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Money tends to run out at the most unexpected moment. And costs attract each other like a magnet. The washing machine breaks down, followed by the iron, then the tooth catches fire, and you still need to buy a birthday present for a relative — and all this at once, just when the cash is gone. Financial helplessness, but not hopelessness. It is not necessary to look for someone to borrow money from among friends and relatives. Can take cash loan at the bank, and solve your problems on your own, without making your loved ones worry.
Appointment of a cash loan
You can take out a cash loan from the bank without even explaining the reason and purpose. But in Oschadbank, there is a rule: a loan with a reasonable purpose provides for a much lower annual interest rate. If the borrower can provide documents confirming the purpose of the loan, the purchase price of which is at least 75% of its amount, the annual interest rate will be reduced from 56% to 40%.
You can take a cash loan for the following needs:
- Repayment of current payments and coverage of household needs.
- Buying a car (new or used).
- Purchase or repair of housing.
- Treatment (rehabilitation, surgery, prosthetics, etc.).
- Tourist trip within the country or abroad.
Various microfinance institutions and pawnshops are engaged in issuing cash loans. But only the bank can guarantee the security of the financial transaction and compliance with the size of the loan and the terms of its repayment, determined at the stage of signing the contract.
Registration conditions
Anyone can get a cash loan from Oschadbank if they are an adult citizen of Ukraine with a permanent income sufficient to repay the loan. A loan request is submitted in the form of an application online on the bank's website or in a branch. Scanned copies of documents confirming identity (passport, TIN) and solvency (certificate of income from work) should be attached to the application.
A cash loan is issued under the following conditions:
- The amount of the loan is from UAH 30 to UAH 250.
- The credit term is from 12 months to 5 years.
- Bank commission — 5% of the loan amount.
- The interest rate for the use of funds is 56% per annum under general conditions and 40% for justified purpose.
Applications are considered within 1-2 working days from the moment of registration of the client's application. Using the interactive calculator on the service page, you can calculate the approximate monthly payment according to the planned loan amount. Regular cash credit payments can be made cashless from the card and through the banking application, or at branch cash desks.
Urgent cash from Oschadbank is a convenient and safe way to establish your own financial balance at the most important moments.
