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Cash loan
Apply for the “Cash Loan” online service for an amount up to UAH 300,000 and receive the funds on your card within minutes.
The service works online 24/7.
You can repay it early without any commission fee.
Money is credited within 5 minutes.
Automatic payment from a card is configured.
Differences from other loan products of the Bank
‘Cash Loan’ is a service allowing you to obtain funds online for any purpose.
Money is credited to your card, and it can be withdrawn without interest at any time.
You can apply for the loan with a predetermined term: 10, 20 or 36 months.
Withdrawal of money without commission fee
Funds are credited to a Payment Card, granting commission-free cash withdrawals.
Loan for any purpose
Take money for any purchases, repairs, tuition fees, travel, treatment, etc. and pay for services in cash
Favorable interest rate
The interest rate on the initial loan amount is 1.5%.
Without income certificates and guarantors
The process of applying for and receiving a loan takes about 5 minutes.
Monthly payment
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Terms
| Maximum loan amount | UAH 300,000 (calculated individually for each customer) |
| Interest rate | 1.5% per month |
| Contract term | 10, 20 and 36 months |
| Real annual interest rate | 37% |
| Minimum amount of a first installment | UAH 0 |
How to repay the loan?
For your convenience, we will automatically set up an automatic payment for your loan repayment.
Or repay the loan in a convenient way:
- by means of Privat24 (“Wallet - Loans" menu);
- self-service terminals and branches of PrivatBank.
To do this, make a mandatory payment to your IBAN account in the period specified in your contract.
The IBAN account number can be viewed in your credit agreement or Privat24 (“Services - Loans - Cash loan” menu).
Card for loan disbursement
ЗCrediting is possible to a Payment card і and a virtual card (Digital).
A digital card has the same functions as a regular plastic card.
You probably already know, but we will remind you that when using the Digital card, you can:
- withdraw cash (using a QR code at an ATM and a bank cash desk);
- deposit money to your card at a self-service terminal;
- pay in stores (Google Pay or Apple Pay);
- carry out operations in Privat24 and make payments online.
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:
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:
- using Privat24 (“Wallet - Loans" menu);
- self-service terminals or branches of PrivatBank.
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:
- Before each automatic payment deduction, your loan repayment account balance (IBAN) is checked – if there are funds in this account, they are deducted first.
- 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).
