Auto loans at Ukrainian banks
An auto loan is a targeted loan secured by the vehicle. It's Ukraine's cheapest retail credit (12–22% APR vs 22–48% for cash loans) because the car serves as collateral — on default, the bank can repossess and sell it. Minimum down payment — 10–20% of car value. Term — up to 7 years. Mandatory CASCO insurance for the loan's entire duration.
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Monthly payment
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Calculated using the standard annuity formula. Doesn't account for upfront fees, insurance, or servicing charges. The real cost may be higher — verify with the bank before signing.
Comparison across 20 Ukrainian banks
Sorted from lowest rate. All banks hold active NBU licences.
| Bank | Rate |
|---|---|
| C Credit Agricole Bank | 12–17% |
| R Raiffeisen Bank | 13–18% |
| U Ukrgasbank | 13–18% |
| O OTP Bank | 13–19% |
| U UkrSibbank | 13–19% |
| O Oschadbank | 14–20% |
| P PUMB | 14–20% |
| S Sense Bank | 14–20% |
| K Kredobank | 14–19% |
| P Pivdenny Bank | 14–20% |
| T TASkombank | 14–20% |
| B Bank Lviv | 14–20% |
| P PrivatBank | 15–22% |
| U Unex Bank | 15–21% |
| C Cominvestbank | 15–21% |