Commercial car loans

Providing credits to individuals to buy new cars of domestic and foreign manufacture for commercial use 

Now there’s no need to save money for insurance costs – obtain a credit to pay for your insurance fees 
 
Terms and conditions apply:

• Down payment – from 0% on a car price;
• Crediting periods:

- 60 months – for cars of foreign manufacture

- 48 months – for cars of domestic manufacture

- 36 months  - for cars of domestic manufacture

• Interest rate – from 13,3% APR;
• Repayment of credit body and interest to be made either monthly by equal installments or by annuities;

Item	Down payment	Interest rate, USD, EUR	Interest rate, UAH
Cars of foreign make	10%	13,3%	17,4%
Cars of foreign make	10%	13,3%	17,4%
Cars of domestic make	10%	13,3%	17,4%
Cash service commission fee (single pay)*	from 1,5% on a credit amount

• Purchased car is a collateral;  
• Option of preschedule repayment without penalty pay; 

Insurance:

• Overall automobile insurance costs - from 4,5% on a motorcycle price
• Compulsory personal liability insurance - from UAH 372
• insurance of borrower accident – 0,5 % from the sum of credit  + percents for 3 months (only at zero pre-pay).

Additional payments:

• Notary contract of pledge attestation services - from UAH 450; 
• Registry of pledge information entry fee - from UAH 70; 
• Cash service  commission fee (transfer of credit funds to automobile dealership) - from 0,3% on the transferred amount.

Required documents:

• Ukrainian passport + mate’s; 
• Marriage certificate (if any); 
• Tax ID code certificate + (mate’s); 
• Employment certificate (branded form) with mentioning the position and average income amount during the recent 6 months; 
• Other additional documents if necessary;

In case if a borrower is the owner (co-founder) of the company, we need the following additional documents:

• Regulations and Founders Agreement of the enterprise;
• Balance sheet on latest balance sheet day;
• Form  # 2 on the latest reporting day;
• Turnover on current accounts;
• Agreements, proving activity of enterprise.

In case if a borrower is a private entrepreneur, we need the following documents:

• Entrepreneur Registration certificate;
• Single tax pay certificate;
• License or patent;
• Tax inspection accounts for the recent 2 quarters or Tax office certificate for the recent 6 months;
• Agreements, proving economic activity;
• Closed contracts of tenancy;
• Bank’s current account cash flow issue for the recent 6 months.         
     
   

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Most frequently asked questions

* - Conditions may vary depending on a region of crediting.