Questions and Answers

Question
Why am I getting loan denials?

There can be many reasons for denials, ranging from incorrectly filled-out applications to current overdue payments. Financial companies never disclose the specific reasons for denials. Contact us by phone, and we will discuss your situation in more detail.

Question
Can I refinance my loans through you?

Yes. We provide refinancing services. To receive a refinancing offer, you need to fill out an application form.

Question
Are your services paid?

No. All our services are completely free. We are paid by banks and financial companies.

Question
Is early loan repayment possible?

Yes, it is possible. You do not need to pay any additional fees for early repayment.

Question
Can I get a loan if I have current overdue payments?

It is possible, but generally, companies deny clients with active overdue payments on other loans. It is better to settle the overdue payment and submit a new application after some time.

Question
Can I get a loan if I have a high debt-to-income ratio?

Yes, it is possible. However, the creditor will compare your monthly payment with your current income, so loan denials are still possible.

Question
Is it possible to get a loan without a proof of income certificate?

Yes, you can get up to 50,000 UAH without a proof of income certificate.

Question
What is the interest rate on loans?

The average rate for bank loans is up to 60% per annum. For loans from financial companies, rates start from 0% for first-time applicants and up to 2% per day.

Question
What is the maximum loan term?

From 1 day to 5 years. For mortgage products, up to 20 years.

Question
I am a military service member, can I get a loan?

Yes, please submit an application.

Question
I am a pensioner, can I get a loan?

Yes. If you have other sources of income besides your pension, the probability of obtaining a loan increases.