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Loans

Loans from Raiffeisen Bank are divided into several categories according to customer’s needs. 

What is credit and credit history?

A loan is a financial service in which the creditor (an ordinary bank) provides the borrower with value for a certain period of time for a certain fee. Your amount is repeated with interest charged for the use of funds. The bank reviews the credit history when considering the loan application.

Your credit history is your financial record. It records your credit habits. Do you pay back on time? Have you had any late payments? How many loans have you already taken and how did you repay them?

Banks check this information when you apply for a new loan. If your credit history is positive and you have always returned money on time, banks will gladly grant you a new loan. However, if there were problems, you may be refused. So, bad credit can make it difficult to get a loan when you really need it.

Benefits

Quick solution Don't wait weeks for a response. We will review your application in minutes. Often, the decision is made the same day to make it easy for you to take out a loan.
Clear and transparent No hidden fees. You will always know how much and what you are paying for.
Online services Manage bank loans via smartphone in MyRaif. Check your balance, make payments and get advice right from your home.

Cash loans

Taking out a loan is as easy as repaying it. This can be done simply from home. It's time to use online banking services and apply for a loan in the MyRaif application.

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Credit cards

Credit cards from Raiffeisen Bank are designed for comfortable obtaining and repayment of loans. Obtaining a credit card is easy: you need to complete an application, after which you will be invited to come to the branch and approve the terms of obtaining a loan.

  • Convenient for daily calculations
  • Profitable, because calculations without commissions
  • There is a cashback with a choice of categories in MyRaif
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My credit history

Raiffeisen Bank offers borrowers access to their own credit history by using the services of the First All-Ukrainian Bureau of Credit History. A bank loan is transparent and controlled.

      • Ease of registration — just your passport and tax code
      • Increased protection against fraudsters
      • Convenience — verification of information is available 24/7
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      Loans repayment

      Thanks to new services from Raif, you can pay off all types of loans quickly, safely and free of charge using a payment card of any bank.

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      Information for clients - military persons

      Raif does everything possible to continue to be a reliable financial partner for every Ukrainian. We are committed to helping and supporting our defenders and their families during this difficult time for our country. From now on, you can take out a loan on preferential terms: without interest or fines.

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      Credit Holidays For Your Credit Card

      During the quarantine, we take care of you even more, so if you have financial difficulties due to restrictions related to the quarantine, you can take advantage of the credit holiday.

      #RaiffeisenHelps

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      Credit Vacations For Cash Loan

      We are closely monitoring the development of the situation, therefore, during the quarantine, we are introducing credit holidays for cash loans.

      #RaiffeisenHelp

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      Mortgage loan restructuring

      If you have financial difficulties related to the restrictions during the quarantine, you can take advantage of loan restructuring programs at the bank.

      #RaiffeisenHelp

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      Borrower requirements

      Are you dreaming of a new car or planning a repair?
      Bank loans can help you realize your plans. Before applying, familiarize yourself with the main requirements for borrowers.

      • Borrower's age: from 18 to 62 years old at the end of the loan.
      •  Official employment: work experience at the current place of work for more than 1 month. 
      • Citizenship of Ukraine.   
      • Permanent place of residence on the territory of Ukraine.
      • Constant monthly income.
      • Credit history: positive or absent.

      Documents for processing the loan

      We value your time, so we minimized the number of required documents. To apply for a loan, you will only need: 

      Passport of a citizen of Ukraine or ID card

      Identification code of the taxpayer

      After submitting these documents, your request for a loan will be considered.

      Raif specialists will analyze the information and contact you for further steps.

      We can also additionally ask borrowers for a certificate of income. This is necessary for assessing the
      creditworthiness of the client.

      How to apply for a loan at Raif?

      1. Download the MyRaif app

      2. Open any card from Raif

      3. Go to the "Loans" tab and check whether a loan offer is available to you. Then follow the on-screen instructions to get money on your card.

      Additional offers

      To borrowers: mortgage and personal insurance programs

      The list of insurance companies in which borrowers and guarantors can enter into insurance contracts for the fulfillment of credit obligations

      Learn more