Loans
You can take a loan that fully meets your needs—quickly, conveniently, and transparently. Explore the available lending options for individuals right now!
Cash loans
Applying for a loan is as easy as repaying it—and you can do it all without leaving your home. Take advantage of the opportunity to get a loan from the bank through the MyRaif app.
Credit cards
Raiffeisen Bank credit cards are designed for obtaining credit and convenient repayment. They are perfect for your daily transactions.
My credit history
Check your credit history through the First All-Ukrainian Credit Bureau. With Raif, a loan from the bank means transparency, control, and confidence in every decision.
Loan repayment
Thanks to our services, you can quickly, securely, and free of charge repay all types of loans using a payment card from any bank.
Loan holidays for cash loans
During martial law, we care even more about our clients. If you are facing financial difficulties, take advantage of the opportunity to apply for loan
Credit card holidays
We support our clients in difficult times. During martial law, you can apply for credit card holidays.
Mortgage loan restructuring
In case of financial difficulties related to martial law, you can take advantage of mortgage loan restructuring programs at Raiffeisen Bank
How to get a loan at Raif?
Advantages of our loans
Loan terms for individuals
Important: All terms and rates are provided for informational purposes only. For detailed information, please visit the page for the specific credit product, where you can also calculate the loan amount using the loan calculator.
Cash loan terms
| Income | Loan amount | Term | Interest rate | The Bank's Ancillary Services | Ancillary services provided by third parties |
| Up to UAH 100,000 | 5 000 - 500 000 UAH | From 13 to 72 months | From 32.90% to 42.90% per annum | Opening and servicing Account "For payments" | An insurance premium ranging from 0.00% to 1.56% is included in the loan amount as a one-time charge. |
| From 100 тис. грн | 10 000 - 750 000 UAH | From 13 to 72 months | 32,90% per annum | Opening and servicing Account "For payments" | A one-time insurance payment ranging from 0.00% to 0.72% is included in the loan amount. |
| For Pensioners | 2 000 - 100 000 UAH | From 36 to 72 months | 42,90% per annum | Opening and servicing Account "For payments" | The insurance premium, ranging from 0.00% to 14.76%, is included in the loan amount as a one-time payment. |
Credit card terms and conditions
| Card | Credit limit | Grace period | Non-preferential rate | Min. payment | Commissions | Loan term | Support services |
100-Day Card 2.0 | 5,000 – 300,000 UAH (up to 50,000 UAH for clients aged 65 and older) | up to 100 days | 4% per month (3% per month for clients aged 65 and older) | 4% of the remaining balance | 4% for withdrawal | up to 300 months | Insurance fee of 1% of the utilized limit amount at the end of the month (for clients aged 65 and older) |
Who can get a loan?
Criterion | Cash loan | Cash loan (for pensioners). Credit card | |
👤Age | 18–62 years | 35–73 years | 18–71 years |
💼Work experience | More than 1 monts in the current position | – | – |
🪪Citizenship | Ukraine | Ukraine | Ukraine |
🏠Place of residence / registration | Permanent residence in Ukraine | Permanent residence in Ukraine | Permanent residence in Ukraine |
| Steady monthly income | Pension (mothly income) | – |
🌍Stay | – | Within the territory controlled by the Ukrainian authorities | – |
Read more about loans
What is a loan?
A loan is a financial service where a bank or other institution lends you money for a specified period of time. You pay back the amount with interest accrued for the use of the funds. When reviewing your application, the bank assesses your ability to repay, including your credit history.
What is a credit history?
Credit history is your financial reputation. It reflects how you paid for previous loans: whether you repaid on time, whether there were any delays, and how many loans you have already taken.
A positive credit history increases your chances of getting a new loan. But problems with past payments can make it harder to get financing when you need it most.
Which is better to choose: a cash loan or a credit card?
It all depends on what you need the loan for. If you require a loan to cover one-off expenses for major purchases—such as car repairs or home appliances—then taking out a cash loan would be the best solution( Cash Loan). At Raif, another important aspect is that we have separate Cash loans for pensioners with special conditions.
However, if the primary goal is covering everyday expenses and having an additional source of funds for small purchases, then the optimal solution would be Credit Card.
Frequently Asked Questions:
Yes, sure. You can arrange a loan entirely online via the mobile app MyRaif, without visiting the branch, thanks to our loan online
- Passport of a citizen of Ukraine or ID card;
- Taxpayer Identification Number (TIN).
If you register online and these documents are linked to the Diia app, you can complete the identification process through it without any additional uploads.
- Visit the website of the First All-Ukrainian Credit History Bureau.
- Register using your Tax ID (IPN), phone number, and additional personal details.
- Log in to your account to view your credit history within the limits of available requests.
- Delivery of the report by mail or email is also available. If you need more detailed instructions, you can view the available information at the link and check your credit history.
There could be several reasons:
- We have not yet fully analyzed your application;
- You do not currently meet the requirements for obtaining a loan.
A credit holiday is a period during which you can defer loan payments without incurring fines or penalties and without negatively affecting your credit history. This service is available to clients facing temporary financial difficulties, particularly during the period of martial law.
You can repay your loan using several convenient methods. View the full repayment instructions at the link.
A cash loan and a credit card are both financial instruments that allow you to use bank funds, but they differ in how you access the credit. A cash loan involves the provision of funds as a lump sum for a specific amount and term. You receive the entire amount into your account at once and use it at your own discretion. At Raiffeisen Bank, you can apply for a cash loan online via the MyRaif app.
A credit card is a payment tool that allows you to use borrowed funds incrementally, up to a set limit. You use it just like a standard card, with the option to repay the balance either partially or in full.
Both products allow you to borrow money, but they differ in terms of usage flexibility, repayment schedules, and suitability for various life situations.
Our consumer loans are not purpose-specific, meaning you can spend the funds on anything—renovations, appliances, or travel.
Funds are usually credited almost instantly, so you can immediately address your urgent needs by using our urgent loans!,
Yes, our service operates automatically. You can apply for a loan at any time, as we operate 24/7.
We respect your privacy, so the verification process for many offers is fully automated, allowing you to obtain loans without phone calls.
You can easily calculate loan interest using the loan calculators available on the pages for the respective loan products.
Yes, it is possible to obtain a bank loan during martial law.
No collateral is required for our consumer loans.
Official employment is sufficient, especially if you wish to borrow a large amount. Sometimes, you don't even need that to get an unsecured loan!
Sign up for the MyRaif app, select an offer in the "Loans" section, and you’ll have the loan funds on your card in just a few minutes.
It is a common situation to need funds immediately when payday is still a long way off.
Borrowing money can be a quick solution to this problem.
Taking out a payday loan can be an optimal solution, especially if you open a credit card that allows you to be prepared for such situations in advance.
In reality, it all depends on what exactly you consider to be a bad credit history. We do not guarantee loan approval under such circumstances, but our system evaluates each client individually.
You can always try registering in the MyRaif app to check if there are any offers available based on your current details.
The loan term depends on the type and conditions, but the maximum duration is up to 72 months—that is, 6 years. If you wish to reduce your financial burden, you can take out a loan for this full term and secure the necessary funding through a long-term loan. You can use the loan for home renovations or to purchase other items!
This is a marketing myth. Every financial institution checks credit history before issuing a loan. While some institutions may be willing to take on higher risks and approve loans more frequently, it is impossible to grant loans to everyone without exception.
In general, you can apply for a loan online, which is very convenient and fast.
If, however, you are interested in obtaining a loan in person, use our interactive map to find the nearest branch.
Legal information:
Warning to individual customers when using the Cash Loan consumer credit serviceThe service of JSC Raiffeisen Bank (hereinafter - the Bank) providing consumer loans under the "Cash Credit" lending program is provided by the Bank to individual clients under the terms of the Banking Service Agreement.
The banking service agreement (hereinafter - the Agreement) is an accession agreement (Article 634 of the Civil Code of Ukraine) and consists of a public offer, a statement of acceptance of a public offer/agreement, "Rules for banking services for individuals in JSC Raiffeisen Bank, the Bank's tariffs and an application for granting loan "Cash loan".
In case of non-fulfillment or improper fulfillment by the client of the credit obligations established by the Agreement, the client bears responsibility in accordance with the legislation of Ukraine and the terms of the Agreement.
Thus, for late payment by the client of any monetary obligations under the loan, the client must pay, at the request of the Bank, a penalty in the amount of 1% (one percent) of the amount of the overdue payment for each calendar day of the delay. The amount of such a penalty cannot exceed double the NBU accounting rate that was in effect during the period for which the penalty is paid, and cannot be more than 15% of the overdue payment amount. The cumulative amount of the penalty charged for breach of the Client's obligations under the Credit cannot exceed half of the amount of credit funds received by the Client in accordance with the Application - Agreement, and cannot be increased by agreement of the Parties.
The aggregate amount of penalties and other payments payable by the Client for breach of his obligations under the Credit, the total amount of which does not exceed the amount of one minimum wage, cannot exceed the amount of twice the amount of credit funds received by the Client in accordance with the Application-Agreement, and not may be increased by agreement of the Parties. If the Client fails to fulfill his obligations under such a Loan, the total amount of which does not exceed the amount of one minimum wage, the interest rate under the Loan, the procedure for its calculation, the procedure for paying interest cannot be changed to the detriment of the Client.
The penalty is calculated starting from the next calendar day after the date when the corresponding monetary obligation was to be fulfilled, and until the day of the Client's fulfillment of the overdue obligation, inclusive.
The Bank is prohibited from requiring the client to purchase any goods or services from the Bank or a related or related person as a prerequisite for providing a consumer credit service (except for the provision of a package of banking services).
The Bank does not have the right to unilaterally make changes to the "Cash Credit" loan application concluded with the client, unless otherwise established by the Agreement or the law.
The client can refuse to receive advertising materials through remote communication channels.
The service of providing consumer loans by JSC Raiffeisen Bank (hereinafter, the “Bank”) under the “Credit Card” lending program is offered by the Bank to individual clients under the Banking Services Agreement.
The Banking Services Agreement (hereinafter, the “Agreement”) is an adhesion contract (Article 634 of the Civil Code of Ukraine) and consists of a public offer, an application to accept the public offer/agreement, the “Rules for Banking Services for Individuals at JSC Raiffeisen Bank,” the Bank’s tariffs, and an application for a “Credit Card” loan.
If the client fails to fulfil or improperly fulfils their credit obligations under the Agreement, the client shall be liable in accordance with the laws of Ukraine and the terms of the Agreement.
Yes. If the client is late in fulfilling any monetary obligation under the loan, the client must, at the Bank’s request, pay a penalty equal to 1% (one percent) of the overdue payment, but in any event not less than UAH 50 (Fifty UAH).
If the client also fails to repay the loan on the final day of the loan term, the client must pay the Bank interest, as liability for breach of a monetary obligation under Article 625 of the Civil Code of Ukraine, at a rate of between 0.000001% and 48.00% per annum.
The Bank is prohibited from requiring the client to purchase any goods or services from the Bank or any entity affiliated or associated with it as a mandatory condition for providing a consumer loan, except for the provision of a banking services package.
The Bank may not unilaterally amend the loan application for a “Credit Card” entered into with the client, unless otherwise provided for in the Agreement or by law. The client may opt out of receiving advertising materials through remote communication channels.
Також ви можете ознайомитись з додатковими документами:
- Типова форма Заяви-Договору про відкриття Поточного рахунку та надання Кредиту «Кредит готівкою»
- Інформація про істотні характеристики послуги з надання споживчого кредиту "Кредит готівкою"
- Інформація про істотні характеристики послуги з надання споживчого кредиту "Кредит готівкою" для пенсіонерів
- Типова форма Заяви про відкриття Карткового рахунку та надання Кредиту «Кредитна картка»
- Інформація про істотні характеристики "Кредитна картка 100 днів 2.0"
- Тарифна модель "Кредитна картка 100 днів 2.0"
In August 2022, the Law of Ukraine No. 2459-IX "On Amendments to Certain Laws of Ukraine Regarding the Settlement of Overdue Debt During the Period of Martial Law in Ukraine" entered into force.
Under this law, military personnel and their family members who have overdue debt on the Bank’s credit products may submit a request for the Bank to cease all forms of communication with them (including phone calls, letters, email or SMS notifications, etc.).
All our borrowers—military personnel, their spouses, and Territorial Defense volunteers—are entitled to the benefit stipulated by the Law of Ukraine "On Social and Legal Protection of Military Personnel and Their Family Members," namely: exemption from paying penalties and interest on loans and credit cards.