 16% 16.5% 17.5%
50% 10.5% 13% 14.5% 15.5% 16%
60% 8.5% 11.5% 13.5% 14% 15.5%
70% 6.5% 9% 12% 12.5% 13.5%
Fee 2% 1%
Advance payment 12 months 24 months 36 months 48 months 60 months
30% 16.5% 20% 20.5% 21% 21.5%
40% 16% 19% 20% 20.5% 21%
50% 15% 18% 19% 19.5% 20%
60% 13.5% 17% 17.5% 18.5% 19%
70% 11% 14.5% 15.5% 16% 17%
Fee 2.5% 1.5%

Terms and conditions for used car loan

Advance payment from 30% of the car value
Loan period from 1 to 5 years
Interest rate from 6.5 to 21.5% per annum
Loan amount from 100 000 to 1 500 000 UAH
One-off loan issuance fee from 1 to 2.5% of the loan amount
Loan repayment scheme annuity
Collateral type car on loan
CASCO insurance in insurance companies accredited by the Bank (annually) from 6.2 to 6.41% of the collateral value depending on the age of the car

Car requirements

Car type

Passenger cars, in particular electric cars.

Cars with no more than 9 seats with a driver's seat.

Car age*

12 years at the time of loan repayment of the countries of Europe, the USA, Japan, South Korea.

* Car age is calculated as follows: the current year - the manufacture year specified in the technical passport for the car.

Car mileage at the time of registration

No more than 30,000 km. per year (calculated as: odometer reading/ car age).

The total mileage at the time of signing the agreement is no more than 200,000 km.

Are you interested in purchasing a new car?

To learn more about the terms and conditions for a new car loan click here:

Go to terms and conditions

Documents and contractual base

Documents and contractual base

Information on service essential characteristics

Loan agreement

Collateral agreement

Payment schedule

Product use warning

List and cost of third party services


Car loan
Car in installments

Can another person repay my debt?

Yes. Any person can repay the loan debt using the details specified in the loan agreement.

What happens if I fail to repay my car loan on time?

The Bank has the right to apply penalties stipulated by the terms and conditions of the agreement.

What is the commission fee for early loan repayment?

The Bank does not charge a fee for early repayment of the loan.

Is it possible to repay the loan in amounts exceeding the established monthly payment?

Yes. The amount exceeding the monthly payment will be used to repay the body of the loan.

Can I drive a car outside Ukraine if the loan has not been repaid yet?

Yes. After the loan is issued, the car is the property of the client.

Can the Bank increase the interest rate on the loan?

No. Unilateral rate increase is prohibited. The interest rate on the loan is fixed for the entire repayment period.

What happens if it is too late to make or not to make the annual Casco payment?

The interest rate for using the loan is set at 42% on the terms and in the manner prescribed by the loan agreement.

What documents are required to apply for a car loan?

To apply for a car loan, you must provide your mobile phone number. The package of necessary documents will be determined when making a decision on a loan, depending on whether the client is served by our Bank.

What documents do I need to repay a loan?

To fully repay the loan, you must have any identity document (passport, registration certificate, etc.) with you. If you are a client of the Bank, any card opened in our Bank can serve as an identity card.