Car loan from PrivatBank for individuals
- Advance payment - from 20% of the cost of the car.
- The maximum term for which the loan is issued is up to 5 years (60 months).
- The interest rate is fixed for the entire period in hryvnia.
- Interest is charged on the outstanding balance.
- Annuity form of repayment - monthly repayment of the loan occurs in equal parts.
- The loan amount is from UAH 100,000 to UAH 5,000,000.
- Early repayment of the loan agreement - without penalties.
- Payments are made through PrivatBank channels: Privat24, self-service terminals, cash desks in branch
Additional costs
Notary services - according to the tariffs of notaries in your region (approximate cost 3,500 UAH).
CASCO insurance is carried out in insurance companies accredited by the bank, the list of which is posted on the bank's website. Payment for the first year of insurance can be included in the body of the loan, subject to an advance payment of at least 30%.
Expenses for car registration, pension contributions, civil liability insurance for owners of land vehicles - in accordance with the current legislation of Ukraine.
The annual insurance payment is paid by the client independently to the Bank's transit account, with subsequent transfer of funds by the Bank to the Insurance Company's account.
Requirements for the client and a list of necessary documents
A natural person or a natural person-entrepreneur is a resident aged 21 to 67 (at the time of the end of the credit agreement).
For individuals - Certificate of salary calculation for the last six months, a certified statement from a salary account in another bank or a statement from the PFU (OK-7).
For individuals who receive a pension - Certificate of accrual of pension for the last 6 months. Borrowers who receive a salary or pension on a PrivatBank card do not need a certificate or statement.
For Individuals - entrepreneurs who have turnover on the current account of PrivatBank - Tax declaration of the payer of the single tax for the last reporting year.
For Individuals - entrepreneurs in the IT sector, who have turnover on a current account in other banks - Tax declaration of the payer of the single tax of the individual - entrepreneur for the last reporting year and a certified statement of the FOP account for 6 months.
For Individuals - entrepreneurs who have turnover on a current account in other banks - Tax declaration of the payer of the single tax of an individual - entrepreneur for the last reporting year and a certified statement of the FOP account for 6 months. Advance payment - from 40% of the cost of the car.
NBU license No. 22 dated October 5, 2011. Record No. 92 of March 19, 1992. in the State Register of Banks. The lending service is provided by PrivatBank throughout the territory of Ukraine, with the exception of the territories of active hostilities, the Autonomous Republic of Crimea and settlements that are temporarily occupied and the territories of which are not under the control of the state authorities of Ukraine.
The real annual interest rate, taking into account payments for accompanying services (notary, car registration, payment of pension tax, car insurance) is 35.3% per annum, provided the loan amount is UAH 5,000,000, the first installment is 20%, and the term is 5 years.
The real annual interest rate depends on the credit terms chosen by the consumer. Credit conditions are effective from November 24, 2023. The Bank reserves the right to change the terms of lending. Find out about the detailed conditions of lending on the website pb.ua/avtocredit. * A preliminary decision on lending is made in 2 minutes.
Car loan from OTPBANK for individuals
Terms for cars in stock:
• Amount up to 1,000,000 UAH
• Possible without a down payment
• Term up to 84 months
• Borrower's age 21-69 years
• Rate 25.99% on the balance
• Overpayment 1.5% per month
Terms for cars on the road:
• Grace period - 2 months, during which:
• You do not pay interest for using the loan
• You have the opportunity to repay the loan early
• The only thing you pay for is a loan issuance fee of 2.99%
• Overpayment for 6 months: 7.2%
Key points:
1. Approval of the loan in hryvnia within a day
2. No CASCO
3. Registration of the car immediately for the client
4. Ability to close the loan at any time