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Terms of use and repayment
Requirements for borrowers:
Citizenship of Ukraine;
Age from 18 to 65 years;
Permanent registration on the territory of Ukraine
The Applicant / Borrower must have full legal capacity and legal capacity, but also all the rights and powers necessary and sufficient to conclude the Loan Agreement by sending an offer and fulfilling the terms of the Loan Agreement;
Availability of a mobile phone number registered in the name of the Applicant / Borrower in the territory of Ukraine;
Availability of permanent official income;
Availability of an active open bank account in one of the banks of Ukraine.
Terms of receipt:
Loan repayment period from 61 to 365 days;
Interest rate on loans from 30 to 100% per annum. For example, if you took a loan in the amount of 50,000 hryvnias for 1 year, then after the end of the loan term, you will need to pay: from 65,000 to 100,000 hryvnias.
In case of violation of the terms, the amount of the penalty is 0.10% of the overdue amount per day, but not more than 10% of the loan amount;
In case of a long delay in payment, the information will be transferred to BKI.
Extension of the loan is possible if the creditor is informed in time (before the loan repayment date) and interest is paid for the initial term of the loan. There are no additional fees for extending the loan
Consequences of non-payment of the loan:
In case of non-return of the loan amount or the amount of interest for the use of loan funds within the stipulated period, the creditor is forced to charge a penalty for late payment. Most creditors make concessions and give 3 additional working days for payment. They are provided in case, for example, if the bank transfer took longer than usual. However, if you do not receive any response for a long time, a late payment penalty of an average of 0.10% of the initial loan amount will be charged. If the loan is overdue, it is impossible to extend the loan.
The creditor will promptly inform you about all payment deadlines by SMS or e-mail.
An offer is not an offer. Specify the final conditions when communicating directly with creditors.
Information on the full cost of the loan and an example of calculation:
A loan in the amount of 50,000 hryvnias was issued for 61 days with extension. There are 365 days in a year, according to the contract, the rate is 0.2% per day (the annual rate, accordingly, will be equal to 180%). The amount of interest per year is 90,000 hryvnias. (50,000 * 180% = 90,000), 137 hryvnias for 1 day. (50,000/365 = 137), in 61 days, respectively, 8,357 hryvnias. (137 * 61 = 8357). The total payment amount is 68,357 hryvnias (50,000 rubles principal + 8,357 tenge interest).
The APR (full cost of the loan) in interest is 100% per annum.
The minimum and maximum loan repayment period is from 61 days to 365 days.
The maximum annual interest rate, which includes the loan interest, as well as all other commissions and costs for the year, or a similar rate calculated in accordance with local legislation, is 100% per annum.
The minimum and maximum loan repayment period is from 61 days to 365 days.
In case of delay in payments, from the next day after the end of the loan term, you will be charged interest in the amount of 0.05 - 1%
per day of the loan amount. Also, the daily accrual of interest for the use of the loan under the contract and the possible accrual of a fixed fee will continue.
Money4you:
"MANIFOY" LLC; EDRPOU 42848369
Certificate of registration No. 1198, issued by the National Financial Services Commission on May 7, 2019.
The license was issued by the National Financial Service Commission, order No. 947 of 05/28/2019.
03150, Kyiv, str. Kazimir Malevich, building 86, let. D
Our service "Loans without refusal on the card" is not a creditor and does not issue loans on the card or cash loans. All lenders compared have the appropriate credit institution license.
