Car financing from

As a rule, the decision is made very quickly. Our partners have made the process as prompt as possible: PrivatBank pre-approves the loan within a few minutes after the application is submitted – you find out the result almost instantly. In most cases OTP Bank issues the final decision and transfers the money within one day. Overall, buying a car on credit through Bex Auto usually takes 1-2 days, including choosing the car, submitting the application and signing the contract.

Yes, of course. Bex Auto helps you buy a used car on credit just as successfully as a new one. In particular, our partner OTP Bank specialises in financing used cars – with no restrictions on the make, year of manufacture or mileage. Moreover, no collateral or CASCO is required for such deals, which sets OTP's offer favourably apart from classic car loans. You can choose a car at a car market, a dealership or even from a private seller – the bank will give you the money to buy it. We also support the sale-purchase deal and the registration of the car in your name. And if you want to import a car from abroad, we will offer a special grace-period programme (the first months interest-free) – this lets you calmly wait for your car without overpaying.

Yes, it is possible. For example, OTP Bank is ready to finance a car purchase even for clients without official employment – an amount of up to UAH 300,000 can be approved without proof of income. The bank considers alternative sources of income and the borrower's credit history. In other cases, if you have an official salary card (especially with PrivatBank), you often do not need to confirm your income either – the bank already sees the incoming payments. In any case, Bex Auto will help you gather the optimal package of documents or manage with a minimum of them.

Yes, you can repay the car loan early at any time without any penalties. All of Bex Auto's partner banks – OTP, Privat and Oschad – charge no fees for early repayment. If you have the opportunity to pay off the remaining loan early (partially or in full), feel free to do so: interest will be charged only for the actual period of using the borrowed funds. No sanctions or hidden conditions – you save on interest by closing the debt earlier.

The terms vary depending on the bank and the programme. OTP Bank has no CASCO requirement at all – you save on insurance, and the bank does not require you to insure the collateral, since the loan is effectively unsecured. At PrivatBank, CASCO is standard for new cars, but with a down payment of 20-30% or more insurance is not a mandatory condition (although the bank itself advises insuring the car voluntarily). Oschadbank always requires full CASCO, as it finances new cars with collateral. Thus, whether mandatory CASCO applies depends on the chosen programme: if you want to avoid insurance costs, consider options with a high down payment or a loan from OTP Bank.