Lending - you are the owner of the car. The bank is financing the purchase, and the car is a mortgaged property in this bank. At the request of the bank, you will need to insure the car, i.e. issue CASCO.
Leasing - it is a long-term lease with the right to buy. During the entire lease term, the owner will be the leasing company. When buying a car for leasing, you will use not only the financing of the leasing company, but also the support service. Leasing payments include all necessary costs both during registration and during the entire lease term - CASCO and civil law insurance, registration, etc. Learn more about leasing
There are many financial organizations on the market (banks, leasing companies, social organizations, etc.). Some of them are scammers. If you are offered a car at a low price, do not require a certificate of income, mandatory insurance, then you may have turned to a "dubious" company. At your request, we will provide you with all contracts that will need to be signed on the agreement, detailed comparative calculations. Cooperating with us, you will not have to assume any obligations without first studying all the terms of the contract.
Fixed rate - the bank will not unilaterally change the interest rate, as is possible with a floating rate; No monthly fees - interest is charged only on the balance; Affordable CASCO with the lowest possible tariff (possible with a breakdown of payment even with a loan). Absence of excessive costs during registration - additional insurances and commissions.
Each bank has several credit products - standard and jointly developed for certain car brands (promotional conditions). Sometimes an attractive loan product with a reduced annual interest rate in the final result, after calculating all one-time costs and payments, becomes less profitable than a standard bank product. The profitability of the product is affected by the term of the loan and the down payment.
PrivatBank lending conditions for individuals| Advance payment | Lending term, annual interest rate in UAH. | ||||
| 12 mo. | 24 mo. | 36 mo. | 48 mo. | 60 mo. | |
| 30% | 7,5% | 11,0% | 12,5% | 14,0% | 14,5% |
| 40% | 6,0% | 10,0% | 11,5% | 13,5% | 14,0% |
| 50% | 4,5% | 8,5% | 10,5% | 12,0% | 12,5% |
| 60% | 2,5% | 6,0% | 8,0% | 10,0% | 10,5% |
| 70% | 0,01% | 2,5% | 4,5% | 6,5% | 7,5% |
| One-time bank commission | 2,50% | 1,50% | 0,0% | ||
| CASCO insurance tariff - 6,49% | |||||
PrivatBank conditions for lending cars with a term of up to 4 years for individuals| Advance payment | Lending term, annual interest rate in UAH. | |||
| 12 mo. | 24 mo. | 36 mo. | 48 mo. | |
| 30% | 13,5% | 17,0% | 17,5% | 17,5% |
| 40% | 11,5% | 15,0% | 16,0% | 16,5% |
| 50% | 10,5% | 13,0% | 14,5% | 15,5% |
| 60% | 8,5% | 11,5% | 13,5% | 14,0% |
| 70% | 6,5% | 9,0% | 12,0% | 12,5% |
| One-time bank commission | 2% | 1% | ||
| CASCO insurance tariff - 6,41% | ||||
PrivatBank terms and conditions for lending cars with a term of 4 to 12 years for individuals| Advance payment | Lending term, annual interest rate in UAH. | |||
| 12 mo. | 24 mo. | 36 mo. | 48 mo. | |
| 30% | 16,5% | 20,0% | 20,5% | 21,0% |
| 40% | 16,0% | 19,0% | 20,0% | 20,5% |
| 50% | 15,0% | 18,0% | 19,0% | 19,5% |
| 60% | 13,5% | 17,0% | 17,5% | 18,5% |
| 70% | 11,0% | 14,5% | 15,5% | 16,0% |
| One-time bank commission | 2,5% | 1,5% | ||
| CASCO insurance tariff - 6,2% | ||||
OschadBank lending conditions for individuals| Credit term | One-time bank commission | |||||
| The interest rate depends on the term of the loan and the initial payment, % per annum | ||||||
| 30% | 40% | 50% | 60% | 70% | ||
| 12 mo. | 0.00% | 6,49% | 4,49% | 1,49% | 0,01% | 0,01% |
| 24 mo. | 8,99% | 7,49% | 5,49% | 2,49% | 0,01% | |
| 25-36 mo. | 10,49% | 8,99% | 7,49% | 4,49% | 0,01% | |
| 37-60 mo. | 11,49% | 10,99% | 8,99% | 6,99% | 2,49% | |
| 61-84 mo. | 12,49% | 11,99% | 10,49% | 8,49% | 4,49% | |
OschadBank lending conditions for business| Credit term | |||||
| The interest rate depends on the term of the loan and the initial payment, % per annum | |||||
| 30% | 40% | 50% | 60% | 70% | |
| 12 mo. | 2,99% | 2,99% | 1,99% | 0,01% | 0,01%* |
| 24 mo. | 3,99% | 3,39% | 3,99% | 0,01% | 0,01% |
| 36 mo. | 5,99% | 5,99% | 4,99% | 0,01%** | 0,01% |
| 48 mo. | 6,99% | 6,99% | 5,99% | 3,99% | 2,99% |
| 60 mo. | 6,99% | 6,99% | 5,99% | 3,99% | 2,99% |
*one-time fee is 0.00% of the loan amount
**one-time fee is 2.50% of the loan amount
Globus Bank lending conditions| Credit term | One-time bank commission | |||||
| The interest rate depends on the term of the loan and the initial payment, % per annum | ||||||
| 30% | 40% | 50% | 60% | 70% | ||
| 12 mo. | 2.50% | 11,99% | 10,49% | 8,99% | 6,99% | 2,99% |
| 24 mo. | 14,49% | 13,49% | 11,99% | 9,49% | 5,99% | |
| 36 mo. | 15,49% | 14,49% | 12,99% | 10,99% | 7,99% | |
| 48 mo. | 15,99% | 14,99% | 13,99% | 12,49% | 8,99% | |
| 60 mo. | 16,49% | 15,99% | 14,99% | 12,99% | 9,99% | |
- Passport
- TIN
- Certificate of income
If the Borrower is married, then the same package of documents
for husband / wife + marriage certificate.
A negative credit history, a minimum certificate of income is not always a problem for purchasing a car on credit.
You can get more detailed information by calling
A unique offer for lending new and used cars. Comprehensive approach.
