Pivdenny Bank is taking the documents offering unsecured loans (in cash or in the form of a credit limit on a payment card) for consumer purposes, as well as loans secured by real estate and other loans for consumers.

Advantages of loans from Pivdenny Bank:

  • Attractive bonuses

    A payment card as a gift.

  • Scope

    A wide range of credit programs.

Loans to sailors

Loan without collateral and without a down payment before setting out on your voyage

—from UAH 5,000 up to UAH 500,000;
— in cash or in cashless form, without extra costs;
— repayment of the principal starts from the 3rd month of use of the loan.

“Dreams” credit card

Let your dreams come true!

— up to 55 days of grace period for cashless card-based settlements for only 0.01 % per year;
— premium card with a built-in chip and contactless technology;
— revolving credit line;
— minimum package of documents required for the application.

Cash loan

Stress-free funds to meet personal needs

— from UAH 1,000 up to UAH 500,000;
— loan duration — from 12 up to 60 months;
— fixed interest rate;
— without collateral.

Mortgage loans

Mortgage loans for a term up to 20 years

— loan duration up to 20 years (minimum term - not set);
— opportunity to obtain a loan without a down payment;
— up to 80% of the market value of the mortgaged property;
— option to set an individual loan repayment schedule.

Consumer loan secured by real estate

Money to make your dreams come true

— get up to 50 % of the market value of the mortgaged property;
— for a term of up to 7 years (minimum term - not set);
— opportunity to obtain a loan without a down payment;
— option to set an individual repayment schedule.

Loans secured with a deposit

Up to 90 % of the banking deposit amount at an attractive interest rate

— cash for any purposes before maturity of the deposit;
— fixed interest rate;
— repayment of the principal at the end of the loan agreement;
— minimum package of documents.

Loan for refinancing purposes

Reduce your loan repayment costs

— reduction of loan servicing costs in other Ukrainian banks;
— loan amount — up to 50 % of the value of the mortgaged property, with a loan term of 7 years (minimum term - not set);
— opportunity to obtain a loan without a down payment.

How do I apply for a loan?

How do I repay my loan?

  • Visit a branch

    Select a branch and visit it at your convenience.

  • Pivdenny MyBank

    If you are a Pivdenny MyBank system user, complete the authorisation procedure and order services automatically.


Accredited insurance companies

Potential risks for the client in using consumer loans

Concluding and servicing a consumer loan agreement in accordance with a certain lending programme requires the borrower to pay for services of the bank and/or third parties. Read more in the Documents section

Risk of late fulfilment of obligations under the consumer loan agreement in case of poor understanding of the terms/documents before concluding the loan agreement and/or mortgage agreement (pledge, surety).

Risk of scams associated with unauthorised use of client identity documents/data.

If the Borrower violates the Loan Agreement, the Borrower shall pay a penalty (fine) in accordance with relevant lending program.

In cases provided for in the loan agreement and/or mortgage agreement (pledge, surety), the bank is entitled: to demand early repayment of loan payments and compensation for damages inflicted on the bank in breach of obligation, to recover mortgaged housing, property rights to it or other immovable/movable property according to Ukrainian legislation, and in case of insufficient funds received from the sale in the mortgage (pledge) of property, to repay the claim under the consumer loan agreement, the client's personal property may be levied to repay the loan, to apply to court in accordance with the procedure specified in the Ukrainian legislation.

The bank is entitled to transfer information on indebtedness to the credit bureau/Credit Register of the National Bank of Ukraine, including negative credit history, which may be taken into account by the bank when making a decision on granting a loan in the future.

Currency risks: Purchase and sale of currency to fulfil obligations under the loan agreement is carried out at the initiative of the bank only upon contractual debiting of funds from the client’s accounts. When buying and selling foreign currency, the Bank applies the current market exchange rate on the date of buying and selling foreign currency, and the bank fee for buying/selling foreign currency for UAH is charged in accordance with the Pivdenny Bank tariffs. Read more

The bank is not allowed to require customers to purchase any goods or services from the bank or its affiliates or partners as a mandatory condition for the provision of these services (except for the banking package).

The bank has no right to unilaterally make changes to agreements concluded with customers, unless otherwise provided by the agreement or the law.

You may refuse to receive promotional materials by calling the Customer Support Centre (free of charge in Ukraine) at 0 800 30 70 30.