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ПриватБанк
Cash loans

ПриватБанк — Кредит готівкою

Best Rate Lowest Cost Verified 04.09.2026

ПриватБанк • UAH

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In brief
interest rate 36,00%
Loan amount 1 000 – 500 000 UAH
Period 1–60 mo.

Our review

Олена Ткаченко · Updated: 27 August 2026

PrivatBank's Cash Loan: who it's for

PrivatBank's “Cash Loan” is a standard consumer loan for individuals, aimed at customers who need a certain sum for their own needs without tying it to a specific purchase. The product is aimed primarily at those already using the bank's services, since the most favorable terms apply to existing customers.

Cost of the loan

The nominal interest rate is 36% annually. According to the bank, this is the minimum rate available to existing PrivatBank customers — meaning for new customers, or depending on individual risk assessment, the actual rate may be higher. This is important to keep in mind when comparing with other market offers: the stated figure is the best-case scenario, not a guaranteed rate for everyone.

Detailed information on additional fees (origination, account maintenance, early repayment) isn't available in the bank's public sources, so it's worth carefully reviewing the full terms in the Privat24 app or at a branch before signing.

Lending terms

  • Loan amount: from 1,000 UAH to 500,000 UAH
  • Loan term: from 1 month to 60 months (5 years)
  • Currency: hryvnia (UAH)

The wide range of amounts and terms lets you tailor the loan to both small short-term needs and more significant expenses spread over several years.

Pros and cons

Like any financial product, this loan has its strengths and weaknesses worth weighing before applying.

Summary

PrivatBank's Cash Loan is a flexible tool with a wide range of amounts (1,000–500,000 UAH) and terms (1–60 months), most advantageous for customers who already have a history with the bank. The 36% annual rate is stated as the minimum for existing customers, so new users should be prepared for the actual rate after review to differ. Before applying, we recommend confirming the full terms and fees directly with the bank.

✓ Pros

  • ✓ Wide loan amount range — from 1,000 to 500,000 UAH
  • ✓ Flexible loan term — from 1 month to 5 years
  • ✓ Better rate for existing bank customers
  • ✓ Application via Privat24 with no branch visit

✕ Cons

  • ✕ The stated 36% rate is the minimum only for existing customers — it may be higher for new ones
  • ✕ No public information on additional fees
  • ✕ High rate compared to classic bank loans in other countries

Loan repayment calculator

1 000 UAH 500 000 UAH
1 mo. 60 mo.
Monthly payment
Total cost
Total interest
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Indicative calculation based on nominal rate of 36%. Actual costs depend on individual creditworthiness assessment.

Representative example

For a loan of 20 000 UAH over 48 months, at a nominal rate of 36,00% (APRC — check the bank's current offer), the monthly instalment is approximately 792 UAH, and the estimated total amount payable is approximately 37 995 UAH (including interest: approx. 17 995 UAH). This estimate excludes any arrangement fee, insurance, or other charges — check the bank's offer for the full terms and total cost of credit before signing. As of 04.09.2026.