1. Getting financing from your smartphone – Smarti Credit Line
2. Transfer money from card to card *
3. Top-up mobile number *
* coming soon
► What is the maximum credit line limit?
Up to 150’000 UAH in several tranches.
► What is the term of the credit line?
The maximum period is twelve months including extensions (365 days).
The minimum period of the credit line is 6 months (180 days) however in accordance with the current legislation of Ukraine, clients always have the opportunity to close the credit line ahead of schedule.
At the same time, the client always also has the opportunity to extend the credit line any period without any restrictions but limited up to 12 months (365 days).
To apply for the extension, a client needs to pay only the accrued interest.
An extension can be applied for even in arrears.
Top up – increase of the credit line limit.
► Interest rate
The average annual rate is 183%.
The maximum annual rate can be up to 435%, taking into account late penalty fee.
An example of calculating the interest rate:
– upon receipt of the first tranche in the amount of 10 000 UAH for a period of 180 days and a monthly repayment in the amount of UAH 1 684,21, the total cost of the credit line will be UAH 10 105.26, (6 payments of UAH 1 684.21), including: interest on the principal – UAH 105.26 or 1.05% of the principal, АPR – 3.65%;
– upon receipt of the subsequent tranche in the amount of UAH 10 000 for a period of 180 days and monthly repayment in the amount of UAH 3 174.69, the total loan cost will be UAH 19 174.13 (6 payments of UAH 3 174.69), including: interest on the principal – UAH 9 174.13. or 91.74% of the loan amount, АPR – 273.75%.
► What are the limitations?
Minimum age of 18 years old as per local legislation of Ukraine.
Maximum period of the credit line is 12 months (365 days).
Smartiway cares about the security of its customers, so all data is protected according to the global PCI DSS security standard developed by VISA and MasterCard.
This is the safest way to get a credit without delay.
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