Ranok
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Our review
Редакція BankSorter · Updated: 3 September 2026
Ranok - offer overview
Ranok is a non-bank lender with a fixed loan term and a genuine first-payment promotion.
Amount and term
The exact amount range isn't filled in on the page. Term is fixed at 120 days, with a customer-selectable payment interval of 15-30 days.
Rate
Standard daily rate: 0.9% (328.5% annually). Real annual rate without discounts: 3,369.39%. A promo code gives a 0.01% rate for the first payment.
Requirements
Age 18 to 70. Origination fee: 10% of the amount. Late payment penalty: up to 100% of the debt (capped by law).
Summary
Ranok offers a genuine 0.01% discount on the first payment with a promo code, substantially lowering the cost of first use - without a promo code the rate remains very high.
✓ Pros
- ✓ 0.01% promotional rate on the first payment with a promo code
- ✓ Flexible payment interval - 15-30 days, customer's choice
- ✓ No income verification or guarantors required
✕ Cons
- ✕ Exact amount range isn't clearly stated on the page
- ✕ Real annual rate without a promo code - 3,369.39%
- ✕ 10% origination fee on the amount