APPLY FOR A LOAN

Fill in a simple application form by pressing the button on the right-hand side, and our experts will contact you promptly.

CONSUMER LOAN AGAINST AUTO

Advantages:

  • Amount of loan – up to UAH 500,000.00
  • Loan term – up to 36 months
  • Fixed interest rate – 0.00001%
  • Loan management fee – 1.99% (of the contract amount)
  • Minimal package of documents
  • Collateral – a car that is owned and registered to the Borrower
  • Pledged property insurance – not required

  • Lending conditions

    –  age of borrowing customers: 25-65

    –  Loan term – up to 36 months
    Flexible loan repayment schedule: 12, 24 or 36 months

    –  Cash from UAH 50,000.00 to UAH 500,000.00
    Crediting for any purposes up to UAH 500,000.00  in cash (to 70% of a pledge value of a loan security)

    –  Fixed interest rate
    Interest rate is 0.00001%

    –  Loan repayment schedule
    Classical repayment schedule or annuity (in equal parts)

    – Loan fee:Monthly loan management fee – 1.99% (of the contract amount)


  • Required documents

    –  Regarding the Borrower:

    • Passport of the citizen of Ukraine, ID card, or other documents indentifying the citizenship of Ukraine.
    • Registration number of the taxpayer’s registration card
    • Certificate of income for the last 6 months from a primary employer and/or card account statement, where payroll is passed to, for the last 6 months (financial statements for the latest reporting date and the latest full year for individual entrepreneurs)
    • Vehicle registration certificate
    • Other documents upon the Bank’s request

  • Ways of loan repayment

    – wire transfer by a customer (or their proxy) from their current accounts;

    – depositing cash in the cash desk of the Bank.

Loan is credited to the Borrower’s current account opened with JSC “BANK SICH”.

Bank fee for the cash management services for withdrawal/transfer from current account: 0% of a withdrawn/transferred amount.

Probable consequences for a Customer in case of their failure to fulfill liabilities under the banking service agreement

A Customer shall repay an amount of a loan, fee and interest on a loan, as provided by loan agreement and law of Ukraine.

Probable consequences in case of a failure to fulfill loan agreement:

– charges for late payment of loan payments / interest on a loan / other payments:

  • UAH 100.00 shall be charged for a late payment of loan payments and/or interest on a loan and/or fees, as provided by loan agreement. This shall be applied if a loan is repaid not later than the 6th calendar days from the date of such a debt;

or:

  • UAH 250.00 shall be charged for a late payment of loan payments and/or interest on a loan and/or fees, as provided by loan agreement. This shall be applied if a debt remains outstanding over six calendar days from the date of such a debt;

or:

  • UAH 1,000.00 shall be charged for a Customer’s failure to provide the Bank’s representatives with a confirmation of income within 3 business days, upon their first request.

In case of undue repayment of a loan (its part), a Borrower shall, as provided by Article 625 of the Civil Code of Ukraine, repay a loan along with an inflation ratio, accrued for the whole period of delay, interest on unlawful use of such a loan (rated in paragraph 1.14 of loan agreement), and penalty, as provided by loan agreement.