Cash loans in Ukraine 2026
A cash loan is a non-targeted consumer loan issued for any purpose without proof of how you'll spend the money. It's the most expensive credit type in Ukraine: 22–48% APR reflects high bank risk (no collateral, no targeted use). Minimum paperwork — passport + tax ID; some banks request income proof for amounts above UAH 50,000. Lowest rates — Credit Agricole (from 19%) and Raiffeisen (from 20%); highest — Forward Bank (up to 48%).
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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 | Max amount | Term |
|---|---|---|---|
| C Credit Agricole Bank | 19–30% | 1500K UAH | 84 mo |
| R Raiffeisen Bank | 20–32% | 1500K UAH | 60 mo |
| P ProCredit Bank | 20–30% | 5000K UAH | 84 mo |
| U UkrSibbank | 21–34% | 1500K UAH | 60 mo |
| O Oschadbank | 22–38% | 1000K UAH | 60 mo |
| U Ukrgasbank | 22–36% | 1000K UAH | 60 mo |
| O OTP Bank | 22–35% | 1000K UAH | 60 mo |
| S Sense Bank | 22–38% | 1000K UAH | 60 mo |
| K Kredobank | 22–36% | 1000K UAH | 60 mo |
| P Pivdenny Bank | 23–36% | 800K UAH | 60 mo |
| B Bank Lviv | 23–36% | 800K UAH | 60 mo |
| P PrivatBank | 24–42% | 500K UAH | 36 mo |
| P PUMB | 24–38% | 1500K UAH | 60 mo |
| T TASkombank | 24–38% | 1000K UAH | 60 mo |
| m monobank | 25–35% | 200K UAH | 24 mo |
| U Unex Bank | 25–40% | 500K UAH | 48 mo |
| C Cominvestbank | 25–40% | 500K UAH | 48 mo |
| A ABank | 26–45% | 250K UAH | 36 mo |
| G Globus Bank | 26–42% | 300K UAH | 36 mo |
| F Forward Bank | 28–48% | 200K UAH | 24 mo |