Driving our own cars gives a feeling of comfort and allows us to be flexible and fast in this life. Universal Bank understands the needs of our clients and thus we created such auto lending programs which you can largly benefit from and purchase your own car even today:

• Currency – UAH;
• term – up to 5 years;
• down payment  – from 13 %* of the car cost;
• repayment schedule  – annuity;

* condition of minimal down payment of 13% of the car cost is valid in case the car cost doesn’t exceed 150 000 UAH. If the car cost is more than 150 000, minimal down payment is 22,50% of the car cost. In case, the car was produced in China, minimal down payment is 22,50%

The main advantages of auto lending programs at Universal Bank:

• low interest rates that depend on your choice of the lending program;
• possibility to take the advantages of the partnership programs;
• absence of commissions in case of early loan repayment;
• fast decision making process regarding loan disbursement.

Loan execution payments:

• notary services payment;
• insurance services payment (full KASKO and civil responsibility);
• one-time payment for loan initiation;
• obligatory payments according to legislation .

Necessary documents required for the loan execution:

• Identification documents of the client;
• Income statements (financial statements) of the client;
• Documents confirming the assets and loan history of the client (if any);
• Invoice from the auto-dealer which cooperated with the Bank.

Standard terms of lending for the following autos:HYUNDAI, SEAT, FORD, FIAT, CITROEN, PEUGEOT, SSANG YONG, SKODA, HONDA, ALFA ROMEO, LIANCIA, RENAULT, TOYOTA, NISSAN, VOLKSWAGEN, SUZUKI, MAZDA, CHEVROLET, KIA, OPEL, MITSUBISHI. 

 * condition of minimal down payment of 13% of the car cost is valid in case the car cost doesn’t exceed 150 000 UAH. If the car cost is more than 150 000, minimal down payment is 22,50% of the car cost.

Interest rate type – fixed (for the first 12 month of lending period)

No monthly commission

Options of standard loan terms for such auto brands as: GEELY, CHERY, ZAZ, VAZ, LADA, DAEWOO

*condition of minimal down payment of 13% of the car cost is valid in case the car cost doesn’t exceed 150 000 UAH. If the car cost is more than 150 000, minimal down payment is 22,50% of the car cost. In case, the car was produced in China, minimal down payment is 22,50%

Interest rate type – fixed (for the first 12 month of lending period)

No monthly commission

Options of standard loan terms for such auto brands as: VOLVO, JAGUAR, LAND ROVER, AUDI, MERCEDES, BMW

Interest rate type – fixed (for the first 12 month of lending period)

No monthly commission

Life insurance of the borrower – one time payment of 3,2% from the loan amount (included in the loan amount)

Find out more on the auto-lending terms of the partnership programs:

Auto loans with UkrAuto
MITSUBISHI with Universal Bank
FIAT, ALFA ROMEO, LANCIA with LLC «ROSAVTO»