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ALD Automotive

Terms of loans for used cars, developed by

PJSC "CREDIT AGRICOLE BANK" for cars ALD Automotive

Terms for used cars ALD Automotive, valid from 20.11.2017

Term of the loan Interest rates in UAH One-time fee
Initial payment
from 30.00 %
0-12 months. 18.99 % 1.50 %
13-24 months. 18.99 % 1.50 %
25-36 months. 18.99 % 1.50 %
49-60 months. 18.99 % 1.50 %
Payment schedule

Requirements for the report of technical condition of the car

Loan amount:

  • From USD 2 000 till USD 30 000 (in the equivalent at the NBU rate).

Requirements to a vehicle:

  • The age of a vehicle cannot exceed 10 years on the date of loan repayment;
  • The average annual mileage of a car must not exceed 30,000 km;

Form of a loan granting:

  • Crediting the loan amount to the Borrower's current account with its subsequent transfer to the Seller's current account.

METHOD OF LOAN AND INTEREST REPAYMENT:

  • on a monthly basis, loan payments are calculated on an annuity basis;
  • on a monthly basis, the principal amount is repaid in equal parts, interest is charged on the balance of the loan debt.

EARLY LOAN REPAYMENT:

  • is possible from the first month since the moment of obtaining a loan, with no commission charged.

MANDATORY INSURANCE

  • comprehensive hull insurance;
  • public indemnity insurance;
  • accident insurance of the Borrower – 1.99% single time;

ADDITONAL COSTS:

  • commission for operations in the State Register  – UAH 750 one-off;
  • hull insurance with the partner of the program
  • public indemnity insurance with the partner of the program;
  •  Maintenance check of the vehicle purchased for the loan money

 REQUIRED DOCUMENTS

Copy of internal passport and an identification code assignment certificate of the vehicle Seller and his/her spouse (all pages containing information);

Documents for the vehicle purchased for loan money:

Specification or invoice from an accredited automobile dealership through which the sale is performed;

Certificate of vehicle registration in the name of its owner;

Report and/or statement of the vehicle technical condition with photos of the accredited automobile dealership / service station;

Internal Ukrainian passport of the Borrower, copy of the Borrower’s spouse’s passport (all the pages containing information), and an identification code assignment certificate of the Borrower and the Borrower’s spouse;

For a private individual:

a certificate from the place of work of the Borrower and/or the Borrower’s spouse certified in the accounting department no earlier than 2 weeks prior to the day it is submitted to the Bank, and confirming the position of the Borrower and/or the Borrower’s spouse, as well as his/her accrued income for the past six months;

For a private entrepreneur (hereinafter – a PE):

Certificate of state PE registration (at least two years);

Certificate of the unified tax payment (if applicable, depending on the form of taxation);

Reports from tax inspection concerning PE income for the past 5 quarters / or the past 2 years;

Other documents at the Bank’s request that will be necessary for making a decision.

* For PE customersthe minimum down payment shall be increased by 5% of the vehicle value.

- For the vehicles the value of which is exceeding USD 30 000 (in UAH at the official NBU rate established on the day of considering a loan application), the minimum down payment shall be 40%. 

Credit calculator:

Loan program:
The cost of the vehicle, UAH:
Advance payment, UAH:
Loan amount:
Term of the loan:
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Type of repayment schedule :
Payment schedule

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