Necessary documents:
1. Ukrainian citizen's passport or ID card.
2. Taxpayer identification code.
For any purpose
If you could get everything you want, what would it be? Home renovation, new car, the best home appliances, fantastic vacation or your version!
Up to 500 000 UAH
We give up to 500 000UAH for any purpose. Cash loan is available for customers who receive a salary on the Raiffeisen Bank card.
No mortgage and guarantors
No additional security is required other than formal employment
Flat rate
The interest rate for the entire loan period remains unchanged and is fixed in the contract
No additional fees
There are no commissions for the loan, monthly payments and early repayment
No queues at checkout
The credit is credited to the card, money can be withdrawn at any time and in a convenient place or pay for large purchases
Convenient repayment
The loan is repaid online or automatically from your card, so there is no need to visit the cash register
Fewer documents
Only passport and codeUseful information
If yuor income is up to 15 000 UAH
- Loan amount
-
from 5 000 to 150 000 UAH
- Credit term
-
from 13 to 72 months
- Interest rate
-
51,90% yearly
- Compulsory life insurance
-
0,15% per month on 13 months
it is paid on a lump sum at the expense of credit funds
If your income up from 15 000 to 30 000 UAH
- Loan amount
-
from 5 000 to 300 000 UAH
- Credit term
-
from 13 to 72 months
- Interest rate
-
41,90% yearly
- Compulsory life insurance
-
0,15% per month on 13 months
it is paid on a lump sum at the expense of credit funds
If your income from 30 000 UAH
- Loan amount
-
from 10 000 to 500 000 UAH
- Credit term
-
from 13 to 72 months
- Interest rate
-
29,90% yearly
- Compulsory life insurance
-
0,17% per month on 6 months
it is paid on a lump sum at the expense of credit funds
Maximum loan amount - 500 000 UAH. The maximum term of the loan is 72 months. The annual interest rate on the loan from 29.9% to 51.9%. The real annual interest rate on the loan depends on the size, term of the loan and the chosen voluntary insurance program and can range from 30,4% tо 56,1%. The proposal does not apply to the territories temporarily occupied or not under the control of the Ukrainian authorities. Terms of service provision in accordance with the rules of the Bank. Requirements for a client to complete a loan agreement are determined by the Bank's internal documents. All information about services on raiffeisen.ua or in the branches of the Bank. Banking license of the NBU No. 10 dated 02.07.2021. Listed in the state register of banks on 03/27/1992. from No. 94.
Ways to get a loan
Go to the mobile app Raiffeisen Online
Call us on 0 800 500 500 (521 from Vodafone)
Conditions for obtaining a loan:
1. The age of the borrower from 23 to 73 years.
2. Work experience at the current position for more than 1 month.
3. Ukrainian citizenship
4. Permanent residence on the territory of Ukraine.
5. Continuous monthly income.
6. Permanent stay within the borders of the territories controlled by the Ukrainian authorities.
Useful information
What you need to know about loans:
When it comes to funding, there are many self-proclaimed experts who give advice and many myths about it. Therefore, we have prepared a list of the 2 most common myths and why they are not true.
1. MYTH: The shorter the maturity, the better
We agree. But only if your monthly budget is large enough that higher payments do not cause significant harm
Helpful Hint: How do I calculate my monthly payment?
It should not exceed 30% of the family's monthly income. If you set the above, unexpected expenses can put a strain on your family budget in the future.
2. MYTH: A longer loan term is more expensive to maintain
Already not. After all, you independently regulate monthly payments, make early repayments at any time. The longer term of the loan gives you the opportunity to reduce the mandatory monthly payment and thus keep the possibility of minimum payments in the months when there are other unforeseen expenses.
How easy to repay a personal loan?
Choose the most convenient way for you there
On the right of the consumer to refuse the consumer loan agreement
In case of Cash loan without insurance of the client's life, health and performance, the client has the right, within 14 calendar days from the date of the conclusion of the consumer loan agreement, to withdraw from the agreement without giving reasons, including if the client receives funds. The client shall inform the Bank about his intention to cancel the consumer loan agreement in written paper form. Within 7 calendar days from the date of submission of a written notice of cancellation of the consumer loan agreement, the client is obliged to return to the Bank the funds received under the agreement and pay interest for the period from the date of receipt of funds to the day of their return at the rate established by the consumer loan agreement .In case of Cash loan with insurance, the client has no right to cancel the consumer loan agreement, since such an agreement provides for the provision of credit funds by the Bank to the client not only for their own (personal) needs, but also for the payment of the insurance premium in favor of the insurer, the insurance service of which is provided to the client before the end of 14 days from the date of the conclusion of the consumer loan agreement (clause 2 of part 6 of article 15 of the Law of Ukraine "on consumer lending").
Terms of early termination of loan agreement:
The loan (credit) service is provided under the terms of the Banking Service Agreement, which consists of a public offer, application for acceptance of the public offer / agreement, Rules of banking services for individuals in Raiffeisen Bank JSC (hereinafter - the Rules), lender's tariffs.
The Agreement may be terminated by agreement of the parties, at the initiative of one of the parties or in cases provided by the legislation of Ukraine.
The Bank has the right to initiate the termination of the Agreement in the presence of one of the following circumstances: breach by the client of its obligations to the Bank under the Agreement or other agreements; in case of carrying out by the client and / or on the accounts of the client of the forbidden (forbidden) operation (s) or operation (s), which contain features that are subject to financial monitoring; the occurrence of circumstances that are grounds for termination of the Bank's provision of services provided by the Agreement to the client; closing all client accounts opened under the terms of the Agreement; absence of the fact of using the Bank's services provided by the Agreement.
In case of termination of the Agreement at the initiative of the Bank, the Bank shall terminate the provision of services under the Agreement from the date of sending the relevant notice to the client (or within another period provided by the notice).
Warning to individual customers when using the Cash Loan consumer credit service
The service of providing Raiffeisen Bank JSC (hereinafter - the Bank) with consumer loans under the Cash Loan program is provided by the Bank to individual customers 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 Service of Individuals in Raiffeisen Bank JSC", Bank tariffs and a loan application " Cash Loan ".
In case of non-fulfillment or improper fulfillment by the client of the loan obligations established by the Agreement, the client is liable according to the legislation of Ukraine and the terms of the Agreement.
Thus, for the delay in the fulfillment by the client of any monetary obligations under the loan, the client must pay a penalty at the request of the Bank to the tune of 1% (one percent) of the amount of overdue payment for each calendar day of delay. The calculation of penalties is carried out starting from the next calendar day after the date when the corresponding monetary obligation must be fulfilled, and until the day, the consumer fulfills the overdue obligation, inclusive.
The Bank shall not require the client to purchase any goods or services from the Bank or a related or associated person as a prerequisite for the provision of a consumer credit service (except for the provision of a package of banking services).
The Bank shall not be entitled to amend the Cash Loan application with the client unilaterally unless provided by the Agreement or the law.
The customer may refuse to receive promotional materials by means of remote communication channels.
Settlement of past-due debt
Information about the service and it`s essential characteristics
Is it possible to get an official certificate about the status or absence of debt?
It is possible to receive an official certificate on the state of debt under an existing loan or on the absence of debt to the Bank by calling the Bank's Information Center (0 800 500 500) or by requesting the Raiffeisen Online chat. Details.
For calls from abroad: +38 (044) 354 14 34 (according to the operator's tariffs) or [email protected] (free with Skype).
