Consumer credit

Requirements for granting a credit

•To formalize a consumer credit, you need to provide the following documents:

• Invoice (specification) for the goods (services) issued by the organization cooperating with PJSCCB PRAVEX-BANK on the consumer credits program.
• The borrower's passport with all the photos corresponding to the age and valid registration/domicile stamp.
• Identification code certificate.
• Income certificate from the place of work.

•Consumer credit is granted to individuals

• From 25 to 60 years old, registered in any settlement of Ukraine.
• The uninterrupted work experience of the client as of the date the documents are submitted must be;
  - not less than 6 months if the amount of the consumer credit is up to UAH 3000;
  - not less than 1 year if the amount of the consumer credit is from UAH 3000 to 10 000.

Work experience data must be documentally confirmed. If the experience is not indicated in the income certificate, a copy of the entire labor book must be provided for military persons (identity card of a military person), or this information must be provided in a separate certificate.

•Formalization of credit with our partner stores

You have the possibility of formalizing a credit directly with the stores (institutions) that have concluded partner agreements with the Bank.

For this you need to:

• Choose the item in the store and obtain a specification (invoice) from the store assistant on the chosen item or service.
• On the spot (with a PRAVEX-BANK manager), fill in primary documents for receiving a consumer credit: a consumer credit application, receipt: "On informing the borrower on the norms of the Criminal Code of Ukraine".
• Have the above documents with you.

•Formalization of credit in a PRAVEX-BANK branch

To receive a credit you need to:

• Apply to any branch of PRAVEX-BANK to choose a partner enterprise providing goods (services) on trust on PJSCCB PRAVEX-BANK consumer credit programs from the catalogue of the Bank's partner enterprises.
• Choose the item in the store (institution) and obtain from the store assistant a specification (invoice) for the chosen item(s); fill in the primary documents (application for providing the consumer credit, receipt: "On informing the borrower on the norms of the Criminal Code of Ukraine") to formalize a consumer credit in any branch of PRAVEX-BANK.
• Have the above documents with you.
• After the Bank approves the issue of the consumer credit, sign a credit agreement and receive a notification letter confirming payment for the chosen item.
• Receive the item, presenting the notification letter in the partner store of the Bank. Credit conditions may be changed depending on the conditions of carrying out joint promotional events  with partner enterprises on Consumer credit programs.

•Formalization of credit via the Internet

To formalize a consumer credit via the Internet, you should:

• Fill in the receipt, "On informing the borrower on the norms of the Criminal Code of Ukraine".
• Fill in the application on the consumer credit in PJSCCB PRAVEX-BANK.
• Send your documents to the PRAVEX-BANK Consumer Credits Department by: fax (44) 201-17-80 with a note, "for the Consumer Credits Department"; by e-mail to bank@pravex.kiev.ua indicating in the Subject field, "for the Consumer Credits Department".

After you have sent the documents, the Bank's employees will contact you as soon as possible

On all issues, please call 24 hours: (44) 201-16-61 (in Kyiv), 0-800-500-4-50 (free in Ukraine from fixed-line phones).